ComplaintsforARS Account Resolution Services

• Initial Complaint

  01/09/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have no idea what this medical bill is for. I do see some doctors all of which get paid by my healthcare provider of me directly. I have never received an outstanding bill as of January 9 2022 from any doctor, service or medical provider. I don't even know what this bill is supposedly for. This collection says it was from October 20 2021 and showed up on my credit report 1/7/2022. If I had any outstanding bills I certainly would have made arrangements with whomever long before it going to inphynet s broward. I have dealt with their incorrect ******** on a ***** bill in the past from a place I never stepped foot into. My credit report was impeccable before this and would like to have this removed, not marked as paid. All doctors I have seen, I continue to see and none of them ever said I owe a *****. I don't believe they'd keep seeing me if I had. Again, I never received any bills, I do have healthcare, I have zero idea what this is supposedly for. I have not moved, have not changed my address. Thank you

  Business response

  01/10/2022

  We have reviewed our records in this matter, and find the following. Our client, Inphynet *************, is a provider of emergency room physician services at ************************** in *********, **. The account in question was placed for the collection of an outstanding balance of $1,716.30 on 10/21/21. The charges stem from services that were rendered to the consumer on 6/18/20, 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 11/19/21, a follow up notice was mailed to the consumer on 1/3/22. Each of these notices was mailed to the consumer at the address provided in this complaint. If the consumer believes the account has been paid, please provide our office with proof of payment.

  Business response

  03/19/2024

  Dear *******************************,

  We have reviewed our records in this matter and find the following. Our client, Inphynet *************, is a provider of emergency room physician services at ************************** in *********, **. The account in question was placed for the collection of an outstanding balance of $1,716.30 on 10/21/21. The charges stem from services that were rendered to the consumer on 6/18/20, 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 11/19/21, a follow up notice was mailed to the consumer on 1/3/22. Each of these notices was mailed to the consumer at the address provided in this complaint. If the consumer believes the account has been paid, please provide our office with proof of payment. As a courtesy, the tradeline was deleted in September 2023.

  This communication is from a debt collector.

  Sincerely,

  Patient Engagement & Excellence Team

• Initial Complaint

  12/04/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  In 2018 i worked at the Port of Tampa for a temp employment agency in a facility unloading bananas off a ship. Long story short, I got crushed between crates of bananas by a forklift driver and ended up at the e.r in Tampa General. The bill should have been paid by the temp agency insurances not me! Recently I obtained an account with credit karma to start building my credit and found this collection's account negatively impacting my credit. It was from inphynet contracting services but being collected by ARS Account Resolution Services 1643nw 136th Ave sunrise FL XXXXX. I made an attempt to call them and was hung up on. I've since mailed them a letter asking for verification of the debt. Nothing is being done by them. I want this account removed from all three credit reporting agencies.

  Business response

  12/21/2021

  Business Response /* (1000, 5, 2021/12/20) */ We have reviewed the account in question with our client, who has asked that the account be closed and that a deletion request be submitted to the credit bureaus. We have closed the account, and have requested deletion from the credit bureaus. Please allow the bureaus 30-45 days to update their records. Consumer Response /* (2000, 7, 2021/12/21) */ (The consumer indicated he/she ACCEPTED the response from the business.) This was the only acceptable outcome for this account. A deletion of the account from all 3 major credit reporting agencies. This email will be kept on file for any future discrepancies or misunderstandings.

• Initial Complaint

  11/13/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This credit collection company is a joke. They do not communicate on the phone correctly at all and all they want to do is collect a payment. I wrote this company 3 letters explaining that the bill they have been sent was paid from my medical insurance. They do not attempt to call me back at all & refuse to consider this dispute as a dispute. I don't know how else to explain it to them that the collection account they are wanting to collect has already been handled by my medical insurance provider. Not sure if anyone at this company has a single brain cell in their head. The account is sitting on my credit report doing damage and not allowing me to pursue anything in terms of applying for credit. ARS is a joke and I would like for them to contact me, someone who is American and can speak clear cut English language in order to wipe this fraudulent account of my credit report.

  Business response

  12/06/2021

  Business Response /* (1000, 5, 2021/11/15) */ we have reviewed our records in this matter, and find the following. Our client, Emergency Professional Services, is a provider of emergency room physician services at Southwest General Health Center in Middleburg Heights, OH. The account in question was placed for the collection of an outstanding balance of $1,506.00 on 4/24/20. The charges stem from services that were rendered to the consumer on 2/16/19. The consumer provided insurance information to our office that became effective 4/1/19, after the date of service in question. We have verified with our client 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. Consumer Response /* (3000, 7, 2021/11/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) This was a medical emergency that was presented to me during this time. I had insurance, in fact, the hospital that provided me these services were the ones who signed me up for it! I don't understand why this is on my report. We're in the middle of a pandemic, I am struggling to pay bills that actually are important in my life, and I asked this company on several occasions to please remove this account from my record. I have begged and sent several letters asking for forgiveness. It's so crazy to me that they have no remorse for someone that was provided services that saved my life, then want to charge them and then add it to their credit report! This company is like a leech and will not even come down on the price or delete it. I would like to bring this company to please delete this from my credit report. This will be the 6th time I've asked. Business Response /* (4000, 9, 2021/11/18) */ Please provide our office with proof of valid insurance coverage for the date of service in question.

• Initial Complaint

  11/09/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Account Resolution Services has been attempting to collect an alleged debt with no validation that this alleged debt belongs to me. I have filed numerous complaints with the CFPB, and they have YET to provide such proof of validation. They are violating my right of Fair and Accurate Credit Transactions Act on credit reporting, thus the accounts need to be removed from my credit report immediately.

  Business response

  11/19/2021

  Business Response /* (1000, 5, 2021/11/10) */ We have reviewed our records in this matter, and find the following. We are not in possession of medical records, treatment notes, diagnosis, or any other information that would be a violation of HIPAA. 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 following accounts have been placed with our office. Reference number XXXXXXXX date of service 5/23/17 balance $39.76, reference number XXXXXXXX date of service 8/11/16 balance $397.60, reference number XXXXXXXX date of service 2/8/18 balance $417.76, reference number XXXXXXXX date of service 6/24/18 balance $438.48. Each of the outstanding balances is a patient pay amount that remained after insurance. Our initial validation notice, including the right to dispute language, was mailed to the consumer at the time each account was placed with our office. We have verified with our client that the information being reported is accurate, and have reported the accounts as in dispute with the credit bureaus. Validation of the debts was mailed to the consumer on 3/27/19, 7/25/19, and again on 10/13/21. Consumer Response /* (3000, 7, 2021/11/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your company has failed to provide the requested information below as I have asked numerous times. Claiming a debt is owed to someone WITHOUT providing FACTS that the alleged person is in deed responsible for such debt goes against the FAIR CREDIT REPORTING ACT! So once again provide PROOF OF HOW THE ALLEGED DEBT YOU ARE CLAIMING is owed or send this account back to its original owner. Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above requested proof. Business Response /* (4000, 10, 2021/11/15) */ We have met our requirements in this matter, and are fully compliant with both the FDCPA and the FCRA. Our response remains unchanged. Consumer Response /* (4200, 12, 2021/11/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) AGAIN, Your companies laziness to provide the requested information below as I have asked numerous times. This is a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt,the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. XXXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and SEC. XXXXX(X) BREACH OF SECURITY. The term ''breach of security'' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist. This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages...I AM REFUSING TO PAY THIS ACCOUNT Business Response /* (4000, 14, 2021/11/18) */ Once again, our response remains unchanged.

• Initial Complaint

  11/04/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  HRRG has called my work phone number 3 days in a row allegedly regarding a medical bill for my minor son. I have no idea if this is even true at this point. When I get a representative on the phone, they tell me HRRG no longer has this account and it has been sent to another collection agency. Yet the collection calls keep coming in despite the fact that they no longer have this debt. On 11/4/21 I spoke to representative Maria who stated her phone system is unable to transfer calls to a manager/supervisor. THE CALLS MUST STOP- THIS IS HARASSMENT PLAIN AND SIMPLE.

  Customer response

  11/05/2021

  Another automated call today 11/5/21!

  Customer response

  11/20/2021

  The courtesy of a response from the business would be appreciated! The business had until yesterday Nov. 19 to respond and no response whatsoever was provided to me. Why not?

  Business response

  03/20/2024

  Dear *************************************,

  Thank you for taking the time to reach out to us regarding account numbers: 88732692.

  As a courtesy, we wrote off the remaining $15.00 from your family members account. Thank you for your payments. Your account is now closed and resolved.

  This is a communication from a debt collector.

  Sincerely,

  Patient Engagement & Excellence Team

• Initial Complaint

  11/02/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Account Resolution Services is reporting four separate accounts on my credit report. This company is not authorized to do this as services were provided in an emergency room where I was not giving the opportunity to select an in network provider that was participating with my insurance. This is against the law as the provider is the provider on call for the hospital. The provider was paid by the hospital for services rendered in the hospital. I did not sign any paperwork agreeing to pay the provider for any services that were rendered at the hospital.

  Business response

  03/18/2024

  Dear *********************,

  We conducted investigations and confirmed we received and responded to eighteen E-***** disputes. Thank you for providing your identity theft documentation on July 4, 2022. Upon receipt, we closed the accounts, deleted the tradelines, and suppressed all further collections.

  Thank you for the opportunity to submit this response.

  Sincerely,

  Patient Engagement & Excellence Team

• Initial Complaint

  11/01/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have sent this company a debt validation letter and have received no response in reference to this account. Account Info Tap labels for more details Account number XXXXXXXX Collection opened Feb 24, 2020 Account type Collection Paid off: 0% Balance on Oct 02, 2021 Original balance $1,610 $1,610 Payment Info Original balance $1,610 Balance $1,610 This is Hippa violation and should be removed from all credit reporting agencies Social security number in reference is XXXXXXXXX

  Business response

  11/15/2021

  Business Response /* (1000, 5, 2021/11/02) */ We have reviewed our records in this matter, and find the following. We show no record of receiving any correspondence or notice of dispute from the consumer. Our client, Emergency Coverage Corporation, is a provider of emergency room physician services at Henrico Doctor's Hospital in Richmond, VA. The account in question was placed for the collection of an outstanding balance of $1,610.00 on -2/24/20. The charges stem from services that were rendered to the consumer on 1/19/19. We have verified with our client 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. Consumer Response /* (3000, 7, 2021/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hippa violation they have no rights to my medical records Business Response /* (4000, 9, 2021/11/04) */ HIPAA allows a provider to release certain information necessary to obtain payment for services rendered. Our office is not in possession of medical records, treatment notes, diagnosis, or any other information that would be considered a violation.

• Initial Complaint

  10/20/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Collection Agency has not provided proper validation and or a copy of my signature with the provider of service to release my medical information to anyone including this collection agency. RE= XXXXXXXX Account Number XXXXXXXXXX-XXXXXXX Emer SVC of TX ** Regarding **** ******

  Business response

  11/15/2021

  Business Response /* (1000, 5, 2021/10/21) */ We have reviewed our records in this matter, and find the following. Our client, Emergency Services of TX, is a provider of emergency room physician services at Del Sol Medical Center in El Paso, TX. The account in question was placed for the collection of an outstanding balance of $2,260.04 on 10/21/19. The charges stem from services that were rendered to the consumer's minor child on 6/26/18, 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 10/25/19. Follow up notices were mailed to the consumer on 12/6/19, 4/1/20, and 4/29/21. HIPAA allows a provider to release certain information necessary to obtain payment for services rendered. We are not in possession of medical records, or any other information that would be considered a violation. Upon receipt of a consumer dispute, we are required to do the following. 1. Verify with our client that the information being reported is accurate. 2. Report the item as in dispute with the credit bureaus. 3. If requested, provide the consumer with validation of the debt, which must include the name of the original creditor, the date of service, and the current balance of the account. We have met the se requirements. Validation of the debt was mailed to the consumer on 9/30/21, and again on 10/21/21. Consumer Response /* (3000, 7, 2021/10/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Per FTC STAFF OPINION a mere printout or itemized statement from the debt collector is not sufficient. please see attached Business Response /* (4000, 9, 2021/10/25) */ We have responded to the consumer's dispute in full compliance with both the FDCPA and the FCRA. Consumer Response /* (4200, 11, 2021/10/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The agency has not mailed as required by law the name and address of the original creditor (in this case it seems to be a doctor) as well as proof of such debt as in a contract with my signature Business Response /* (4000, 13, 2021/10/29) */ Once again, we have met our requirements in this matter, our response remains unchanged. Consumer Response /* (4200, 15, 2021/10/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The agency has not mailed as required by law the name and address of the original creditor (in this case it seems to be a doctor) as well as pro. of of such debt as in a contract with my signature. I have insurance which pays the contracted rate medical providers. Business Response /* (4000, 17, 2021/11/01) */ Once again, we have responded to the consumer's complaint on multiple occasions, our response remains unchanged. Unless further information is provided, we will be unresponsive to any further complaints filed in this matter.

• Initial Complaint

  10/09/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I received a negative remark on my credit report from ARS for Paragon technical svcs, Inc. I do not know what this bill pertains to. I and my family all have insurance for YEARS. I have no insurance claims placed for the amount that appears on my credit report. It is not my responsibility to bill insurance correctly and I always provide my information. The lack of billing properly if this is a valid bill is at the fault of Paragon Technical. All of my visits including hospital visits have all been billed properly so I am not certain what happen with Paragon Technical Svcs, but I want this removed from my collection report ASAP!

  Business response

  10/18/2021

  Business Response /* (1000, 6, 2021/10/12) */ We have reviewed our records in this matter, and find the following. Our client, Paragon Contracting Services, is a provider of emergency room physician services at Cleveland Clinic in Port St. Lucie, FL. The account in question was placed for the collection of an outstanding balance of $1,049.00 on 7/21/21 and stems from services rendered to the consumer's minor child on 10/17/19. Our client's records indicate that a claim was submitted to the carrier provided, and that payment was denied. We have verified with our client 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. Consumer Response /* (3000, 8, 2021/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) But no claim was submitted to my insurance carrier. If a claim was submitted and denied, I would have a record of that. There are ZERO records of any claim being submitted. I would like proof of the claim showing that it was sent to the proper insurance company. I can provide the proper insurance information as the provider clearly did not submit properly and I still have the same insurance carrier and I can prove that no claim was ever submitted to them at all. Business Response /* (4000, 10, 2021/10/13) */ Claims are submitted electronically. If the consumer's insurance carrier is stating they have not received a claim, please have the carrier contact our office at (XXX) XXX-XXXX for further information. Consumer Response /* (4200, 12, 2021/10/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Excuse me, but when a claim is submitted, I receive a formal letter letting me know a claim was submitted and if it is going to be paid or not. It is called an Explanation of Benefits and you get one for EVERY claim submitted. I went into my insurance account and a claim was NEVER submitted!!!! I don't understand why we have to chase you guys when it is your responsibility or your client's responsibility to submit claims properly and if they are denied to contact the insurance carrier. Because I did not receive an explanation of benefits and there is no record of this bill anywhere on my insurance that means your client did not do their due diligence to bill my insurance carrier in a reasonable time frame and did not even inquire properly!!! My insurance carrier is CDPHP Universal Benefits, Inc. The phone number is XXX-XXX-XXXX or XXX-XXX-XXXX. In Florida, our bills are paid/ submitted via MagnaCare or First Health Network. If you client had inquired with the phone number provided on the insurance card, this information would have been provided to them. I want a copy of the denial claim because as of right now NO INSURANCE OF MINE was billed!!!! Business Response /* (4000, 14, 2021/10/15) */ we have confirmed that the claim filed in this matter appears to be for a prior carrier. We have closed the account in question, and have requested deletion of this item from the consumer's credit report. Please allow the bureaus 30-45 days to update their records. Consumer Response /* (2000, 16, 2021/10/18) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciate your help with the matter and I look forward to a positive outcome for your client and myself as well. Have a great day!

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