Complaints

• Initial Complaint

  08/08/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  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

  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

  05/27/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  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

  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 response

  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

  04/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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

  01/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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 response

  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 response

  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

  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 response

  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

  01/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  $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

  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 response

  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 response

  01/25/2023

  The documents are already attached to the 1st email 

  Business response

  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 response

  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

  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 response

  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 

   

• Initial Complaint

  12/20/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  ****** in December of 2022. I called them after the first transaction and said I wouldnt be able to pay two times in one month and was told it would be resolved and it wasnt so now I may overdraft my account.

  Business response

  12/21/2022

  It does appear that a payment was credited to the consumer account on 12-5-22. I confirmed a conversation on 12-9-22 about the pending payment for 12-20-22. That payment has spooled for processing in error and is currently pending. I have made a request to reverse that pending transaction. If ******************** incurs an overdraft charge she need only provide the documentation and we will make that right.

• Initial Complaint

  10/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My account with Armada was apparently opened 3/14/17 involving The ******* clinic. (To which I was actually making payments to but it wasnt enough monthly so they turned me over to collections) I only know of the date this account was opened because its listed on my credit. May 2017 (2 Months later) my credit bureau sent an alert of a derogatory account added. I never once got a letter by mail from Armada, to which they are obligated to allow me 30 days to pay or dispute the account prior to reporting it on my credit. I never received that. IF I got any phone call, no messages ever were left and didnt show up on my phone. I then wrote a letter to resolve my account by settlement. I heard nothing. I did eventually get a phone call not to settle but to set up a payment arrangement. The amount now owed was $1000+ more than the amount reported because of interest. I set it up for $50 a month, however i soon noticed that that didnt bring my balance down but rather raised the amount because it wasnt enough to cover the interest. So I changed it to $100 per month. I have now paid from over $4000 down to $1831.00. I got a call the other day (Oct 2022) saying my payment didnt go through. I have same payment method, money to cover it. My bank did not reject it either. As of today, they have charged me an extra $14 in interest because Sept payment didnt go through and added that to my credit report. I did nothing wrong on my end and now I have to pay more. So now its reported on my credit as owing $1845. This is not fair. They said that if Octobers payment doesnt go through, they will call me again. There is no reason for the payment to not go through, yet Im punished. Ive paid on time for all these years. I wish I couldve had the opportunity to settle this at the beginning before reporting it to the credit bureaus. What I would really like is to settle this for a smaller amount and get it off my credit and be done with it all.

  Business response

  10/19/2022

  I have thouroughly reviewed the issues brought forward by **************. The account was listed for collection on 3-14-17. At that time, as is required; a notice was mailed to the address of record. There was no mail return so delievery is presumed. Several attempts to contact ************** by telephone have been made over the course of time. Letters have also been mailed to **************. Never has there been mail returned. A letter was received 9-25-17 from Ms. *********** explaining her then-circumstances. Notably, on 3-15-19 and 3-21-19 ************** disputed the charges on her credit report with the Credit Reporting ******* (CRA). As is required, research was conducted by Armada Corp and the debts or information verified back through the **** There has been cross-communication by mail until a telephone cnvresation 11-27-19 wherein the then-balance of $4194.58 ws provided. A payment plan began that ran as scheduled until 7-22-20 when she requested an increased payment amount for the $4027.70 balance at the time. That payment plan ran as scheduled until the card on file expired. We have no active card on file at this time. The last payment posted in August 2022. The current balance is $1898.16. Interest does accrue on the unpaid principal balance of accounts at 9%/annum. This account has been dealt with in accordance with the rules and regulations that govern debt collection. I find no material errors in the processes. If ************** wants to continue to pay the balance, she will need to make contact and update the record with a valid/current form of payment. We look forward to assisting her in taking care of this just-balance.

• Initial Complaint

  10/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Your company is reporting an inaccurate and erroneos account that is already paid in full. According to ACA Effective July 1, 2022, the CRA's will no longer include on consumers' credit reports any medical debt that has been paid in full after being sent to collections. How many time should I tell you that I am unfamiliar with this account. Information regarding this account fails to report accurately and completely, I do not see the monthly payment, terms, credit limit, past due amount, date of last payment, date of first delinquency and date closed. Also, you must provide me proof that they have my consent to report my medical information in accordance with HIPPA laws. If your agency is unable to do so, I demand that this account be removed from my credit report. I am asking your company to please stop reporting incorrect information as it severely affects my scores.

  Business response

  10/14/2022

  I have thouroughly reviewed the accounts with regard to the dispute levied by ******************. I found no evidence to support the allegations of improper collection action that were made by ******************. There is also no indication provided from the client (business) that any payments had been made to clear the disputed balances. An update was submitted to the Credit ****************** to delete the items for the dispute levied. Although Armada makes the request, the timeline for the update is that of the *** and Armada has no control over the timeline. The accounts have been canceled back to the original client for Discharge.

  The AUD Control Numbers (for the ***) are 110749313 and 110749284. They may be helpful if a request is made of the *** with regard to their update by *******************

  I sincerely hope this information is helpful.

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

• Initial Complaint

  03/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On MArch 4th, Armada Corp. reported a debt collection to my credit report. To give a little background, in October of 2021, I set up a payment plan to resolve the debt to my name. It was made clear over the phone that they would not report the collection to the credit bureau. Fast forward to March 4th and I relived there was a 32 point decrease to my credit score due to Armada. In addition, I was told originally that I would owe around $196.15 but when I fayed the full balance off it amounted to more than that. I called the ********* location and spoke to someone who had been working for over 15 years in the business. She told me that it is policy for them to not only inform you EXACLTY how much you owe them (including interest and fees) but also that they are required to let you know that if the debt isn't paid of within 180 days, they would report it to the credit bureau. This shocked me as my agent (*****) at the ******** location never voiced these things to me upon initially calling. Further, I decided to call ***** and speak with her personally. To cover the bases on this phone call she told me "well you didn't ask about credit reporting so I didn't tell you" which isn't only utterly incorrect, but also she was SUPPOSED to tell me and didn't simple because she didn't want to. Additionally, when I confronted her about charging me over the originally agreed upon amount, she said "Yeah sorry our computer isn't smart enough to calculate interest so that's why the statement doesn't display it". Considering how long this company has been in business, I find it hard to believe that it was at the fault of their computer system and not her instead. There are multiple phone calls and each are recorded with the information she told me. If any reference needs to be made to my claims, they can provide you with phone call transcripts.I am requesting a correction to my credit report for ***** failing to notify my ahead of time before reporting it.

  Business response

  03/10/2022

  I have thoroughly revieved the account information as it pertains to the complaint. I find that the payment plan was set up on 9-23-21 [approved electronically by ******************** at 2:42:54 pm]. The balance of that payment plan was $196.15. In setting up that payment plan ******************** was provided a passcode wherein she was able to log into our electronic system to conduct the authorization. She noted that there is a FAQ about credit reporting in the site. That was the only time "credit reporting" was mentioned until March 4, 2022 when she made telephone contact with staff. She tendered payment in full of the-then balance $102.04 on March 7, 2022. The timeline crossed for a regular payment [that original payment plan] to pull on March 8, 2022 which was promptly refunded to her. It is a normal business function to report all accounts that have paid in full during the month to the Credit ****************** with month-close for deletion. Although I find no material errors in the processing of ************************ account, I can certainly understand the confusion over credit reporting as a whole. I have processed a seperate request for the update to be done now. It is important to understand that although we do make the request for the update, the timeline and actual update are out of our control at it rests with the Credit ******************. We believe the update will be prompt but we have seen it take as many as 90 days. If ******************** would like to contact me directly, I would be happy to provide her the Authorization Code for the update to the Bureaus. I can be reached by telephone at ************.

  Customer response

  03/11/2022

   
  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. ↩