Complaints
This profile includes complaints for Account Recovery Specialists, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 6 total complaints in the last 3 years.
- 1 complaint closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:02/01/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have no contract with this company they need to cease contacting me on account that was included on chapter 7 bankruptcy,I was contacted by na Kline nichols I am giving them a notice or will file suit for damages,and harassment
Business Response
Date: 02/09/2024
Consumers
do not need a contract with a collection agency for a collection agency to take
steps to collect a debt. Collecting a debt also does not automatically give
rise to harassment, and Account Recovery Specialists, Inc (“ARSI”) stands by
its collection practices and is not, and would not, harass a consumer. As it
relates to the assertion related to the Chapter 7 bankruptcy filing, I have
reviewed the petition filed with the bankruptcy court and it does not list the
creditor at issue in the debt at issue in the complaint. It lists a business
with a very similar name and in doing a reverse address search, the notice of
the filing would have gone to yet another business with a similar name in
Florida. The creditor that hired ARSI to collect on its behalf is located in
Wichita, Kansas. Therefore, not only is the creditor name in the bankruptcy
filing not correct but it also wasn’t sent to the correct place. However, the
creditor has elected to assume it was the intended creditor even with the
numerous clerical errors and has written off the balance and the account is no
longer being collected by ARSI.Business Response
Date: 02/20/2024
ARSI attempted to collect a debt it thought was valid based on
information provided from the original creditor. Because of the information
provided by the consumer, ARSI was able to verify the debt it believed was
valid was discharged and it has since been cancelled in the collection system.
There will be no further attempts to collect or communication to the consumer,
which accomplishes what he’s ultimately asking for – no contact.Customer Answer
Date: 02/20/2024
Complaint: ********
I am rejecting this response because:
They should be fagged for their harrasment activities even when i informed them it was discharged but they kept insisting it wasnt i even gave them the bnkruptcy discharge number and attorney,they have caused headache and heartache to me and my family willfully,intentionally and negligently
Sincerely,
****** *******Initial Complaint
Date:12/06/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I trust this message finds you well. I am reaching out to address a pressing matter concerning the treatment of credit information by AMEX. Despite my previous attempts to resolve this issue, I find it necessary to inform you that if the matter is not promptly and satisfactorily addressed, I will be compelled to submit a formal complaint to the court for violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
**Background:**
I have identified several instances of improper credit reporting, including inaccuracies in the information reported by AMEX to credit reporting agencies and the reinsertion of negative information without proper validation. Additionally, there are concerns regarding potential violations of the FDCPA in connection with the handling of their account.
**Resolution Request:**
I am formally requesting that AMEX takes immediate action to:
1. Delete this account from their credit report.
2. Cease any unauthorized access to my credit information.
3. Confirm in writing the completion of the aforementioned actions within FIVE days of receiving this email.
**Notice of Intent to Pursue Legal Action:**
If the issues outlined above are not resolved within the specified time frame, I regret to inform you that I will have no alternative but to pursue legal action. This will involve submitting a formal complaint to the court seeking remedies under the FCRA and FDCPA, including but not limited to damages, attorney's fees, and any other relief deemed just and proper by the court.
I believe that an amicable resolution to this matter is in the best interest of all parties involved. I urge AMEX to take this matter seriously and act swiftly to rectify the reported violations.
Your cooperation in this matter is appreciated. I look forward to a prompt and satisfactory resolution.
Client's Information:
******** ***** ******* ******* **************** **** **** ** *** *********** ********** **Business Response
Date: 12/09/2023
The debt at issue is not being collected by Account Recovery Specialist, Inc. Our agency does not collect for ******** ******* or any other credit card debt. Account Recover Specialist, Inc. is not a data furnisher to any Credit Reporting Agencies.Initial Complaint
Date:05/08/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This business does not connect a consumer-debtor with an ARSI employee to provide the company's address for payment, who to make a check out to, or the amount of the debt. The company declines to provide this information when a consumer calls to obtain it. It also has not provided information in writing upon request. The ARSI operator states that there is one designated ARSI employee to speak with, who does not answer consumer calls. This company wants to call the consumer, rather than allowing the consumer to call to get information, written or not, to clarify or confirm or to pay in full. If you call the creditor, the creditor refers you to ARSI, and the creditor does not, or cannot, provide the designated ARSI account number, that would enable the consumer to register to view the amount due or to pay in full on the website.Business Response
Date: 05/10/2023
The collection agency at issue in the complaint is not Account Recovery Systems, Inc., located in ******** ******. This seems evident by the description of the experience with the agency because it does not match how Account Recovery Systems, Inc. handles consumer conversations. Even if an account manager is unavailable to speak to a consumer, receptionist are always available during business hours to provide a mailing address or web address for payment inquiries. Furthermore, the consumer filing the complaint is located in **********, where there is another collection agency of a similar name. We would encourage the consumer to closely verify her records to confirm she is reaching out to the correct agency. The consumer is welcome to email our collection team directly via our secure website at www.arsico.com.Customer Answer
Date: 05/10/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
Karen ******
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