ComplaintsforARS Account Resolution Services

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Initial Complaint
04/12/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize BBB to give copies or any information on the form to anyone deemed advisable.
Business response
04/13/2022
We have closed the accounts in question, and have requested deletion from the credit bureaus. Please allow *********** ***** days to update their records.
Initial Complaint
04/12/2022
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT ***** YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE (OR JUST SAY "CERTIFICATE") EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Business response
04/27/2022
We have reviewed our records in this matter, and find the following. Our client, ******* Emergency Physicians/Kang and Associates, is a provider of emergency room physician services at Advent Health in ***********, **. The following accounts have been placed with our office. Reference number ******** date of service 7/25/19 balance $191.91, reference number ******** date of service 6/26/17 balance $1,498.00, reference number ******** date of service 12/21/17 balance $501.00, reference number ******** date of service 3/9/18 balance $1,092.00. We have verified that the information being reported is accurate, and have reported the accounts as in dispute with the credit bureaus. We have requested that validation of the debts be mailed to the consumer. There is no requirement that a third party debt collector obtain authorization from a consumer to credit report unpaid collection accounts.
Initial Complaint
04/12/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The following account #******** was opened around the date of 08/20/2020 without my knowledge and added onto my credit report for the total amount of $159.00 dollars. This is considered a fraud and is also a violation of my rights as a consumer. In addition to that, this company never validated the account with supporting evidence as required under 15 usc ****g I want this account to be taken off as soon as possible from all the credit reporting agencies including Experian, Equifax and Transunion. I also demand $1,000 per occurrence for this violation.
Business response
04/13/2022
We have reviewed our records in this matter, and find the following. Prior to receipt of this complaint, we have received no correspondence, or notice of dispute from the consumer. Our client, Emergency Professional Services, is a provider of emergency room physician services at ********************************** in *********, **. The account in question was placed for the collection of an outstanding balance of $159.66 on 8/20/20. The charges stem from services that were rendered to the consumer on 6/10/19 and represent a patient pay amount that remained after insurance. Our initial validation notice, including the right to dispute language, was mailed to the consumer on 8/24/20. Follow up notices were mailed to the consumer on 10/6/20, and 12/1/20. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer.
Initial Complaint
04/06/2022
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Calls several times a week. States I owe thousands. States they are going to serve papers on me if I do not make resolution immediately. Leaves a phone number to *********** I called chase bank it is not one of their phone numbers. ****** at ***** told me it is fraud and chase does not do business that way.
Business response
04/07/2022
This complaint has been filed against the wrong company. Account Resolution Services has no accounts for this consumer. Account Resolution Services does not collect on, or have any affiliation with ***********
Initial Complaint
04/03/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Account Resolution Services ("ARS") is a debt collection agency. This agency allegedly obtained medical records, unauthorized and without my consent, my signature consent from its client. This practice is a direct violation of HIPPA laws and the Fair Debt Collection Practices Act.For your immediate review, I have attached a copy of a communication sent to ARS on February 21, 2022. To-date, ARS has failed to response, either via email, phone or regular mail, to the communication that I forwarded to its attention on February 21, 2022.Please note that directly upon receipt of this communication, I demand to promptly delete this negative listing from all three major credit reporting agencies, namely: ******************** and Equifax. If ARS is not willing to comply with this request, I further demand ARS to send any correspondence, regarding same, to the original business/entity. Additionally, please note that I am prepared to file further action against ARS in order to reconcile this apparent discrepancy.
Business response
04/05/2022
We have reviewed our records in this matter, and find the following. Our client, Emergency ******************** of S. Jersey, is a provider of emergency room physician services at ********************************** in ***********, **. The account in question was placed for the collection of an outstanding balance of $1,602.00 on 4/20/21. The charges stem from services that were rendered to the consumer on 11/6/19. HIPAA allows a provider to release certain information necessary to obtain payment for services rendered. We are not in possession of medical records, treatment notes, diagnosis, or any other information that would be considered a violation. We have received, and responded to one direct dispute received from the consumer. As required, we verified that the information being reported was accurate and reported the account as in dispute with the credit bureaus. Validation of the debt was mailed to the consumer on 7/8/21.
Customer response
04/05/2022

Complaint: 16979282

I am rejecting this response because a proper validation notice is not in receipt and was never provided. I am requesting ARS to forward the original copy of a hospital ****/services with signatures from both counterparties. If the hospital is a client of ARS, it would be sufficient for ARS to provide such information. ARS reluctance to provide such proof/validation of debt is evidence that its company, ARS, is in direct vioation of HIPPA laws and regulations. If matter is not reconcilced with the next five (5) business, I will be forced to seek resolution in a different jurisdiction.

Sincerely,

*********************************
Business response
04/12/2022
We have responded to the consumer's dispute, and this complaint in full compliance with the ***** and the *****
Initial Complaint
03/17/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
1.I have never had an account with these companies Account number#******** 2Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.3) The Agreement that grants you authority to collect on this alleged debt.4) A copy of your state license, including license number that give you rights to collect in my state.5.( The purchase agreement)ARS is in violation of 15 U.S. Code ****f - Unfair practices (7)Communicating with a consumer regarding a debt by post card.(8)Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. also violate HIPAA Privacy Rule **** U.S. Code ****e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value.8.As mentioned in the 15 U.S. Code 692f Unfair practices (8)9.While pursuing to ****g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until thereby collector obtains verification of the debt.10.15 U.S. Code ****k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of (1) (2) (A) (B) (3) 11.Mentioned in15 U.S. Code ****a Ive pointed out many violations your company is in pertaining to the U.S. Code **** and **** 3)Restriction on sharing of medical information
Business response
04/05/2022
If the consumer feels the account(s) were opened as the result of fraud or identity theft please file a report with the ************************ at www.consumer.gov/idtheft.Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit.
Initial Complaint
03/10/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This third-party creditor has listed a collection account with a balance of $867 to my consumer reports as account # ********. This is a request to validate the alleged debt. Please keep in mind that if you do possess any details of my medical history/records, this is a HIPPA Violation and this account needs to be deleted from each of my credit reports immediately. Thank you.
Business response
03/15/2022
We have reviewed our records in this matter, and find the following. Our client, Florida Emergency Physicians/**** and Associates, is a provider of emergency room physician services at Advent Health in Orlando, FL. The account in question was placed for the collection of an outstanding balance of $867.00 on 6/24/19. The charges stem from services that were rendered to the consumer on 5/31/18. Our initial validation notice, including the right to dispute language, was mailed to the consumer on 6/17/19. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer.
Customer response
03/23/2022

Complaint: 16881868

I am rejecting this response because: Is your company aware of the FDCPA and the FCRA? Debt collectors must comply with the FDCPA and the FCRA. I do not and have not contracted with your company. You do not have my permission to have any information about my personal affairs. I have no obligation to pay this alleged debt and it needs to be deleted from my credit reports immediately.

Sincerely,

******** *****
Business response
03/28/2022
As a third party debt collector, our client does not require the consumers "permission" to place an unpaid medical account in collections. We have been fully compliant with the FDCPA and the FCRA and stand behind our prior response.
Initial Complaint
03/01/2022
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with Account Resolution Services and do not have a contract with convergent. They did not provide me with the original application like I asked.
Business response
03/07/2022
We have reviewed our records and are unable to locate the account in question with the information the consumer has provided. Please respond with the ARS reference number that appears on the credit report in question, or the last four digits of the consumer's social security number.
Initial Complaint
03/01/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with ***** **** CR SVC INC and I do not have a contract with ARS ACCOUNT RESOLUTION plus they did not provide me with the original application like I asked. Account No:8809**** Amount Disputed:$288 MY OBJECTIVE IN FILING THIS COMPLAINT IS NOT TO HAVE THE ACCOUNTS VALIDATED, BUT TO HAVE THE ACCOUNTS PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE COMPENSATED BY THIS COMPANY FOR VIOLATING MY CONSUMER RIGHTS (FCRA).
Business response
03/07/2022
We have reviewed our records in this matter, and find the following. Prior to receipt of this complaint, we have received no notice of dispute, or correspondence from the consumer. As a third party debt collector, we are not required to have a contract with the consumer. Our client, ***** ****gency Services, is a provider of emergency room physician services at St. Anne Mercy Hospital in Toledo, OH. The account in question was placed for the collection of an outstanding balance of $288.75 on 11/22/19. The charges stem from services that were rendered to the consumer on 7/18/17 and represent a patient pay amount that remained after insurance. Our initial validation notice, including the right to dispute language, was mailed to the consumer on 12/2/19. Follow up notices were mailed to the consumer on 4/30/20 and 6/1/21. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer.
Initial Complaint
02/28/2022
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I checked my credit reports and saw that ARS was reporting an alleged debt on my report. On 1/18/2022, I mailed them a Certified letter to the company, however, they completely ignored my request for them to validate this alleged debt that they are reporting on my credit report. They never mailed me a dunning letter, ignored my request to legally validate this alleged debt, and continue to mess up my good name. Account Number: 859595xxx Amount: $710 I need them to close this account and delete it from my credit report.
Business response
03/01/2022
We have reviewed our records in this matter, and find the following. Our client, Inphynet South Broward, is a provider of emergency room physician services at Memorial Pembroke 24/7 Care Center in Pembroke Pines, FL. The account in question was placed for the collection of an outstanding balance of $710.00 on 7/20/18. The charges stem from services that were rendered to the consumer on 5/24/17. Our initial validation notice, including the right to dispute language, was mailed to the consumer on 7/23/18. Follow up notices were mailed to the consumer on 9/4/18 and 12/30/19. Each of these notices was mailed to the consumer at the same address provided in this complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. Validation of the debt was mailed to the consumer on 2/18/22.
Customer response
03/08/2022

Complaint: 16818305

I am rejecting this response because: I never received any validation of debt from this company as I requested. Also, this unvalidated account should not be reported on my credit reports according to 15 USC 1681 A3. Again, I am demanding that this company return this account from whomever their clients are and to delete it from my credit reports immediately.

Sincerely,

********* ******
Business response
03/15/2022
Our response remains unchanged. We have verified the information as accurate, and have properly validated the debt in question.
Customer response
03/15/2022

Complaint: 16818305

I am rejecting this response because: they have not legally validated this alleged debt. Not only did they not provide any legal documents with my signature on there.

Sincerely,

*******************************
Business response
03/20/2022
We have properly validated the debt as required.
Customer response
03/21/2022

Complaint: 16818305

I am rejecting this response because: THEY HAVE NOT PROPERLY VALIDATED THIS ALLEGED DEBT. They did not provide me a contract/agreement signed by all parties involved! I specifically asked them to delete this account off my credit reports, they continue to illegally report it!

Sincerely,

********* ******
Business response
03/12/2024
Dear *******************************,
The accounts you have referenced are closed and no longer in active collections with our company. As a courtesy,we deleted your tradelines in October 2020, and in December 2022.
Sincerely,
Patient Engagement & Excellence Team

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