ComplaintsforAccount Recovery Specialists, Inc.

• Initial Complaint

  02/01/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have no contract with this company they need to cease contacting me on account that was included on chapter 7 bankruptcy,I was contacted by na Kline nichols I am giving them a notice or will file suit for damages,and harassment

  

  Business response

  02/09/2024

  Consumers do not need a contract with a collection agency for a collection agency to take steps to collect a debt. Collecting a debt also does not automatically give rise to harassment, and Account Recovery Specialists, Inc (“ARSI”) stands by its collection practices and is not, and would not, harass a consumer. As it relates to the assertion related to the Chapter 7 bankruptcy filing, I have reviewed the petition filed with the bankruptcy court and it does not list the creditor at issue in the debt at issue in the complaint. It lists a business with a very similar name and in doing a reverse address search, the notice of the filing would have gone to yet another business with a similar name in Florida. The creditor that hired ARSI to collect on its behalf is located in Wichita, Kansas. Therefore, not only is the creditor name in the bankruptcy filing not correct but it also wasn’t sent to the correct place. However, the creditor has elected to assume it was the intended creditor even with the numerous clerical errors and has written off the balance and the account is no longer being collected by ARSI.

  

  Business response

  02/20/2024

  ARSI attempted to collect a debt it thought was valid based on information provided from the original creditor. Because of the information provided by the consumer, ARSI was able to verify the debt it believed was valid was discharged and it has since been cancelled in the collection system. There will be no further attempts to collect or communication to the consumer, which accomplishes what he’s ultimately asking for – no contact.

  Customer response

  02/20/2024

   
  Complaint: ********
  
  I am rejecting this response because:
  They should be fagged for their harrasment activities even when i informed them it was discharged but they kept insisting it wasnt i even gave them the bnkruptcy discharge number and attorney,they have caused headache and heartache to me and my family willfully,intentionally and negligently
  Sincerely,
  
  ****** *******

• Initial Complaint

  12/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I trust this message finds you well. I am reaching out to address a pressing matter concerning the treatment of credit information by AMEX. Despite my previous attempts to resolve this issue, I find it necessary to inform you that if the matter is not promptly and satisfactorily addressed, I will be compelled to submit a formal complaint to the court for violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). **Background:** I have identified several instances of improper credit reporting, including inaccuracies in the information reported by AMEX to credit reporting agencies and the reinsertion of negative information without proper validation. Additionally, there are concerns regarding potential violations of the FDCPA in connection with the handling of their account. **Resolution Request:** I am formally requesting that AMEX takes immediate action to: 1. Delete this account from their credit report. 2. Cease any unauthorized access to my credit information. 3. Confirm in writing the completion of the aforementioned actions within FIVE days of receiving this email. **Notice of Intent to Pursue Legal Action:** If the issues outlined above are not resolved within the specified time frame, I regret to inform you that I will have no alternative but to pursue legal action. This will involve submitting a formal complaint to the court seeking remedies under the FCRA and FDCPA, including but not limited to damages, attorney's fees, and any other relief deemed just and proper by the court. I believe that an amicable resolution to this matter is in the best interest of all parties involved. I urge AMEX to take this matter seriously and act swiftly to rectify the reported violations. Your cooperation in this matter is appreciated. I look forward to a prompt and satisfactory resolution. Client's Information: ******** ***** ******* ******* **************** **** **** ** *** *********** ********** **

  

  Business response

  12/09/2023

  The debt at issue is not being collected by Account Recovery Specialist, Inc. Our agency does not collect for ******** ******* or any other credit card debt. Account Recover Specialist, Inc. is not a data furnisher to any Credit Reporting Agencies.

• Initial Complaint

  05/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This business does not connect a consumer-debtor with an ARSI employee to provide the company's address for payment, who to make a check out to, or the amount of the debt. The company declines to provide this information when a consumer calls to obtain it. It also has not provided information in writing upon request. The ARSI operator states that there is one designated ARSI employee to speak with, who does not answer consumer calls. This company wants to call the consumer, rather than allowing the consumer to call to get information, written or not, to clarify or confirm or to pay in full. If you call the creditor, the creditor refers you to ARSI, and the creditor does not, or cannot, provide the designated ARSI account number, that would enable the consumer to register to view the amount due or to pay in full on the website.

  

  Business response

  05/10/2023

  The collection agency at issue in the complaint is not Account Recovery Systems, Inc., located in ******** ******. This seems evident by the description of the experience with the agency because it does not match how Account Recovery Systems, Inc. handles consumer conversations. Even if an account manager is unavailable to speak to a consumer, receptionist are always available during business hours to provide a mailing address or web address for payment inquiries. Furthermore, the consumer filing the complaint is located in **********, where there is another collection agency of a similar name. We would encourage the consumer to closely verify her records to confirm she is reaching out to the correct agency. The consumer is welcome to email our collection team directly via our secure website at www.arsico.com. 

  Customer response

  05/10/2023

  
  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,
  
  Karen ******

• Initial Complaint

  06/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  There's has been several attempts to resolve debt, they refuse to be paid in full for deletion. They wish to be paid in full and still negatively affect us and our family. We simply wish to pay our debt in full, but this company wishes to receive full payment and still hurt us. They have fraudulently increased the debt amount by a dollar per month even with the attempts to pay, and wrongly affected our credit every month. This is predatory and against the rights of the American consumer. If this is not resolved, we are seeking legal counsel.

  

  Business response

  07/01/2022

  Business Response /* (1000, 5, 2022/06/14) */ As always, I will note that this consumer is not our customer. Our customer, or more accurately our client, is owed money by the consumer and her co-debtor. There have been a number of efforts over time by the consumer(s) to have correct information removed from their credit report. In early 2022, I spoke with the consumer and broke down the debts she and her co-debtor have in collections at our agency, and sent her the letter she requested breaking those balances down. We didn't hear anything from them until just prior to this complaint being filed, when the co-debtor called looking to "pay-and-delete." As we all know, such transactions are prohibited by the credit reporting agencies, and I informed the co-debtor of the same. He stated that there was then "no point to pay, so (he) won't pay." It appears their next move was to file this BBB complaint. Our company is tasked with collecting the balances for our client, and we have the responsibility to correctly furnish information to credit reporting agencies. Correctly furnishing includes informing them of the balances, including statutory interest that accrues, and also informing them if/when an account that was in collections is finally paid. That is different than making the finally paid account and its history of having been past due in collections vanish. The creditor retains the option of pursuing legal action against the debtors. The debtors can certainly pay their balances, but not contingent on our agency doing something prohibited by the credit reporting agencies.

• Initial Complaint

  05/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was hurt at work had no health insurance i got stuck with the bill a collection service called account recovery specialist go ahold of the bills I never originally had a debt to them personally I never signed a contract with them they are charging interest on over ***** dollars that I couldn't afford to pay they said if I make minimum payments I would pay till 2070 I would be dead before then the payment was only going towards interest I live in ****** they not allowed to charge interest in ****** since they aren't the original party that I owed so I quit paying waiting to see if they take me to court so the interest will not continue to get higher but what they are doing is not allowed in ******

  

  Business response

  06/06/2022

  Business Response /* (1000, 5, 2022/05/07) */ As always, I'll start by noting that this consumer is not our customer. Our clients are the entities that the consumer owes money to, and who have hired us to assist in the recovery of that money. Our company does not and has not bought these debts, so the consumer is correct in that he does not owe money directly to our company. He has owed and continues to owe money to our clients. The consumer was making payment toward his outstanding balances and had a plan to continue doing so as recently as November 2021. Interest is not only allowed in ******, it is prescribed by statute, specifically KSA 16-201 when there has not been a rate agreed to, at the rate of **% annually from when the balances went past due to our clients. We will record that the consumer no longer wants to be contacted by us, and that the next step for our clients to recover the money would be for the accounts to go on to a collection attorney and to file suit against the consumer.

*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. ↩