Accounts Recovery Bureau, Inc.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
I sent this agency a packet of what they put on my credit reportApproximately (42) water bill collections appear on my credit report this monthI sent the packet to there ***, Pennsylvania OfficeThe collections that appeared on my credit report came from this officeThere were no water bill accounts in my nameI need them to update all three of my credit reports deleting these collections ASAP!
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

ACCOUNTS RECOVERY BUREAU, INC.
P.O. Box 6768, Wyomissing, PA 19610
###-###-#### ? ###-###-#### ? Fax ###-###-####
arb[redacted]                                 �...⇄ May 16, 2014
The Revdex.com
1411 K St. NW 10th Floor
Washington, D.C. 20005-3404          
 
 
Complaint: Business
Complaint # [redacted]
Complaint Date: 4/30/2014
 
**. [redacted],
 
I am responding to the complaint from **. [redacted] from 4/30/14.  **. [redacted] had two open balances with our agency in 2013.  **. [redacted] did pay both of these balances in full on 12/20/2013.  The CBR listing was updated as of February 2014 to update his reported balance of $170.00 as paid in full.  **. [redacted] has contacted our office regarding this entry and we have advised him of our update.  ARB does submit mass updates to the credit bureau as is common practice on a monthly basis and if needed by the customer; ARB is able to provide a copy of the credit bureau deletion request.
As far as actual timing of when the credit bureaus update an individual consumer account that is not under ARB’s control. ARB can only make the request for the update to the consumer’s credit report to the reporting agency and it is based on the internal policies of the credit reporting agencies to update the account. It is not typically the practice to delete the account from the credit bureau once it is placed but simply to update the balance and report it is paid.
 
To help resolve this ARB has requested a manual deletion of the debt at ARB that was paid by the customer. A copy of the deletion request is included in this response.
 
We are hopeful this response will satisfy the complaint made by [redacted]
 
Sincerely,
 
[redacted]
Director
ARB
 
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT.  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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ACCOUNTS RECOVERY BUREAU, INC.
P.O. Box 6768, Wyomissing, PA 19610
(610) 378-5000 ? 1-800-220-1622 ? Fax (610) 378-5340
arb 
 
 
 
[redacted]                                   ...⇄ May 16, 2014
The Revdex.com
1411 K St. NW 10th Floor
Washington, D.C. 20005-3404          
 
 
Complaint: Business
Complaint # [redacted]
Complaint Date: 5/11/2014
 
[redacted],
 
I am responding to the complaint from **. [redacted] from 5/11/14.  ARB does not have record of reporting any credit bureau entries for **. [redacted] for unpaid water bills.  I have reviewed all of the records we have for **. [redacted] and there has not been any activity since 2008. 
 
To help resolve this complaint, I would like to request **. [redacted] provide further backup so I can investigate his claims.  
 
Thank you for your assistance in this matter.
 
Sincerely,
 
[redacted]
Director
ARB
 
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.  THIS IS AN ATTEMPT TO COLLECT A DEBT.  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Good afternoon,
Attached is the documentation we received from **. [redacted]. This has nothing to do with credit bureau entries.  This information lists all of the debt that was owed for the bankruptcy.  Accounts Recovery Bureau, Inc. does not have record of any credit bureau entries made on these properties.  In an effort to assist **. [redacted], please ask him to provide a copy of the credit bureau entries that he feels we have made so I can further research this and resolve the matter for him. 
Thank you,
[redacted]
Director

Accounts Recovery Bureau already deleted all the collections accounts. Thanks for you help!!

Complaint: Billing or Collection Issues
Complaint # [redacted]

class="MsoNormal">Complaint Date: 8/15/2014
 
I am responding to the complaint from [redacted] dated 8/15/14 regarding his account placed with ARB from [redacted] on 5/04/2011.
 
ARB has requested this account be removed from [redacted]'s credit reporting with the [redacted] and [redacted].
 
Our agency did speak with [redacted] back in May 2011 when he did tell us at that time the charges were supposed to be considered for charity through our creditor.  [redacted] did not provide any addtional information backing that request since that point but we are closing the account from our office. 
 
We are hopeful this response will satisfy the complaint made by [redacted].

Review: ON FRIDAY, MAY 9, 2014, ACCOUNTS RECOVERY BUREAU LISTED (17) COLLECTION ACCOUNTS ON MY CREDIT REPORTS FOR UNPAID WATER BILLS FROM THE CITY OF [redacted] FOR THE YEARS, 2007, 2008 AND 2009.THE PROPERTIES WERE OWNED BY A S-CHAPTER PENNSYLVANIA CORPATION, IDENTIFIED AS; SEACH AND FIND [redacted]. THE INVOLVED PROPERTIES WERE DEEDED BACK TO [redacted] BANK, DATED; JUNE 25, 2008, 9:05AM. SEARCH AND FIND [redacted]., FILED CHAPTER 7 BANKRUPTCY; CASE NUMBER [redacted]-REF. THE BANKRUTCY WAS CLOSED AND DISCHARGED, AUGUST 31, 2009. THE (17) PROPERTIES WERE LISTED IN THE BANKRUTCY. THE CITY OF [redacted] DID ATTEND THE BANKRUTCY HEARING. THE DEBT WAS DISCHARGED. THE COMPANY WAS THAN SOLD. THE NEW CEO, [redacted], [redacted], [redacted], PA [redacted]. THIS DEBT COLLECTION COMPANY IS NOW TRYING TO COLLECT DISCHARGED DEBT.THERE ACTION HAS EFFECTED MY EMPLOYMENT.Desired Settlement: I DEMAND THAT THE (17) COLLECTIONS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY.

Business

Response:

ACCOUNTS RECOVERY BUREAU, INC.

P.O. Box 6768, Wyomissing, PA 19610

(610) 378-5000 ? 1-800-220-1622 ? Fax (610) 378-5340

Review: I had an account enter into collections handled by this company. I payed my balance in full in December of 2013 (12/23/2013 was when the payment posted to my checking account). As of 4/30/2014 the account still shows as in collection and active on my credit report. I was assured that this would be removed from my credit history. I understand it may have not happened within a week or two but I hoped that within a month it would be removed. It has now been over four months and it is still not removed.Desired Settlement: I would like to formally be contacted and provided documentation that this account has been payed in full and the collection be deleted from my credit report.

Business

Response:

ACCOUNTS RECOVERY BUREAU, INC.

P.O. Box 6768, Wyomissing, PA 19610

###-###-#### ? ###-###-#### ? Fax ###-###-####

Review: After my son's surgery I heard nothing in regards to bills. As his father was the primary insured and everything went to his address. After 4 years I started receiving letters and constant phone calls from this collection agency. Within 4 weeks I paid in full the pay off amount they gave me. My main issue is that once they received their money they did not even take the time to remove it from my credit or report it as paid.Desired Settlement: I would like it removed from my credit or at least marked as paid in full.

Review: The Company Known as ACCOUNTS RECOVERY BUREAU located in [redacted] PA. has reported to the 3 major credit reporting agencies derogatory information about me with regards to an alleged account I know nothing about and have no idea what they are talking about and I question its validity, the derogatory information on my credit reports is causing me an injury/trespass.Desired Settlement: I want ACCOUNTS RECOVERY BUREAU located in [redacted] PA. TO IMMEDIATELY compel the necessary person/s at all 3 major credit reporting agencies TRANSUNION, EQUIFAX & EXPERIAN to remove all derogatory information that was provided by ACCOUNTS RECOVERY BUREAU with regards to [redacted]. [redacted] DOB [redacted] that IS CURRENTLY HAVING AN ADVERSE AFFECT ON MY CREDIT STANDING.

Business

Response:

[redacted] January 14, 2014

The Revdex.com

1411 K St. NW 10th Floor

Washington, D.C. 20005-3404

Review: Business

Complaint # [redacted]

Complaint Date: 1/9/14

**. [redacted],

I am responding to the complaint from **. [redacted] dated 1/9/14 regarding his account placed with ARB from the [redacted] County Clerk of Courts for restitution concerning a fine.

ARB sent bills and attempted phone contact with **. [redacted] prior to this complaint.

We received return mail that was sent to the same address listed on this complaint.

We did attempt to contact **. [redacted] after the complaint was received to clarify the bill in question and to verify his address. We called **. [redacted] on 1/10/14 and he stated he does not conduct business over the phone and wanted contact in writing only.

We requested an itemized bill from [redacted] County Clerk of Courts which will be sent to the address provided in the complaint.

His credit bureau will be marked as disputed since he did submit a dispute, however based on the date of birth, address and name they do match what is in the [redacted] terminal and what the county has on record for **. [redacted] and this fine. If he feels that this billing is in error from the County Clerk’s office he will need to provide more validation information for us to research with.

Unless further proof is provided by **. [redacted] for us to be able to investigate his account will remain in collections and his credit bureau will be marked as disputed. He will not be contacted by phone by ARB. If further proof is provided, ARB will continue the investigation with our client.

We are hopeful this response will satisfy the complaint made by **. [redacted].

Sincerely,

Director

ARB

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: Of Threatening and misleading representation by the agent of ACCOUNTS RECOVERY BUREAU, false ,misleading,deceptive debt collection practice, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. Furthermore ACCOUNTS RECOVERY BUREAU violated 1692d, 1692e,(10), 1692f which forbids debt-collectors from using debt collection practices that involve harassment, abuse, false and misleading representations or are otherwise unfair or unconscionable. Furthermore ACCOUNTS RECOVERY BUREAU violates 15 U.S.C 1692d, 1692d(5) 1692e, 1692f, furthemore ACCOUNTS RECOVERY BUREAU violates provisions of FDCPA 15 U.S.C. 1692 under 73 PS 2270.4(a), furthemore ACCOUNTS RECOVERY BUREAU violates the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 PS 201-1 et seq.

ACCOUNTS RECOVERY BUREAU'S actions are done with malicious, intentional, willful, reckless wanton and negligent disregard of my rights under the law.

Review: I have paid off my overdo balance. This was confirmed by the company I owed the money to ( [redacted]). Both [redacted] and I have contacted ARB about being paid up, but I still receive notices in the mail, and phone calls saying I owe money. I am afraid this is effecting my credit rating unecessarilly.In the mean time, [redacted] said they will try to contact ARB again to straighten it out. [redacted] has said they have had many problems with ARB, and are trying to find another collection agency. I do want to add that the letters and phone calls have NOT been threatening. I'm just frustrated that I can't get this resoleved with ARB. Thank YouDesired Settlement: That they delete my balance, and it doesn't effect my credit.

Business

Response:

[redacted],

I am in reciept of the complaint from [redacted] from 3/26/13 regarding his bill with [redacted]

In response to his complaint we had removed his phone numbers and stopped collection activities on his account.

ARB has been attempting to verify his payment with [redacted] and will continue to do so.

In good faith ARB has also requested the removal of any credit reporting on [redacted] for these accounts.

ARB feels this should resolve [redacted] complaint.

Please contact us if anything additional is needed.

Review: This company has called me almost every day, sometimes multiple times a day, for the past several weeks. I have communicated to them that they had the wrong number on multiple occasions by following the directions on the automated message but the calls will not stop. They will not stop harassing me. The person they are trying to reach does not live at this number.Desired Settlement: I just want them to stop calling me.

Business

Response:

**. [redacted],

Please find attached our letter of response to the complaint.

Please let me know if any further information or assistance is needed for this matter.

Regards,

Review: I work for a State of Maryland Agency and was called at work and harassed about a debt that my adult daughter may or may not have from this collection agency. The collection agency has no business what so ever contacting me or my place of employment to harass me about a debt. I am not responsible for her financial matters nor have I co-signed any loans or purchases. My daughter does not work where the collection agency called. When I ordered the supervisor to remove my phone number from their data base and not to call here ever again, she told me that THEY CAN CALL AND HARASS ANYONE to collect a debt.Supervisor: [redacted]Manager: [redacted]Desired Settlement: I want the collection agency to CEASE and DESIST any contact to my home or place of employment.

Business

Response:

To Whom it may concern.

I am in reciept of the complaint filed with the Revdex.com for [redacted].

In response to his complaint his number was removed at his request on 4/11/13.

We apologize for any inconvieniance this may have caused [redacted].

ARB feels this closes the complaint from [redacted].

Please feel free to contact my office if any aditional issues with this arises.

Review: I have received several phone calls from the "Accounts Recovery Bureau." However, I have not been able to reach anyone at the bureau to inquire about and/or pay the balance which they claim is due.

When I answer the bureau's phone calls, I hear an automated message, and I am unable to connect to anyone. When I call back, I also receive an automated message. I have left a voicemail, and I have not heard back from anyone. I have also received a written notice, but there is no indication of what the debt collection is for. I have no debt that I am aware of.

The account number that is on the written notice is #[redacted]. It says I owe [redacted] $115.06.Desired Settlement: I would like an explanation of these charges, which I am happy to pay if they are in fact legitimate. Otherwise, I would like the Accounts Recovery Bureau to cease contacting me.

Consumer

Response:

From: [redacted]

Date: Wed, May 15, 2013 at 1:25 PM

Subject: Re: You have a new message from the Revdex.com of Metro Washington

DC & Eastern Pennsylvania in regards to your complaint #[redacted]

To: [email protected]

I am writing to inform you that I was able to resolve my complaint

#[redacted]. After I notified the Accounts Recovery Bureau that I had

contacted the Revdex.com, they were helpful in resolving my issue.

Thank you,

Review: I was in a ch 13 bankruptcy that recently ended. I had several accounts I was not aware of due to the practice of collection agency not being able to pursue those in bankruptcy. A credit report was run at the end of my ch 13. When I learned of the account with ARB, I called them; the account was from 2009, I paid it. They told me the credit agencies would be informed within 2-3 weeks.

A new credit report was run 4 weeks later and the accounts were still there. I called. They were not nice. They said I was misinformed the first time. They only remove accounts from the credit bureaus once a month, and only if it falls on a business day.Desired Settlement: ARB needs to accurately report paid accounts to the credit bureaus in a timely manner; otherwise, they are knowingly reporting false information for an excessive amount of time. Reading about this at consumer reports.org this is a punitive issue if taken to court. I have no desire to do this, I would just like to see people treated fairly.

Business

Response:

*

arb

ACCOUNTS RECOVERY BUREAU, INC.

P.O. Box 6768, Wyomissing, PA 19610

###-###-#### ? ###-###-#### ? Fax ###-###-####

Review: In reviewing my credit report I have an open collection for $140 for MED1 02 [redacted] dated opened 5/4/11. I have received no billing in regards to this issue, repeated phone calls and letters to Account Recover Bureau have resulted in no information to be be provided. I have no knowledge of this debt nor can I receive any information regarding it, you the provided was, what date the service occurred. I have not received bills for any radiology services. I would like to have this removed from my credit report but I cannot do so without information regarding the charge. Thank youDesired Settlement: And removal of the collection of the bill from my collection report. Thank you

Business

Response:

Review: Billing or Collection Issues

Complaint # [redacted]

Complaint Date: 8/15/2014