|
2078512
|
2016-08-25
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-25
|
| Complaint What Happened |
A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2082378
|
2016-08-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-26
|
| Complaint What Happened |
I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said " I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying " I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?
|
| Consumer Consent Provided |
Consent provided
|
|
|
1895903
|
2016-04-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2016-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-25
|
| Complaint What Happened |
i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you
|
| Consumer Consent Provided |
Consent provided
|
|
|
1586750
|
2015-09-30
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2015-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-30
|
| Complaint What Happened |
Received a phone call last month from XXXX XXXX on XXXX/XXXX/15 from ARA ( Asset Recovery Assoc ), he called my home and spoke to a gentleman and before the phone call was over he called the man at my house a " bone head ''. The person at home called me and was very upset that this unknown agency called my home phone for me and was that rude. So I called XXXX back and he was very RUDE. He did n't want to talk about how he was rude to the person at my home all he would say was he was threatening to file a judgement against me for an old account that is 15 years old ( or older ). The threat of a judgement frightened me cause I want to move and do n't want any negative information on my credit report. He told me that I have good credit ( how could he access my credit report? ). So I wanted to address the issue of him being rude when he called my home first off, that 's when XXXX went on to say well I see you do n't want to pay this bill so I will go forward with this judgement ( with a nasty attitude ). So I asked to speak to his supervisor because he was being so rude. So he put XXXX XXXX ( who claims to be a supervisor ) on the phone and XXXX said I have a {$1700.00} balance on a particular account that needs to be settled and that I can settle it today ( for {$800.00} ) and I said I do n't have that kind of money so he insisted on a payment which I paid {$100.00} on XXXX/XXXX/15 so he said I have until the end of the month to pay another {$700.00} to settle this account and I said I do n't know if I 'm going to have it so he said I will give you until XX/XX/XXXX to pay the {$700.00} if you do n't have it I will give you until XX/XX/XXXX to pay a total of {$1000.00} to settle the account but by XX/XX/XXXX. you have to make another {$350.00} payment so I did make that on XXXX/XXXX/15. So that left I had another {$550.00} to pay by the end of the month. Before that initial phone call I had never heard of ARA nor had they ever sent me any letters for collection and they have never showed me proof of the account that they are collecting for. I called the creditor that I owe today to find out about that account and it 's not in their system and I 'm not surprised cause that was over 15 years ago. I called XXXX and was advised to cancel the {$550.00} check ( which I did cancel it ) and investigate and request further information from ARA about the account they are trying to collect from me. And the XXXX referred me to FTC to file a complaint. Everytime I speak to XXXX he 's threatening me with a judgement if I do n't settle this account ASAP and he wont ' accept anything other than a settlement. I 'm a mother with XXXX kids and I do n't need to be threatened by an agency trying to collect on an account that 's 15 years old. They have collected from me {$450.00}. I called XXXX and they have a " XXXX '' rating with lots of complaints. Can you please direct me as to how to stop them from calling me and trying to collect on an account that 's 15 years old. Thanks
|
| Consumer Consent Provided |
Consent provided
|
|
|
886974
|
2014-06-09
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me instead of my attorney
|
| Sub Product |
Credit card
|
| Date Received |
2014-06-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-06-18
|
| Consumer Consent Provided |
N/A
|
|
|
1455509
|
2015-07-07
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Credit card
|
| Date Received |
2015-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-15
|
| Complaint What Happened |
Ara financial at XXXX is using tactics to try and trick you into opening up a debt after SOL has passed and all the above
|
| Consumer Consent Provided |
Consent provided
|
|
|
830807
|
2014-04-29
|
Communication tactics
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-04-29
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-02
|
| Consumer Consent Provided |
N/A
|
|
|
3359812
|
2019-09-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-09-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-05
|
| Complaint What Happened |
I was contacted by a debt collector named XXXX XXXX from ARA Asset Recovery in XXXX XXXX IL. He said they were trying to collect a credit card debt from XXXX XXXX that was about 15 years old. I made a one time payment to him of {$130.00}. They then sent me two " agreements '' with 2 different amounts due. I did not agree to this but they sent them anyway and kept calling me. These " agreements '' were very confusing and upsetting. I did not enter into any " agreement '' and told them I needed to get more information. I do not owe this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1212465
|
2015-01-27
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2015-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-27
|
| Consumer Consent Provided |
N/A
|
|
|
2421603
|
2017-04-05
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2017-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-06
|
| Complaint What Happened |
On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX.
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer.
I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past.
I find this companies tactics disturbing to say the least.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4215408
|
2021-03-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-24
|
| Complaint What Happened |
XX/XX/XXXX I was contacted by a XXXX XXXX at XXXX who claimed that I had a credit card with XXXXXXXX XXXX in XXXX that had a balance of {$470.00} but has accrued over {$1000.00} in interest. I have never even heard of this account. This man had my personal information and would not accept the fact that this debt has never been mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2770075
|
2018-01-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2018-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3197014
|
2019-03-31
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-31
|
| Complaint What Happened |
About a month ago I was contacted by XXXX XXXX XXXX on a debt that is 20 years old. The debt in question is with XXXX XXXX XXXX with whom I have two lines of credit currently open as of 4 years ago and in good standing. The call was received about XXXX in the XXXX and they stated unless I payed 10 % by XXXX because they said they would be closing at that time further action would be taken. I am a XXXX XXXX and was at a loss as I do not recall this account ( at the time of the call or to this moment ) this really came out of the blue. I work hard to maintain my bills and my credit rating. They pressed real hard to the point of mentioning my lines of credit and my ability to pay. I did ( stupidly ) pay the 10 % for which the balance was due in 10 days. I feel I went into this under duress. I contacted counsel and was told that the statue of limitations had expired on this. On XX/XX/XXXX I came home to a XXXX stating that unless the balance of {$3900.00} was paid by XX/XX/XXXX they would file a report with the credit bureau. Please help and advise me of my options. XXXX XXXX XXXX XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2401409
|
2017-03-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2017-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3354283
|
2019-08-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-27
|
| Complaint What Happened |
Just received threatening calls from an anonymous number. Just called them to have them send me written notice of my debt but they refused and said they will consider that i owe it. Very unprofessional and harassing behavior.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2356407
|
2017-02-22
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-22
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-22
|
| Consumer Consent Provided |
N/A
|
|
|
1203787
|
2015-01-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-22
|
| Consumer Consent Provided |
N/A
|
|
|
2578925
|
2017-07-19
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-19
|
| Complaint What Happened |
They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2013325
|
2016-07-14
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-07-14
|
| Complaint What Happened |
ARA XXXX XXXX and others continue to call me regarding a debt I do not owe. They call and hang up serveal times during the day. I have asked repeatedly that they remove my cell number from their contact list as I am not the person they are seeking, I am on a do not call list that is verified and valid. They ask me to verify the Social Security Number, Credit Card information and other identifiers of a person they believe to owe the debt. I can not and refuse to do so in any capacity. They told me the calls will continue. This is wearing on my nerves and causing me XXXX!
|
| Consumer Consent Provided |
Consent provided
|
|
|
1692958
|
2015-12-11
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated an attorney or official
|
| Sub Product |
Credit card
|
| Date Received |
2015-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-11
|
| Complaint What Happened |
Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1384708
|
2015-05-20
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Financial Credit Service, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Indicated committed crime not paying
|
| Sub Product |
Credit card
|
| Date Received |
2015-05-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-27
|
| Consumer Consent Provided |
N/A
|
|
