ARCO Collection Company

Complaint [redacted] customer serviceArco Collections contacted me the 1st time last week 10/10/13 on my cell phone, I answered & spoke with a lady [redacted] she said I didn't pay my BR attorney fee of $500.00, I said I believe I did however I will need to check my account to make sure, that I would call her back. She called my office yesterday 10/17/13, I answered due to it's two people in the office myself & the owner, she said I need to verify employment, I said I do work here, she said I need to speak to someone else, I told her it's the owner & he's not in...She was very rude & said "so your the only one" I explained to her, yes, she asked for my boss's name, I gave it to her, she called his HOME last night. Now, I'm not complaining for her doing her job, however she has only contacted me ONCE & didn't give me the opportunity to call her back which I planned on doing, since I'm working on my credit. I called [redacted] this morning to let her know, that I closed my account this is why the last check I wrote to attorney was returned, that I want to pay the collection in full 1/15/14. She said NO, I can't hold it for two months, period. I couldn't understand that since she JUST stared the collections process, & I want to pay the account. Thank you.Desired SettlementTo pay off the collection on offered date of 1/15/14, please.Business Response Revdex.com Serving the Mid-South3693 Tyndale DriveMemphis, TN 38125Attn: [redacted]Dispute Resolution Specialist Re: [redacted]Case No. XXXXXXXDear [redacted]:I am in receipt of your letter of October 22, 2013 in regards to a customer complaint received by the above referenced complainant. The above referenced account was referred to Arco Collection Services by the creditor, [redacted] & [redacted] on October 7, 2013. The account was placed in the hands of [redacted] who immediately made an attempt to call [redacted] made contact with [redacted] at 3:37 pm on October 7, 2013, at which time [redacted] said she would call back to get this resolved. [redacted] indicated that she works full time as the Office Manager for [redacted] On October 17, 2013 [redacted] called [redacted] and asked to speak to someone in their Human Resources Department to verify [redacted]'s employment and was informed by [redacted] that they did not have an HR Department, so [redacted] asked for the name of the owner, to which [redacted] replied, [redacted] asked for a return call from [redacted] On October 18, 2013, [redacted] called and stated that she could not pay anything until January 14 2014. [redacted] advised [redacted] that she could not hold the account three months without a payment especially since the debt incurred on or about January 17, 2012. Ms. Hill called [redacted]'s place of employment in an attempt to get verification from [redacted] who stated that [redacted] was employed full time as the Office Manager, but could not verify anything else without a written request. This matter was handled with the utmost respect and in a professional manner all in process of attempting to collect a debt. At no time was there any violations of the FDCPA (Fair Debt Collection Practices Act) in regards to the above referenced debtor. Very truly yours,[redacted]General ManagerFinal Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)[redacted] didn't asked for anything before the Jan.2014 offered pay off. She said no, period. To call my boss at his home is very unprofessional!!

The customer service agent was rude and would not listen to my complaint. I have received more than one letter from this collection service. I filed bankruptcy 4 years ago and all the charges this company's trying to collect for are all listed on my bankruptcy. I spoke with [redacted] who was extrememLy rude & talked over me every time I tried to speak. After a few minutes of this I told her I would just have my attorney call because my 21 year old daugher was just killed and I didn't have the time or energy to fight with her. Mrs [redacted] response was "it is not our problem ur daughter died" I just hung up then. My sweet daughter was thrown from a 4 wheeler caused by a Southaven Cop whoDesired SettlementI want no further contact from this company or [redacted]. For anyone to say what she said to me about my daughter was was killed by cop and then left her to die in the street because he is a coward. She was 21years old. Business Response Our rep did contact complainant however the complainant cussed her and then kept calling our office. we had to disconnect the call she was so irate. Now that we have all the info on her that we needed she will not be contacted again

I was contacted by represenitive that was rude and not helpful in the least. The policies of this company are not handled professionally. I was called by an employee for the first time and was told I was being sued. That my payroll was contacted and so on. He didnt explain anything to me. He was rude and even hung up on me.I was not notified about this issue through this company. There should have been notification before going forward with the claims. Desired Settlementno settlement requestedBusiness Response I apologize for the length of time that has gone by without this being dealt with. We are a small office and my general manager is usually out doing sales calls so things don't always come too my attention until he brings it too me, however now that I am aware of the complaint listed by the consumer, here is a answer to that complaint for case # XXXXXXXX:My office received a collection account by my client on 09/19/14. When the account is placed with our agency it is the 3rd party meaning that 2 other agencies have already received this account and the consumer hasn't resolved with those collection agencies. Our job is too simply find out if these individuals are employed and give them a opportunity to pay once we have made contact and if not then we will take further actions. Contact was made with the consumer, on 10/17/14 in which the consumer was made aware of the debt. Consumer claimed that insurance should of paid, and I explained to consumer that 1) the insurance did pay, 2) the amount paid 3)what her original balance was before insurance paid 4) explanation of benefits from her insurance shows what her responsibility was to pay. It was evident that the consumer was unhappy that she was in collections. Consumer stated she had never been called by the creditor or any other agency, which I told her I can't speak for what anyone else has done prior to my company receiving the collection account. I can understand being upset about being in collections most people are but this account was handled like every other account in collection and consumer was just upset about the situation. We made contact with consumer and consumer wasn't willing to set up payment arrangement and we had already talked to her job to verify employment and we explained the situation and consumer got irate and we told her we won't sit here on the phone and listen to her scream and told her to have a good day and disconnected the call. Notifications were sent to the consumer. It is our position that everything was done appropriately. I can understand the consumers frustration about being in collections, however consumer was spoken too in a professional manner as we do to all our accounts. I ask that once this investigation has closed that you provide our company with something showing that it has been dismissed accordingly. I really do appreciate your patience in this and hope to clear this up very soon.Thanks,[redacted]Office ManagerXXX-XXX-XXXX