Business Profile

Collections Agencies

AR Resources Incorporated

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Initial Complaint
11/20/2023
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.
Hello! On 11/17/23, I have received a bill for $205.29 which is not a part of my medical bill for ****** ******. I called ****** Customer Service and ****** ****** Daytona’s billing department and they cannot locate this bill. I was not contacted by anyone else other than **** and ****** for the final bill. This is incorrect and a scam attempt to collect money. I want them to erase my information and delete this medical record as they could not tell me anything about this other than the fact it was “for emergency room physicians bills.” I have the physicians bill almost paid off.
Business response
11/21/2023

Please be advised that AR Resources, Inc. has acknowledged the consumers dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on file. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that this form of debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.
Business response
11/29/2023
Please be advised that AR Resources, Inc. has acknowledged the consumers dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on file. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that this form of debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.
Initial Complaint
10/19/2023
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
They call me 3-4 times a day and leave voice-mails. This is harrassesment. I have never received written notice on what this concerns. I want them to leave me alone.
Business response
10/24/2023
Please be advised that AR Resources, Inc. of Pennsylvania has removed the consumers phone number from our system and will not receive further telephone communication from our office. We have sent a second notice to the address listed on this complaint. Thank you.
Customer response
10/25/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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.

Regards,

*****************************
Initial Complaint
10/13/2023
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 received a letter from AR RESOURCES, INC. dated September 26, 2023 demanding payment for their "client". The irony is that their "client" has admitted a serious billing mistake on their part. I am appalled by the absurd nature of the letter from AR RESOURCES, INC., and the underlying demand of payment where the fact is that there is NO PAYMENT DUE to their client by me/family. I have documentary evidence showing a ZERO balance and documented evidence from the "client" demonstrating a mistake on their part where I was wrongly billed. The said "client" has advised me that this has been rectified and AR RESOURCES, INC. should see precisely a ZERO BALANCE for the account in question. I would like to demand that AR RESOURCES, INC. stop any further collection efforts for this "alleged debt" as they have outlined in their letter immediately and demand a letter of explanation from their "client" about the billing mistake committed on their part. ARR account number: ******
Business response
11/07/2023
The initial letter AR Resources, Inc. of Pennsylvania sent to the consumer on 9/26/23 was a pre-collection notice and this account was never technically placed for collection. Thank you.
Initial Complaint
10/11/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Account #******** ; ********; ****XXXX I have requested that AR RESOURCES INC provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. I request validation under 15 U.S. Code § 1692g - Validation of debts. If information is not provided or the false reporting isn’t removed; as in ****** v. ***** ***** Corp., No. ******* (C.D.Cal. Nov. 14,1995), you may be liable for your willful non-compliance.In addition, any the contract signed between AR RESOURCES INC & the original creditor, notarized and sworn under penalty and perjury for AR RESOURCES INC ability to collect this alleged debt. AR RESOURCES INC is falsely reporting on my credit as a creditor and per FCRA they are not a creditor of mine. Under 15 U.S. Code § 1692e. False or misleading representations; AR RESOURCES INC is in violation. I have submitted a claim to the FTC as well as CFPB and attorney general for your willful noncompliance. Please remove it now. Under 15 U.S. Code § 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. Provide proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Business response
11/06/2023
Please be advised, AR Resources, Inc. of Pennsylvania has closed this file in our office. We will submit a removal request to the credit bureaus. Please allow at least 30 days for the removal to reflect. Thank you.
Customer response
11/07/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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.

Regards,

*******************************
Initial Complaint
10/05/2023
Complaint Type:
Customer Service 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 and I dont not have a contract with AR Resources and they have not provided me with the original documents as requested
Customer response
10/06/2023
I have tried to reach out to this company serval times before this even by letter to let them know I do not have a contact with them I am not liable for the debt thats owed to the original collector and asked for it to be removed.
Business response
10/16/2023
Please be advised that AR Resources, Inc. of Pennsylvania has acknowledged the consumer dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on this complaint. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that this form of debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.
Customer response
10/16/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:
I am not responsible for doing business with this company I did not agree to anything with this company and I do not have a contract with this company

Regards,

*****************
Initial Complaint
10/03/2023
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.
ARC is seeking collection on a fraudulent bill originated by ********* ******* *************. After a visit to the emergency room in Feb of 2023 I was awarded charity to cover the whole bill via the hospital. Leaving my bill at zero dollars. This has been confirmed in writing with ****** ****** and yet both companies, ARC and ***, continue to harass me via phone and mail. I want all contact via phone and mail to stop immediately and I want the debt removed from my credit report.
Business response
10/10/2023
Please be advised that AR Resources, Inc. of Pennsylvania has acknowledged the consumers dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on this complaint. Thank you.
Initial Complaint
09/26/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My name is ********************************* and I need to redispute $42.83 I own to ****************** client account ************* and accounts receivable resources account # ****** They won't let me redispute it or dispute it because I did a dispute last month I didn't hear back from them or get nothing in the mail yet about my dispute please help me they won't help me and they are getting smart to me and hanging up on me.
Customer response
09/28/2023
I had a dispute with ****************** last month for $42.83, Client Accounts Number ******, and Accounts Receivable Resources Account # ******. When I called yesterday and today, they claimed it verified it was valid. Still, they didn't send me anything to prove that saying that it was valid and won't help me redispute or dispute it again because I disagree with it, and they keep hanging up on me and getting smarts to me over phone calls.Redispute it or make a new dispute for it.
Business response
09/29/2023
Please be advised that AR Resources, Inc. of Pennsylvania sent validation materials on 9/19/23 to the address listed on this complaint. We also attached an additional copy of the bill to the consumer's CFPB complaint response. Thank you.
Customer response
09/29/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:I chatted back about CFPB ******-******** the $42.83 debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from 2021-2022 I required y'all to stop trying to collect the debt and close the account out and send it back to ****************** . Client Account Number ****** and Accounts Receivable ****************** Account ******
Regards,

*******************************
Customer response
09/30/2023
If y'all can't dispute it again or redispute or open a new dispute for it how long does it take to be send to the credits bureaus or will y'all send it to them if the payment don't get paid off or will it show up on my credit reports or no?
Business response
10/10/2023
This account is no longer in our system. We had this account from 8/23/23 to 10/2/23 and has never been any credit reporting activity for this account, and there will be no further collection activity or future credit reporting. Please contact ****************** for further assistance. Thank you.
Customer response
10/11/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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.

Regards,

*******************************
Initial Complaint
08/18/2023
Complaint Type:
Order Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
I am not liable for this debt with ********* ******** *************. I do not have a contract with AR RESOURCES INC, they did not provide me with the original contract as I requested
Customer response
08/25/2023
I checked my credit report and notice it was flagged on July 23rd, 2023 they reported it as a collection unpaid debt, without first sending me a notice to respond. They are required by law to do this, They didn't allowed me to respond before they rushed to report a false debt onto my credit reports (*******, **********, ********). This is in violation of ***** 15 USC 1692g(a). I sent a debt Validation letter, but never received a response back from them. I also do not have a contract with AR Resources INC.. According to the ***** regulations, they failed to provide proof of a debt they are claiming that I owe. I explained I will be reporting this false debt and violations to the *****/FTC. They have not validated this debt. Therefore, this needs to be deleted from my credit reports (*******, **********, ********) immediately, and for them to never contact me again. I attached copies of some of the documents I sent out to AR Resources INC.
Business response
08/29/2023
Please be advised that AR Resources, Inc. of Pennsylvania has acknowledged the consumer’s dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on this complaint. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that this form of debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.
Customer response
09/06/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because: by law they should have taken the necessary steps before reporting this unvalidated debt to the credit bureaus. They reported it as a collection of unpaid debt, without first sending me a notice to respond. They are required by law to do this, They didn't allow me to respond before they rushed to report a debt onto my credit reports (*******, **********, ********). They didn't follow the law, 15 U.S. Code § 1692g - Validation of debts. As stated before a validation letter was sent out, but no response back from them. I also do not have a contract with AR Resources INC. They failed to provide proof of a debt before reporting an unvalidated debt to the credit bureaus. Effective November 30, 2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, *******, ********, and **********, before first contacting the consumer. Therefore, this needs to be deleted from my credit reports (*******, **********, ********) immediately.

Regards,

***************************
Initial Complaint
08/07/2023
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.
After closely review the documents I requested I find that this debt does not belong to me someone else use my name or person with same name also I notice that the account number ************* is different from what they are reporting on my credit report which is ******xx thats false reporting also the date of service show 01/21/18 on that debt was open on my credit report on the 03/26/18 thats just one month Before it was report to my credit thats information dont match and this is false information reporting I attach the false document thats was presented to me on whats on my credit report
Business response
08/10/2023
Please be advised that AR Resources, Inc. of Pennsylvania has closed this account in our office due to fraud. Thank you.
Initial Complaint
08/01/2023
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.
AFTER CONDUCTING A CAREFUL REVIEW OF MY CREDIT REPORT, I NOTICE ERRORS THAT NEEDED TO BE ADDRESSED AND REMOVE. I HAVE NOT DONE BUSINESS OR SIGNED ANY CONTRACTS WITH THESE BUSINESSES. Medical Services Obtained by the ************* or Organization: AR RESOURCES INC: ******** ********* ********* Date fraud began:3/2022 Date that I discovered it:7/2023 Total fraudulent amount:$ 930
Business response
08/09/2023
Please be advised that AR Resources, Inc. of Pennsylvania has closed this account in our office due to fraud. We will submit a request to have this removed from the consumers credit report. Please allow at least 30 days for it to reflect. Thank you.

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