Complaints

This profile includes complaints for Armada Corp.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Armada Corp.

  93 Eastmont Ave Ste 100 E Wenatchee, WA 98802-5305

• 

  Armada Corp.

  6101 Capitol Blvd SW Ste C Tumwater, WA 98501-8519

• 

  Armada Corp.

  6101 Capitol Blvd. SE Tumwater, WA 98507

• 

  Armada Corp.

  PO Box 709 Wenatchee, WA 98807

• 

  Armada Corp.

  PO Box 6756 Kennewick, WA 99336-0640

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/07/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company is calling me an a bi-monthly basis. Lately weekly.When I return the call they tell me they have no open account in my name. It was a mistake and they will remove my number. 4 people have now told me the same thing. They say there is no supervisor available to talk to. The tell me that they do not use email to confirm that my name is in good standing. Calls received Feb 12th "No open account. Must have been a mistake."Feb 26th. "No open account. We will remove your #."March 19th "No open account. We will remove your #."March 24th "No open account. We will remove your #."April 2nd "No open account. We will remove your #."April 7th "No open account. We will remove your #. No supervisor available. We do not use email."

  Business Response

  Date: 04/07/2025

  After thoroughly reviewing the complaint by Mr. ***** I searched our database and found only one previous account, in his name. The only notation I find that is tied to the telephone number provided in the complaint ***************] was 2-26-25 on that same account. In that call, we concurred that the debt had been paid.

  I find no other link within the Armada database to the telephone number as provided ***************]. If the number that calls are being received on is different than the one listed in the complaint; I would need that number to do additional research.

  Customer Answer

  Date: 04/07/2025

   
  Complaint: 23171359
  
  I am rejecting this response because:
  As stated above. Armada corp calls me on a weekly basis. When I return the call I am being told there is no record of us , Armada corp, calling me and they will remove my phone #. Please check your systems to make sure this is happening.
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:02/03/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please see the attached letter with the details of my complaint.

  Business Response

  Date: 02/15/2025

  The complaint, attachments and the account listed for ********************** on 10-29-24 have been thoroughly reviewed. I immediately engaged our client upon receipt of the complaint/dispute and provided a copy of the narrative to them. On February 12th I received a message from The ******* Clinic indicating confirmation that the secondary insurance had not been billed correctly which left the balance that was sent to collection. The message further indicates that additional adjustments have been made. I can't affirm if there is any balance left owing at The ******* Clinic. No balance remains in collection with Armada Corp. I requested a copy of the "initial billing statement" from our client. The ******* Clinic has recalled the account effective *******. I have no information other than that provided to us in the initial listing which confirms the date of service of 2-15-24 shown as the last charge date. I am empathetic to the stress and frustration medical debt alone can cause, let alone collection activity. Armada Corp is committed to our efforts to collect only on debt justly owed. I appreciate the very clearly stated objection to the account that has led to this conclusion for Ms. ********** account was not reported to any Credit *****************

• Initial Complaint

  Date:01/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have 2 accounts open for *********************** and I am sure they are bogus.... it doesn't day what type or for original creditor it says Armana Corp.... I tried to contact them but they do not answer or call back.... I need this off of my credit so my credit isn't effected by something I do not owe

  Business Response

  Date: 01/10/2025

  I have thoroughly reviewed the information provided by ****** ***** in this complaint as well as the accounts. Ms. ***** relates specifically to two accounts on her ********************** report. There are in fact, 12 accounts in collection.  All ************************** collection 8-29-23. The validation notice was mailed to the address-of-record provided by the client on the day of assignment. There was no mail returned from that ****************************************************** address. Calls have been placed to ************* No responses or calls from the consumer are noted. Due to the nature of the accounts by a single client, information will be mailed to the address now provided as validation for Ms. ****** We would be happy to assist her in the resolve of justly owed debt. The telephone number to call is ************ for that assistance.

  Customer Answer

  Date: 01/11/2025

   
  Complaint: 22792373
  
  I am rejecting this response because: i do not have the said accounts owed... after researching this company, I have noticed 2 things...

  1. They are not verified thru the BBB

  2. Reviews are saying this is a hack company and I have never recieved any letters in the mail, or calls from them....

  I believe these were added under false pretense!
  
  Sincerely,
  
  ****** *** *****

• Initial Complaint

  Date:12/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an unsolicited call from ************** on December 12, 2024 at 11:13 A.M. Central Time regarding an alleged debt they were trying to collect. I checked my records later that day and found that I had no outstanding debts according to my annual credit report from **********.

  Business Response

  Date: 12/12/2024

  I have reviewed the information provided by Mr. ******** I don't find him in our database with the limited information provided. It does appear that a call was placed to the telephone number provided in this complaint. There are many reasons a call might be made to a non-debtor including reassigned cell numbers or input errors at the source. I find no violation and further the number has been removed. Thank you.

• Initial Complaint

  Date:10/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ARMADA REPRESENTING *** SENT TWO SEPARATE BILLS.(A) Date 9/16/24: Account #*********. Last charge date: 12/27/23 2. Principal: $8450.00 3. Agency Int: $641.74 4. Amount due: $9091.74 (B) Date 9/16/24: Account #*********. Last charge date: 5/19/23 2. Principal: $1850.00 3. Agency Int: $258.65 4. Amount due: $2108.65 DCP HAVE ONE BILL DATE 12/27/23.1. DOS: 3/18/23. Amount $1850.00 2. DOS: 4/27/23. Amount $1795.00 3. DOS: 4/27/23. Amount $1795.00 4. DOS: 4/27/23. Amount $2010.00 5. DOS: 4/27/23. Amount $550.00 6. DOS: 4/27/23. Amount $450.00 TOTAL: $8450.00 DCP informed me that $1850.00 was included in the $8450.00 total. *** said they have no record of a last charge date of 5/19/23 as Armada listed.Conclusion: Armada is attempting to bill me twice for $1850.00.

  Business Response

  Date: 11/04/2024

  I have thoroughly reviewed the complaint, the accounts and statements provided by our client; ***********************. The client listed two separate accounts on *******. One was the principal balance of $8450.00 and the other had a principal balance of $1850.00. Upon a close review and conversation with the client, Mr. ****** is correct in that the $1850.00 was part of the whole [$8450.00]. The individual account for the $1850.00 principal balance has therefore been cancelled from collection. That leaves the single account balance of $9210.85 [$8450.00 + $760.85 interest]. I further see that the client has authorized a settlement of $7651.61 if Mr. ****** is interested in that. He should contact Armada Corp of Nevada at ************ to further deal with this collection account. I appreciate the opportunity to assist in resolve of the justly owed debt.

  Customer Answer

  Date: 11/04/2024

   
  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,
  
  ******* ******

  Customer Answer

  Date: 11/10/2024

  Concerning Armada Corp of Nevada response dated 11/04/2024 settlement of $7651.61.   The enclosed email from DCP on 11/05/2024 list settlement as $7304.00 is to be sent to DCP and not sent to Armada Corp.

  Respectfully,

  ******* ******

  ------------

  Hi *******,

  I just left you a message.

  My supervisor has approved that you pay ************ $7,304.00.

  Please mail the payment to the address highlighted below.

  Thank you for your assistance working through this,

  ***** ******

  **************************************************************

  *******************                                    

  Office: ******************** | Fax: **************

  ************************************************************************************************************** | *******************

  Business Response

  Date: 11/12/2024

  Thank you for providing the information as it isn't reflective of what had been our client communication with us. I don't see a date of that communication, but the response provided was accurate at that time with regard to payment both to whom and in what amount. Our goal is to see "justly owed debt" paid. To ensure proper credit is applied; I suggest that Mr. ****** communicates the payment date/means to the Armada representative once tendered to ****************************. Thank you for resolving this issue.

  Customer Answer

  Date: 11/13/2024

   
  Complaint: 22496160
  
  I am rejecting this response because:  I have not recieved a certified or registered mailing from this business addressing the details of the debt.  Until then, this business do not have any input in this matter.  
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 11/14/2024

  Mr. ****** misunderstood the most recent suggestion in that we want to assist him in seeing that there is follow-through to his resolve.

  The account has been noted, and we will follow our normal course of action.

  Thank you for your time.

• Initial Complaint

  Date:08/08/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ARMADA CORPORATION. I do not have a contract with ARMADA CORPORATION they did not provide me with the original contract as requested

  Business Response

  Date: 08/09/2024

  The communication by ************** regarding accounts placed with ********************** Corp is lacking the necessary elements for an adequate review. If ************** will make contact with a Representative at ************, she will have the opportunity to request documents and/or reach resolve on any genuinely owed debt. We appreciate the opportunity to assist this consumer in that endeavor.

   

• Initial Complaint

  Date:05/27/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In April 2024, I reached out to Armada Corp as I felt I had paid off a medical bill that was in collections. They informed me that too much money had been collected & was being applied to accounts that were already paid off. They stated they would refund me what had been overpaid. They said that my account had been paid off since about December 2023. I asked them to stop the autopay that was set up so that the May payment would not come out. I spoke with a ************* was very helpful (all the staff was very helpful). The manager told me she had to reach out to accounting & a supervisor to start the reimbursement. I didn't hear back from them nor did I receive a refund so I called back 2 weeks later. The manager said no one had looked at my case yet & she would have them put a priority on my case. She acknowledged that it had been 2 weeks since her email to her supervisors. She said she would get back to me but again it has been nearly a month since then & I have yet to receive a refund or a callback. In addition, a May payment came out anyway. I have been patient with Armada & complied on my end but I have yet to hear from them. In the meantime, I have been turned down for credit accounts due to showing an amount in collections for the last several months. This has been damaging towards my credit report & I am asking that I get a refund of what is owed plus any accrued interest & that my credit report be restored of any negative points on my credit score due to their error.

  Business Response

  Date: 05/31/2024

  I appreciate the opportunity to provide feedback on this issue as there appears to be confusion in the communication thus far.

  I have thoroughly reviewed the accounts for ******************** and find that on November 20, 2023, she authorized an automatic payment plan to clear her owing debt of $603.30 at the rate of $50.00 per month on the 1st day of the month beginning December 1, 2023. I've attached that agreement.

  In that approved document, ******************** not only authorized the payments but also acknowledged the balance owing in collection. She also agreed to the terms of revocation which is detailed as 3 days written notice. ******************** did call on April 30, 2024. Her May 1 payment was applied in accordance with the agreement.

  We have since stopped the automatic payment plan.

  A total of $300.00 has been applied to her collection debt by way of her authorized agreement. The total left remaining in collection is $265.26.

  The accounts in this complaint were never subject to credit reporting by Armada. Armada Corp is a Data Furnisher and not a credit reporting agency. 

  I am hopeful that this information clears up this issue. If ******************** has any further questions she is welcome to reach out to me personally at ************.  *********************, VP Operations

  Customer Answer

  Date: 05/31/2024

   
  Complaint: 21765282
  
  I am rejecting this response because: I was told by the Armada staff member (******) that my account had been paid in full on the $603 and I was entitled to a refund. She explained that extra money collected had been applied to accounts that had been previously paid off (also medical accounts). I had not authorized monies to be paid on any other accounts.  I do not accept that I continue to owe on these accounts that I was told were paid in full. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:04/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Armada Corp is attempting to collect a medical debt that is over 6 years old, beyond the legal statue of limitation in ** state. In the 6+ years, I have not been contacted by Armada Corp, due to the the clinics fault in obtaining my wrong address. I have ****** the Status of Limitation claim to Armada onto which it seems they are knowingly pursuing debt beyond status of limitation.

  Business Response

  Date: 04/15/2024

  I have thoroughly reviewed the complaint levied by ****************. He is correct in that the age of the accounts are more than 6 years old. Armada is barred from taking legal action to collect the accounts. It means that he won't be sued to collect this old debt. The debt is still outstanding and presumably due the client. Armada sent the initial validation notice at the time of listing to the address-of-record. There have been 4 letters sent [the most recent to a new address provided by ****************]. None of the previous were returned. Armada also has logged 30 successful telephone outreach attempts. The most recent telephone contact resulted in a conversation with **************** that in-turn resulted in that 4th letter sent at his request. He continues to be afforded the opportunity to seek additional, clarifying information about the alleged debts.

• Initial Complaint

  Date:01/29/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been paying Armada for roughly three years, every month per the agreement. I just so happened to have a lot going on for a few months recently and completely spaced calling them to make my payment. Instead of reaching out, they filed a judgement to tack on more fees. When I called them to straighten things out, they refused to make anything right, despite my obvious effort to pay them and my track record of paying them for YEARS, and said I owed them more money now for the fees. They claimed they had called me but I let them know I never received any calls or voicemails. They basically said the notes said they tried to call, and couldn't actually prove any messages were left (because they weren't). I think I missed two payments in total which caused them to tack on over $300 in additional fees. This was at the very end of October/beginning of November of 2023. I made my first scheduled payment in December, and then again in January. When I called to make my payment in January 2024 they said they couldn't take it because it was in the legal department. I said I was confused because I already talked to them in November and I've been making the payments. She said they mailed me a form to fill out and hadn't received it back. I let her know I didn't receive any form and if I needed to fill something out to please let me know because I didn't want any issues or more fees. Legal was "on break" so they took my payment and said legal would reach out if needed. Never heard back. January 29th I get a judgement in the mail, signed by a judge, dated 1/25/24 stating that I now must pay in full, or be garnished. So despite my communication, and continued payments, they filed a judgement which is now on my credit and record. When I called them, legal was "on break" again and never called me back. I've paid every month, communicated with them, and they filed a judgement, tacked on more fees, and ruined my credit. How can that possibly be legal?

  Business Response

  Date: 01/30/2024

  Thank you for the opportunity to address the complaint levied by *************************. I have thoroughly reviewed the account notes and payment history. I find no material errors in the collection effort and actions taken to collect the debt owed.

  ****************** had been on a consistent payment schedule through June 2023. There was no payment made in July 2023 which was discussed with her in a call August 2, 2023. She indicated that she would make that payment up in September. There was no payment in September or October so a lawsuit was filed. She was served her paperwork on October 24, 2023. In a conversation on October 27, 2023 she was advised of her options for the lawsuit, agreed to review a Stipulated Judgment and made a payment arrangement to begin November 05, 2023. That document was mailed to her address of record and due by November 14, 2023. The document was not returned and no answer to the lawsuit was filed so a Default Judgment was entered. She did make a payment in December and in January and is on track currently with that payment plan. The judgment letter she received was informational for her records. As long as the payment arrangement is met, the judgment will eventually be satisfied without additional court action.

  ************************* alleges that the judgment [public record] has been made part of her credit report. Armada Corp doesn't submit judgment data to the bureaus.

  We welcome to continued opportunity to assist ******************.

  Customer Answer

  Date: 01/30/2024

   
  Complaint: 21218624
  
  I am rejecting this response because:
  

  The information provided back is false. 

  I did miss a payment in July and spoke to my account representative in August. However, we did not make a plan to pay it back in September. He said to try and pay more to pay it back, but made it sound like it was ok to keep making payments. Yes, I missed in September and October which was just an over site on my part, but I was never contacted. If I had been, I would have never reminded and paid right away. As soon as I realized I forgot, I called to pay. When I paid in January I told them I never received the forms and requested that if they needed something from me to please let me know. I never heard back! I informed them I was missing the info and asked them to send it to me if I needed to sign it and they didn't. Instead, they filed it and are now stating I never signed it. This judgement should have never been filed. I STILL have yet to hear back from legal who always seems to be "on break" when I call and never returns messages or calls. Again, I will reiterate that I've been paying on this debt every month FOR YEARS with the exception of one missed (and discussed with my representative and remedied) and two that I spaced, but would have made right if I was just contacted. And did make right as soon as I was reminded. This is just bullying and hurting people for no reason. Fees should be removed and judgement withdrawn. It should also be noted that the business claims the paper was "for my information" however it clearly states that I am required to pay in full now. No where does it say "this is just informational". It's threatening. Bullying. And inappropriate. 

  Sincerely,
  
  *************************

  Customer Answer

  Date: 01/30/2024

  This is the "informational" letter that Armada spoke about. Please show me where this threatening and bullying letter displays any sort of possibility that it's for my information only. How is this in line with the fair debt laws? This was sent while I was already making payments. You'll also notice the date of the letter. I made my January payment on January 4th. It was at that time that I informed them I had not received any papers to sign and if I needed to sign something to please let me know so we could get that figured out. Legal was "on break" and they were going to relay the message. I believe I also expressed my desire to make sure everything was squared away, so that this didn't go further in the courts. They never contacted me back, and instead sent this letter with the judgement dated 1/24 and 1/25. How is that ok? 

  Business Response

  Date: 02/16/2024

  I have again reviewed the file in it's entirety and find no errors in the processing. The lawsuit began because of a break in the payments. Court documents were provided [Summons/Complaint] that is a set of instructions on how to deal with the court case. She didn't file a written Answer denying owing the debt(s) in response to having been served the documents. Without a written response, per the instructions; a judgment was entered with the Court. There are costs that are incurred in seeking the legal remedy of judgment. They have become part of the amount owed. The cover letter she shared herein, is informational. The purpose is to engage and inform the consumer to establish and maintain communication to avoid any additional action.

  She did call. She did make an arrangement. She is current in the arrangement. We expect that the payment arrangement will be maintained and that this case will be closed as satisfied when the balance has been paid in full which includes accrued interest.

  Customer Answer

  Date: 02/16/2024

   
  Complaint: 21218624
  
  I am rejecting this response because:

  Once again, I called as soon as the original paperwork was received and set up the arrangements. At that point I was told I didn't need to file any responses with the court because I had made an arrangement with Armada. I was told no further legal action would happen. 

  I called to make my first payment and was told I had to make it through their legal department. When I questioned they said they had sent me something to sign. I let them know at that time that I had never received it, and if I needed to sign something to prevent further legal precedings to please let me know so I could take care of it. Once again, their legal department was on break, I left a message reiterating that I hadn't received anything to sign and if I needed to do something please let me know. I never received a call back. 

  Several weeks later, I get more paperwork in the mail that the legal proceedings continued. This was completely against what they told me would happen when I spoke with them originally. I had held up my end of the deal, and they didn't. 

  Furthermore, I would like it pointed out where in the letter I received, and attached, it makes any mention or even implies that it is informational. It doesn't. It's language, if it is informational, is completely against debt collection rules as it is harassing, intimidating, and provides false information - "has to be paid in full" or else. No where does it say anything about being informational. The motion should have never gone to the court because I responded to the company and we came to an agreement. If I would have known that my response to them, and our agreement, was not going to prevent the motion from going before a judge or that they wouldn't hold up their portion of it, I would have filed a response to the original petition. They lied to me and told me everything was fine and no further action would happen as long as I made my payments, which I did. Then they moved forward with the motion, and essentially duped me out of being able to defend myself. 

  It should also be mentioned that the date i received the letter, I called the company and once again the legal department was "on break". I left ANOTHER message and STILL haven't received a call back. 

  Sincerely,
  
  *************************

• Initial Complaint

  Date:01/13/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  $155 was put on my credit report I have never been notified of this. My medical center was sold to the ******* clinic and my bill was paid in full with my HSA. I have submitted the documentation to the ******* clinic. They are doing an audit of my file I offered to send the documentation to armada and they said I had to mail it would not let me fax or email to them. I want this off my credit report. This is ridiculous that they are allowed to put this on my credit report when its already been paid armada said they sent me a letter. Well, they mightve but put the wrong ZIP Code so I never received it. The only time I knew I had it was when I looked at my credit report she said when we didnt get any mail back, I said will verify my address and it was wrong. Im not paying for something thats already been paid for and they should not be allowed to put this on your credit report without notifying you they need to have physical knowledge that they have contacted us either by phone or mail they did none of that. Neither did ******* clinic. I am requesting this be taken off of my credit report and researched and a letter sent to me to apologize for the air. They have my correct address, so send me the documentation that you supposedly sent me before or call me because you didnt do that either, this is your MO as you can read from other issues with this company and ******* clinic. They both should be put out of business go after people that have already paid the bill that have insurance and HSA are HRA accounts and you wont even let me submit the documentation to you by email or fax because I know you would say that it got lost in the mail and wed be in this vicious cycle until you could get it. You wont remove it from my credit report.

  Business Response

  Date: 01/18/2023

  A thorough review of the accounts for ************** has been conducted. I find that mail was sent to the address of record with no mail return. Several attempts were also made in telephone contact. Communication was successful from a called placed on 1-11-23 which was returned by ************** wherein she was provided disclosure of Armada being a debt collector, the creditor and the balance owed. Following my own internal review I reached out the client (The ******* Clinic) as ************** contends not only that she paid this bill but that the debt was purchased from a previous facility. This is the response received to my query by A **************** Representative at The ******* Clinic:

  "I reviewed the patient's account; Per review of the account, we have only received one payment in the amount of $181.38 on 07/18/2022 this applied towards the current account balance at the time.    We show she was turned over to collections 3 different times (12/14/2021 $148.05, 01/25/2022 $96.30, 07/12/2022 $90.69) and no payments were received prior to any of these balances cycling to collections.  Patient contacted billing on 04/07/2022 regarding the balance of $90.69, a coding review was submitted.  The medical coder attempted to call her back twice to advise her the coding was correct, and she owed the balance. Therefore, patient was aware this amount was owing at the time of her call.  I also confirmed statements were mailed and we did not receive any returned mail from the post office on her account indicating the address was incorrect. Patient contacted our office on 01/12/2023 advising she paid the balance through her HSA; however, she has not submitted any documents in order for our payment department to investigate if we actually received any of these payments."

  I do have an itemized statement that will be placed 1st class mail to ************** today to validate the debt. We welcome the opportunity to further assist ************** in resolving the issue.

  Customer Answer

  Date: 01/18/2023

   
  Complaint: 18806293
  
  I am rejecting this response because:
  
  Sincerely,
  
  *******************

   

  they havent reviewed all the documents and the change to my address was made when I called in Jan. 2023. They havent sent the bill back to insurance as they stated they would it will be paid in full. I made a payment on Dec 30. 2022 thru their app and I have the payments in the document I sent you the credit collection company and ******* clinic. They are bills for the prior clinic before the took over I do t owe associates in family anything I already checked with ****** they are charging h me for bills that are paid look at all the documents they prove it.  

  Customer Answer

  Date: 01/25/2023

  The documents are already attached to the 1st email 

  Business Response

  Date: 02/01/2023

  Additional clarification has been obtained that finds the following:

  The payment of $181.38 paid on 07/19/2022 through the patient's Mychart account and the insurance payment of $321.79 applied to services on 10/12/2022.   

  I sent the payment information for both the payments ($55.20 & $100.00) to ********** of ****** Medicine to determine if these were applied to older balances, she carried with them prior to the merger.  Confirmation from ********** in family Medicine that the payment information provided by the patient was paid directly to them for services prior to the merger with the ******* Clinic.  They advised that they sent a copy of the payments received by the patient to her on 01/19/2023.   

  The balance in collections is accurate as it was never paid. 

  We will be happy to assist the consumer in a final resolve of the issue if she will engage us directly.

  Customer Answer

  Date: 02/08/2023

   
  Complaint: 18806293
  
  I am rejecting this response because:
  
  Sincerely,
  
  *******************

   

  i just paid $335.04 to ******* clinic please remove from my credit  report. I will never go to ******* clinic again . I would like a letter stating it has been removed from my credit report emailed or mailed to me adap

  Business Response

  Date: 02/14/2023

  A payment made directly to the client has been reported and processed in the $335.04 amount as stated. With regard to removing the item from the credit report; when the complaint was levied a request was made to the credit reporting agencies to delete for the dispute. A copy of that ************** Form will be mailed today. Armada controls only the request for removal. We have no control over the timeline in place by the credit reporting agencies for the actual update.

  Customer Answer

  Date: 02/17/2023

   
  Complaint: 18806293
  
  I am rejecting this response because:
  
  Sincerely,
  
  *******************

  this debt is paid in full and I want it removed from your company completely and a letter sent to me reflecting this it shows on my credit report as $105.00 still owing. *** the supervisor at ******* clinic said she called your company and asked it to be removed from your company and no fees to be charged to me. 
  thank you