11527093
|
2025-01-12
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-14
|
|
11150434
|
2024-12-13
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2024-12-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-15
|
|
6015152
|
2022-09-26
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Collected or attempted to collect exempt funds
|
Sub Product |
Credit card debt
|
Date Received |
2022-09-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-09-26
|
Complaint What Happened |
ARS national services inc is still continuing to collect debts from a person that is exempt from there debt collection CFPB Case No. XXXX, XXXX they were given this notice This will serve as your legal notice under the provisions of federal and state law, the Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ), to cease and desist all communication and collections with me in regard to the debt referenced above. they are voilating the cease and desist of all communication and collections with me in regard to the all debts they will be sued under the he Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ) if they continuing to try and collect any and all debts from XXXX bank XXXX national services inc can not contact me any more for any debts I am exempt from there debt collection which they do know that I am but keeps triyng to collect on other debts that are exempt from there debt collection ARS national services inc already knows that I am exempt from debt collection why do they keep trying to collect
|
Consumer Consent Provided |
Consent provided
|
|
4785043
|
2021-10-06
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
I do not know
|
Date Received |
2021-10-06
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-10-06
|
Consumer Consent Provided |
N/A
|
|
4705097
|
2021-09-09
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other debt
|
Date Received |
2021-09-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-09-09
|
Complaint What Happened |
Collection agency contacts my phone multiple times daily from different spoofed numbers. Today, an agent called my phone, left a voicemail, then proceeded to call my wife 's phone. On that call, the agent disclosed private information before verifying they were, in fact, speaking to a right party. As a debt collector myself, I know it is a violation of the Fair Debt Collection Practices Act to disclose information to ANY party before first verifying that they are speaking to the right party by confirming one private information ( such as date of birth or last four of social security number ) and/or a second piece of private or one piece of public information ( i.e. address or phone number ). They are then required to inform that it is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also, in the state of NY, they are also required to inform spouses that, although a spouse can discuss their spouses debt, the spouse is not personally liable for said debt. None of these actions were taken on the call to my wife on XX/XX/21. The person asked if they were speaking to my wife by first name only, then proceeded to state that they were looking for me and that they wanted me to call them about a debt to discuss a settlement option before they took legal action. The same company then called my phone minutes later leaving their standard voicemail. The woman then called my parents phone looking for me. Four calls within an hour is definitely harassment according to the FDCPA.
|
Consumer Consent Provided |
Consent provided
|
|
4612475
|
2021-08-08
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2021-08-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-08-08
|
Consumer Consent Provided |
Consent not provided
|
|
10776051
|
2024-11-12
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2024-11-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-14
|
Consumer Consent Provided |
Consent not provided
|
|
3995962
|
2020-12-07
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Credit card debt
|
Date Received |
2020-12-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-07
|
Consumer Consent Provided |
Consent not provided
|
|
3889210
|
2020-10-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Credit card debt
|
Date Received |
2020-10-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-10-08
|
Complaint What Happened |
I received a telephone message on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX ( see attached voicemail transcripts by my phone carrier ). I returned the initial call at XXXX XXXX and left a message for XXXX XXXX at XXXX.
On the following day, XX/XX/XXXX, I called again and spoke with XXXX XXXX XXXX who identified herself as being from XXXX XXXX in North Carolina. XXXX XXXX XXXX stated that they have offices in many places. ) She stated that I had an outstanding balance with XXXX of {$7100.00} and she was prepared to offer me pandemic relief for half the amount {$3500.00} as a settlement of this debt.
I explained that I did not owe this debt and had in fact settled this {$7100.00} XXXX debt via another agency, ARS National Services, in XXXX. She advised me to send documentation of payment to XXXX, which I forwarded on XXXX XXXX on XX/XX/XXXX. ( I initially sent this to the wrong email address : XXXX. When I received a notice from my email carrier stating this was not deliverable, I forwarded the email to the correct address. ) I spoke with XXXX XXXX of XXXX XXXX at XXXX again today XX/XX/XXXX at XXXX XXXX in response to her voicemail message at XXXX XXXX. ( She initially provided a different number XXXX. ) She stated that the documents from ARS did not state paid in full, and that the account to which XXXX alleges is in question is XXXX for {$7100.00}. This is the EXACT AMOUNT referenced under ARS account number XXXX.
Firstly, I notified XXXX XXXX that I did not receive notification of this alleged issue in writing of and she replied, things are different these days. Further, I requested a validation letter substantiating this alleged debt. XXXX XXXX indicated that this this would have to come from another unspecified entity ( To to me, meant that they were not the party responsible for this and I believe that this is incorrect ).
XXXX XXXX stated that she will mark the file as disputed and stated that I should take my documents to court.
As I had only ONE XXXX XXXX, I believe that XXXX XXXX is attempting to collect a debt that was resolved in XXXX by another agency, ARS National Services. ( In addition, I believe that the statute of limitations may also be a factor, since this matter is now over 8 years old. That being said, I am sure that this debt was already paid. ) I provided the following documentation to XXXX XXXX and am attaching them herewith : ( A ) Statement from ARS Natonal Services , Inc. which indicates the amount owed of {$7100.00}. ARS Natonal Services offered several payment options, to resolve this delinquent account. I chose payment plan number 3 for three separate payments of {$1600.00} to settle my account due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
( B ) Three bank statements which indicates three withdrawals drawn on my bank on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All were automatic deductions from my account.
In addition, I am attaching herewith copies of phone messages left for me on my voicemail and transcribed by my phone carrier, two of them threaten legal action.
|
Consumer Consent Provided |
Consent provided
|
|
8338808
|
2024-02-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Credit card debt
|
Date Received |
2024-02-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-13
|
Consumer Consent Provided |
Consent not provided
|
|
3059317
|
2018-10-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Credit card debt
|
Date Received |
2018-10-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-10-29
|
Complaint What Happened |
Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up
|
Consumer Consent Provided |
Consent provided
|
|
1219328
|
2015-01-31
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
No
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Credit card
|
Date Received |
2015-01-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-01-31
|
Consumer Consent Provided |
N/A
|
|
1879569
|
2016-04-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was discharged in bankruptcy
|
Sub Product |
Credit card
|
Date Received |
2016-04-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-15
|
Complaint What Happened |
ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money.
Now I 'm trying to rebuild my credit.
|
Consumer Consent Provided |
Consent provided
|
|
1167420
|
2014-12-22
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-12-22
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-12-29
|
Consumer Consent Provided |
N/A
|
|
10154420
|
2024-09-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2024-09-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-09-17
|
Consumer Consent Provided |
Consent not provided
|
|
1107337
|
2014-11-07
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Contacted employer after asked not to
|
Sub Product |
I do not know
|
Date Received |
2014-11-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-11-07
|
Consumer Consent Provided |
N/A
|
|
840765
|
2014-05-06
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
I do not know
|
Date Received |
2014-05-06
|
Submitted Via |
Referral
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-05-09
|
Consumer Consent Provided |
N/A
|
|
1407900
|
2015-06-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was discharged in bankruptcy
|
Sub Product |
Credit card
|
Date Received |
2015-06-05
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-06-11
|
Consumer Consent Provided |
N/A
|
|
2737716
|
2017-11-25
|
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 |
No
|
Company |
ARS National Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Problem with personal statement of dispute
|
Sub Product |
Credit reporting
|
Date Received |
2017-11-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-11-25
|
Complaint What Happened |
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX.
I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score.
I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX.
In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance.
XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week.
XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
|
Consumer Consent Provided |
Consent provided
|
|
3392990
|
2019-10-02
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2019-10-02
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-10-02
|
Consumer Consent Provided |
N/A
|
|
2902329
|
2018-05-10
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2018-05-10
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-10
|
Consumer Consent Provided |
N/A
|
|
10414039
|
2024-10-10
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2024-10-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-10
|
Consumer Consent Provided |
Consent not provided
|
|
6993748
|
2023-05-18
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2023-05-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-05-18
|
Consumer Consent Provided |
Consent not provided
|
|
3144326
|
2019-02-06
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2019-02-06
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-02-06
|
Consumer Consent Provided |
N/A
|
|
1552566
|
2015-09-04
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-09-04
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-09-14
|
Consumer Consent Provided |
N/A
|
|
7736868
|
2023-10-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2023-10-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-10-21
|
Consumer Consent Provided |
Consent not provided
|
|
7023241
|
2023-05-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
I do not know
|
Date Received |
2023-05-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-05-24
|
Consumer Consent Provided |
Consent not provided
|
|
4573147
|
2021-07-26
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2021-07-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-07-26
|
Complaint What Happened |
Debt Collector is trying to collect on a debt that i do not owe.
|
Consumer Consent Provided |
Consent provided
|
|
7536242
|
2023-09-13
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
ARS National Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
You told them to stop contacting you, but they keep trying
|
Sub Product |
Credit card debt
|
Date Received |
2023-09-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-09-13
|
Complaint What Happened |
My complaint is that ARS National Services Inc there address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX phone is XXXX XXXX the collection agency is constantly harassing me for a very old credit card store debt that's over the statue of limitations their abusing their power by calling me I tape these calls for evidence
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Consumer Consent Provided |
Consent provided
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2400883
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2017-03-23
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Cont'd attempts collect debt not owed
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Debt collection
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Issue |
Cont'd attempts collect debt not owed
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Timely |
Yes
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Company |
ARS National Services, Inc.
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Product |
Debt collection
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Sub Issue |
Debt was paid
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Sub Product |
Credit card
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Date Received |
2017-03-23
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Submitted Via |
Postal mail
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Company Response |
Closed with explanation
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Consumer Disputed |
No
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Date Sent To Company |
2017-03-23
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Consumer Consent Provided |
N/A
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1946366
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2016-05-30
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Improper contact or sharing of info
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Debt collection
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Issue |
Improper contact or sharing of info
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Timely |
Yes
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Company |
ARS National Services, Inc.
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Product |
Debt collection
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Sub Issue |
Contacted employer after asked not to
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Sub Product |
Credit card
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Date Received |
2016-05-30
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Submitted Via |
Web
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Company Response |
Closed with explanation
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Consumer Disputed |
No
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Date Sent To Company |
2016-07-12
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Consumer Consent Provided |
Consent not provided
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