Account Resolution Corp

Initial Business Response /* (1000, 5, 2016/02/04) */
Account Resolution Corporation (ARC) received this complaint XXXXXXX on 1/29/16. The consumer indicates in the complaint that ARC is attempting to collect an account that was discharged in a bankruptcy from 2010. The consumer indicates this...

information has been sent to ARC several times over the last 6 years. The consumer's desired resolution is for the account to be removed from credit reporting and collection attempts stopped.
The account referenced in this complaint was placed at ARC on 3/24/10. ARC has never spoken to the consumer on this account and shows no payments made on the account. ARC was notified of a bankruptcy for the consumer and closed the account on 6/18/10. A request for deletion of the account was submitted to the credit reporting agencies on 7/9/10. After receiving this complaint, ARC ran account reporting reviews for the three credit reporting agencies to see if this account was credit reporting. The account was reporting on Experian, Equifax, and TransUnion. On 1/29/16, ARC submitted an account deletion request to Experian, Equifax, and TransUnion.
On 2/2/16, ARC ran account reporting reviews for the consumer on Experian, Equifax, and TransUnion. The account didn't appear on these account reporting reviews which indicates the account has been removed from credit reporting for the consumer.
Since the consumer's desired resolution was met, the consumer didn't need any additional information, the account is closed and not credit reporting, there was nothing further for ARC to do at this time. However, our office remains available to discuss the complaint with the consumer at any time.
For all the reasons identified above, our office considers this complaint resolved. Please contact our office if you have any additional questions. Thank you.
Initial Consumer Rebuttal /* (2000, 7, 2016/02/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
It is the legal and proper outcome for this situation. Thank You Revdex.com in St louis for your assistance in this matter

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 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 agencies. The consumer is referencing an account placed in ARC’s office for collection on 8/29/16.  Upon receipt of the Revdex.com complaint on 1/23/17, the President of ARC, [redacted] P. [redacted], Jr. attempted to contact the consumer by phone on 1/27/17 and 1/30/17.  Mr. [redacted] was not able to reach the consumer.   ARC did send on 8/30/16 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 12/21/16 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 1/25/17.  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 time. 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] P. [redacted], Jr.President Tell us why here...

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]

Account Resolution Corporation (ARC) received this complaint on 3/23/17.  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 2/3/14.  ARC sent a validation letter on 2/4/14 that indicated that unless the consumer, within 30 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 30 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 30 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 30 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 3/19/17.  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 complaint. Our office is in receipt of Revdex.com complaint 12054110 on 3/23/17.  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 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 2012 and one account in 2015.  Upon receipt of the Revdex.com complaint on 11/23/16, the President of ARC, [redacted], Jr. attempted 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 12/7 to reach the consumer.  Mr. [redacted] did receive an email from the consumer on 12/4 that indicates she disputed the accounts and requested validation.  Mr. [redacted] responded via email that the requested validation was received late Friday December 2 and that the validations will be mailed Monday 12/5.  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 10/15/15 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 2012 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 2015 where the consumer had insurance information on the account.  This account was not at ARC; however, the creditor indicated they would bill the 2015 date of service to the insurance payer.  The creditor believes the 2012 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 12/12/16.  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], Jr. President

On 8/1/17, 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 to contact the consumer on this account did occur and are detailed below.  She would like this account deleted from the credit reporting agencies.   The consumer is referencing an account placed in ARC’s office for collection on 2/1/17.  ARC did send on 2/1/17 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 with no contact, receiving a bad number message.    On 8/1/17, ARC contacted the creditor, and communicated the complaint.  The creditor reviewed the account and indicated that ARC should close the account and submit a request for removal of the account to the credit reporting agencies.  The creditor indicated that their office would bill the insurance.  The creditor also indicated the address they sent to ARC was a bad address for the consumer.   Upon receipt of the Revdex.com complaint on 8/1/17 and resolution of the complaint, the President of ARC, [redacted]. called the consumer on 8/1/17 regarding the complaint.  The consumer was very thankful and appreciative of how this was handled.  When the consumer was asked if this was handled in a professional manner, the consumer indicated yes it was.  ARC mailed the consumer a letter indicating the account was closed at ARC and that a request for deletion of the account would be submitted to the credit reporting agencies.    Mr. [redacted] and ARC are available to discuss the account at any time with the consumer.  Since the consumer was updated with resolution of the complaint and the resolution met the consumer’s desired settlement, and the account is now closed at ARC, ARC considers the complaint resolved and no further action necessary at this time.   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] President

On 8/12/16, Account Resolution Corporation (ARC) received Revdex.com complaint #[redacted].  The consumer in the complaint references that our company has a collection on her credit report and has not heard from ARC.  She indicates she has called ARC and never gets a call...

back.  She requests a correction to her credit report and expects removal of this. Upon receipt of the Revdex.com complaint on 8/12/16, ARC reached out to the creditor to verify the balance due and request documentation that supported the debt.  The creditor provided the documentation immediately to ARC and indicated the amount ARC was collecting was the correct amount.  On the same day, the President of ARC, [redacted] P. [redacted], Jr. contacted the consumer by phone.  Mr. [redacted] explained to the consumer that the account has been credit reporting for years.  A letter was sent and numerous phone attempts were made over the years to reach the consumer.  ARC ran a search on our phone recording logs for the two phone numbers related to the consumer, however, ARC could only find one inbound call from the consumer’s phone numbers.  ARC listened to that call and the consumer never left a message.  ARC’s records do not reflect that the consumer left messages and received no call back.  Mr. [redacted] discussed the itemization of the account over the phone with the consumer.  The consumer was thankful for the information and asked Mr. [redacted] to send the information and she would pay it.    The consumer seemed grateful for the call and accepted the explanation.  Mr. [redacted] asked if ARC handled this in a professional manner and the consumer indicated they did.  Mr. [redacted] commented that he would draft this response to the Revdex.com complaint and the consumer said it was acceptable to her.    Mr. [redacted] 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 is accurate and ARC explained this to the consumer, 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, [redacted] P. [redacted], Jr.President

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 $850.  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. [redacted], Jr. attempted 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 services. On 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 $850 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 question. After 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 6/28/16 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 6/28/16 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 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,
[redacted], Jr.President

Account Resolution Corporation (ARC) received this complaint [redacted] on 1/3/18.  The consumer indicates in the complaint that he did not order the product.  He indicates that he called and tried to resolve with ARC and ARC was uncooperative, transferred him, and would not listen to his...

problem or solve it.  The consumer requests that ARC contact the credit reporting agencies and correct the fact that this is an unpaid bill. 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 10/20/16.  ARC sent a validation letter on 10/21/16 that indicated that unless the consumer, within 30 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 30 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 30 day period.  On 12/28/17, ARC sent the consumer documents that meet the requirements for debt validation.  On 1/3/18, the consumer called ARC indicating he did not owe the bill.  He commented that he never authorized the product.  Upon receipt of the complaint, ARC reviewed the complaint with the creditor.  The creditor delivered the product to him on 07/30/2015 and he signed for this.  The product was ordered by the consumer’s doctor.  The product was a rent to purchase item.  The creditor billed the insurance for so many months then it becomes a purchase and the insurance is no longer billed.   At that time of delivery, the consumer had [redacted] of which the creditor billed.  The consumer’s insurance lapsed on Feb 29, 2016.  The creditor did bill him for March and April 2016 the remaining months’ rental for the wheelchair.   The consumer states the purchase date was July 3, 2015 that is incorrect; it was July 30th 2015.  The complaint indicates the consumer spoke to the Company on 7/3/17.  Neither ARC nor the creditor has any records showing a conversation with the consumer on 07/03/2017. ARC is going to close his account as of today and adjust off his balance.  The creditor indicated that the consumer’s doctor ordered the product.  The consumer’s insurance was billed, however, the creditor was informed by the insurance that the coverage had lapsed and the consumer was responsible for the balance due.  ARC contacted the creditor to conduct an investigation and verification/confirmation of the account and balance due.  Creditor provided an itemization of the balance, documentation, and confirmed the amount due.  Creditor confirmed the account related to services provided to the consumer, and that he was indeed the responsible party and the balance was accurate. The result of our investigation with our client indicates the balances are accurate.  Based on the documents and information ARC received from the creditor, the balance ARC was attempting to collect would be the same balance ARC was told by the creditor that was owed.  The consumer made an inbound call to ARC on 1/3/18.  The call recording was reviewed by [redacted]., President of ARC.  During the call, the consumer tells the first ARC representative to “shut up”, curses and screams repeatedly at the representative.  The representative transfers the consumer to another ARC representative and the consumer continued to curse and scream at the ARC representative.  The second ARC representative attempted to transfer the consumer to another representative and while on hold, the consumer terminated the call.  It is a policy of ARC that if someone uses profanity that the call is to be transferred.  [redacted]., President of ARC would typically call a consumer to discuss a complaint, however, Mr. [redacted] did not reach out to the consumer based on the way the consumer treated ARC personnel on 1/3/18.  ARC has made a decision to close the account in their office.  A request for account deletion and credit bureau removal will be submitted to the credit reporting agencies. Our office is in receipt of Revdex.com complaint [redacted] on 1/3/18.  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 /* (1000, 5, 2015/09/17) */
On 9/16/15, our office received Revdex.com complaint #XXXXXXX. The President of Account Resolution Corporation (ARC), [redacted] P [redacted] Jr. called and sent an email to the consumer on 9/17/15 to discuss the complaint. Mr. [redacted] did not...

reach the consumer by phone; however, the consumer did respond by email and indicated she preferred to communicate in writing. Mr. [redacted] indicated he would certainly respect that and sent an email on 9/17/15 to the consumer indicating a response to the complaint that met the consumer's desired resolution. The account was originally worked by ARC on a contingency basis until the account was purchased on 6/30/13. The account was sold to ARC as the original creditor closed their practice. ARC 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 this. ARC mailed the consumer on 9/17/15 the information that the original creditor shared with ARC regarding the account. ARC indicated the balance it was attempting to collect was the balance ARC was told was due by the original creditor. As a courtesy to the consumer and per the consumer's request, ARC has closed the account. A request for credit bureau reporting removal will be submitted to the credit reporting agencies. ARC hopes the consumer considers this an appropriate resolution. ARC 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 basis. The account deletion for the consumer's account will be submitted to the credit reporting agencies on 9/21/15.
If you or the consumer has 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 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]

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 /* (1000, 5, 2015/12/31) */
On 12/18/15, our office received Revdex.com (Revdex.com) complaint #XXXXXXX. Our office is attempting to collect balances due for two creditors. The consumer indicates that he sent two letters to our company, Account Resolution...

Corporation (ARC) requesting validation of debt. Each letter represented a request for validation of debt from the respective creditor. The first request for validation of debt was dated 11/23/15 and was received in our office on 11/25/15. ARC contacted the creditor immediately to validate the debt. Validation of debt was mailed out on 12/14/15 and sent again on 12/18/15. The second request for validation of debt was dated 12/11/15 and was received in our office on 12/14/15. ARC contacted the creditor immediately to validate the debt. Validation of debt was mailed to the consumer on 12/29/15.
With both creditors, ARC contacted the respective creditor to confirm balances and obtain itemization of charges. The results of ARC's investigation with both creditors appears to indicate that the balance is due, accurate, and is the responsibility of the consumer. Our 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 information. Our 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 accounts. It 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 consumer. Our office called the number again on 12/31/15. On 12/31/15, the recording indicated the number would not accept incoming calls. Our 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 false and misleading information from consumer's credit report. Based on the information we received and research from our client, it appears the accounts are due, accurate, and credit reporting correctly for the consumer. If 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 this. As 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 questions. Absent receipt of information to the contrary, our office considers the complaint resolved. Thank you.
Sincerely,
[redacted] P. [redacted]
President
Initial Consumer Rebuttal /* (3000, 7, 2016/01/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for your late response. Yet you have to provide any contractual agreements for any of the alleged debts. I have asked for Validation not Verification, I have stated this in both my letters and my complaint. This is clearly more stall tactics from your company. You have been provided more that 30 days to validate the information in which you have not done so. Missed phone calls doesn't grant you the right to deny me proper documents that clearly shows my signature agreeing to pay these debts. If you have been in contact with the so called original creditor as you stated why have they provided you any documents for 7 accounts. you have not shown even 1 document, hospital visit form, or patient agreement form. I believe no such contracts exist, if it did it would not take over 40 days to provide it. So at this time I will be filling additional complaints with Missouri Attorney General, Illinois Attorney General, and CFPB on these matters. These violations of FDCPA need to be reported.
Final Consumer Response /* (2000, 11, 2016/01/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Business Response /* (4000, 9, 2016/01/06) */
On 1/6/16, our office received additional correspondence from the consumer regarding Revdex.com (Revdex.com) complaint #XXXXXXX. Thank you for the correspondence. Our office did receive dispute and request for validation on accounts from the consumer. We shared this with the respective creditors and have sent the information to the consumer. With the information the consumer provided, we were unable to identify what the specific dispute is. The balance we were attempting to collect was the balance we were told was due by the creditor. However, to accommodate the consumer's concerns, we have closed the accounts in our office. A request for credit bureau reporting deletion of these accounts will be submitted on January 6, 2016 to the credit reporting agencies.
Our office believes this meets the consumer's desired resolution. Our office will remain available to review and/or discuss any questions that the consumer may have. Absent receipt of information to the contrary, our office considers the complaint resolved. Thank you.
Sincerely,
[redacted] P. [redacted] Jr.
President

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 3/9/16.  ARC did receive the validation request on 3/11/16.  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 1090.  On 3/11/16, ARC sent the validation to the updated street name and the 1090 address and it was a mail return back to ARC on 3/23/16.  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 4/19/16.  ARC also submitted a request for deletion of the account to the credit reporting agencies on 4/19/16.  The deletion request will allow the consumer to review the validation materials since they were originally sent to an incorrect street number. The President of ARC, [redacted], Jr., attempted to contact the consumer by phone on 4/20/16 and 4/22/16 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 resolved. If 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 you. Sincerely, [redacted], Jr. President

Initial Business Response /* (1000, 5, 2015/09/22) */
On 9/9/15, our office received Revdex.com complaint #XXXXXXX. The President of Account Resolution Corporation (ARC), [redacted] P [redacted] Jr. called and sent an email to the consumer on 9/17/15 to discuss the complaint. Mr. [redacted] reached...

the consumer by phone; however, the consumer asked Mr. [redacted] to call back later that afternoon or that night. Mr. [redacted] did call the consumer that evening; however, he was unable to reach the consumer. The consumer sent an email to Mr. [redacted] on 9/18 indicating she would be available all day for a phone call or Mr. [redacted] could communicate through the Revdex.com. Mr. [redacted] attempted to call the consumer on 9/18 per her request; however, he was unable to reach the consumer. As a result, Mr. [redacted] will utilize the consumer's request to utilize the Revdex.com for communication. Going forward, Mr. [redacted] would like the consumer to know if she has any additional questions that he can be reached by phone or email as well.
The consumer had an account placed with ARC for collection by a creditor. The first dispute received from the consumer on this account was in July 2015. On 7/20/15, the consumer indicated to ARC that she disputed the charges ARC was attempting to collect. The consumer's dispute was that she had not received these services. ARC reached out to the creditor for clarification on 7/20/15. The creditor explained the services that were provided to the consumer and indicated to ARC that if the consumer would still like an itemization of services provided this could be mailed or the creditor would be happy to discuss the services if the consumer preferred. On 7/30/15, ARC explained the services in greater detail to the consumer; however, the consumer indicated they would prefer to receive an itemization of the charges. On 8/12/15, the itemization of services was mailed to the consumer. On 9/17/15, the creditor advised ARC to close the account, adjust the balance to zero, and submit a request for credit reporting deletion to the credit reporting agencies. The creditor made this decision because they became aware on this account of an insurance payer that may have paid/adjusted a portion or all of the balance. Based on the date of service, the insurance billing now would be denied as untimely. As a result, the creditor made a decision to provide a courtesy write-off of the balance. ARC closed the account and adjusted the balance to zero on the same day. On 9/20/15, a request for credit reporting deletion was submitted to the credit reporting agencies.
The consumer indicates that the account was disputed on numerous occasion without any resolution and that ARC exhibited poor customer service. ARC is certainly disappointed to hear the consumer comment in this manner. Based on the sequence of events above and the timely actions taken by ARC, ARC is optimistic that further review of the sequence of events above by the consumer may generate a more favorable feel for how ARC serviced the consumer and account.

ARC hopes the consumer considers this an appropriate resolution. ARC would like the consumer to know if she had any additional questions or concerns, please do not hesitate to contact ARC.
If you or the consumer has 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 desired resolution, our office considers the complaint resolved. Thank you.

Account Resolution Corporation (ARC) received this complaint [redacted] on 6/5/17.  The consumer indicates that ARC is harassing the consumer.  The consumer indicates ARC has information they should not have per HIPAA, call family members, harass the consumer, and threaten to contact the...

consumer’s employer.  The consumer indicates three letters were mailed stating cease and desist collection efforts.  Consumer indicates information was requested and that the consumer was denied this information.  The consumer’s desired resolution is to cease and desist and a removal from the credit reporting agencies.ARC disagrees with the allegations that the consumer details in the complaint.  The behavior described in the complaint is unacceptable and certainly not how business is conducted at ARC.  ARC can find no documentation of this behavior relating to this consumer.  Upon receipt of the complaint, ARC immediately searched their database based on the demographic information provided in the complaint.  ARC was able to find one account that was credit reporting for this consumer based on the SSN and name provided.  ARC does not have a good phone number for the consumer nor did ARC have an updated address for the consumer that matched the address provided in the complaint.  Since ARC did not have a good phone number or address for the consumer, ARC has no record of phone calls to the consumer or third parties.  There are no records of letters sent to the address in the complaint since the address for the consumer was bad.  The last letter ARC sent to the consumer was a validation notice sent in 2011 to a different address than the one in the complaint.   ARC is not aware of any HIPAA violations with this consumer.  Under the HIPAA Privacy Rule, a covered entity may not use or disclose PHI except 1) with the consent of the individual, or 2) as expressly permitted or required by the Privacy Rule. 45 C.F.R. 164.502(a). To this extent, the Rule specifically permits a covered entity to use and disclose PHI for the purpose of “treatment, payment and health care operations”, including the payment operations of other covered entities, without requiring prior consent of the individual. 45 C.F.R. sec.164.502(a)(1),164.506(a). The term ‘payment” includes actions taken by health care providers to obtain payment or reimbursement after providing health care to the individual.  The Rule requires a covered entity, when utilizing PHI for payment purposes, to make a reasonable effort to use and disclose only the minimum amount of PHI as is necessary to accomplish the purpose of obtaining payment or reimbursement. 45 C.F.R. sec.164.502(b),164.514(d).  It appears this was followed by the creditor and ARC. [redacted] P. [redacted], Jr., President of ARC was unable to call the consumer about the complaint because ARC didn’t have a phone number nor was one provided in the complaint.  The complaint did contain an email address for the consumer.  Mr. [redacted] sent an email to the consumer that asked the consumer to provide a phone number so ARC could discuss the complaint.  Mr. [redacted] indicated that ARC did not show any calls or letters to the consumer or third party phone calls related to collection or skip tracing on the account.  ARC also indicated that they were not in receipt of any cease and desist letters on the account.  ARC believed that the allegations in the complaint may relate to a different collection agency.  The consumer responded back to the email that it was indeed ARC and that letters were ignored.  The consumer requested a Cease and Desist in the email.  Per the consumer’s request for a cease and desist, ARC closed the account and submitted a request for account deletion to the credit reporting agencies.ARC would like the consumer to know that our office is available to discuss the complaint or account at any time.  As it relates to the consumer’s request that the account be removed from credit reporting, ARC would like the consumer to know that this request was granted.  ARC closed the account and has submitted a deletion request to the credit reporting agencies.  There was nothing further for ARC to do at this time as it relates to the complaint.  However, ARC remains available to discuss the complaint with the consumer at any time.Explanation of closure Our office is in receipt of Revdex.com complaint [redacted] on 6/5/17.  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.

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]

On 8/31/16, Account Resolution Corporation (ARC) received Revdex.com complaint #[redacted].  The consumer in the complaint references that she has repeatedly requested validation of this debt from our company and received no response.  Consumer requests this account be removed...

from her credit report.   Upon receipt of the Revdex.com complaint on 8/31/16, the President of ARC, [redacted] P. [redacted], Jr. attempted to contact the consumer by phone.  Mr. [redacted] was not able to reach the consumer.  The consumer called ARC on 8/23/16 to make arrangements on the account.  At no point in the call did the consumer request validation on the account.  ARC’s records do not indicate that any request has ever been made to validate the account.  ARC’s records indicate the call on 8/23/16 was the first time ARC spoke with the consumer.  Our records indicated that the consumer resided in Missouri.  During the phone call on 8/23/16, the consumer indicated a current residence in Arizona.  ARC indicated to the consumer that ARC does not conduct business in Arizona.  ARC indicated to the consumer that the account would be closed in the ARC office.  To close the call, ARC asked the consumer if the call was handled in a professional manner and the consumer indicated that it was handled professionally.  ARC has instructed the credit reporting agencies to remove this account from credit reporting.  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 account was made to the credit reporting agencies and the account is 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] P. [redacted], Jr.Presiden