|
10307971
|
2024-10-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-10-01
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Consumer Consent Provided |
N/A
|
|
|
6172160
|
2022-11-05
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5614494
|
2022-05-31
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-13
|
| Complaint What Happened |
I was serviced noticed of an attempt to collect a medical debt from Advance Recovery System. I made several attempts to request validation of this debt with no response from creditor. I respectfully requested that Advance Recovery System provide me with competent evidence that I have a legal obligation to pay Advance Recovery Systems.
After i did not received information i reached out to CFPB on XXXX complaint XXXX. I received notification that the collection was removed from all credit bureaus. I called CFPB to have the complaint removed on XXXX. On XXXX the collection is back on my XXXX report and Advance Recovery have yet to validate this debt.
This has caused a tremendous impact on my credit rating.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4916119
|
2021-11-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-02
|
| Complaint What Happened |
This is a complaint about being billed for debt that I do not owe. Bills were constantly sent to me via mail about a debt being owe to XXXX XXXX XXXX which should have been billed to the job XXXX XXXX XXXX XXXX claim/file number XXXX. Due to them not hearing from me they assumed the debt was valid and reported this inaccurate information to my credit report without doing proper investigation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2865159
|
2018-04-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2018-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-04
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Complaint What Happened |
XXXX XXXX has made several calls to my place of employment even after I left her a voicemail asking her not to do so and to call my personal cell phone. I called to make a payment and she never returned my call. She is a rude person and a bane to humanity.
|
| Consumer Consent Provided |
Consent provided
|
|
|
973397
|
2014-08-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2014-08-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-07
|
| Consumer Consent Provided |
N/A
|
|
|
845819
|
2014-05-09
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Medical
|
| Date Received |
2014-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-09
|
| Consumer Consent Provided |
N/A
|
|
|
541902
|
2013-09-25
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me after I asked not to
|
| Sub Product |
Medical
|
| Date Received |
2013-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-05
|
| Consumer Consent Provided |
N/A
|
|
|
1622409
|
2015-10-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2015-10-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-23
|
| Complaint What Happened |
As of XXXX, XXXX has been my Primary source of Healthcoverage.
Prior to this date, I 'd never needed nor wanted either the State nor Federal Government to be of assistance. Due to the fact I was ( am ) a XXXX, I 'd taken pride of my accomplishments and achieved goals. I was very financially independent. I paid ALL my bills before their due dates, an individual ( conventional loan @ lowest APR ) homeowner, vehicle owner ( paid off after 60 months with the lowest possible APR ). Literally, I 'd achieved the proverbial " American Dream '' as a young adult, then young middle aged woman.
Then, this happened : I 'd lived in XXXX XXXX, XXXX for XXXX wonderful years, until the Nation 's largest Natural Disaster of the Century, XXXX XXXX, came bustling through with her winds figuratively knocking me to my knees. I, like true survivors do, brushed the dirt off and pulled my buit straps up for the sake of my life as a single mother of XXXX. NO! I was not a XXXX " Victim '' looking for free handouts from every benevolent social or governmental source. I was even a donator of my time and whatever resources I had then, and distributed them to the REAL victims, the citizens of XXXX XXXX seeking immediate relief at the 'Triage ' Center set up at the XXXX State Fair Grounds in XXXX XXXX .
Enough of sounding like the Martyred Saint. I, as most humans do, end up making poor choices with no regard to the foreseeable consequences. Indeed, what choices I were making, I truly had my family 's best interest at heart. Unfortunately, they always were n't. And I 've dutifully taken responsibility for any consequences I brought on myself. Obviously, poor financial decisions becomes one of them when their flying around like a chicken with their head cut off by scrambling to figure how to make ends meet ( all legal, of course ) It 's hard, it 's tough, and self-defeating actions occur when one believes they 've hit their personal rock bottom.
In the lowing wake of XXXX, I made the snap irrational decision to put my home for sale, bc the real estate value rocketed due to SO many displaced citizens searching to buy. I uprooted my single mother of XXXX life, and moved to XXXX in order to be closer to family. Almost immediately following, I met and married a man I barely even knew XX/XX/XXXX. The rest speaks for itself, the financial crumbling ruins of ALL I 'd worked so tenaciously to achieve. He soon became a XXXX on every level imaginable. He stole from my banking account, never allowed me on his all resulting in XXXX, XXXX, XXXX, XXXX, XXXX. And, I had n't a shred of evidence to prove otherwise. To wrap it up, I fled with my daughter with only the clothes on our back to the closest XXXX. I 've since, been fighting my way back up for the last three and one half years. My now, XXXX year old, amazing daughter and I are recovering happily on every level. However, financial decisions are n't up to her as a XXXX. I 'm doing all I can to tame the ominous credit vipers in order to get FULLY back on my feet again financially which is near impossible with such a low poor credit score. All my medical bills are certainly going to be disputed and their collection agencies, to their attorney 's fees, because I 've by the grace of those TRULY in need,! have been covered under XXXX which is now called " XXXX XXXX XXXX '' - XXXX XXXX. Sorry to sound melodramatic of it all, bc I ca n't stand melodrama myself. But, I need financial help and advising immediately. Thank you so much, in advance for all you 're able to do.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7788359
|
2023-11-01
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Sued you in a state where you do not live or did not sign for the debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-02
|
| Complaint What Happened |
I did not receive any information regarding owing the original creditor or collection agency. I receive so many Robo calls I'm unsure if at some point if that is how they attempted to contact me. I had XXXX in TN but paid upfront for the cost. I received notification that I was being sued by the collection agency in the state of XXXX where I reside. This particular collection is also not listed on my credit report so I did not know this was something I needed to handle. They are staring that I am accruing interest daily and I am struggling with inflation and XXXX kids already. Please assist on how I can handle this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5669118
|
2022-06-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2578749
|
2017-07-18
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Medical debt
|
| Date Received |
2017-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1791500
|
2016-02-17
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Medical
|
| Date Received |
2016-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1467235
|
2015-07-14
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Medical
|
| Date Received |
2015-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
968030
|
2014-08-04
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2014-08-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-06
|
| Consumer Consent Provided |
N/A
|
|
|
1161175
|
2014-12-17
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Sued where didn't live/sign for debt
|
| Sub Product |
Medical
|
| Date Received |
2014-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-19
|
| Consumer Consent Provided |
N/A
|
|
|
3798094
|
2020-08-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2020-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-25
|
| Complaint What Happened |
The company I am filing a complaint against is ARS Collections ( Advance Recovery System ). I received a letter from ARS collections on Thursday XX/XX/2020 with the intention of collecting a debt that I am not responsible for. On Friday, XX/XX/2020 I contacted ARS collection and spoke to a representative. I explain that this is not my debt and it was sent in as if I accumulated the debt. He said there wasn't anything they could do, they just go by what was sent in to them. I would have to talk to XXXX XXXX XXXX XXXX. I asked to speak to a higher authority, left a name and number, but hasn't received a return call as of yet. The Nursing Facility " XXXX XXXX XXXX XXXX XXXX took my mom in under false pretense. Her attending Physician recommended that she go to this facility for 90-100 days of swing bed care. They tried to sign her up for long time nursing home. When we were suddenly aware that they was not providing swing bed care we took her out. The administrator told me that since I was taking her out that I was going to have to pay the bill. Being very vindictive, she said that I was going to have to pay the bill or she will garnish my check. She sent unofficial statements twice a month with handwritten messages. Finally she sent my name to the collection agency as if this was a debt accumulated by me. Now ARS is jeopardizing my credit with my mother 's bill which was suppose to be taken care of by Medicaid and Medicare. the statement from ARS is in my name, with my addres and the bill is {$9100.00}. The attachments clearly shows that these are not my bills. I am not my mother 's power of attorney and I am not responsible for her bills.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5282934
|
2022-03-03
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4592955
|
2021-08-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-01
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX Floowood XXXX XXXX Sirs or Madam, I sent a debt validation letter x2 on the following dates XX/XX/2021, and XX/XX/2021 each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please cease all collections activities immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5614441
|
2022-05-31
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2022-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6593770
|
2023-02-21
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2023-02-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-22
|
| Complaint What Happened |
I received a letter from Advanced Recovery Systems on XX/XX/XXXX of XXXX about a medical debt with a balance of {$130.00}. I responded by mail on XX/XX/XXXX requesting they provide me with the amount and age of the debt, a copy of the last billing statement sent to me by the provider, the amount of the debt when they obtained it, and when that was, any fees associated with the account, any payments made to the account, and to tell me when the creditor claims this debt became due and when it became delinquent. I received a response from Advanced Recovery Systems on XX/XX/XXXX of XXXX and that included a copy of a statement, which was never sent to me, dated XX/XX/XXXX with an incorrect balance of {$110.00}, a copy of the letter I sent to ARS, a form from the provider and a letter from ARS, signed by XXXX XXXX, that says Dear consumer, Attached is the verification you requested. Should you have further questions feel free to contact me as noted below. I never received any of the other information that I requested. The contact information listed on the letter included Advanced Recovery Systems address, phone number and XXXX email address. I sent an email to XXXX on XX/XX/XXXX of XXXX and let him know that I received the response to my request for verification but that the information provided was still incorrect and to please continue to treat the debt as in dispute and under discussion until resolved. I never received a response to that email or any other communication from ARS after that. I was looking at my credit the other day and noticed that I have a collections account from ARS that was reported XX/XX/XXXX. The date of first delinquency is listed as XX/XX/XXXX and that is false because my appointment was that exact day and I would not have even received a bill by then. I disputed the account on the credit bureaus website but they claim that it was reported correctly, this account is still on my credit report with false information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5269471
|
2022-02-28
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2022-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5139334
|
2022-01-23
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-23
|
| Complaint What Happened |
XXXX and Advanced Recovery system has majorly violated my credit report by reporting this inaccurate account.
This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment.
They have also re-aged the date of last activity which should reflect the last date a payment was made.
Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated
|
| Consumer Consent Provided |
Consent provided
|
|
|
3298373
|
2019-07-07
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2019-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5301470
|
2022-03-09
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-09
|
| Complaint What Happened |
In XXXX, I was transferred to XXXX XXXX Hospital in XXXX, MS from another hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX insurance at the time. I gave all my insurance information. My insurance was filed, and XXXX paid XXXX XXXX. Later XXXX resended the payment stating out of network. When it is an emergency XXXX, I was told you couldnt do that. Fast forward. XXXX XXXX sent bills to an old address. I was not notified of this until XXXX. I was notified by Advanced Recovery Systems in XXXX, MS. XXXX was the man who called. He stated that I had received a check from XXXX for XXXX. I stated to him I didnt know what he was referring to I had not received any check from XXXX . He was very ugly, and hung up. Fast forward to XX/XX/XXXX. While at work, I was served a garnishment in the amount XXXX. It was served by XXXX Law Firm in XXXX, MS. Advanced Recovery Collections had turned it over. I called Advanced REcovery, and spoke with XXXX. He stated to me that by law XXXX XXXX had to write the balance off since it was an emergency XXXX. He stated to me that he would accept the write off, but I needed to pay them XXXX in fees. He stated that if I could not pay off the XXXX in full the garnishment would be for the full amount of XXXX even the XXXX XXXX that has been written off. I have been having my check deducted since XX/XX/XXXX. I have paid XXXX to them. I do not believe this is legal. Please help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5127911
|
2022-01-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2022-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-20
|
| Complaint What Happened |
Received a debt collection letter from Advanced Recovery Systems on on XX/XX/2021 .I sent Advanced Recovery Systems a debt validation letter on XX/XX/2021 requesting for them to validate the debt because in the letter the sent me it said that I owed them {$100.00} on multiple accounts and I didnt know what accounts they were referring to. They never replied to my request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3262783
|
2019-06-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Sued you in a state where you do not live or did not sign for the debt
|
| Sub Product |
Medical debt
|
| Date Received |
2019-06-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-03
|
| Complaint What Happened |
Advanced Recovery Systems, whose address is XXXX. XXXX XXXX XXXX, MS XXXX, sued me for medical debt in XXXX County Justice Court. I showed to the hearing and cited improper venue because the FDCPA states that the suit against a debtor is to be brought in the county where the debtor presently resides or the county where the contract was signed. I am a resident of XXXX County in the State of Mississippi and was when I received the healthcare service from the original medical providers. The medical providers are all entities located in XXXX County. ARS is a debt collector and they bundled 4 independent assignments from 3 different entities into one lawsuit. I never received the demand letter from the attorney of record, XXXX XXXX XXXX XXXX, representing ARS because it went to the county that the suit was filed. ARS, debt collector, clearly violated my rights under the FDCPA and due process rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4011065
|
2020-12-14
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2020-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3353317
|
2019-08-25
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2019-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-27
|
| Complaint What Happened |
After a purchase was made XXXX XXXX furniture in XXXX ms a XXXX XXXX Franchise. From the beginning I had problems with a couch that was defective. They refused to make it right and take care of the order was not right and it had defects in couch was corded and waves in right arm, they stated it would cost them to much to send back to manufacture to fix.
I contacted them several times in Regard and sent there managers XXXX photos showing the flaws and he Looked at them and seen the problem but he never fix it or called back to make it right and XXXX stayed they would not pick up the couch and they never did left the couch and never picked it up. The bank that finance the couch agree that they sold me a bad couch so they decided to make it right and reverse XXXX XXXX on the disputed e XXXX XXXX they decided that they get the amount me even after they had time to dispute it. So they turned it over to advance recovery services of XXXX Mississippi. This is not right and should not have to pay for something that was not correct.
|
| Consumer Consent Provided |
Consent provided
|
|
|
968468
|
2014-08-05
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical
|
| Date Received |
2014-08-05
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
5498287
|
2022-04-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Advanced Recovery Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2022-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-26
|
| Consumer Consent Provided |
Consent not provided
|
|
