ComplaintsforARS Account Resolution Services

• Initial Complaint

  09/02/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  ARS acct 8403**** was put on my Transunion and Experian credit report for $516. My report states a payment was made on 07/31/21 this is completely inaccurate I am not in a contract with them and have requested validation multiple times in 2020, 03/05/2021 and 08/2021. According to the Fair Credit Reporting Act, § Section 609 (a)(1)(A), they are required by FEDERAL LAW to verify - through the physical verification of the original signed certified consumer contract and chain of ownership - of any and all accounts they request to be reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof (an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof), that you have on file for the account listed above. If you are unable to provide the request I ask you to delete the invalid information from my reports.

  Business response

  09/03/2021

  Business Response /* (1000, 5, 2021/09/03) */ We have reviewed our records in this matter, and find the following. There have been no payments on the account in question since it's placement to ARS, and we have reported no payments to the credit bureaus in this matter. The consumer should contact the bureau in question for clarification/correction of this matter. Our client, Emergency Group of Arizona, is a provider of emergency room physician services at Abrazo Scottsdale Campus in Phoenix, AZ. The account in question was placed for the collection of an outstanding balance of $516.00 on 8/21/17. The charges stem from services that were rendered to the consumer on 4/30/16, and represent a patient pay amount that remained after a claim was filed with the consumer's insurance carrier. Our initial validation notice, including the right to dispute language, was mailed to the consumer on 8/23/17. 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 these requirements. Validation of the debt was mailed to the consumer on 10/3/19, 3/4/20, 4/13/20, 2/2/21, 2/23/21, 3/16/21, and 4/9/21. Consumer Response /* (3000, 7, 2021/09/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your response to my request for validation. However, The response you provided did not include adequate information and evidence to solidify your claim or to meet the requirements of the Fair Debt Collection Practices Act. Again, I dispute your debt collection-­related allegations, deny the same, and demand strict proof and validation. This dispute, denial, and demand are made in absolute accordance with federal law. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation: 1. Agreement with the creditor that authorizes you to collect on this alleged debt; 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired; 5. Complete payment history on this account 6. Proof that you are licensed to collect in my state; and 7. Your license number If you are not able to provide proof of the alleged debt I demand this be removed from my credit reports. (Note invalid "last payment" date being reported in attached) Business Response /* (4000, 9, 2021/09/08) */ We have met our obligations in this matter under both the FDCPA and the FCRA. Our response remains unchanged. Consumer Response /* (4200, 11, 2021/09/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) This does not comply with the Haddad verification standard or verify this debt is in fact mine. Again I request an itemized accounting detailing the transaction in an account that has led to the debt. Or a consumer contract with a wet ink signature agreeing to pay this alleged debt. Business Response /* (4000, 13, 2021/09/10) */ Once again, we feel we are full compliance with all applicable statutes. We will be unresponsive to any further complaints that do not include new information. Business Response /* (4000, 27, 2021/09/27) */ Please refer to our prior responses in this matter.

  Business response

  09/03/2021

  We have reviewed our records in this matter, and find the following. There have been no payments on the account in question since it's placement to ARS, and we have reported no payments to the credit bureaus in this matter. The consumer should contact the bureau in question for clarification/correction of this matter. Our client, Emergency Group of *******, is a provider of emergency room physician services at ************************ in *******, **. The account in question was placed for the collection of an outstanding balance of $516.00 on 8/21/17. The charges stem from services that were rendered to the consumer on 4/30/16, and represent a patient pay amount that remained after a claim was filed with the consumer's insurance carrier. Our initial validation notice, including the right to dispute language, was mailed to the consumer on 8/23/17. 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 these requirements. Validation of the debt was mailed to the consumer on 10/3/19, 3/4/20, 4/13/20, 2/2/21, 2/23/21, 3/16/21, and 4/9/21.

  Customer response

  09/05/2021

  (The consumer indicated he/she DID NOT accept the response from the business.)
  Thank you for your response to my request for validation. However, The response you provided did not include adequate information and evidence to solidify your claim or to meet the requirements of the Fair Debt Collection Practices Act. Again, I dispute your debt collection-related allegations, deny the same, and demand strict proof and validation. This dispute, denial, and demand are made in absolute accordance with federal law.
  
  I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation:
  
  1. Agreement with the creditor that authorizes you to collect on this alleged debt;
  2. The agreement bearing my signature stating that I have agreed to assume the debt
  3. Valid copies of the debt agreement stating the amount of the debt and interest charges
  4. Proof that the Statute of Limitations has not expired;
  5. Complete payment history on this account
  6. Proof that you are licensed to collect in my state; and
  7. Your license number
  
  If you are not able to provide proof of the alleged debt I demand this be removed from my credit reports.
  
  (Note invalid "last payment" date being reported in attached)
  See Attachment/File: 273CA9AC-A56B-462E-8CB6-CEADBF5817F1.jpeg

  Customer response

  09/08/2021

  (The consumer indicated he/she DID NOT accept the response from the business.)
  This does not comply with the ****** verification standard or verify this debt is in fact mine. Again I request an itemized accounting detailing the transaction in an account that has led to the debt. Or a consumer contract with a wet ink signature agreeing to pay this alleged debt.

  Business response

  09/08/2021

  We have met our obligations in this matter under both the ***** and the ***** Our response remains unchanged.

  Business response

  09/10/2021

  Once again, we feel we are full compliance with all applicable statutes. We will be unresponsive to any further complaints that do not include new information.

  Customer response

  09/24/2021

  I do not accept as the business has refused to provide any of the following I have requested
  
  1. Agreement with the creditor that authorizes you to collect on this alleged debt;
  2. The agreement bearing my signature stating that I have agreed to assume the debt
  3. Valid copies of the debt agreement stating the amount of the debt and interest charges
  4. Proof that the Statute of Limitations has not expired;
  5. Complete payment history on this account
  6. Proof that you are licensed to collect in my state; and
  7. Your license number

  Business response

  09/27/2021

  Please refer to our prior responses in this matter.

  Business response

  03/12/2024

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

  The account you have referenced is closed and no longer in active collections with our company. As a courtesy, we deleted your tradeline in December 2021.

  Sincerely,

  Patient Engagement & Excellence Team

  Customer response

  03/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩