Complaints

This profile includes complaints for Arcadia Recovery Bureau, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Arcadia Recovery Bureau, LLC

  645 Penn St Fl 4 Reading, PA 19601-3559

• 

  Arcadia Recovery Bureau, LLC

  2049 Silas Deane Hwy Ste 305 Rocky Hill, CT 06067-2332

• 

  Arcadia Recovery Bureau, LLC

  PO Box 6768 Wyomissing, PA 19610-0768

• 

  Arcadia Recovery Bureau, LLC

  105 Lafayette St Norwich, CT 06360-2708

• 

  Arcadia Recovery Bureau, LLC

  2049 Silas Deane Hwy Ste 225 Rocky Hill, CT 06067-2332

The 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:12/12/2023

  Type:Service or Repair Issues
  Status:

  UnresolvedMore 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 receive daily recorded calls stating for me to call back regarding a debt. I have not received any statements in the mail regarding any debt I owe, from this company or anyone else. I have called them back multiple times and the call goes to a general voicemail box. If I owe a debt, please mail me an itemized statement. Your current telephone process is not working to the benefit of resolution. Do not report me to the credit bureaus as I have done my part by attempting to reach you to resolve this matter.

  Business Response

  Date: 12/14/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. Based upon a review by our Compliance and Operations Departments,we can confirm that when Arcadia received this account from our creditor client, we mailed an initial notice to the consumer at the home address we have on file, and it was not returned by the post office for any undeliverable reason. We do apologize that the consumer has been unable to contact us by phone and we will do our best to reach out to her directly to assist her with this account. Meanwhile, per her request, we are mailing her an itemized statement of the debt, and are happy to inform her that Arcadia does not report any accounts to any of the credit bureaus.
  
  This is a communication from a debt collector. Thank you.

  Customer Answer

  Date: 01/12/2024

  Hello

  I have not received any statement from this company. What is the mailing address they have for me?

  Unfortunately repeated attempts at calling them directly fail to connect me with a representative. 
  

  Thank You

   

• Initial Complaint

  Date:11/17/2023

  Type:Delivery Issues
  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 was contacted by this business, located in Reading, PA. They stated in the letter I was charged after an ER visit in *************, however I was never seen in the emergency room. Secondly, ************* doesn't bill patients from an outside business in Reading, PA. Also the address listed for the business is a private post box, which isn't a business address. This company is posing as a debt collector in order to acquire funds from people via fraudulent practices. I no longer wish to receive correspondence from this business. I also am submitting this complaint to ensure others aren't contacted by this scam as well. I can be reached via email or telephone for further questions.

  Business Response

  Date: 12/08/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. Based upon a review by our Compliance and Operations Departments, we believe that the account has been handled properly and there remains a valid debt due and owing from the consumer.
  
  We have identified several errors in the consumers complaint:
  Our initial notice does not normally indicate where the services were rendered as it only states the client name, so we are unsure of how the consumer alleges that the letter states the services were provided in the emergency room.
  ************* did not retain Arcadia for billing purposes. They have identified the consumers account as being in bad debt and outsourced the debt collection function to Arcadia. The letter Arcadia sent is required by the Fair Debt Collection Practices Act.
  Post Office boxes are frequently used by companies to assist with processing mail, and the box on the letter is leased by Arcadia, which is an authorized third party debt collection agency.
  The consumer has stated that she can be reached by phone or email but then provides a desired settlement of no further contact by the business. Due to this contradiction, Arcadia is taking the conservative approach to mark this account as being disputed and as a complete cease and desist and all collection activity has stopped.
  
  This is a communication from a debt collector. Thank you.

• Initial Complaint

  Date:10/20/2023

  Type:Billing Issues
  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.

  Dear BBB Team, I am seeking your assistance to contact Arcadia Recovery Bureau LLC after the company sent me an intimidating letter advising me they are looking to collect an exorbitant amount of $1,236 in relation to medical services. First, I totally dispute this debt, since I never received a corresponding invoice for that amount. It shows a very serious lack of care and unprofessionalism from the Agency that they would send a letter not matching any real bill. How can this ever happen? One can seriously wonder if that Agency is looking to scam distracted customers? Second, the letter does not give any detail about the medical services they refer to. How do they expect customers to prove Arcadia is wrong? Do they even check that the supposed bill is correct and the amount means anything? Do they perform any cross-check of details via Insurance companies? Third, I called up the number on Arcadia's letter and the representative was particularly unhelpful about how to proceed and eventually hung up on me. I greatly appreciate your help in getting Arcadia to formally apologize for the confusion and stress they cause upon customers. They need to revert confirming their letter is fully erroneous and give assurance this will never happen again. I am also seeking a symbolic $100 indemnification for the stress Arcadia caused me. Best regards

  Business Response

  Date: 10/27/2023

  “Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumer’s complaint. Based up on a review by our Compliance and Operations Departments, we have determined that the account has been handled properly and in accordance with the law.
  
  The consumer’s complaints about Arcadia’s initial notice are unfounded. Arcadia is a debt collector and is required to comply with multiple state and federal laws and regulations, including those published by the ******** ********* ********** ****** (****). Over a year ago, the **** published Regulation F which specified the exact information the must be supplied in the initial notice of a debt collector, and our initial notice complies with those requirements. If the consumer does not like the form or information provided (or lack thereof), that is not the fault of Arcadia. Second, Arcadia does not control what bill, invoices or statements our clients mail out prior to us receiving the account. We receive all balance and customer information directly from the client – they tell us how much is due and owing and that it the amount we attempt to collect. Finally, we have checked our systems and have no record of ever receiving any calls from or making any calls to this consumer.
  
  We have marked the account as being disputed and are mailing the consumer documentation of the debt.
  
  This is a communication from a debt collector. Thank you.”

  Customer Answer

  Date: 11/13/2023

  [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 as Answered]
  
  
  
   Complaint: ********
  
  
  
  I am rejecting this response because:
  

   would like to reject the business' response and carry on with my complaint given the below circumstances:

  • I have never received any invoice or bill for the amount of Arcadia are mentioning
    
  • I contacted the medical service provider and they did not recognize that amount either
    
  • Separately I checked my insurance provider records and here again could not reconcile that amount
    

  I shall be extremely grateful if you could help reopen the complaint so that I can ensure it is resolved in full.  I thank you in advance for your kind help.

  
  
  Regards,
  
  
  
  ******* *******

  Business Response

  Date: 11/17/2023

  Thank you for providing Arcadia Recovery Bureau, LLC the
  opportunity to respond to this consumer’s complaint.
  
  As stated in our initial
  response, the consumer did not receive a bill from the creditor because
  they had an incorrect address. Not receiving a bill from the creditor does
  not make the debt invalid, and we have confirmed with our client that we
  are collecting the correct amount.
  We do not know whom you
  spoke with at the creditor’s office, but we have been assured through our
  contacts that the balance is correct, and remains due and owing.
  Again, as stated in our
  initial response, the consumer never provided the creditor with any
  insurance information, so it was never billed. As such, they won’t have
  any information either.
  
  If the consumer will contact our office at the number
  provided in our initial notice, we can obtain the insurance information and
  provide it to the creditor to attempt to bill the insurance.
  
  This is a communication from a debt collector. Thank you.”

  Customer Answer

  Date: 11/20/2023

  [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 as Answered]
  
  
  
   Complaint: ********
  
  
  
  I am rejecting this response because:
  

  The response from Arcadia Recovery Bureau is factually incorrect.  I did provide the creditor my Insurance on the day of my visit to ER at ***** *****.  I do have medical insurance and I paid my ER copay for the visit on that day.

  I regret Arcadia's lack of diligence and the fact they are not giving me the benefit of the doubt by cross-checking their information.

  The fact that apparently ***** ***** sent me a bill to an address I have not lived at for over four years should have alerted Arcadia to the possibility that the creditor did not process the bill correctly.

  While I was in pain during my visit to ER on 7/17, I do remember that the nurse who took my Insurance card and my credit card for the copay mentioned that their system was down and she had to input a manual entry.

  I very strongly suspect this is the reason why teh bill did not go through correctly with my insurance information,
  

  I wish Arcadia gave a lot more consideration to customers words and respected the time I took to solve the issue so far.  At a minimum, I wish they took steps to go back to the creditor promptly and work to have this issue solved as none of this was caused by me.

  
  Regards,
  
  
  
  ******* *******

  Business Response

  Date: 12/15/2023

  “Thank you for giving Arcadia Recovery Bureau, LLC the
  opportunity to respond to the consumer’s follow up complaint. We would like to
  address the consumer’s issues specifically:
  
  We contacted the
  client/creditor regarding the missing insurance information and THEY are
  the ones who informed us that the insurance was not provided. There’s not
  much we can do if that is incorrect, however, we CAN take the consumer’s
  information now and pass it to the client to try and rebill the insurance
  company.
  Arcadia did in fact
  cross-check the consumer’s statements based on our communication with our
  client.
  Arcadia was not aware
  that the client sent their bill to an incorrect address for the consumer
  until the consumer raised the issue and disputed the debt, and then we
  investigated the consumer’s allegations.
  We don’t dispute the
  consumer’s recollection of the events. All we were advised was that the
  insurance information was not provided, but we agree that this was likely
  the cause of the issues.
  Arcadia fully respects
  the information provided by the consumer, and in accordance with our
  requirements, investigated the matter directly with our client/creditor.
  
  Again, if the consumer is willing to contact us and provide
  the insurance information, we can send it to the client and attempt to have it
  billed.
  
  This is a communication from a debt collector. Thank you.”

• Initial Complaint

  Date:07/25/2023

  Type:Billing Issues
  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.

  This collection agency is harassing me for a made up debt in a state I don't live or have a business in . Its for some business license renew for 2023 for 62.70 . I don't have a business nor anything to renew or even do business in that state or any state .

  Business Response

  Date: 07/31/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. Based upon a review by our Compliance and Operations Departments, while we do have an account for this consumer, we have been unable to verify the details and as such we have closed the account entirely.
  
  This is a communication from a debt collector. Thank you.

• Initial Complaint

  Date:07/22/2023

  Type:Billing Issues
  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.

  Arcadia is charging me $25. I do not owe this to **** ********.

  Business Response

  Date: 07/24/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to reply to this consumers complaint. Based upon a review by our Compliance Department and Operations Department, we have confirmed with the client’s records that the consumer does in fact owe the balance Arcadia is attempting to collect. We have marked this account as being disputed and will obtain and mail a copy of the consumer’s itemized statement to the home address on file.
  This is a communication from a debt collector. Thank you.

• Initial Complaint

  Date:07/15/2023

  Type:Billing Issues
  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 keep receiving debt collection attempts from this company. I have responded in writing via email and mail asking for verification of the debt and the original companys information. I have also asked them to cease and desist any further attempts to contact me regarding this issue. No responses were been received, yet the collection efforts persist and are now on my credit report as recollections negatively impacting my credit score. Without documentation to identify this debt I have no proof that this debt is even legitimate. Because of the constant notices requesting payment, absent the information I requested which I am entitled to by law, this has now turned into harassment. I again am demanding a cease and desist from this agency, and will not tolerate any further attempts to contact me.

  Business Response

  Date: 07/19/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. Based upon a review by our Compliance and by our Operations departments, we believe that the account was handled properly. Arcadia does not have an email address where it accepts consumer communications and to our knowledge, we never received an email from the consumer. If documentation can be provided, that would be appreciated so we can investigate further.
  
  Additionally, Arcadia does not report any accounts to any of the credit bureaus so the consumer must be mistaken. Again, if documentation can be provided, that would be appreciated so we can investigate further. Nevertheless, we have marked all of the consumers accounts as being disputed and as a cease and desist, so no further communications will be made. We will not order or send the consumer an itemized statement (in accordance with the request to cease and desist) unless the consumer contacts us and instructs otherwise.
  
  This is a communication from a debt collector. Thank you.

  Customer Answer

  Date: 07/19/2023

  [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 as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  
  At the very least, an itemized statement could have been mailed prior to putting the account in a cease and desist status. I have unfortunately had all my belongings stolen and do not have access to the letter that was previously submitted. I am so fed up with the frequency of communications and lack of consideration from this company.
  Regards,
  
  ****************
  

• Initial Complaint

  Date:06/19/2023

  Type:Billing Issues
  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.

  Continues calls however when I call back I'm placed on hold and then members are rude - I have no business with ARB, this is a complete harassments issue. At this point ARB can either cease and desist. Or I can have our attorney handle this matter it's their choice. Remove me from your calling list at once. No reply needed.

  Business Response

  Date: 07/20/2023

  This was responded to on 07/10/2023 here is the response that was originally sent over.

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. This appears to be the second complaint from this consumer, but regretfully, we are unable to locate an account under either the name, phone number or email address that the consumer has provided. Its possible the consumer is confusing us with another company, but we are blocking her number from our systems as a precaution.
  
  This is a communication from a debt collector. Thank you.  

• Initial Complaint

  Date:06/15/2023

  Type:Billing Issues
  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.

  Sending me notices in the mail that I owe my healthcare provider $30 but I have zero outstanding balances with my healthcare provider. I dont even know what this company is.

  Business Response

  Date: 06/28/2023

  "Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. Unfortunately, we do not have enough information to locate an account for this consumer. We were unable to locate anything under the name or phone number provided. If the consumer can provide an address or call us at ************** to provide a social security number, we would be able to research this matter further and determine whether or not we have an account for this consumer.
  
  This is a communication from a debt collector. Thank you."

  Customer Answer

  Date: 06/28/2023

  [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.]
  
  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. 
  
  Regards,
  
  *******************
  

• Initial Complaint

  Date:06/13/2023

  Type:Billing Issues
  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.

  This company continues to call me and harass me, stating they are collecting a debt in which I have no idea what it is for. For example they have called me 5/26 @ 4:36pm, 5/31 @ 9:11am & 6/8 @ 8:45am. All of these 3 times I have been at work and unable to answer phone calls. They left very vague voicemails on 2 of those instances. At this point I am requesting a cease and desist and would like to not be contacted again.

  Business Response

  Date: 08/14/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumer’s complaint. Per her request, we have marked the account as being disputed and as a cease and desist. No further collection activity will take place.
  
  This is a communication from a debt collector. Thank you.

  Business Response

  Date: 08/15/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumer’s complaint. Per her request, we have marked the account as being disputed and as a cease and desist. No further collection activity will take place.
  
  This is a communication from a debt collector. Thank you.

• Initial Complaint

  Date:05/02/2023

  Type:Billing Issues
  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.

  05/02/2023- I spoke to a customer service rep; **************************** I called Arcadia to inquire why the bill I have been paying on since 03/04/2022 has increased instead of decreased. He told me 2 other bills were added; 1 for $60.00 and 1 for $450.00, I do not have proof of where these bills are from. Then he said I would need to start paying over $200 per month because the bills were from over 1 year ago. I paid $200 on 03/04/2022 and $100 per month since 04/05/2022. Total payments made to date $1,400.00. I asked why if I have been paying in good faith for over a year why they would resume collections activities again. He said because the debt is over 1 year old regardless that I have been paying every month. When I stated I can not afford to pay more than $100.00 per month, he said well then collection activities would then resume. This doesn't not seem legal to report on my credit report or resume collection practices against me after I have been paying for this long. I am a single women on a limited budget, and I am doing the best I can. I never received any documentation stating the agreement was good for only 1 year. Why would they have allowed the payment arrangement then to begin with? I also never received any documentation telling me that $450 was added to my bill with Arcadia, but the total remaining balance increased, which is what lead me to call today. When I asked to speak with a supervisor, I was put on a long hold and told someone named ***** would call me back. I am requesting that my original payment agreement be honored without further collection activities or reporting to my credit report. Please advise. Thank you,

  Business Response

  Date: 05/19/2023

  Thank you for giving Arcadia Recovery Bureau, LLC the opportunity to respond to this consumers complaint. Based upon a review by our Compliance Department and our Operations Department, we believe that the company acted appropriately and in accordance with all applicable laws.
  
  This consumer had an account with us and was set up on a secured payment plan. Due to legal restrictions, this plan can only last 12 months and after then it needs to be reviewed. If this was not initially discussed with the consumer we apologize as we normally review those terms at the time the arrangement is set. During the 12 months, 2 new accounts came in from the same creditor for the consumer, and in accordance with the Fair Debt Collection Practices Act, the consumer was notified by mail. When the 12 months ended for the first account, the consumer spoke with an agent who explained that 2 more accounts came in and the balance increased but her existing plan (which had to be renewed) was not sufficient to cover the additional accounts. When the agent tried to connect the consumer with a supervisor, the consumer disconnected the call. When the consumer called in again, the agent ultimately agreed to continue to honor the amount of the existing plan for another 12 months.
  
  This is a communication from a debt collector. Thank you.