Debt collection -- False statements or representation -- Complaint #11823228
Complaint Overview
Complaint ID: 11823228
Company: Arl Credit Services, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Nebraska
ZIP Code: 686XX
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
1 ) XXXX XXXX XXXX XXXX XXXX, filed a lawsuit against me without first verifying or validating the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 2 ) I received no prior written notice of the debt, nor was I provided with information about the creditor or the amount owed within five days of initial contact, as required by law. 3 ) XXXX has not provided sufficient documentation to establish ownership of the alleged debt or its validity. 4 ) The original creditor, XXXX XXXX XXXX, failed to offer financial assistance, despite my eligibility under federal and state laws due to my XXXX and XXXX status. 5 ) ARLs failure to validate the debt, misrepresentation of its ownership, and initiation of legal action without proper documentation constitute deceptive and unfair practices.
Frequently Asked Questions
What is Complaint #11823228 about?
Complaint #11823228 was filed against Arl Credit Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-01-28T12:00:00-05:00.
How did Arl Credit Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Arl Credit Services, INC.?
Yes, visit the Arl Credit Services, INC. company profile at readthecomplaint.com/company/arl-credit-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.