Account Resolution Corp

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ***

On 11/23/16, Account Resolution Corporation (ARC) received Revdex.com complaint # [redacted] The consumer in the complaint references that she has no knowledge of ARC and has never been contacted by ARC She believes that she was never given a chance to dispute the accounts and request validation She would like these accounts deleted from the credit reporting agencies The consumer is referencing accounts placed in our office for collection-three accounts in and one account in Upon receipt of the Revdex.com complaint on 11/23/16, the President of ARC, [redacted] ***, Jrattempted to contact the consumer by phone Mr [redacted] was not able to reach the consumer Mr [redacted] made phone attempts on 11/23, 12/5, and 12/to reach the consumer Mr [redacted] did receive an email from the consumer on 12/that indicates she disputed the accounts and requested validation Mr [redacted] responded via email that the requested validation was received late Friday December and that the validations will be mailed Monday 12/ Upon receipt of the documents, Mr [redacted] indicated he would be happy to discuss the respective accounts with the consumer Prior to this Revdex.com complaint, ARC’s records do not indicate that any request has ever been made to validate the account by the consumer ARC’s records indicate a call on 10/15/was the first time ARC spoke with the consumer There were other phone attempts to reach the consumer over the years ARC did send in and 2015, respectively, validation notices to the consumer which would have documented the right to dispute and request validation The consumer in this Revdex.com complaint indicates she has insurance ARC contacted the creditor regarding the consumer’s accounts No insurance was on file for these accounts Upon review, the creditor did find another account later in where the consumer had insurance information on the account This account was not at ARC; however, the creditor indicated they would bill the date of service to the insurance payer The creditor believes the claims are too old to be billed to this insurance Upon further review and as a courtesy to the consumer, the creditor has agreed to write off and close all the accounts at ARC ARC will instruct the credit reporting agencies to remove these accounts from credit reporting on ARC’s next weekly credit reporting submission which is Monday 12/12/ If the consumer becomes aware that the credit reporting agencies have not processed the request to remove the account from credit reporting, the consumer should call Mr [redacted] immediately and he can investigate with the credit reporting agencies directly Mr [redacted] and ARC are available to discuss the complaint at any point in time with the consumer Since the request for credit reporting deletion of the accounts will be made to the credit reporting agencies, the consumer has received validation of the accounts and the accounts are now closed at ARC, ARC considers the complaint resolved and no further action necessary If you or the consumer have any additional questions, please contact our office Absent receipt of information to the contrary, our office will consider the complaint resolved Thank you Sincerely, [redacted] ***, JrPresident

Account Resolution Corporation (ARC) received this complaint on 3/23/ The consumer indicates in the complaint that ARC’s response to his validation request was incomplete Consumer indicates ARC included medical information that ARC should not have access to under HIPAA privacy laws The consumer requests the account be removed from the credit reporting agencies and cease all collection attempts The consumer’s desired requests have been met.ARC has reviewed the account in question with the creditor and communicated the complaint The account was placed by the creditor at ARC for collection on 2/3/ ARC sent a validation letter on 2/4/that indicated that unless the consumer, within days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector The letter also indicated that if the consumer notifies the debt collector in writing within the day period that the debt or any portion is disputed, the debt collector will obtain verification of the debt and a copy will be mailed to the consumer by the debt collector ARC did not hear from the consumer during the day period On 3/1/17, ARC received a letter from the consumer disputing the debt and requesting validation Although the request was outside of the day validation period, ARC sent the consumer documents that meet the requirements for debt validation The debt validation documents contained protected health information (PHI) which ARC has access to as a Business Associate of the Covered Entity (creditor) The use of the PHI is necessary to fulfill a legal responsibility as a Business Associate which in this case is the collection of the open account On 3/15/17, ARC received another letter from the consumer requesting validation of the debt including the previous validation sent to the consumer by ARC and notifying ARC that the account was in dispute [redacted] **., President of ARC would typically reach out to a consumer to discuss the complaint Based upon the consumer’s request that ARC cease communication with the consumer, Mr [redacted] is unable to contact the consumer regarding the account and complaint ARC would like the consumer to know that our office is available to discuss the account at any time if the consumer would like to remove the cease communication with our office As it relates to the consumer’s request that the accounts be removed from credit reporting, ARC would like the consumer to know that the policy of ARC is to credit report accurately On 3/16/17, although the creditor is unclear of the reason for account dispute, the creditor instructed ARC to close the account as a courtesy to the consumer ARC has closed the account in their office and submitted a request for deletion to the credit reporting agencies on 3/19/ On 3/23/17, ARC ran account reporting reviews for the consumer at the credit reporting agencies (Trans Union, Experian, and Equifax) The reviews indicate that ARC is not reporting any information to the credit reporting agencies (Trans Union, Experian, and Equifax) for the consumer at this time Since ARC is restricted by the consumer from communicating regarding the account, the consumer was sent supporting documentation for the debt, while the account was open it was credit reporting accurately, and the account is now closed and the account is no longer reporting to the credit reporting agencies, there was nothing further for ARC to do at this time as it relates to the complaintOur office is in receipt of Revdex.com complaint on 3/23/ For all the reasons identified above, our office is closing the complaint with explanation Our office considers this complaint resolved Please contact our office if you have any additional questions Thank you

On 6/21/16, Account Resolution Corporation (ARC) received Revdex.com complaint # [redacted] The consumer in the complaint references receiving one letter from ARC and the insurance company indicating to ARC they would pay the claim that was due for $ ARC was attempting to collect a debt from the consumer, however, the situation the consumer detailed in the complaint relates to a different account, creditor, and collection agency Upon receipt of the Revdex.com complaint on 6/22/16, the President of ARC, [redacted] P***, Jrattempted to call the consumer Mr [redacted] was unable to reach the consumer ARC contacted the creditor regarding the accounts The creditor indicated that the consumer had insurance; however, the insurance didn’t pay the accounts because there was a discrepancy with the consumer’s birth date on file at the insurance payer and the insurance payer could not identify the consumer The creditor received an insurance denial, attempted to rebill, however, the claim was ultimately denied and the creditor turned the account over to ARC for collection servicesOn 6/23/16, Mr [redacted] was able to reach the consumer to discuss the complaint Mr [redacted] explained that the claim ARC was collecting was not for $and that ARC had never communicated with an insurance payer regarding these accounts Upon further discussion with the consumer, both parties determined that the account referenced in the complaint was indeed one related to another creditor and collection agency Mr [redacted] provided to the consumer account reporting reviews which highlighted for the consumer the accounts ARC was reporting to the credit reporting agencies Mr [redacted] also provided the consumer with information to obtain free credit reports so the consumer could begin the process to identify the other account in questionAfter resolving the account in the complaint was related to another collection agency and creditor, the consumer and Mr [redacted] worked together to resolve the accounts ARC was attempting to collect After sharing information between ARC, the consumer, and the creditor, the creditor indicated on 6/28/that the accounts were denied as “untimely filing” so the creditor would write off the accounts The creditor indicated to please cancel and return both accounts back to the creditor and have them removed from the consumer’s credit report ARC closed the accounts on 6/28/and will submit a request for credit reporting deletion to the credit reporting agencies for these accounts Mr [redacted] called and communicated this to the consumer Mr [redacted] is available to discuss the complaint at any point in time with the consumer Since the accounts are resolved and the consumer indicated to Mr [redacted] that this was handled in a professional manner, ARC considers the complaint resolvedIf you or the consumer have any additional questions, please contact our office Absent receipt of information to the contrary, our office will consider the complaint resolved Thank youSincerely, [redacted] ***, Jr.President

On 1/23/17, Account Resolution Corporation (ARC) received Revdex.com complaint # [redacted] The consumer in the complaint references that she has never received a call, letter, bill, or any sort of communication from ARC She indicates she is not aware of what this account is for ARC’s records indicate attempts and contact with the consumer on this account did occur and are detailed below She would like this account deleted from the credit reporting agenciesThe consumer is referencing an account placed in ARC’s office for collection on 8/29/ Upon receipt of the Revdex.com complaint on 1/23/17, the President of ARC, [redacted] P***, Jrattempted to contact the consumer by phone on 1/27/and 1/30/ Mr [redacted] was not able to reach the consumer ARC did send on 8/30/a validation notice to the consumer which would have documented the right to dispute and request validation There was no mail return on this sent letter ARC did not receive any requests for validation ARC made a phone attempt on 12/21/with no contact On 12/30/16, ARC called the consumer When the ARC collector identified the name of ARC, the consumer indicated that she was disputing the account because it was in the wrong name and the consumer terminated the call immediately The consumer indicates she has insurance The creditor confirmed the insurance which did make a payment and adjustment on the account prior to it being placed at ARC On 1/23/17, ARC contacted the creditor, and communicated the complaint ARC asked the creditor to confirm that the balance it asked ARC to collect would be the same balance ARC requested that the consumer pay Based on the information ARC received from the creditor, the balance ARC is attempting to collect would be the same balance ARC was told by the creditor that was owed ARC requested validation of the debt and mailed this to the consumer on 1/25/ As it relates to the consumer’s request that the accounts be removed completely from credit reporting, ARC would like the consumer to know that the policy of ARC is to credit report accurately It appears the account is reporting accurately with the credit reporting agencies Mr [redacted] and ARC are available to discuss the validation of debt that the consumer received and/or the complaint at any point in time with the consumer Since the consumer has not responded to the validation sent by ARC, the creditor confirmed the balance due, and the account appears to be reporting accurately to the credit reporting agencies, ARC considers the complaint resolved and no further action necessary at this timeIf you or the consumer have any additional questions, please contact our office Absent receipt of information to the contrary, our office will consider the complaint resolved Thank youSincerely, [redacted] P***, Jr.President Tell us why here

Complaint: [redacted] I am rejecting this response because: the only communication I received was after this was on my credit report as well as disputed with the Revdex.com Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/12/31) */ On 12/18/15, our office received Revdex.com (Revdex.com) complaint #XXXXXXXOur office is attempting to collect balances due for two creditorsThe consumer indicates that he sent two letters to our company, Account Resolution Corporation (ARC) requesting validation of debtEach letter represented a request for validation of debt from the respective creditorThe first request for validation of debt was dated 11/23/and was received in our office on 11/25/ARC contacted the creditor immediately to validate the debtValidation of debt was mailed out on 12/14/and sent again on 12/18/The second request for validation of debt was dated 12/11/and was received in our office on 12/14/ARC contacted the creditor immediately to validate the debtValidation of debt was mailed to the consumer on 12/29/ With both creditors, ARC contacted the respective creditor to confirm balances and obtain itemization of chargesThe results of ARC's investigation with both creditors appears to indicate that the balance is due, accurate, and is the responsibility of the consumerOur office would like the consumer to know that if he has any documentation that would indicate he is not the responsible party to please forward to our office and we will review with the respective creditors The consumer also asks in the complaint for documents that indicate ARC has legal authority to discuss any confidential informationOur office with the validation of debt did provide creditor phone numbers so the consumer could contact the creditors to confirm ARC has legal authority to discuss any confidential information as it relates to the collection of these accountsIt is not the policy of ARC or required of ARC to release service agreements Upon receipt of the Revdex.com complaint on 12/18/15, our office attempted to contact the consumer to discuss the complaint by telephone at the number provided with the complaint, however, we were not able to reach the consumerOur office called the number again on 12/31/On 12/31/15, the recording indicated the number would not accept incoming callsOur office doesn't have any additional numbers available to contact the consumer with The consumer's desired resolution is that ARC removes all personal information and deletes and misleading information from consumer's credit reportBased on the information we received and research from our client, it appears the accounts are due, accurate, and credit reporting correctly for the consumerIf the consumer has information that indicates differently, ARC would encourage the consumer to forward this for review and/or call our office XXX-XXX-XXXX or toll free XXX-XXX-XXXX to discuss thisAs of 12/31/15, ARC has not heard from the consumer related to the validation sent, however, ARC will remain available to review and/or discuss the account any time that is convenient to the consumer Please contact our office if you have any additional questionsAbsent receipt of information to the contrary, our office considers the complaint resolvedThank you Sincerely, [redacted] P [redacted] President Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your late responseYet you have to provide any contractual agreements for any of the alleged debtsI have asked for Validation not Verification, I have stated this in both my letters and my complaintThis is clearly more stall tactics from your companyYou have been provided more that days to validate the information in which you have not done soMissed phone calls doesn't grant you the right to deny me proper documents that clearly shows my signature agreeing to pay these debtsIf you have been in contact with the so called original creditor as you stated why have they provided you any documents for accountsyou have not shown even document, hospital visit form, or patient agreement formI believe no such contracts exist, if it did it would not take over days to provide itSo at this time I will be filling additional complaints with Missouri Attorney General, Illinois Attorney General, and CFPB on these mattersThese violations of FDCPA need to be reported Final Consumer Response / [redacted] (2000, 11, 2016/01/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Business Response / [redacted] (4000, 9, 2016/01/06) */ On 1/6/16, our office received additional correspondence from the consumer regarding Revdex.com (Revdex.com) complaint #XXXXXXXThank you for the correspondenceOur office did receive dispute and request for validation on accounts from the consumerWe shared this with the respective creditors and have sent the information to the consumerWith the information the consumer provided, we were unable to identify what the specific dispute isThe balance we were attempting to collect was the balance we were told was due by the creditorHowever, to accommodate the consumer's concerns, we have closed the accounts in our officeA request for credit bureau reporting deletion of these accounts will be submitted on January 6, to the credit reporting agencies Our office believes this meets the consumer's desired resolutionOur office will remain available to review and/or discuss any questions that the consumer may haveAbsent receipt of information to the contrary, our office considers the complaint resolvedThank you Sincerely, [redacted] P [redacted] Jr President

Account Resolution Corporation (ARC) received this complaint 12681606 on 2/13/18. The consumer indicates in the complaint that she paid an account in full and would like a confirmation email/receipt. The consumer requests that ARC send her the receipt. The consumer indicates that... she was hung up on twice. The consumer paid the account on 2/7/18 and requested a payment receipt. Consumer called back to ARC on 2/12/18 asking about the payment receipt. The payment receipt was emailed to the consumer on 2/13/18. ARC received the complaint on 2/13/18. The email address in the complaint was a different email address than the consumer had provided on 2/7/18 and 2/12/18. [redacted] **., President of ARC emailed the consumer another payment receipt on 2/13/18 to the email address that was in the complaint. Upon receipt of the complaint, ARC immediately reviewed the recorded calls at phone numbers related to the consumer. The behavior described in this complaint is unacceptable and certainly not how business is conducted at ARC. ARC can find no documentation of this behavior relating to this consumer. There are no call recordings or notes on the account that document ARC hanging up on the consumer. [redacted] **., President of ARC did reach out to the consumer by phone on 2/14/18 to discuss the complaint. The consumer did acknowledge that she received the payment receipt by email. Mr. [redacted] also communicated to the consumer that there was no evidence of two hang ups on calls with the consumer. As Mr. [redacted] explained this, the consumer used a curse word and terminated the call. Our office is in receipt of BBB complaint 12681606 on 2/13/18. For all the reasons identified above, our office considers the complaint closed and resolved. Please contact our office if you have any additional questions. Thank you.

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2015/09/17) */ On 9/16/15, our office received Revdex.com complaint #XXXXXXXThe President of Account Resolution Corporation (ARC), [redacted] P [redacted] Jrcalled and sent an email to the consumer on 9/17/to discuss the complaintMr [redacted] did not reach the consumer by phone; however, the consumer did respond by email and indicated she preferred to communicate in writingMr [redacted] indicated he would certainly respect that and sent an email on 9/17/to the consumer indicating a response to the complaint that met the consumer's desired resolutionThe account was originally worked by ARC on a contingency basis until the account was purchased on 6/30/The account was sold to ARC as the original creditor closed their practiceARC did enter into an Agreement with the original creditor that gave written confirmation for full rights to the receivables The consumer indicates that she has always been covered by some type of insurance and does not believe that she owes thisARC mailed the consumer on 9/17/the information that the original creditor shared with ARC regarding the accountARC indicated the balance it was attempting to collect was the balance ARC was told was due by the original creditorAs a courtesy to the consumer and per the consumer's request, ARC has closed the accountA request for credit bureau reporting removal will be submitted to the credit reporting agenciesARC hopes the consumer considers this an appropriate resolutionARC let the consumer know if she had any additional questions or concerns, please do not hesitate to contact ARC On 9/17/15, the consumer responded in writing to ARC that she appreciated the prompt response and attention to this matter and if what is promised is fulfilled, she would consider this matter closed in a satisfactory manner Our office reports to the credit reporting agencies on a weekly basisThe account deletion for the consumer's account will be submitted to the credit reporting agencies on 9/21/ If you or the consumer has any additional questions, please contact our officeAbsent receipt of information to the contrary and the fact that we were able to meet the consumer's request for credit bureau removal, our office considers the complaint resolvedThank you

On 4/18/16, Account Resolution Corporation (ARC) received Revdex.com complaint # [redacted] The consumer in the complaint references a request for validation sent to ARC on 3/9/ ARC did receive the validation request on 3/11/ ARC received from the creditor an original address for the consumer on Olive St The consumer’s validation request had a different street name with a street number of [redacted] and our office incorrectly updated the street number to On 3/11/16, ARC sent the validation to the updated street name and the address and it was a mail return back to ARC on 3/23/ Upon receipt of the Revdex.com complaint on 4/18/16, ARC reviewed the consumer’s address and realized the incorrect street number was used ARC updated the street number and sent validation on 4/19/ ARC also submitted a request for deletion of the account to the credit reporting agencies on 4/19/ The deletion request will allow the consumer to review the validation materials since they were originally sent to an incorrect street numberThe President of ARC, [redacted] ***, Jr., attempted to contact the consumer by phone on 4/20/and 4/22/to discuss the complaint; however, Mr [redacted] did not reach the consumer and didn’t leave a message Please be aware Mr [redacted] is available to discuss the complaint at any point in time with the consumer Since the consumer’s desired resolution was met, ARC considers the complaint resolvedIf you or the consumer have any additional questions, please contact our office Absent receipt of information to the contrary and the fact that we were able to meet the consumer’s request for credit bureau removal, our office considers the complaint resolved Thank youSincerely, [redacted] ***, JrPresident

On 4/7/17, Account Resolution Corporation (ARC) received Revdex.com complaint # ***. The consumer in the complaint indicates that ARC is attempting to collect an account which she has a paid in full receipt for. The consumer would like the credit reporting agencies
updated with a deletion of the reporting. The consumer is referencing an account placed at ARC for collection on 11/9/16. The consumer called ARC on 4/7/and ARC explained the account history, balance due, who the creditor was, and the credit reporting process. The consumer thanked ARC so much for all the information. When ARC asked if the consumer was handled in a professional manner, the consumer commented “You were fantastic.” The consumer wanted to be sure she had the right information indicating that she believed she paid the creditor; however, she was going to call the creditor immediately. The creditor called ARC on 4/7/indicating they had clarified to the consumer there was a balance due on the account. The consumer had paid part of the balance but not the entire account balance. Upon hearing the clarification from the creditor, the consumer paid the account in full on 4/7/to the creditor. The creditor called ARC immediately and updated ARC to post the payment in full and to close the account. The creditor indicated that as a courtesy to the consumer because an apartment number was missing on her address that a request would be made for credit reporting deletion of the account to the credit reporting agencies. ARC submitted a request for the account to be deleted from credit reporting on 4/10/17. On 4/11/17, ARC sent the consumer a letter indicating the account was paid in full and a request for credit bureau reporting deletion was submitted. On 4/11/17, the consumer called ARC to confirm the payment was reported by the creditor. ARC updated the consumer that the account was paid in full and that the creditor recommended a deletion of the account credit reporting because the apartment number was missing. ARC explained the timeframe for updating credit reporting. The consumer said to ARC “I really appreciate your help. You have been a tremendous help. Thank you so much.” ARC is available to discuss the complaint at any point in time with the consumer. Since the credit reporting appears to be accurate, ARC updated the credit reporting agencies on 4/10/that the account should be deleted from credit reporting, the consumer has paid the account and the account is now closed at ARC, ARC considers the complaint resolved and no further action necessary. If you or the consumer have any additional questions, please contact our office. Absent receipt of information to the contrary, our office will consider the complaint resolved. Thank you. Sincerely, *** ** *** ***President

Account Resolution Corporation (ARC) received this complaint *** on 2/9/17. The consumer indicates in the complaint that ARC concluded via a dispute that the debt was invalid and removed it from the credit reporting agencies in September 2016. Consumer indicates the account
was reinserted to Equifax credit report and the consumer was not notified. The consumer requests the account be removed from the credit reporting agencies and not reinsertedThe account was placed for collection at ARC on 4/1/15. The account was originally submitted to the credit reporting agencies on or around 7/5/15. ARC received a dispute on the account in May and updated the credit reporting agencies that the account was disputed. ARC has never concluded the debt was invalid and removed from the credit reporting agencies. On 12/5/16, ARC received a fax from the consumer indicating the account was disputed and the consumer refused to pay this account. This refusal to pay requires our office to cease communication with the consumerARC has reviewed the account in question with the creditor and communicated the complaint. The creditor indicated the consumer was sent bills for one year and the creditor never heard from the consumer regarding this account. The creditor indicated for the account in question no insurance coverage was available. Creditor checked Medicaid eligibility again and the consumer was not eligible for this date of service in question. The creditor provided itemization of charges and supporting documents including signatures and driver’s license. On 2/21/17, ARC mailed these supporting documents to the consumer for the limited purpose of responding to the dispute and was not an attempt to collect the debt. *** P***, Jr., President of ARC would typically reach out to a consumer to discuss the complaint. Based upon the consumer’s request that ARC cease communication with the consumer, Mr*** is unable to contact the consumer regarding the account and complaint. It appears the account is reporting accurately to the credit reporting agenciesARC would like the consumer to know that our office is available to discuss the account at any time if the consumer would like to remove the cease communication with our office. As it relates to the consumer’s request that the accounts be removed from credit reporting, ARC would like the consumer to know that the policy of ARC is to credit report accurately. Since ARC is restricted by the consumer from communicating regarding the account, the consumer was sent supporting documentation for the debt, and the account appears to be credit reporting accurately, there was nothing further for ARC to do at this time as it relates to the complaintOur office is in receipt of Revdex.com complaint *** on 2/9/17. For all the reasons identified above, our office is closing the complaint. Our office considers this complaint resolved. Please contact our office if you have any additional questions. Thank you.*** * *** ***President

On 8/8/16, Account Resolution Corporation (ARC) received Revdex.com complaint #***. The consumer in the complaint references that our company has refiled an old debt with the credit bureaus. He requests a correction to his credit report and expects removal. Upon
receipt of the Revdex.com complaint on 8/8/16, the President of ARC, *** P***, Jrcontacted the consumer by phone. Mr*** explained to the consumer that the account has been credit reporting for years. There was no refile of the account for the purpose of extending the time for credit reporting. Mr*** explained that the account was still credit reporting within legal timeframes, however, the time frame to credit report on the account would expire approximately one month from now on or around September 11, 2016. At that time, the account would be deleted from credit reporting because of time limitations. The consumer seemed grateful for the call and accepted the explanation. Mr*** asked if ARC handled this in a professional manner and the consumer indicated they did. Mr*** commented that he would draft this response to the Revdex.com complaint and the consumer said it was acceptable to him Mr*** emphasized to the consumer that he is available to discuss the complaint at any point in time with the consumer. Since the credit reporting of the account was clarified with the consumer, the consumer’s desired resolution will be next month when the account stops credit reporting, and ARC explained what happened, ARC considers the complaint resolved. If you or the consumer have any additional questions, please contact our office. Absent receipt of information to the contrary, our office will consider the complaint resolved. Thank you. Sincerely, *** P***, Jr.President

Initial Business Response /* (1000, 7, 2015/08/03) */
On 7/20/15, our office received Revdex.com complaint #XXXXXXXOn June 30, 2010, our company, Account Resolution Corporation (ARC), was hired by a creditor to collect an unpaid balance due of $referencing ARC account number
of XXXXXXXUpon receipt of the complaint, our office would typically contact the consumer by telephone and discuss the complaintHowever, the consumer has requested our office cease and desist communicationWe have followed the consumer's instructions by not contacting him any furtherOur office would like the consumer to know that if he has any questions to please contact our office and we would be happy to answer any questions
The complaint indicates on 3/14/the consumer requested a validation of the debt and that he never received the validation and claims he is entitled to this within daysThe complaint doesn't indicate how the validation of debt was requestedOur office has no record of any type of validation request (email, phone call, fax, and/or letter)It is our policy to provide validation of debt upon requestPer our records, this complaint was the first request for validation of debtWe have contacted our client, obtained validation of debt, and mailed it to the consumer on 7/31/There is no law that indicates validation must be provided within days of request
The complaint also references that ARC failed to notify consumer about reporting derogatory information and commercial law (not applicable because this is consumer debt) was broken because notices were not timely and certifiedThe account was placed in our office on 6/30/identifying the consumer and the consumer debt at a Missouri address and an initial letter was sent in a timely manner on 7/2/that contained the necessary disclosures per the Fair Debt Collection Practices Act (FDCPA)Neither the FDCPA or Missouri state law have any requirement that requires notification related to "derogatory information" or certification of letters as it relates to the collection of consumer debt
The consumer's desired resolution is that our office cease and desist collection effortsOur office will cease and desist collection efforts per consumer's requestOur office has closed the account in our office and submitted a request for deletion of this account to the credit reporting agenciesOur letter with validation to the consumer on 7/31/explained that our office was closing the account and a request for deletion of this account was submitted to the credit reporting agencies
Please contact our office if you have any additional questionsAbsent receipt of information to the contrary, our office considers the complaint resolvedThank you
Sincerely,
*** ** *** Jr
President

On 5/11/17, Account Resolution Corporation (ARC) received Revdex.com complaint # ***. The consumer in the complaint indicates that she paid accounts at ARC and was told the accounts would be removed from her credit. The desired resolution is a correction to her credit
report and a refund of 25% for taking so much of her time. On 4/21/17, the consumer called ARC and inquired about some open accounts. The consumer asked a variety of questions around credit reporting. The consumer was told the accounts would be removed from credit reporting. ARC did not provide a time frame for the removal from credit reporting. The consumer called back on 4/24/to pay the accounts in full. The consumer asked credit reporting questions and was told the accounts would be removed. The consumer continued to ask credit reporting questions and was transferred to a Quality Assurance Representative (QAR). The QAR answered her questions and explained how the accounts would report and that ultimately the removal of the accounts would occur in approximately 60-days. The accounts would be reported for April, May, and June and that our office would no longer credit report (a request for deletion) for the accounts as of 7/3/because of the accounts in a return status to the creditor. A request for deletion of the accounts based on the return status would be submitted to the credit reporting agencies on 7/3/17. The consumer called back on 4/25/17, 4/27/17, 4/28/17, and 5/5/requesting specific letters on these accounts and clarifying the credit reporting. Multiple ARC representatives were involved in the process to explain and provide requested letters. Initially the consumer requested a paid in full letter and then subsequently requested a letter with language that detailed the credit reporting process. The consumer was sent paid in full letters on 4/28/and 5/1/17. After the call on 5/5/17, it was determined the consumer needed the credit reporting policy letter and that was sent to the consumer on 5/8/17. The consumer was told on the call on 5/5/to call back if she needed another letter. ARC has not heard back from the consumer at this point. *** ** *** **., President of ARC attempted to contact the consumer on 5/23/and 5/24/regarding the complaint and to ensure the consumer had the necessary letters, however, MrHill was not able to reach the consumer. As ARC wrapped up multiple calls with the consumer, ARC did ask the consumer if they felt they were handled in a professional manner and the consumer responded yes. Sometimes the wording on letters to explain the account history or satisfy third parties such as lenders can require much back and forth customization. ARC does want to be sure the consumer has the desired letter. If the consumer does not and reaches out, ARC will continue to work with the consumer to address this. ARC does not feel the request for a refund of 25% is necessary. Often times, the customization of letters can require some back and forth communication with the consumer ARC is available to discuss the complaint at any point in time with the consumer. Since the credit reporting appears to be accurate, the consumer has paid the accounts, the consumer has received requested letters, and the accounts are now closed at ARC, ARC considers the complaint resolved and no further action necessary. If you or the consumer have any additional questions, please contact our office. Absent receipt of information to the contrary, our office will consider the complaint resolved. Thank you. Sincerely, *** ** *** ***President

On 7/19/16, Account Resolution Corporation (ARC) received Revdex.com complaint #***. The consumer in the complaint references that he finds accounts for $on his credit report as open. Consumer indicates that he paid $direct to the creditor as payment in
full for his accounts. He further indicates his Mom called a year ago regarding this account should be closed. He comments that he disputed these as closed and a response was received from ARC in error. The consumer would like the issue fixed and resolved. He asks that the accounts be removed from his credit report. He would like to be contacted why this has not been updated and why there is a hold up. ARC shows no record of calls from the consumer’s mother related to the accounts. ARC also shows no record of disputes received from the consumer. Since the accounts have been with ARC while there have been attempts to reach the consumer, ARC has had no contact with the consumer or a third party on the accounts. Upon receipt of the Revdex.com complaint on 7/19/16, the President of ARC, *** ** *** **attempted to call the consumer. Mr*** was unable to reach the consumer. ARC contacted the creditor regarding the accounts. The creditor indicated that the consumer had indeed paid $in March 2015. The creditor had reported a payment of $in March but failed to report to ARC the $payment from March which would have paid the account in full. The other $account was placed in error by the creditor as a duplicate account. The creditor advised ARC to remove the accounts from credit reporting. On 7/19/16, ARC submitted a request for deletion of the accounts to the credit reporting agencies. ARC also mailed to the consumer letters that document the accounts are closed and will be removed from credit reporting. Mr*** is available to discuss the complaint at any point in time with the consumer. Since the accounts are resolved, the consumer’s desired resolution was met, and ARC explained what happened, ARC considers the complaint resolved. If you or the consumer have any additional questions, please contact our office. Absent receipt of information to the contrary, our office will consider the complaint resolved. Thank you. Sincerely, *** ** *** **.President

Complaint: ***
I am rejecting this response because: they have not contacted me or left messages, and they failed to send a letter with the verbage discussed on the day I made payment.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:I DID respond to mr ***s email and demanded they remove any account that has my name attached to it fro breech of HIPAA, noncompliance to reporting laws (FCRA) and complete disregard to FDCPA lawsHE NEVER EMAILED BACKI THE REQUIRED DOCUMENTS TO LEGALLY HAVE ANY OF MY INFORMATION OR PROOF OF LEGALLY POSSESSING, COLLECTING AND REPORTING AN ACCOUNT IN MY NAMEInstead he responds he tried to get ahold of me and I did not repoly??? How insultingTHIS is EXACTLY how it proves clear and ACCURATE THIS AGENCY LIES AND IS NOT OBEYING THE LAWS! He claimed he never got a cease and desist???? How convenient!! ANOTHER LIE!!!! This is complete and utterly unprofessional behavior and in complete disregard to the FDCPAHe wants a phone number in his email to me????? THEY ROBO call me all the time!!! An account number he asks for???? What a slap in the faceThis is obvious attempt to play dumb and act like they have no clue what I am talking about when it is right on my credit with some fake account number the CRA's make up for the consumers protectionSo REALLY? This *** *** has the NERVE to insult my integrity and not just follow the laws of cease and desist and stop all calls, letters, communication, collection and reporting to the cra's.This and every response will be uploaded to every blog I can find to show just how sorry this agency is and how they throw their collection accounts on credit reports not even knowing who the person isOBVIOUSLY if Mr *** *** doesn't know my phone number and can lie about emails he sent and were never replied to, he can admit this is ILLEGAL and stop the harassment and remove the account from my credit
Sincerely,
*** ***

On 3/16/17, Account Resolution Corporation (ARC) received Revdex.com complaint # ***. The consumer in the complaint indicates he has not been in the hospital or to an imaging center in the last years. He further indicates he never received a validation letter from
ARC. He believes the account was reported to the credit reporting agencies inappropriately. He would like this account corrected at the credit reporting agencies. The consumer is referencing an account placed in our office for collection on 11/22/16. ARC sent an initial letter out on 11/23/that contained notice of the debt and the consumer’s right to dispute the account. The letter provided contact points at ARC by telephone, email, and website. The letter was not identified as a mail return so it appears it was delivered. ARC has not received any inbound communication from the consumer outside of this complaint. Upon receipt of the Revdex.com complaint on 3/16/17, ARC requested validation of the account from the creditor and mailed to the consumer. Upon receipt of validation documents, the consumer called ARC on 3/20/and paid the account in full. The consumer was mailed a paid in full letter on 3/20/17. A request to update the account as paid in full with the credit reporting agencies was made on 3/26/17. Mr*** and ARC are available to discuss the complaint at any point in time with the consumer. Since the credit reporting appears to be accurate, ARC updated the credit reporting agencies on 3/26/that the account was paid in full, the consumer has received validation and paid the account and the account is now closed at ARC, ARC considers the complaint resolved and no further action necessary. If you or the consumer have any additional questions, please contact our office. Absent receipt of information to the contrary, our office will consider the complaint resolved. Thank you. Sincerely, *** ** *** ***President