| 02/17/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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My name is XXXX XXXX and I am submitting this complaint by myself without the help of any third party company. As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
You, ARstrat and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary.
For your violations, I am assessing a penalty/fine of {$310000.00} to be settled immediately upon receiving this communication, you have 10 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a {$2500.00} additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal.
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
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| 10/31/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I am in the process of buying a home. After reviewing my credit reports I noticed a medical collection from a company named ARstrat.
I called them on a couple of different occasions I believe in XXXX 2015 to inquire on the collection as I am sure I had medical insurance at the time they said I had received ER service. I asked for a statement of services as I was not sure if this was for a bill for my kids, wife or self. It took over 60 days to receive these documents. The medical records looked to be sent from the hospital to ARstrat then forwarded to me from the looks of the envelope. I have a feeling there may have been privacy violations in regards to my medical records. I still have the envelope, its labeling, etc.
The main reason for my complaint is the fact that I paid ARstrat in full XXXX/XXXX/2015 with the agreement that the collection reporting would be removed from my credit file. Again, I am in the process of securing the best financing possible to purchase my home and ARstrat is the only blemish on my credit report. It was worth it to me to pay the {$1300.00} and submit for reimbursement to my insurance company. When I made the payment by phone I was promised I would receive a receipt for my payment and a letter/copy of the notice being sent to all credit bureaus to delete the collection account from my reports. As of XXXX/XXXX/2015 these 2 promises have not been fulfilled. ARstrat records all phone conversations. I too have the phone call recorded when this agreement was made.
On XXXX/XXXX/2015 I submitted a dispute to both XXXX and XXXX to remove the collection account from my credit reports. I did n't have the best feeling this was going to get handled and thought it would be best to submit a dispute just in case ARstrat did n't hold up their end of the bargain. After all, ARstrat has been paid.
As of XXXX/XXXX/2015 the collection was removed from my XXXX report but NOT XXXX. I called Transunion to see why it was not removed and was told they did not receive a notice to delete it from my credit report. They did receive an update from ARstrat to reflect the collection account as a " current '' unpaid collection with an outstanding balance due of {$1300.00}. Updating the collection in this fashion dropped my XXXX score significantly.
I called ARstrat, spoke with a representative who told me notices were sent to the credit bureaus to remove the collection entry. She was unsure why the Transunion had not updated their records and assured me notice was sent on XXXX/XXXX/2015 to have it deleted. She asked I call back the following day to speak with the one who handles credit reporting. I called back, spoke with the credit lady who said the notice was sent and to give it 30 more days. I agreed.
On XXXX/XXXX/2015, I pulled my Transunion report and was surprised to see the medical collection with ARstrat is still on my report but is now updated to " Paid ''. It still has not been removed. I called ARstrat, spoke with another rep who said notices were sent to Transunion on XXXX/XXXX/2015 to have the collection deleted. She also said my payment receipt and letter of credit removal was sent on XXXX/XXXX/2015 and could take 60 more days. I heard the same thing last month and waiting 60 more days is NOT ACCEPTABLE.
I 've been very patient. But, Its clear to me ARstrat has NOT sent notices to Transunion to delete the collection as agreed. In addition, it should NOT take 60 days to receive my payment receipt and letter of credit removal. Again, I am buying a home. This collection is holding me up. Without my payment receipt I can not submit for insurance reimbursement. Getting a {$1000.00} reimbursement would come in handy for my home purchase as well.
This whole situation is costing me time, money, and causing EXTREME XXXX. I will not and can not continue to wait for this to be resolved.
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| 09/01/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This collection agent, ARstrat, refuses to help me substantiate a debt to a healthcare provider. ARstrat claims I owe {$1100.00} for some health care costs but the agent is much less forthcoming with a description in excess of that balance. The statement, which I will include in the attached pdf, indicates that I owe " XXXX XXXX XXXX '' for this debt. But when I go online, I see the URL redirects to XXXX, XXXX new owner. When I call them I hear either XXXX XXXX XXXX XXXX greeting if I call the healthcare lines but hear XXXX XXXX greetings when I speak with the business office.
When I spoke with XXXX accounts receivable technician from XXXX, she advised me, " XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX. If I do not have a debt for you then there is no debt. Just tell them ( collection agent ) to call me. '' Well for an agent who will not even tell me who I owe or research why nobody else knows of this debt, you can imagine her response to my request, " would you mind calling XXXX XXXX. " The agent, XXXX XXXX, said she can not tell me who exactly her client is. She refers only to the name on the statement. Unfortunately, that business no longer exists!
When I call each of the many healthcare providers that might be involved, all with similar names but each a separate legal entity, I am told that the creditor has no record of the debt or in the case of XXXX, I was told, " you already paid the debt. '' Which is true? I think too many people are trying to help solve this but it gets more complex as each gets involved. Ironically the XXXX person who could solve this has taken the opposite approach : do n't help anyone.
The last time I saw this attempt to collect I had already paid a similar debt to XXXX of the potential creditors for the XXXX time. The hospital immediately refunded the over payment saying I owed nothing yet this agent continues on her way, neither substantiating the debt nor advising me of whom I actually owe. She is happy to send incorrect billing statements, billing at her whim, for businesses that likely noThis has gone on long enough. I have endured her interrupting me, being rude, violating my Civil Rights to privacy in California by recording conversations after told I am a California resident & entitled to not be recorded.
When I ask for anything that requires her effort, such as researching the debt or stopping the illegal wire tap, I am punished by endless hold time, disconnected calls & being called name such as " deadbeat. '' I am tired of it. I pay 100 % of all my bills. Why ca n't this agent simply show what I owe for which services, when & to whom?
And it looks too suspicious when an agent says something like, " forget what the provider said, trust what we say ... '' I can not believe in such a Machiavellian plot that ARstrat is trying to get me to pay such a modest amount directly to them. I think this agent is permanently on " XXXX XXXX XXXX '' likely in response to all of the mean debtors out there. I have been pleasant, cooperative & helpful. Now I am done trying to do ARstrat 's job for them. It is time for them to act professionally & do something.
I see little hope of helping myself since the agent will not even lift one finger to collect this debt & calls me a deadbeat when I ask for help. Then the agent punishes me for asking for her to honor my Civil Right to not be recorded.
Can you please help? I want to pay this if I truly owe it but the XXXX hours of endless research & calling the possibly involved entities has exhausted me.
If I can not solve ARstrat 's confusion about finance then who can? I have earned a XXXX, XXXX & doctorate in XXXX. Who is better prepared to understand this issue? But ARstrat sees " deadbeat '' & not doctor in business then I stand no chance with them.
Thanks for the help
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| 06/12/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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In XXXX my mother ( XXXX XXXX ) received a bill from XXXX XXXX XXXX in the amount of {$3100.00} due XX/XX/XXXX showing her as the guarantor which is incorrect as they should have billed me as I am and was an adult at the time and should have been notified of the bill. My mom called and explained that she is not the guarantor and was told by the representatives that a request would be sent to the billing office to have this changed.
In XXXX she received another bill due XX/XX/XXXX for {$3100.00} still showing her as the guarantor. She called XXXX XXXX at XXXX on XX/XX/XXXX and spoke with XXXX who told her the request had been sent to the billing office and they had to wait for them to change it and it could take some time. She asked for the billing office phone number and was given XXXX XXXX XXXX. She called XX/XX/XXXX and I spoke to XXXX who would not discuss the bill with her and had no information to give and advised that she had to contact XXXX XXXX at XXXX. She decided to wait and give them time to correct the bill and send it to me as I am the patient and an adult.
By XX/XX/XXXX there was no updated bill received showing me as guarantor, so she called again and spoke to XXXX who sent another request to change to the billing office. In XXXX XXXX XXXX received another bill due XX/XX/XXXX for {$3100.00} still showing her as the guarantor.
In XXXX she received another bill due XXXX for {$3100.00} still showing her as the guarantor and advising her that this was her final notice before turning over to a collection agency. She called XXXX XXXX at XXXX and spoke to XXXX, she asked for supervisor and explained that she was very frustrated and upset, she was told no supervisor was available so she then asked her to review the notes on the account prior to explaining why she was calling because this was her fourth phone call on the matter which was still unresolved. She refused to read them and at one point laughed at XXXX. XXXX told her that she had perfect credit and had been continuously trying to correct this and that it was not funny. The phone call was unprofessional and unhelpful until at one point, XXXX changed her demeanor and told her that she was going to try to figure out how to correct the guarantor. She put her on hold and when she came back, she said that she had conferred with a coworker and they knew how to change the guarantor and she assured XXXX that it had been done.
Then, in XXXX XXXX XXXX received a bill from a collection agency- ARstrat XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX advising her that she owed {$3100.00}.
XX/XX/XXXX XXXX XXXX called XXXX XXXX at XXXX and spoke with XXXX. She asked her if at any time she had been told that they could not discuss the bill with her, XXXX told her no because she is shown as the guarantor which is incorrect. She advised XXXX to call the billing office at XXXX. XXXX told her of her past contacts and that nothing had been resolved. She apologized and advised XXXX to call the billing office. She told her they had more power to correct the bill and that it really depended on what agent she got on the phone as to the level of help she would get.
XX/XX/XXXX XXXX XXXX submitted a complaint with the FCPB.
The only change that occurred is that the debt was switched into my name with the collection agent ARSTRAT and I HAVE NEVER RECEIVED A BILL FOR THIS DEBT FROM XXXX XXXX XXXX XXXX.
XX/XX/XXXX both XXXX XXXX and I contacted a patient advocate XXXX at XXXX XXXX XXXX who listened to the issue and said someone would get back to us. As of today, we have not heard back.
XX/XX/XXXX XXXX XXXX received a call from XXXX at ARSTRAT regarding this debt and XXXX explained the situation to her.
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| 06/08/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In XXXX my mother ( XXXX XXXX ) received a bill from XXXX XXXX XXXX in the amount of {$3100.00} due XX/XX/XXXX showing her as the guarantor which is incorrect as they should have billed me as I am and was an adult at the time and should have been notified of the bill. My mom called and explained that she is not the guarantor and was told by the representatives that a request would be sent to the billing office to have this changed.
In XXXX she received another bill due XX/XX/XXXX for {$3100.00} still showing her as the guarantor. She called XXXX XXXX at XXXX on XX/XX/XXXX and spoke with XXXX who told her the request had been sent to the billing office and they had to wait for them to change it and it could take some time. She asked for the billing office phone number and was given XXXX XXXX XXXX. She called XX/XX/XXXX and I spoke to XXXX who would not discuss the bill with her and had no information to give and advised that she had to contact XXXX XXXX at XXXX. She decided to wait and give them time to correct the bill and send it to me as I am the patient and an adult.
By XX/XX/XXXX there was no updated bill received showing me as guarantor, so she called again and spoke to XXXX who sent another request to change to the billing office. In XXXX XXXX XXXX received another bill due XX/XX/XXXX for {$3100.00} still showing her as the guarantor.
In XXXX she received another bill due XXXX for {$3100.00} still showing her as the guarantor and advising her that this was her final notice before turning over to a collection agency. She called XXXX XXXX at XXXX and spoke to XXXX, she asked for supervisor and explained that she was very frustrated and upset, she was told no supervisor was available so she then asked her to review the notes on the account prior to explaining why she was calling because this was her fourth phone call on the matter which was still unresolved. She refused to read them and at one point laughed at XXXX. XXXX told her that she had perfect credit and had been continuously trying to correct this and that it was not funny. The phone call was unprofessional and unhelpful until at one point, XXXX changed her demeanor and told her that she was going to try to figure out how to correct the guarantor. She put her on hold and when she came back, she said that she had conferred with a coworker and they knew how to change the guarantor and she assured XXXX that it had been done.
Then, in XXXX XXXX XXXX received a bill from a collection agency- ARstrat XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX advising her that she owed {$3100.00}.
XX/XX/XXXX XXXX XXXX called XXXX XXXX at XXXX and spoke with XXXX. She asked her if at any time she had been told that they could not discuss the bill with her, XXXX told her no because she is shown as the guarantor which is incorrect. She advised XXXX to call the billing office at XXXX. XXXX told her of her past contacts and that nothing had been resolved. She apologized and advised XXXX to call the billing office. She told her they had more power to correct the bill and that it really depended on what agent she got on the phone as to the level of help she would get.
XX/XX/XXXX XXXX XXXX submitted a complaint with the FCPB.
The only change that occurred is that the debt was switched into my name with the collection agent ARSTRAT and I HAVE NEVER RECEIVED A BILL FOR THIS DEBT FROM XXXX XXXX XXXX XXXX.
XX/XX/XXXX both XXXX XXXX and I contacted a patient advocate XXXX at XXXX XXXX XXXX who listened to the issue and said someone would get back to us. As of today, we have not heard back.
XX/XX/XXXX XXXX XXXX received a call from XXXX at ARSTRAT regarding this debt.
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| 07/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XXXX 2019, I received a collection notice from Arstrat dated XXXX/XXXX/19. Because I believe this notice to be sent in error, I sent a certified letter to Arstrat on XXXX/XXXX/19 asking for validation of this account and requested that the company cease all communication with me regarding this account. Arstrat signed for my letter and the return receipt was received by me on XXXX/XXXX/19.
XXXX 2019, I received letter from Arstrat dated XXXX/XXXX/19 notifying me that the account was not longer placed with their office.
XXXX XXXX, 2019, received phone call from very rude Arstrat employee demanding payment for the above referenced account. I informed her that I received a letter from them stating they no longer had the account in their office. She told me the letter didnt come from them. I read the letter to her and she replied, Okay. They put the account back in our office on the third, yesterday. I proceeded to tell her that I did not owe what they said I owed and she demanded that I send her proof. I tried to explain to her that I had sent them a cease and desist letter in XXXX, but she talked over me, demanded the money again, and hung up on me before I could finish my sentence. I have a recording of this phone call.
On XXXX/XXXX/19, I received a letter in the mail from Arstrat ; the same letter I received in XXXX, with the same account number from the first letter, informing me of the account being closed. The only difference is the date for the most recent letter reads XXXX/XXXX/19, the same date of the phone call. Even the typos in the letter are the same.
Everything that occurred during this phone conversation was a direct violation of my rights as a consumer. I was subjected to abuse by the employee when she demanded payment for something that I do not owe, and that Arstrat has no legal right to attempt to collect. The abuse continued when she repeatedly talked over me, demanded I send proof of payment, lied about the account being placed back in their office on XXXX/XXXX/19, and then hung up on me. I also consider this contact from Arstrat to be harassment because they have absolutely no reason to speak with me at this point because I requested for them to cease all communication concerning this account. The abusive, harassing phone call and the continued communication are both violations of the FDCPA.
On XX/XX/XXXX, I mailed a certified letter of complaint to the legal department at Arstrat. They signed for my letter on XXXX/XXXX/19. In this letter, I described the phone call that I received and the reasons why I believe this to be in violation of the FDCPA. I also asked for the company to settle with me out of court by paying {$XX/XX/XXXX} in damages.
On XXXX/XXXX/19, I received a call from XXXX attorney. She informed me that the employee followed procedure, but that she would investigate further and call me back.
On XX/XX/XXXX19, I called the attorney for Arstrat because she still had not called to update me. She didnt answer and I left a message asking her to return my call.
On XXXX/XXXX/19, after not receiving a return call, I called again and spoke with the attorney. She mentioned she would email her team and call me to update. As of the date of this complaint, I have not heard from her.
I have attempted to resolve this outside of litigation but to date ; Arstrat and their attorney have been unresponsive and dismissive of my efforts to reach out in order to settle this matter.
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| 04/21/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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In XXXX I received a bill for my adult daughter, XXXX XXXX in the amount of {$3100.00} due XX/XX/XXXX showing me as the guarantor, which is incorrect as I am not the guarantor, the guarantor is XXXX XXXX, my daughter as she is an adult. I called and explained that I am not the guarantor and was told by the representatives that a request would be sent to the billing office to have this changed.
In XXXX I received another bill due XX/XX/XXXX for {$3100.00} still showing me as the guarantor. I called XXXX XXXX at XXXX on XX/XX/XXXX and spoke with XXXX who told me the request had been sent to the billing office and they had to wait for them to change it and it could take some time. I asked for the billing office phone number and was given XXXX XXXX XXXX. I called XX/XX/XXXX and I spoke to XXXX who would not discuss with me and had no information to give me and said that I had to contact XXXX XXXX at XXXX. I decided to wait and give them time to correct the bill.
By XX/XX/XXXX there was no updated bill received showing XXXX XXXX as guarantor, so I called again and spoke to XXXX who sent another request to change to the billing office.
In XXXX I received another bill due XX/XX/XXXX for {$3100.00} still showing me as the guarantor.
In XXXX I received another bill due XXXX for {$3100.00} still showing me as the guarantor and advising me that this was my final notice before turning over to a collection agency. I called XXXX XXXX at XXXX and spoke to XXXX, I asked for supervisor and explained that I was very frustrated and upset, she told me no supervisor was available and I then asked her to review the notes on my account prior to me explaining why I was calling because this was my fourth phone call on the matter which was still unresolved. She refused to read them and at one point laughed at me. I told her that I had perfect credit and I had been continuously trying to correct this and that it was not funny to me. The phone call was unprofessional and unhelpful until at one point, XXXX changed her demeanor and told me that she was going to try to figure out how to correct the guarantor. She put me on hold and when she came back, she said that she had conferred with a coworker and they knew how to change the guarantor and she assured me that it had been done.
In XXXX I received a bill from a collection agency- ARstrat XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX advising me that I owe {$3100.00}. XX/XX/XXXX I called XXXX XXXX at XXXX and spoke with XXXX. She asked me if at any time I had been told that they could not discuss the bill with me, I told her no because I am shown as the guarantor which is incorrect. She advised me to call the billing office at XXXX, I told her of my past contact and that nothing had been resolved. She apologized and advised me to call the billing office. She told me they had more power to correct the bill and that it really depended on what agent I got on the phone as to the level of help I would get.
At this point, considering all my attempts I have little faith that this will be resolved and that at some point the collection agency will report negatively to my credit file and try to obtain a judgement against me. I need assistance in getting some resolution and movement with XXXX XXXX.
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| 06/04/2018 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing this complaint due to this companies attempt to collect on a bill that they have been advised is disputed, and also the company trying to collect on other individuals that I have no ties or attachments to. I received a notice from this company previously and contacted them to advise the account they are alleging is in dispute and to document the matter as such and do not contact me again.
Recently I received another letter from these individuals with regards to the same account that I previously disputed. Upon calling the company again today to advise and have corrected I was transferred to a Rude and unprofessional individual by the name of XXXX who refused a last name or ID number when I advised I would be filing a formal complaint. Upon speaking to this individual with regards to the disputed account this representative then attempted to ask me about another person who he states somehow is attached to my name and begins to tell me that I have 11 accounts with their office.
I advised this rep that I do not know the individual he is speaking of asked how I would be getting advised and demanded payment on matters that have nothing to do with. This representative then began to act like a bully and talk over me telling me how does someone elses information get attached to me. I preceded to advise rep that maybe he should ask his company why they would be attempting to collect on someone elses accounts from an individual that is not that person. Instead of verifying the information or making a determination as to why someone elses collections would be under my name this rep chose to be blatantly disrespectful as well as demanding an answer as to why Their Company shows my name attached to someone else at which point I advised them they should be answering that question, not me.
Realizing this reps bully tactics I then requested his name again which he refused. I also requested to speak to a supervisor due to the way this individual was attempting to demand I answer questions as to how someone else was listed under my name which this rep also refused.
I am absolutely disgusted at the manner in which this company has not only completely ignored my dispute, but also the manner in which they are obviously not keeping correct records or attempting to collect on matters that have nothing to do with me. They need to be investigated and fined for not only abusive practices but also 3rd party disclosure violations with advising me of an XXXX XXXX 's accounts as well. That should not only fall under third party disclosure but should also fall under a HIPAA violation since they are insinuating collection on behalf of XXXX XXXX for this person.
This company needs to follow the correct procedure when it comes to disputing accounts per the FDCPA and they also need to be investigated for the improper records they keep.
I refuse to be bullied or disrespected by the clowns in this organization and would like for them to correct their records as well as follow the appropriate dispute protocol. This company is not to contact me by mail, phone, email, or any other means moving forward. I refuse to deal with ignorance and this company apparently is run with a lack of sense and professionalism.
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| 08/31/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX Called Arstrat ( Collection Department of XXXX XXXX XXXX and made {$300.00} debit card payment taken by XXXX. Confirmation # XXXX, cleared by financial institution XX/XX/XXXX.
XX/XX/XXXX Called to pay off remaining balance, spoke to XXXX at XXXX MST, stated unable to locate payment from XX/XX/XXXX. Stated she would have her supervision, XXXX XXXX, look into it and return my call. Provided payment confirmation number and my contact number. Advised to leave voicemail if no answer. Call never returned.
XX/XX/XXXX Called Arstrat and spoke to XXXX at XXXX MST, stated that after speaking to supervisor my payment was incorrectly applied to someone elses account and that my account would be credited within 72 hours. My account was not credited.
XX/XX/XXXX No statement received from Arstrat.
XX/XX/XXXX No statement received from Arstrat.
XX/XX/XXXX Called XXXX XXXX ( Arstrats sister company ) to see if they could help since Arstrat hasnt been able to rectify situation, spoke to XXXX at XXXX MST, transferred time Central Billing office ( another department of XXXX XXXX and Arstrat ), spoke to XXXX at XXXX MST, stated payment posting team would look into it once I faxed copy of bank statement reflecting payment to Arstrat. Referenced account number my XXXX and faxed to XXXX.
XX/XX/XXXX Called XXXX XXXX, spoke to XXXX at XXXX MST, stated located fax received and in system, stated payment not yet posted to my account, advised there was new system and that likely was the issue with my payment not reflecting, stated would return my call with update today after sending email to supervisor, XXXX , about my payment having been credited erroneously to another account. XXXX returned call that day but had no update.
XX/XX/XXXX Called XXXX to see if they could find resolution, spoke to XXXX at XXXX MST, advised account was on hold while payment was being researched by a supervisor.
XX/XX/XXXX Called XXXX, spoke to XXXX, stated account still on hold and {$300.00} payment not yet posted, stated XXXX XXXX ( another Arstrat entity ) took payment on XX/XX/XXXX, advised him Ive never heard of XXXX XXXX and that statements never have had that company name on them, XXXX provided number to XXXX XXXX.
XX/XX/XXXX Called XXXX XXXX, spoke to XXXX, stated payment not credited to account yet.
XX/XX/XXXX Called Arstrat, spoke to XXXX who stated payment for {$300.00} not posted to account but to call back 10 business days as other customer who was erroneously credited needed to be notified.
XX/XX/XXXX Called Arstrat and spoke to XXXX at XXXX MST, stated contacted supervisor about my account but XX/XX/XXXX payment for {$300.00} not yet credited to my account, stated update by tomorrow, advised I had filed a XXXX complaint and AG complaint in XXXX and XXXX and no response from Arstrat about my account not being credited the {$300.00} payment made. Advised her its nearly 5 months since this and still no resolution. This is unacceptable to not credit my account in 5 months.
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| 10/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/23 I was contacted at XXXX XXXX about an account listed with AR Strat at a dollar value of about {$420.00} for services from XXXX I had previously received a call from them on XX/XX/ at approximately XXXXXXXX XXXX, which I ignored, as I did not recognize the number. I XXXX searched the number and it was from AR Strat, a debt collection agency. I then reached out to XXXX XXXX to confirm that my account was active with them and in good standing. They confirmed that it was and said they would reach out to AR Strat to make sure that my account was canceled back to XXXX XXXX. I asked for mailed evidence that the error had been corrected, which I never received. However, I have received a paper statement from XXXX XXXX confirming that my account is active with them and the amount of {$50.00} per month was being paid. I have received no mail from AR Strat and have disputed the charge and requested evidence of their error and proof it has been corrected. I called AR Strat back at around XXXX on XX/XX/ to confirm that they had sent the account back to XXXX XXXX. They had no notes showing any contact with their client, XXXX XXXX. I reached out to XXXX XXXX, and they confirmed again that my account was with them and in good standing. I am currently waiting for a call from their XXXX XXXX employee as well as their CFO. In the meantime, I reached back out to AR Strat to gather more information and speak with their Compliance Officer about the error. They told me they do not have a Compliance Officer on staff, at which point I informed them I would be making a complaint to the CFPB as they have no employee tasked with compliance oversight currently. They said that they had duplicated my account during a system update and had two identical accounts in their system with my information attached. One that had been canceled back and one that was active in their system. This is completely unacceptable ; I am not able to afford to pay double on any bill and would not pay twice even if I could afford it. I would have been financially injured had I not known the debt was in error and charged it to a credit card or found a way to pay it using loans or by selling personal items. As it stands, I have still had to devote several hours of working time to trying to sort out a mess I have not caused. Were this to credit report I may find myself financially crippled for years to come.
I have been told that their operations manager was unavailable but was given the name XXXX XXXX at XXXX to leave a message for as well. I left a message for her at approximately XXXXXXXX XXXX on XX/XX/ informing her of the issues and my reaching out with a complaint to the CFPB.
Attached to this complaint please find photos of my most recent statement from XXXX XXXX.
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| 07/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had XXXX at XXXX Hospital in XXXX, CA on XX/XX/XXXX. They held the bill as long as they could in house. It went to collections after that & I was making all of my payments as agreed with XXXX XXXX XXXX for a very long time. Once in awhile I was late or forgot, and I would get a notice in the mail. I renegotiated a lower amount & made those payments until my divorce in XX/XX/XXXX. Then I made them as I could after I began working again. According to my records, by XX/XX/XXXX my Balance was down to {$320.00}. On XX/XX/XXXX I called to make a paymnt I would have normally made online, but due to their system issues or something, I was not abel to. I was told via phone by a rep named XXXX my balance was {$14.00}. I was shocked, I questioned, informed that was my balance & I paid it in full. {$14.00}. A few months go by, I am still questioning to myself that something was n't right, so I called at the beginning of XX/XX/XXXX, & left a voice mail. I received a letter dated XX/XX/XXXX from A/R Strat who now has taken over the account ( company took over XXXX XXXX XXXX ) He apologized for their error & now my balance was correct at {$310.00}. Since then I have made XXXX payments via their website, and none of which have been posted to my account. Not even after my complaint call on XX/XX/XXXX, to A/R Strat where I spoke to a rep, who then transferred me to a supervisor named XXXX XXXX She said my balance was still {$310.00}, & I had to send them proof of my payments to have them posted to my account. Needless to say I am XXXX XXXX. I paid {$56.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, & {$100.00} on XX/XX/XXXX leaving a balance due of {$81.00}. To this day they still are not posted to my account. I know this because I went online 2 days ago to make my final payment of the total balance due & low & behold ... the site still shows {$310.00} balance due. I sent XXXX an email with my complaint & it came back auto reply she is out of town & to talk to two other associates. I will be forwarding my emails to them as well. So from XX/XX/XXXX to now my payments are not posted at A/R Strat. Yet I called the hospital XXXX XXXX XXXX on XX/XX/XXXX & they had the same balance I did ... {$81.00}. .... Someone is not doing their job! This ca n't be the only account this is happening to! This has to be corrected & I want an apology and a XXXX balance due letter and I want any and all derogatory information about this account if it is on my credit file history to be corrected! Immediately! This is wrong! I never got any bills from A/R Strat ... only the one letter in XX/XX/XXXX. Nothing else. No phone calls, no email, no usps letters or bills NOTHING! Why??? What kind of monkeys do they have running this circus???
|
| 06/29/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Complaint for attempts to collect fees paid at time of rendering services by XXXX XXXX XXXX XXXX XXXX. ( several years of attempts! ) After being bombarded with collection agency notices for five separate {$30.00} fees from nearly a decade ago ( total {$150.00} - {$180.00} ), I contacted the company and told them these fees / debt was paid at the time of services being rendered. The attempts to collect increased as they did not even attempt to appear to verify my assertions that these were paid at time of rendering. The attempts by XXXX, a debt collection agency, increased and now phone calls were added. I dug through my old records and found the appropriate records of these payments. I next contacted the medical facility were the services were given and fees paid for by myself. This required over an hour of digging through records, organizing them and contacting the provider, XXXX XXXX XXXX XXXX XXXX ( now operating as XXXX XXXX ) spending nearly a quarter hour with them and their many, many phone transfers, delays and more as they tried to find someone who would address my situation. I was able to eventually speak to someone in accounts that had relevance to my collection harassment basis. I cleared up the matter and emailed/faxed copies of my payment receipts from the dates noted for " collection. '' They agreed these records show the payments their records failed to reflect. Their records were flawed, not my payments. Fortunately, I keep records or I would have no evidence of payment. Their collection attempts began again in a most harassing manner. I have had to put several hours into dealing with their incompetency in record keeping and the average person would have to pay them again and again for the same debt. They appear to use old debts that are difficult to validate payments and insists they have not been paid. Their repeated efforts, even after proven paid, indicates a nefarious behavior on the part of the collection agency, or worse, or a callous indifference to the public at the least. Their incompetency has cost my several thousand dollars in lost time, and untold costs for their repeated efforts based on incompetent records, all of which hyper inflates health care cost in this microcosm, multiplied nationally and were talking $ billions and hundreds of thousand son people losing time, personal or productive, It is their time, it is my time. When a company continues to harass a patient for fees long paid, something is terribly wrong with the administration all the way to the proles blindly making debt assertions, damaging the public and the individual, this time it is me.
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| 04/20/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I switched my son over from a XXXX to XXXX physician since he 's now an adult. I made the appointment and went with him to his new doctor and paid the {$10.00} copay in full XX/XX/2015 on date of service ( have receipt ). I got a bill from XXXX XXXX XXXX XXXX stating I owe {$10.00} still but that got clarified over the phone with billing and they told me not to worry about it - they see that I did pay on day of service.
ARStrat called and sent us a bill and my son was sent to collections over {$10.00}. ARStrat said they could n't speak to me despite telling them I paid for it and have proof and told them to call XXXX XXXX. They wanted my son to call them even though he did n't pay the copay. They just set up walls. They would not let me speak to their supervisor. Depending on which day you call and who you talk to on ARStrat 's phone some will say they do NOT have a supervisor nor legal department to talk to. Every time I call the doctor 's office and billing department - they say I 'm good. They even communicated with ARStrat multiple times but ARStrat denies any such communication. So I paid ARStrat to quit harassing us till we get this resolved. ARstrat says they can not talk to me unless they get permission from my son. He gave them permission and told him to call his mother to clarify this with her. ARStrat told my son they " will not call your mother because you do n't have an account with us '' - that 's because they were paid and do n't want to give my money back - nor do they want to resolve issues. I told them several times to call XXXX XXXX XXXX and they will tell ARStrat that there was a clerical error posted to my account instead of my son 's. But ARStrat wo n't listen. I had to call them back and keep pushing to speak to their supervisor who was just as rude and put up lots of walls also - not very helpful at all. No body at ARstrat would look up the confirmation # paid on their billing statement nor reference number. Not only am I trying to get my money back from ARStat - I want a formal APOLOGY for putting innocent people through XXXX. People who actually pay their copay like they should and still try to collect and harass and bully people that did no wrong in the first place. ARStrat need improve their communication methods, customer service and listen more to people. My name is XXXX. Personal info is my son 's name XXXX with last XXXX social to help you find the account listed under personal info section.
|
| 11/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
On XX/XX/2022, I received an XXXX for XXXX services through XXXX XXXX XXXX XXXX XXXX. They charged me {$200.00} for this service.
On XX/XX/2022, my insurance company, the XXXX XXXX XXXX XXXX, through XXXX, provided an explanation of benefits where my member rate for this service was reduced to {$130.00}. There were other services on this EOB.
On XX/XX/2022, I received an invoice for the services in the above EOB without the the {$130.00} listed. Total bill was {$250.00}.
On XX/XX/2022, I paid the {$250.00} in full via the XXXX XXXX XXXX XXXX
From XX/XX/2022 to present, I received only 2 statements, one for {$30.00} and one for {$45.00} ( which was for the original {$30.00} plus {$15.00} more for other services ). The total {$45.00} has been paid off.
Approximately XX/XX/2022, I received a debt collection letter from ARSTRAT, associated with XXXX XXXX stating that I owed {$130.00}.
On XX/XX/2022, I called XXXX XXXXXXXX XXXX finance department to get a better understanding of why my bill to ARSTRAT for debt collection. I checked the XXXX XXXX XXXX website which showed that I had a {$0.00} balance. I checked all the online invoices which did not list the {$130.00} owed in any invoice. Additionally, my personal setting shows that I should be receiving invoices via email. The individual stated that XXXX XXXX had sent me 3 paper invoices ( which they chose to pick email/online invoices and did not provide me ). The individual confirmed that I had a {$0.00} balance owed to XXXX XXXX and could not provide any information as to why I did not receive any email invoices. I did not receive any paper invoices from XXXX XXXX and believe it wrong that they sent my claim to debt collectors.
I requested to talk to a supervisor to have XXXX XXXX to put the {$130.00} back into the XXXX XXXX XXXX XXXX so that I could pay for it. I explained that it was improper for this to be sent to the debt collectors.
I request the CFPB contact XXXX XXXX to move the debt from ARSTRAT to the XXXX XXXX system. I request that CFPB find out why the {$130.00} was not included with all the other payments I made this year. I also request that CFPB find out why my online profile shows I am receiving email statements and allegedly XXXX XXXX decided to send this one payment invoice via regular mail, which makes no sense.
|
| 05/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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AroundXX/XX/ I received a bill from XXXX. The amount showed {$940.00} was owed to XXXX XXXX XXXX XXXX in XXXX MO. I worked out a settlement with them and paid XXXX on XX/XX/XXXX in the amount of {$750.00}. This was the amount we settled for. Around XXXX XXXX I then received a bill from ARstrat for {$940.00} from XXXX XXXX XXXX XXXX in XXXX MO. I called XXXX to confirm this debt was paid in full and taken care of, which they said it was. I called them at XXXX. I then called ARstrat to tell them they are double billing me and do not appreciate XXXX selling by debt to multiple debt collectors. ARstart told me tot fax them over proof the bill was paid. I wrote them a Letter on XX/XX/XXXX letting ARstrat know this debt was already paid, I attached my receipts, etc. I did this communication through fax at XXXX. Then today XX/XX/XXXX I receive a letter from ARstrat telling me {$180.00} is owed. That would mean my original balance of {$940.00} was NOT actually settled for {$750.00}. It is my knowledge that you can not tell a consumer that they can settle for a less amount and then come back with another collection agency to receive the written off amount. I then contact ARstrat today XX/XX/XXXX through the phone at XXXX. The man told me the notes on my account do say this was settled and he is having his supervisor look over this. I do not believe he will give this to the supervisor nor do I believe the supervisor would take the steps to look into this dispute and correct it. Considering the last person I talked to said all I needed to do was send them proof it was paid. It is impossible to get XXXX to contact ARstart to let them know I paid this for a settled amount and no further debt is owed. Its scary and upsetting to know my medical bills ( not cheap ) are getting sent out to multiple collection agencies. Its nearly impossible for you to get a pay off letter from these companies, and communication is horrible. Im now wondering how many times this has happened to me in the past. If you also look and notice the account number is the same on both collection bills. XXXX is on both XXXX and ARstrat. I have attached all documents in order. I would like to add I have tried contacting XXXX billing department for MONTHS, and have not once been able to get ahold of them since XX/XX/
|
| 08/06/2018 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I received a letter on XX/XX/XXXX attempting to collect on a debt from XXXX. That same day, I went to the company 's website, specifically their 'contact us ' form and used the email : XXXX to explain that the debt was not valid and to stop contacting me, etc. However, their email address was no good and the email bounced so I used the 'contact us ' form on the same page to re-send my statement. Today, XX/XX/XXXX, I have received a further letter from XXXX saying that they have not received a written request asking to validate the debt and as such, they may now presume the debt is owed and undisputed. This clearly is not the case as I have now sent a further email, which again bounced, and another email using their online form. I attach below the emails sent as well as the email failure notification. Sorry, we were unable to deliver your message to the following address.
: XXXX : XXXX [ XXXX ] : Recipient address rejected : Access denied [ XXXX ] -- - Below this line is a copy of the message.
This debt is not valid. See the message below from XX/XX/XXXX. I requested to cease communication with Arstrat and have received a letter today, XX/XX/XXXX, saying that I did not send a written request asking us to validate the debt. I already advised that the debt was invalid on XX/XX/XXXX.
-- -- - Forwarded Message -- -- - From : XXXX XXXX To : " XXXX '' Sent : Saturday, XX/XX/XXXX, XXXX XXXX EDTSubject : Debt Validity Dispute WID : XXXX I have received a letter in the mail today, XX/XX/XXXX insisting that I owe XXXX XXXX {$91.00} under account number XXXX with a service date of XX/XX/XXXX. I am disputing the validity of this debt totally. It is invalid as I provided my insurance information to XXXX XXXX at the time of service. I was required to have some XXXX work done by my doctor during my XXXX XXXX. I suggest XXXX XXXX request payment from XXXX XXXX XXXX, my insurance company. My ID with them is XXXX. Their phone number is XXXX. I have already provided XXXX with this information on two separate occasions with no communication following except for this letter now received from XXXX. I now request to cease communication with XXXX as is my right.
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
Since XX/XX/2020 I have received eleven delinquent payment notices from ARstrat for XXXX billed items. In every instance I provided proof that payment had been made. For ten of the notices, I never received any follow up from ARstrat. In one instance, I receive a form letter rejecting my proof. I called ARstrat. They confirmed my payment had been made to XXXX and apologized for sending the form letter.
A sample of my proof is attached. It was for ARstrats most recent notice. It contains a copy of the XXXX bill for the item cited as delinquent annotated with my payment date, check number, and amount paid. A second proof is from my bank statement attesting that the payment check had been cashed. When appropriate ( as here ), a third proof is the next month bill from XXXX showing that I had NO past due amounts.
Clearly the basis for ARstrats collection letter is false information from XXXX. XXXX accounting does not follow standard accounting practices. When my payment is received, it is simply applied to the oldest service dated outstanding item ( s ) in my account, not to its designated item ( s ). That old dated item may be a recently booked posting that has yet to be billed to me. Hence, paid services may appear unpaid or underpaid in my account and the old dated item never appears in any billing. Even more confusing, XXXX billing personnel often can not determine from what billing date ( if any! ) a payment originated. Although Arizona law prohibits such procedures for billing business entities and third parties, they are allowed for individuals.
My latest collection letter from ARstrat ( sample attached ) does not contain XXXX reference number for the supposedly unpaid item. Earlier letters did provide these numbers. This is important, since some bills do include multiple billing items on the same service date for the same dollar amount. Distinguishing which one is the subject of a collection requires this XXXX reference number.
|
| 03/27/2018 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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On XX/XX/XXXX I checked myself into XXXX XXXX XXXX XXXX Regional Medical Center in XXXX, AZ for emergency room care. They treated me, took down my insurance, and discharged me. About 90 days later I received a bill for {$550.00}, despite the fact they were in network with my XXXX medical insurance and I only owed them {$150.00} for a co-pay. I have had my insurance call them and their billing on 3 occasions, each time they said a supervisor would review the account, get it updated, and meanwhile my account would be put on hold to avoid collections. They refused to update it after each of these times even though my Explanation of Benefits/EOB shows they agreed to the {$150.00} co-pay charge. After that, I called them about 10 times ( with witnesses ) and was told recently on their recorded line that an Explanation of Benefits form I sent to them back in XX/XX/XXXX was received and successfully reviewed to update my bill, they also said I would receive a new statement ( for {$100.00} as I paid them {$50.00} in good faith ) and have approximately 15 days to pay. I received a bill on XX/XX/XXXX still for {$500.00} and had a due date of XX/XX/XXXX. Despite this, they sent me to collections on XX/XX/XXXX with a sister company of theirs ( XXXX - they sent me a formal notice ). Representatives for XXXX XXXX refuse to put a supervisor on the line, the supervisors do not call me back after I am promised they will, and just tonight I was hung up on completely by a representative who did not wish to help me. I contacted XXXX who gave me the same run around with sending in the same EOB form. I am very concerned and afraid these people are just going to report this incorrect amount and ruin my perfect credit. They are behaving like incompassionate, rude, thugs who just want to get an extra {$400.00} out of me for no reason or else they'll destroy my credit. The documents prove what I owe.
|
| 01/11/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXX I received an invoice from XXXX XXXX with the invoice amount broken down as following for a services claimed to have provided in XX/XX/XXXX : Account number : XXXX Patient payment : {$0.00} invoice balance : XXXX I called XXXX the next day and inquired why I received this invoice as I had full coverage of NY XXXX through XXXX with {$0.00} co-payment? Hospital rep informed me that this invoice is only for information whilst the payment will be settled with insurance company and I do n't need to worry. I kept the invoice but did n't note down the exact date and time of my phone call with XXXX.
on XX/XX/XXXX I received a letter dated XX/XX/XXXX from Debt collection company ( XXXX ) ( Account # XXXX ) notifying me of the debt claiming that I owe {$640.00}. I called the debt collector but was not offered any assistance. While I am trying to contact the XXXX, I am afraid that I need assistance of your bureau to make sure both XXXX and XXXX give this matter due consideration to sole the problem with insurance company and necessary information is provided to me for appropriate action.
For the medical assistance which XXXX has offered, every single step is taken as instructed by my XXXX who is also the focal point to advise regarding my coverage and to seek approval of insurance company for the expenses. All medical assistance which I have ever received from this medical facility, endorsed by my XXXX include urgent care-outpatient assistance, regular medical check and relevant normal process. None of the medical assistance were ever doubted or advised by my XXXX to be outside my insurance coverage. I believe that the XXXX processing associate may have been mistaken to omit my insurance which is after almost two years and last year 's assurance that this invoice will be settled with insurance, is made my problem with XXXX assistance offered from debt collector.
|
| 12/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Of the several bills in dispute, most were paid. I agreed verbally to XXXX XXXX to pay charges of XXXX and XXXX in installments, and did, in fact make payments of {$120.00} and {$170.00}, respectively, on the bill-pay site given to me by this representative. In doing so, I discovered an un-billed amount of {$440.00}, and I contacted her again, by e-mail, asking to have a bill sent, in order to ascertain the nature of this un-billed, and therefore unknown amount. She again agreed to send the bill, but it was not received. I called another time to ask about this amount, and was told I would be receiving a bill. I have yet to receive any bill in the amount of {$440.00}, but have since received a letter from a bill collector, claiming to collect on original amounts of {$920.00} and {$370.00}, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, even after I made the aforementioned payments to XXXX and XXXX on the bill-pay site indicated by XXXX XXXX XXXX asked AGAIN for the {$440.00} bill, and even made another {$100.00} payment on the original {$370.00} amount ( reducing it to {$200.00} ), in a show of good faith- which I so stated to this representative, who on this latest occasion began to talk over me in a fast manner, forcing me to allow her to finish before I could begin to explain that I had already begun making payments AS I HAD AGREED on our previous call. There was no reason to place any of these amounts in collection status because I had already agreed to pay them, they were in active payment status, and I had actually made payments on the amounts for which I had already received bills. The only amount I did not touch was the {$440.00}, but I had never said I would not pay it - only that I had yet to receive any bill in that amount, and would not pay it until I received such a bill- which was promised to me on two occasions, but which never happened.
|
| 05/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Arstrat is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. A collection letter from Arstrat dated XX/XX/XXXX was revecied at my home. on XX/XX/XXXX I sent a debt validation letter.
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
This is also a Notice exercising my rights to prevent the processing of my personal data by Arstrat. Please be advised that providing a memorandum or other statement from your agency, stating that Arstrat the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. On XX/XX/XXXX and XXXX a cease and desist was sent to Arstrat from communicating through any and all mediums. Arstrat has shown willful non compliance after receiving a cease and desist and still continuing to harass me with collection attempts.
|
| 10/17/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XXXX/XXXX/XXXX my wife visited what she believed to be an XXXX XXXX XXXXlinic operated by the hospital system that employs her for a routine strep throat check. We later received an invoice for {$79.00} for 10 % coinsurance. I thought this was very high and questioned the amount only to be told that the facility was an emergency room and not an XXXX XXXX center. I then filed a complaint with my state 's XXXX 's office because I felt the billing practice was unfair since the office building had a huge sign out front identifying it as XXXX XXXX. I went ahead and paid the invoice as well. On XXXX/XXXX/XXXX I received a response from the hospital system 's attorney through the XXXX 's office indicating that they decided to refund the {$79.00} coinsurance payment but they felt their billing practices were legal. Everything was good until XXXX XXXX when I received an invoice from XXXX XXXX of XXXX MI saying that I owed this debt. On the XXXX of XXXX I sent a certified letter to them disputing the debt and forwarding copies of the letter from the hospital system as well as a copy of the credit card transaction and the refund transaction proving that the debt was no only paid but also refunded. I assumed this would resolve the situation as the debt is clearly invalid. They continued sending me invoices so I hired an attorney through my employer 's legal access plan. The attorney said that he 'd send them another letter and handle the situation. In XXXX XXXX I received an invoice from a new debt collector, XXXX XXXX XXXX XXXX of XXXX NY for the same debt. So it 's clear to me that XXXX decided to sell the debt to a new collector rather than go back to the original creditor to correct the mistake.
|
| 09/06/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX I went to XXXX Medical Center for a XXXX. I stayed in the hospital overnight. A few weeks later the bills started rolling in and I agreed to pay the remaining {$1000.00} after insurance was collected. XXXX began billing me and each statement was different after agreeing to a monthly {$100.00} payment. I paid {$100.00} on XXXX/XXXX/XXXX and waited for the next month statement. On XXXX/XXXX/XXXX the statement was for {$2200.00} and I contacted both the hospital and my insurance. The insurance called XXXX and they agreed that there was an error and they would send correct statement. On XXXX/XXXX/XXXX I got another statement for {$2200.00}. I again called the hospital and insurance and the insurance contacted XXXX and again they said they erred and would send correct statement. On XXXX/XXXX/XXXX I got a letter from debt agency indicating I was sent to collections. I have a credit score of XXXX. I called XXXX again on XXXX/XXXX/XXXX and asked what was going on and they said it was my responsibility to pay and I explained how they were sending me wrong statement amounts and that I would have gladly paid the {$100.00} a month if they did their part and statement showed correct balance.
I hope you can help me with this, I have no issues paying the monthly or even full balance if I could get someone there to understand how they erred and I should not be taken to collections for something out of my control. I always get a different supervisor with different answers on how all of this was my fault even though I set up a payment plan and they failed to bill me.
|
| 08/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Good evening im reaching out to you in regards to two debt letters that were sent to me from ARSTRAT reference # XXXX and # XXXX both times were i was driven to the hospital without my consent. Ive had XXXX for a little over a year which are minor and I know what to do when I have them as i always have my medication on me. As a full time medical student I cant afford to go into the ER and both times I have written to them stating I can pay about XXXX out of my part time job I have right now. It was very very much appreciated that they were able to send me back letters stating I only owe XXXX for each one but I don't have that type of money. I haven't had a XXXX since XXXX of XXXX which was a major accident and I've been going to XXXX XXXX for it since and staying on top of everyway to get better. At that time i wasnt getting any income because of covid, One of those in XX/XX/XXXX I was taken in because I had had a XXXX in my bathroom and my neighbor freaked out because she heard me grunting in the bathroom and called 911 and they again took me even though I let them know I was ok and refused to go but I obviously didnt let her know what was going on as I felt it wasn't anyone 's business to know i had previously had a XXXX. In the ER they didnt do anything beside wait for my dad to pick me up. I rejected going in because I knew I was ok. Im unable to pay {$1000.00} for both hopsital bills. the highest I can do with my income is XXXX for both. I was hoping we can settle it with paying that for both. I look forward to hearing from you. Thank you.
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| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello!
XXXX XXXX has been trying to collect a debt from me fraudulently for almost 18 months now.
XXXX XXXX XXXX In 2020 I was issued a XXXX machine for medical treatment on an insurance payment plan that required compliance with the treatment in order for insurance to continue to pay. I agreed to this plan. I remained compliant for the ENTIRE payment period and treatment plan however they claim I have not remained compliant because their system has no records for my XXXX machine ( which I believe wirelessly uploads data cellularly ). As a result they have been trying to charge me {$210.00} since XX/XX/2020.
The specific amounts owed are : {$100.00} for non-compliance in XXXX of 2020 {$100.00} for non-compliance in XXXX of 2020 I have attached proof of my compliance AND my communications with the previous debt collector.
I have called XXXX a half dozen times about these invalid charges, and 2 different times faxed them proof of my treatment compliance from my local XXXX store. They continue to claim they've never received proof of compliance and thus continue to attempt to collect.
Eventually I was sent to collections and I sent them also proof of my compliance ( also attached ). This debt collector stopped contacted me and I assumed it was fixed. Today I received a new debt collection request from a new debt collector, so the issue isn't stopping. The new debt collector is ARStrat ( XXXX ).
I would like your help stopping their fraudulent claims please! I do not owe them any money and would appreciate your help proving this fact.
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| 06/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not received a written notice of clarification. So, I assumed that the debit was invalid. I was then contacted by a collection service ( XXXX XXXX XXXX XXXX ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act.
Now, I have been contracted by a second collection service ( XXXX, XXXX ). I sent them the information about the lack of clarification on the debt by XXXX. I then received a letter from them saying that they had determined that the dispute was not valid. They also send me another copy of the bill. The State of California currently has enhanced debt collection laws intended to provide protections beyond what is currently required by the Federal Fair Debt Collection Practices Act. Senate Bill No. 233 states, A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer has access to a copy of a contract or other document evidencing the debtors agreement to the debt. Neither XXXX or XXXX has provided with this verification, which I first asked for in XXXX, filed on XX/XX/2018.
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| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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We received a letter from Arstrat claiming we owed {$760.00}. It was claimed this was in relation to the doctors at XXXX XXXX XXXX. We had already resolved this so I had my husband contact this company. I gave them permission to discuss with my husband. The following is my husband 's notes on the call " I spoke with a person who identified them self as XXXX. I stated we did not recognize the debt, that we dispute the debt and that we wanted written verification. The very first thing XXXX told me was that we didn't need to dispute the debt and she didn't want to put it in dispute. I told her that we indeed wanted to put the debt in dispute.
I then addressed written verification. XXXX first said that as a collection agency then do not provide verification. I explained I was familiar with applicable law. Then she said they did not have any verification. I told her that without verification they could not pursue this debt. At this point she told me that she'd hang up on me if I kept asking for verification I found the entire conversation unprofessional and it began to seem rather shady. I told her again, this was now the 5th or 6th time, that we were requesting verification and that if ARSTAT can not provide it, they should not be trying to collect.
According to XXXX XXXX XXXX XXXX system we do NOT owe any money. They claim they don't even use this company. '' We want this removed from our credit report immediately!
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| 11/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My friend, is deceased now. During XXXX, he was in several hospitals. He was severely XXXX and ended up dying of a XXXX XXXX and XXXX XXXX.
During his illness, I was the emergency contact for the doctors and nurses and I monitored his health care as best as I could. Somehow... .some person put my name down as the Guarantor! Never in a million years would I agree to pay for someone's hospital or medical bills!! It's truly a mistake made by XXXX Billing department. XXXX and I were married from XXXX to XXXX. We remained friends ever since that time.
On Tuesday, XX/XX/XXXX, I was contacted by a debt collector who wanted payment for a date of service of XX/XX/XXXX for my ex-husband. They said my name was down as Guarantor and I explained to her that that is simply not true. She then told me to contact the hospital.
I then called the billing department and spoke to a woman who confirmed that I was listed as the guarantor but said there was nothing she could do about it and that I needed to send an email to XXXX. Five days later I received a standard form letter along with a paragraph that asks me to send them a divorce decree. I am not spending money to send away for a divorce decree. NONE OF THIS IS MY FAULT AND I AM NOT THE GUARANTOR.. This is someone's mistake. Some lazy person who didn't bother to research the account. They just plucked my name from the emergency contact list and began to harass me.
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| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Approximately XX/XX/XXXX I received a bill ( attached ) for {$78.00} for medical services performed on XX/XX/XXXX at XXXX XXXX XXXX. Note that, although it was nine months after the service, XX/XX/XXXX was the first time I received a bill for the services. My husband promptly paid the bill in full on XX/XX/XXXX and got a receipt for payment ( attached ). In early XX/XX/XXXX I began receiving phone calls from ARstrat, the collection agency for XXXX XXXX XXXX. They said I still owed {$31.00} on the bill. I said, " no, the bill was paid in full and I have a receipt ''. The agent, XXXX XXXX [ XXXX ] asked me to email a copy of the original statement and the payment receipt, which my husband did on XX/XX/XXXX. XXXX also suggested " well maybe the balance owed was from a different bill ''. She was guessing. I said " no, the date of service and the account number on the collection statement ( attached ) matches the original bill. You're trying to collect on a bill that was already paid ''. Further, I said " even if there is another unpaid bill then tell me what bill that is so I can prove that it was paid also ''. I have not received a response to that request. A few weeks later, I am still receiving phone calls and collection requests in the mail. They keep insisting that I owe the money. They have also threatened to report me to the credit bureaus for non-payment. I consider this bullying and harassment.
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| 11/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Got a letter saying I owed {$740.00} for a medical service I do not remember receiving. They can not tell me what it was for other than " office visit ''. Birth date on file did not match mine nor did the insurance. I never received any bill prior to being sent to ARStrat collection agency.
Called to resolve XX/XX/XXXX They refuse to do anything to sort out the errors in billing and sent us on a runaround where 5 different people could not help us identify what we were being billed for.
The agency can not provide a phone number to call to get information on alleged service received. The number they provided to me for XXXX XXXX was their California office who has no record of me. I have never received medical care in California nor was I there in in XXXX.
XXXX XXXX transferred me 5 times including to the XXXX XXXX XXXX near my address at the time in XXXX XXXX and nobody can provide details on the account both using my birthdate and the birthdate they had on file with the collection agency.
After a 6th phone call using the Creditor Account Number from the attached document XXXX XXXX confirmed that the person attached to this bill is not me and that ARstrat has made an error.
I also have XXXXXXXX XXXX with my family and text messages records with a car salesman that confirm I was working on XX/XX/XXXX and left work early to go car shopping for my daughters that I can provide if needed.
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| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, I received a bill from XXXX XXXX in the amount of {$35.00}. This was in error. I was owed a refund of {$35.00} from XXXX failure to correctly bill my insurance in XX/XX/XXXX. XXXX failed to include the correct authorization in their submission to my insurance carrier. XXXX confirmed their mistake in a recorded phone call with XXXX XXXX XXXX representative XXXX XXXX, XXXX Representative XXXX, and myself on XX/XX/XXXX and stated that they would resubmit the charge with the correct authorization number and refund the {$35.00} to me within 4 weeks. However, XXXX failed yet again to submit the charge to XXXX XXXX XXXX. I attempted to follow up with XXXX in a phone call in mid-XXXX and was repeatedly hung up on by XXXX customer service. I contacted my credit card company to dispute the {$35.00} charge that XXXX should have already refunded by that time, and on XX/XX/XXXX my credit card company resolved the dispute after giving XXXX the opportunity to challenge the chargeback.
On XX/XX/XXXX XXXX XXXX XXXX Quality Specialist XXXX XXXX acknowledged in an email to me, XXXX error and confirmed that I no longer owed anything to XXXX and that my account balance would be recalled from collections with no impact to my credit and no balance due.
On XX/XX/XXXX ARstrat , LLC sent me a collection notice for the erroneous {$35.00} charge that XXXX has previously recalled from collections.
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| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX to get tested for XXXX. The hospital had a tent outside their emergency entrance where patients can come in to get tested. After I filled out my information such as name, address, social security number, I was visited by a female doctor who tested me with a swab in my nose. She said within 2-3 days I will get the results by a call from the hospital.
After waiting for 4 days and not getting any calls, I went to the same location to ask about my results. The security guard said the only way I can get the results is by calling the hospital and he provided me with the phone number. I called at least 5 times and either the male receptionist would ask me to hold which I did for almost 15 minutes or I would get disconnected. So I never got my test result and I gave up.
Few weeks ago and today, XX/XX/21, I received a call from phone number XXXX XXXX XXXX which is a collection agency telling me that I owe the XXXX XXXX {$180.00} for the test. I told the lady that they didn't even provide me with the results. She said she will note the file. This happened on the first call. Today 's call was automated asking me to pay the {$180.00}.
Finally, even though I provided the hospital my correct home address, they had sent the bill to my previous address which is at my sister 's. She called me saying I had a bill from the hospital.
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| 02/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I presented myself on XX/XX/2019 to a small XXXX XXXX XXXX XXXX XXXX for a XXXX that went under my XXXX all the way to the XXXX ( I have a photo of before and a second photo of after I had to remove it myself if I am able to attach them later ) The Dr. looked at it and stated that he couldn't attempt to remove it and referred me to a XXXX XXXX. No care was given aside from taking the normal vital signs. Upon leaving, the secretary handed me a bill for {$1100.00}. In shock, I stated that I would discuss this with my insurance company. On XX/XX/2019 I received a statement showing a contractual write-off of {$470.00} and a balance of {$700.00}. I then contacted XXXX several times over the next few months asking for an explanation and an investigation of this ridiculous charge. In the end they stated that there was not anything they could do or would do to decrease or to wipe out the balance. I was forced to make a payment of {$50.00} on XX/XX/2019 as to prolong the issue. XXXX then turned it over to a collection agency of whom I called to explain the situation. Again, nothing was done. I made two more payments to them and now they have turned it over to another collection agency. The balance is currently {$450.00}. I would like to have XXXX looked into for their outrageous process of billing when not providing any care.
|
| 05/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/19 @ XXXX, XXXX called my phone number re : my acct. I have been making the required monthly payment. The rep advised they were offering a discounted price to be made in 2 payments. I thanked her but said I couldn't do that now. I wanted to keep my payments the same. The rep started naming my debts and a credit limit on my credit card. I repeated that I wanted to keep the same payment as that was all I could do. She insisted on increasing my payment amount. She began talking about my husband 's income and said, " Well that's an awful big chunk of money for you to not be able to pay more on this account. '' I then told her that was none of her business what my bills were and what all income we had. I stated that I'm paying on XXXX kids college loans and she said, well we all have college loans that have to be paid for books and things. She would not leave me alone about my payment. She said I didn't need to get angry but I told her she was harrasing me and she began talking in a patronizing voice. After many times of me telling her to leave my payment where it was and she kept going, I had to hang up on her and block the number. I know that the call was recorded and all of the information can be verified and it was stressful for my daughter who was in the car hearing it all.
|
| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I went to the emergency room on XX/XX/2018. My part of that bill was {$250.00}.
The collecting agency now is ARSTRAT - PHONE : XXXX # XXXX Since that time I have spent the majority of these months on XXXX XXXX XXXX. I receive XXXX XXXX. {$250.00} is a little amount - but to me it is a lot. My mom agreed to help me with the debt even though she is retired and on a fixed income herself. She has made TWO payments in regard to this matter. However, ARSTRAT continues to bill us the full {$250.00}. I have called three times, and they always say they have no record of ever speaking with me and no record of receiving any payments, and that I need to pay the {$250.00} immediately.
I spoke to the business office of the original billing department, which was XXXX XXXX. They DO have record of two payments, and assure me ARSTRAT has the same capability as they do to see these payments that have been made. So I called ARSTRAT back once again and asked to speak to a supervisor. They transfer me - but then the phone just hangs up and I get a dial tone.
ARSTRAT has told me repeatedly they can't see any payments I made to XXXX XXXX, although XXXX XXXX says this is not true, and that ARSTRAT can see any payments which have been made to this service on XX/XX/18.
|
| 12/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I was prescribed a XXXX machine by XXXX XXXX in late XXXX to address XXXX XXXX. After making dietary changes, my doctor and I determined the XXXX machine was no longer needed and could be returned. During the XXXX period I had the XXXX device, I received and paid several bills thru my bill-pay service. I returned the device to XXXX on or around XX/XX/XXXX. I received additional bills in XXXX and XXXX of XXXX, and promptly paid those. I have evidence of payment ( screenshots of the billpay history ). I received untimely additional bills from XXXX for the XXXX machine in XXXX and XXXX of XXXX, which I also paid. I also contacted XXXX to question why I was receiving these bills so late, and they explained this was due to billing issues, and they stated verbally that these were the last bills and we agreed on a final payment amount. Then, in XX/XX/XXXX I received an additional bill for {$76.00} from XXXX after the matter was settled. I refused to pay this, and XXXX sent the bill to a collections agency, which researched this and sent me a letter stating the matter was closed. Beginning in XX/XX/XXXX I began receiving payment demands from ARStrat, and I responded in writing that the matter was closed, but they continue to pursue collection.
|
| 07/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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ARStrat , LLC, mailed me a collection notice dated XX/XX/XXXX, for an outstanding {$20.00} medical debt.
On XX/XX/XXXX, I mailed to XXXX XXXX, customer support agent at ARStrat , LLC, via certified first-class mail, return receipt requested, a letter notifying them to cease all communication with me in connection with the account associated with the above matter, that if they failed to heed such notice, I would file a formal complaint against them with the Federal Trade Commission, the state attorney general 's office, and the XXXX XXXX XXXX, and that I would contact the original creditor directly to resolve the matter. The return receipt that I received indicated that this letter was delivered on XX/XX/XXXX, and signed for by RS XXXX, whose " printed name '' was XXXX.
On XX/XX/XXXX, I paid the outstanding {$20.00} balance directly to the original creditor.
Following receipt by ARStrat , LLC, of my letter described above and my payment of the outstanding balance to the original creditor, ARStrat , LLC, mailed me another collection notice dated XX/XX/XXXX, for the same outstanding balance.
ARStrat , LLC, then mailed me a further collection notice dated XX/XX/XXXX, for the same outstanding balance.
|
| 01/19/2018 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I had blood work drawn at a lab (XXXX XXXX) and they billed my insurance company (XXXX) $XXXX. The lab is in network and the insurance company has a discounted rate that brought that bill all the way down to $XXXX. The insurance company paid $XXXX and I was left with a $XXXX copay which I did not make.Today (XX/XX/XXXX) in the mail, I received a letter dated XX/XX/XXXX from XXXX, a collections agency, stating that I owed a balance of $XXXX. Which is 10 times the amount actually due. The representative for my account is listed as XXXX XXXX.I called XXXX and was told that I do, in fact, only owe $XXXX. When I asked why the letter I received, asked me to pay $XXXX, the representative told me that this was the original amount due and an insurance adjustment had since been made. I have the EOB from my insurance company and there was never an amount of $XXXX due, also, the insurance payment was processed 2 days after it was received, so there was no adjustment made after the fact.I believe that XXXX purposely misrepresented the amount due to fraudulently collect more than what was owed and also to collect a higher rate of interest and fees if I were to not make a prompt payment.
|
| 04/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX, I took my Daughter to XXXX Hospital XXXX XXXX. I did not receive a bill for her visit until XXXX. I called and disputed that the amount had not been properly reduced per my agreed insurance plan- XXXX XXXX I was told the amount was correct for XXXX, but XXXX told me it was incorrect and should be XXXX. Mercy told me to dispute with XXXX. i did and thankfully XXXX was able to help me and I later received a bill form XXXX in the amount of XXXX. I asked to set up a payment plan and was told i could do so, but never received the paperwork. In XXXX I received a debt collection notice from ARSTRAT. I contacted ARSTRAT and they refused to provided validation of the debt. All they woulod tell me was that it was XXXX XXXX. They claimed that the debt was valid because they sent it. They would not provide any information or a contact at XXXX to verify the debt. ARSTRAT also misrepresented the amount I owe. They told me on the phone that it was XXXX. This is not the amount XXXX was seeking. They told me that XXXX sent this amount to ARSTRAT and that is the amount I owe. They then proceeded to give me a fake XXXX Phone Number. I spoke with XXXX and XXXX, out of the XXXX ARSTRAT office.
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is the second complaint I am filing against the company. They were notified that they were to have provided the necessary documentation to the debt that I requested and failed to provide it within a reasonable amount of time. This debt was issued by a health care facility that lied when I disputed it with them saying they would not send it to debt collections until they also provided me with documentation. They too failed to provide the documentation. The documentation that they submitted in the last complaint still does not add up to the amount they are asking for. In the debt collection letter that was mailed to me it states I owe {$1500.00}, in the response from the company it states the charges on the itemized bill were for {$1200.00} plus an adjustment of - {$910.00} and at the bottom states the total is {$330.00} and the " Pay this amount '' box says " XXXX '' none of the documentation adds up to the totals of these charges nor does it show on there I had already previously paid at time of service. The " documentation '' provided seems to be fabricated and nothing adds up
|
| 09/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a collections notice on a debt that I was never billed for. My complaint is with the medical provider of the debt XXXX XXXX XXXX XXXX XXXX. They never billed me for services I received in XX/XX/2023. I have no record of a bill. I paid a copay of {$70.00} cash ( upon arrival I believe ) which should be the total amount owed. I thought this was resolved until I received notice that my unknown debt was referred to a collection agency. I found out from the collection agency that this provider tends to bill once and refer to a collection agency. I never received a bill. I also inquired about my payment and was told there was no record of patient payment and since I believe I paid cash I now have no record. I called the medical provider directly and asked for a call back 5-6 days ago and have not heard back. I am filing a complaint for the way they are doing business. When talking to collections I was told this is the way the provider does business. They send one bill and then send you to collections. This does not seem like a good way to do business.
|
| 11/21/2018 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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My name is XXXX XXXX dob XX/XX/XXXX.
I have a medical bill was already being paid through one collection agency called XXXX. At the same time a different company called XXXX was sending letters and calling about this same account. I kept telling them we were working with a collection agency already and they were already doing monthly automatic payments.
I told them to call their client, the original creditor, because as of XX/XX/XXXX the account was paid in full. They told me they don't need to call the original creditor. After numerous phone calls and letters, including my phone call on XX/XX/XXXX. XXXX sent me a letter saying has determined my dispute is not valid and I still owe the full amount of {$660.00}.
On XX/XX/XXXX I have had a phone call with the original creditor and they told me XXXX is not one of the collection agencies they even use.
Original creditor : XXXX XXXX account # XXXX service date XX/XX/XXXX XXXX alleged account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX
|
| 06/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Debt collection company Arstrat sent collection letter to me dated XX/XX/2022 saying that XXXX XXXX placed an account with them to collect a medical debt that was allegedly mine. I in turn sent Arstrat a letter on XX/XX/2022 certified stating that they needed to provided me written proof with a wet signature that this debt first belongs to me and second that I signed stating that I give XXXX XXXX permission to give my information to a third party, which I didn't. I received a letter back from Arstrat on XX/XX/2022 stating that their office was in receipt of my letter of dispute and said that they reached out to Texas XXXX who confirmed my information and has attached billing information with medical explanation and cost. This first did not comply with my request of a wet signature contract, second they violated my HIPAA rights based on 42 USC 1320d, where as I didn't give permission to XXXX XXXX to give any medical information to any third party. Please see attached all letters of violation of my HIPAA rights.
|
| 03/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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Received a call on my cell which showed up as potential spam call and your agent started asking me for personal information to confirm Identity. I questioned him to confirm this is not just a phishing call and agent go upset and started threating me that he was going to report me as not comping to pay cause I didn't give him my confidential information. I am aware there is a debt that has to be payed and I am more then happy to resolve this issue but your agent had the wrong attitude and I don do not appreciate him threating me to report me to his client and create bad and false reports on my Credit. I just received a letter making me aware of this debt and will be taking care of it but I will not be dealing with any of your rude and unprofessional agents. This debt could be been resolved today but since he just got upset when I questions him to make sure I was not getting scammed he just hung up on me and did not give me a chance to speak. Agents like that should be fired in my opinion.
|
| 09/17/2017 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.
|
| 07/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have received a debt collection letter from ARstrat regarding a debt owed to XXXX XXXX in the amount of {$560.00}. This debt arises from XXXX XXXX XXXX associated with my XXXX XXXX exam in XXXX. Under my previous insurance provider, XXXX, I was eligible for XXXXXXXX XXXX XXXX per year. Unfortunately, the billing department at XXXX XXXX 's XXXX network used an incorrect medical billing code, causing complications. Despite making numerous calls with both the insurance company representative and myself, we were unable to find a resolution. I attempted to address the issue, but my calls went unanswered. Additionally, when I contacted XXXX XXXX, they directed me to reach out to the billing department at the hospital. This matter is simply a clerical error in billing that could be easily rectified. I kindly request your office 's assistance in resolving this matter. Thank you in advance for your help.
|
| 05/10/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
|
|
ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Arstrat repeatedly calls me from XXXX within minutes apart. This happens multiple times a day. Missed call XXXX XXXX, Answered their call XXXX XXXX ( 2 incoming calls from them within 6 minutes ), Missed call XXXX XXXX, Missed call XXXX XXXX ( 2 incoming calls from them within 7 minutes apart ), Missed call XXXX XXXX, Answer their call XXXX XXXX ( 2 incoming calls from them within 4 minutes apart ), Missed XXXX XXXX, Missed XXXX XXXX, Missed call XXXX XXXX, Answer their call XXXX ( 2 incoming calls form them within 2 minutes apart ). When I have advised them this is a CFPB complaint, I was advised well I should just answer so they can talk to me. I work and can't continue being harassed as this is distracting to my work production and has caused compliance issues for me at work. Every time I answered the 2nd back to back call from them, no one says anything and shortly thereafter they hang up.
|
| 09/13/2018 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Called several times and sent several letters. I advised them it was a OWCP related injury and they need to contact them. They asked for OWCP information and I advised them to contact the business they got the debt information from. They hung up on me a few times when I refused to give my date of birth. I asked what they had and they would not tell me. I asked for the investigation in writing and how they assumed it was accurate and my dispute was not valid. They said they will not provide anything in writing. I asked for written proof that OWCP was contacted and said they would not pay the debt. They again told me they will not provide anything in writing. They advised me they will just turn it in to collections.I asked them to stop calling and harassing me and they continued to call. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
|
| 01/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years
|
| 04/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received letter dated XX/XX/XXXX stating payment was due on XX/XX/XXXX and a courtesy plan was set up. I was never advised I could verify or dispute debt. In addition, I have made a payment on XX/XX/XXXX and I asked the representative if there would be a follow-up letter sent out in regards to the payment and she stated it would. I never received the letter. I fortunately saved the previous letter and called to make a payment on XX/XX/XXXX and asked the representative about my previous conversation with the representative and he told me that they do not send out multiple letters unless there is a payment arrangement set up and I asked, How can I verify what is due and the payment amount. I advised that typically collection companies will send out some form of communication regarding the debt he advise that their company does not.
|
| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in receipt of a debt collection notice dated XX/XX/XXXX for the amount of {$340.00} being a XXXX XXXX bill from XXXX from ARstrat. This was previously sold to a different credit collection agency As mentioned to the previous debt collection agency, I do not have any knowledge of this amount. In XXXX my provider recommended lab services that I never authorized. When XXXX tried to call the provider, the provider had left the practice and there was no forwarding address. I did not give any authorization for these services and have informed XXXX XXXX many times. This amount is on my credit report fraudulently and should be removed.
I do not have any knowledge of these charges and I am not responsible for these charges. I have never owed XXXX XXXX for any services and would like your office to stop contacting me.
|
| 08/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX - Received letter from ARSTRAT attempting to collect {$2400.00}.
XX/XX/XXXX - I sent a dispute letter asking for verification of debt.
XX/XX/XXXX - Received letter from ARSTRAT stating that my dispute was not valid and that their information is accurate. They were attempting to collect {$2400.00} for dates of services XX/XX/XXXX and XX/XX/XXXX. They attached an itemized statement from XXXX Hospital for dates of service XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX - I sent a letter to ARSTRAT stating that they were attempting to collect a false amount of money from me for two different dates of services, many of which I had already paid for. I notified them that I would be filing a violation complaint with the FTC and Attorney General for attempting to collect a false/fraudulent amount of money.
|
| 12/13/2017 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is the second time I have had to make a formal complaint about this company on this site. ARSTRAT, a debt collector has on multiple occasions not applied my monthly payments to my balance. I have proof from credit card and bank statements that these payments were cleared through my accounts to ARSTRAT but ARSTRAT claims they can not see the payments on their end and that the balance they show is correct. I made a complaint with this website in XX/XX/XXXX and I was contacted by a supervisor from ARSTRAT and she straightened everything out and apologized for their mistake. She assured me it would not happen again but it has continued. I have made my agreed upon payments every month but my balance does not reflect my payments and no one at ARSTRAT will own up to their mistakes.
|
| 08/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I mailed the attached letter to ARstrat because XXXX improperly denied payment on a medical bill relating to my son 's birth on XX/XX/XXXX. XXXX failed to add my son to our account for over 4 months. The hospital ( XXXX XXXX XXXX in XXXX ) agreed to resend the bill to XXXX, but instead sent it to collections. I've disputed the debt with both the original and collections creditor, but wanted to make the CFPB aware to complain directly to XXXX since their delay caused the initial failure to pay the hospital timely, resulting in inappropriate and stressful collections to me, the end user. I have a XXXX XXXX XXXX and a XXXX XXXX career, and am writing this email at roughly XXXX XXXX at work. The military should better support its dependents.
|
| 03/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debt collector is XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. They are calling me every 3 days to collect a payment on an XXXX XXXX. The payment is for {$600.00} that was originally due to XXXX XXXX..
I have repeatedly told the caller ( s ) that I will pay them at the end of XX/XX/XXXX.
They are very aggressive on the phone, trying to push me to pay them immediately.
I have a XXXX XXXX, and these calls create a high level of stress, anxiety and XXXX XXXX XXXX. It takes me an hour to calm down.
They call on an auto dial that creates an auto dial for a local number so I do not realize that it is them, till it's too late.
I really do plan to pay them by XX/XX/XXXX. Please get them to stop harrassing me.
Thank you, XXXX XXXX
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Good Afternoon, I have received a collection notice from a company called ARSTART. I have made multiple reasonable attempt to make payment to these people however they do not provide any dates of service, any means of reasonable secure payment and also they do not provide any means of payment receipt. I have asked repeatedly for an email address so I can communicate with them in writing and they stated they do not provide any email addresses. This seems like a extortion for money. Upon further research there have been many lawsuits and investigations on this company with regard to medical fraud and also to extortion tactics on the elderly.
Please let me know what other information you may need for me. Thank you for your time
|
| 07/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I just want a formal apology from ARstrat for their innappropriate harrassment for 4 months. Once I paid them to get them off my back and told them I was going to file a complaint - I finally got my money back from them for money I never owed. They have been very rude and harrassing innocent people putting me through 4 months of " XXXX '' - I feel I should be compensated for their wrongful doing, no follow-through. No one should have to go through this torture for a {$10.00} copay that was paid on day of actual visit - despite the medical billing office saying they have spoken to ARstrat to clear this up - ARstrat denies all such communication with billing/doctor 's office. Still waiting for formal apology from ARstrat!
|
| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with XXXX.
I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX XXXX within the 30 day period of notification.
XXXX did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid.
I was sent an additional letter from ARstrat dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to ARstrat, but the debt should have already been considered void.
|
| 09/24/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called arstrat phone # XXXX because I got a bill from them in my name as the responsible party for another person. I have no children. They advised I had to pay it because was my insurance I advised party involved is not a minor and is an adult the amount owed would be collected from responsible parties being the persons name, not I. The stated that I would have to pay because they have me listed as so. I explained again I am not responsible for that other parties debt. They advised that I go and get the monies from them to pay the bill. This is not my job and I am not going to do that I do not want this company sending me any more letters or calling my phone. I am not the responsible party!!!!!
|
| 10/26/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have called this company numerous times. They tell me they will confirm with XXXX XXXX that the bill does not belong to me. I have given them my birth date and mailing address that does not match the person they are trying to collect from. I finally called XXXX XXXX and was told this particular collection agency like others will send these letters to anyone with the same name hoping someone will pay it. XXXX assured me they would have my name and address taken off as my birth date and other information it was not even close to the person they are trying to collect from.
XXXX XXXX- XXXX the Debt does not belong to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. Please stop sending me letters.
|
| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a debt collection letter by ARstrat for the amount of {$43.00} to collect from XXXX XXXX. I have never received any billing statement from XXXX and suddenly I got a letter to collect an amount that I dont even know about.
I have called XXXX to asked about the amount owe and the lady didnt explain anything and said I will remove your account information from the debt collection. I asked about confirmation number to indicate that it has been removed but she only provide her name and the location she works. I've been dealing with XXXX XXXX billing department for the last two years on billing amount that I dont owe as it should have been paid by my healthcare.
|
| 08/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX continues to try and collect a debt that is not owed by me. The debt in question was resolved through a personal injury lawsuit in XXXX. At the time of settlement, XXXX XXXX provided a Release of Lien in this matter which I have attached hereto. On two separate occasions, they have referred this matter to a third party debt collection agency. First, to XXXX XXXX and most recently to ARstrat LLC. Both myself and my attorney have tried to resolve this matter.
Attached is a detailed description provided by my attorney to XXXX XXXX as to why this debt is not owed, as well as the documentation of the release of lien provided by XXXX XXXX.
|
| 01/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm XXXX XXXX, please help with the following concern.
I have received a letter from ARSTRAT, it says that it is a debt collector for debt to XXXX XXXX of XX/XX/2021 : it is wrong and does not belong to me. The XXXX XXXX company has never sent me notification by email or mail. However, upon receiving this letter, as an immediate response, I have reviewed my health plan account along with the XXXX XXXX account and everything is in order even the 2021 bills for that certain date.
Information inside letter From XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Reference XXXX Letter XXXX Creditor acciunt number XXXX As of XX/XX/2021 Total amount of the debt : {$21.00}
|
| 10/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Received two letters from ARstrat Collection agency, XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Each letter states that I owe {$100.00} for charges from the XXXX XXXX XXXX. I called ARstrat and was informed that the XXXX XXXX had turned over two accounts for {$100.00} each for collection for date of service XX/XX/XXXX ; as a result I owe ARstrat {$210.00}. I informed them that I did no owe this amount, and verified with the XXXX XXXX that I have a XXXX balance. ARstrat informed me that I need to call XXXX and my insurance company to get details about the amount owed. Neither XXXX nor my insurance company show any balance owed to the XXXX XXXX.
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This is NOT a duplicate complaint. Original bill was sent to wrong guarantor, after months of trying to correct with XXXX XXXX XXXX, they turned it over to ARSTRAT collections. Complaint XXXX was field with CFPB to correct this error.
The only change that occurred with complaint XXXX is that the debt was switched into my name with the collection agent ARSTRAT.
I HAVE NEVER RECEIVED A BILL FOR THIS DEBT FROM XXXX XXXX XXXX XXXX. XX/XX/2020 both XXXX XXXX and I contacted a patient advocate XXXX at XXXX XXXX XXXX who listened to the issue and said someone would get back to us. As of today, we have not heard back..
|
| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
after repeated calls from this agency I tried to contact the collector -- I gave them my full name, billing address and their reference number -- I was attempting to settle this debt and they will not speak to me unless giving them my date of birth and social security number -- no way am I required to give this info and they refuse to move forward without it - thus causing unjust continued negative harm to my credit file i dont need there mouthy reps telling me its your bad credit i track all calls and have received 4-8 calls a day from this agency from multiple numbers that do not identify there the agency
|
| 07/03/2018 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
A company called XXXX continues to claim I am not paying per the agreement. I pay the bill on their website on XXXX-XXXX-2018 for {$100.00} which is more than the agreement. The bill is due on the XXXX-XXXX-2018 they are claiming it did not post until the XXXX. Then send threatening letters that I am not keeping to the agreement. That my response is unsatisfactory. And that the balance will be due in ten days.
Customer service just keeps repeating claims that it did not post until the XXXX and that it is my fault. Even though on their own website it shows that it was accepted on the XXXX.
|
| 10/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
It appears I owed {$33.00} to XXXX XXXX, a durable medical equipment company. XXXX did not send me ANY billing statements but sent the {$33.00} to collections. I attempted to order replacement items for my health and was told I could not due to the balance. I paid it immediately- as I always do - but still have not been able to order my medical equipment. I later received a letter from ARstrat, a debt collection agency.
The law requires a patient receive numerous billing notices before sending an account to bad debt collections. XXXX XXXX violated these laws and other statutes.
|
| 08/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid the debt ( {$70.00} ) in XX/XX/2022. I continue to get notices every week from ARSTRAT stating that I owe them {$38.00}. I have called the original debtor and they say that it has been payed. I have called ARSTRAT and they say the account has been settled and the account is closed. I ask why I continue to get the notices if it is payed, every time they say it is because I payed just before the notice went out. I say each time that I payed back in XXXX, why do I continue to get the notices. I want it to stop and I want them to stop calling.
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Cease and Desist have been sent to ARstrat. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. ARstrat is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages
|
| 04/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving ongoing bills from XXXX XXXX Hospital since the beginning of 2019 and most recently I received a notification of collection from ARStrat company.
I visited this hospital in XXXX of 2019. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me.
|
| 11/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A company by the name of Arstrat has been calling my in-laws inquiring about me and asking for my address and phone number. The number they called from is XXXX. After researching the name of the company, I discovered that it is a collection company that collects debt for XXXX XXXX.
I did have a bill of {$5.00} from XXXX and it was paid in XX/XX/2019, which I have proof of as " patient paid '' in XXXX 's portal. However, my in-laws are now getting calls and they aren't even listed as contacts for any bill payments.
|
| 06/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company send me letters ( most recently on XX/XX/2023 ) claiming that I owe {$110.00} to their client XXXX XXXX. However, they refuse to provide any proof that I owe the money or to support their claim with any facts. I informed them that I have not used services of their client and do now owe them anything. Yet they continue to demand payment. The representatives in their phone center are rude and refuse to stop collection or to provide any facts.
|
| 06/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have written to ARStrat on several occasions, as well as Creditor XXXX XXXX XXXX Account XXXX. ( 1 ) giving proof this is not my debt. ( 2 ) as per divorce decree, daughter 's medical is responsibility of EX husband. ( 3 ) I eventually paid the debt since the company refused all attempts and proof otherwise. Attached is my returned check. Enclosed is my payment. Attached is Court ordered and approved ex husband was to pay medical for daughter.
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Dear CFPB, I just got off the phone with AR Strat collection agency. They are demanding money from me saying that it is from old XXXX bills which my XXXX paid. THEY REFUSE TO SEND PROOF OF BILLS, just their bills saying that I owe them.
Attached is a copy of the billing statement I received. I am very angry and frustrated that this type of corruption and thievery is allowed to happen. This is not a valid debt.
Thank you, XXXX XXXX XXXX
|
| 12/06/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am being billed {$800.00} by XXXX XXXX for a diagnostic XXXX that my doctor did not order. My doctor ordered a routine XXXX, but they performed a diagnostic XXXX and are billing me for this amount. My doctor has already re-submitted the script to XXXX several times, but XXXX has not submitted the proper claim to my insurance company, which they should because a routine XXXX is covered at 100 %. Therefore this balance is not owed by me.
|
| 02/28/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received bills for my coinsurance with XXXX, but I am in the XXXX XXXX XXXX ( XXXX ) Program and can not be charged for coinsurance and copayments. I called where the other bills were coming from, and they took care of my bills and charged XXXX for them ( since XXXX pays my coinsurance. ) she said she would take care of the one that went to the collection agency, but I still am receiving bills from them for it.
|
| 03/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX acct : XXXX Ref : # XXXX XXXX is attempting to collect on a debt. I have made communication with a XXXX XXXX requesting validation of this debt, their Authorization and HIPAA release. They are unable to provide HIPAA sign release of medical information. Requested information XX/XX//2019 The copy of a bill on XX/XX/XXXX is all I have received,
|
| 02/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is no reason to why I would have an account being owed money to a collector. Especially with an obscene amount that I wouldnt even know about. Tried contacting the company in the past about what is owed and they cant even find where the money would be getting pulled from. I paid the hospital directly and now because of some lost communication artstrat now wants the same money I paid hospital.
|
| 04/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill from XXXX XXXX in the amount of {$60.00} that was promptly paid with a credit card on XX/XX/XXXX.
After that I started receiving similar bills from the same company for the same amount on a monthly basis. When I called them, they said that I had no outstanding balance.
On XX/XX/2019, I received the letter from a debt collector asking for the same amount.
|
| 02/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I have been contacted for a debt that was a workers comp situation and the hospital took all my insurance information.
I submitted all insurance information upfront. They knew before hand this was a workers comp situation and had requested my insurance before my appointments. I am not sure why I am getting contacted now. This should have been taken care months ago.
|
| 11/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account number mentioned on the bill : XXXX AND XXXX ARStart has sent a statement that I owe debt {$44.00} for XXXX XXXX as on XX/XX/2022.
This is a debt that i do not owe, nor I have used " XXXX XXXX '', nor even the date stated XX/XX/2022.
ARStart is attempting to collect charge that is not mine.
ARStart must immediately remove such erroneous bill from my name.
|
| 11/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account number mentioned on the bill : XXXX AND XXXX ARStart has sent a statement that I owe debt {$44.00} for XXXX XXXX as on XX/XX/2022.
This is a debt that i do not owe, nor I have used " XXXX XXXX '', nor even the date stated XX/XX/2022.
ARStart is attempting to collect charge that is not mine.
ARStart must immediately remove such erroneous bill from my name.
|
| 03/06/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Arstrat Debtor information and payment online options not available.
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the XXXX. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
|
| 09/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance.
XXXX XXXX XXXX XXXX XXXX California
|
| 03/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The hospital placed my account to XXXX and ARSTRAT. The account was paid in full to the hospital on XXXX/XXXX/2016 with electronic receipt, but I continued to receive mails from ARSTRAT. They also offer no electronic communication channel for communication. I was n't able to get through their return call number.
|
| 07/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was never seen in a room. I had XXXX in XXXX places, and they sent me to the medical clinic across the street. I only registered there then was told to go across street to clinic. Dr. did terrible job, .I might of had a XXXX but not XXXX in one day. My husband was with me he should be responsible if anyone.
|
| 03/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Requested verification of debt on XX/XX/XXXX received letter dated XX/XX/XXXX that the company has determined your dispute is not valid & that the information is correct however attached paperwork does not verify or substantiate any debt ie is only a print out with my name but does not prove debt is mine
|
| 02/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
The collection agency Arstrat contacted my work without my permission to try to pressure me to make a payment. As stated before, I did not give the agency permission to attempt to reach me at my place of work. I believe this is in direct violation of my rights under applicable consumer protection laws.
|
| 04/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt totaling {$1600.00} was paid on XX/XX/2020 to the collections company Arstrat ( Phone Number : XXXX ) on behalf of XXXX XXXX XXXX. Amount was paid and deleted off of credit history and now ( XX/XX/2020 ) the debt has been placed back on my credit after already being paid and deleted.
|
| 07/30/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please.
|
| 02/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My carrier of the XXXX XXXX XXXX delayed to pay my medical fee to XXXX XXXX. My carrier paid medical fee on XX/XX/2022. The debt collector issued the letter on XX/XX/2022. It looks like the letter from debt collector, ARStart went wrong. Please see the attached file of the EOB.
|
| 05/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2019 ARstrat trying to collect the debt not mine. With a initial dispute, explained the debt is not mine and ARstrat responded that the information is accurate. Debt is belong to a minor of friend who visited my town. Debtor is not related to me or family member.
|
| 10/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This is a workers compensation case when I got hurt on the job. I have hired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to represent me on my workers compensation case.. This is a bill from the emergency room on XX/XX/2022. I am waiting for a hearing date
|
| 10/06/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I contacted this company to pay over the phone but the representative would not allow me to do so. I then received a notification in the mail that I 30 days to pay a bill from a debt collection that I have been trying to pay for over 2 months.
|
| 08/20/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received written communication from XXXX XXXX regarding alleged medical debt. Information provided does not substantiate or verify debt on my behalf. Asked company to " cease & desist '' debt not owed. Repeated attempts by collection agency ignored.
|
| 04/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The XXXX was supposed to submit the bill to XXXX and they sent it to my secondary ins. co.instead!!!! I'm on full XXXX and " NEVER " paid a hospital bill EVER!!!! I I assume they fixed their incompitance since I never heard from them again!!!!
|
| 10/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I explained that this I have addressed this matter with the doctors billing that I have reached out to them no response and that I would not be speaking with them on this matter again they have continued to call and hang up
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Reference number XXXX Creditor account number XXXX My XXXX XXXX XXXX didnt get this and was not able to process this payment at the moment, I tried to notify, if tried again my XXXX XXXX XXXX Member ID number is XXXX
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
received a letter dates XXXX/XXXX/XXXX an attempted to collect a debt send a request for validation of debt XXXX/XXXX/XXXX request ignored and received a second threatening letter for the same debt XXXX/XXXX/XXXX
|
| 03/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received collections letter from XXXX regarding medical debt i owed, asked company to produce verification of debt, debt verification not produced, continued to receive harassing letters, phone calls etc.
|
| 09/01/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.
|
| 10/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
What is this? Attached? Have no idea what this is from.
I tried to pay the {$20.00} to to get it out of the way, but no one keeps answering. Ive been trying for months.
|
| 09/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is unknown to me, I have never heard of either of these companies or owe a debt like this. I requested validation and nothing has been received. Please help assist
|
| 11/04/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
i visited hospital on XXXX/XXXX/2015 and at the time had a XXXX XXXX of California. now one year later i have receive a bill from colection name ARstrat for XXXX
|
| 12/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
See attached document ... has all details ..., the customer service of this hospital is terrible... they are not helpful, nor do they own their mistakes...
|
| 10/01/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I pay this account every month on the XXXX, I have receipts through my checking account, They put it on my credit report anyway.
|
| 03/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I think this is debt from my bankruptcy that was already disputed. Im not sure what this is currently involving
|
| 08/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received a bill by XXXX XXXX and XXXX is trying to collect money I was never aware I owed
|
| 03/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
MY PRIVACY RIGHTS HAVE BEEN VIOLATED THIS COMPANY IS IN VIOLATION OF HIPPA
|
| 07/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Disputed a debt.no information or no copy of actual debt..harassment
|
| 05/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have never received any service from XXXX XXXX XXXX.
|
| 10/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would like an itemized bill explaining what I owe
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
this medical debt was paid by insurance
|
| 06/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Scam debt collector
|
| 02/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 12/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 11/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Phone |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American, Servicemember |
|
|
| 06/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 05/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 08/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 07/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
|
| 07/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/22/2019 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/02/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/28/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/08/2018 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Phone |
|
|
|
| 07/30/2018 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/19/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/14/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/30/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/12/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/22/2018 |
No |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 02/01/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/31/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/03/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/14/2017 |
No |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Older American, Servicemember |
|
|
| 02/27/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 10/05/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 06/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/28/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/07/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/31/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/02/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 01/01/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/12/2014 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/11/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 10/18/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/07/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/18/2014 |
No |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 08/20/2014 |
No |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 08/13/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 04/01/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|