Debt collection -- Written notification about debt -- Complaint #18685525

Complaint Overview

Complaint ID: 18685525

Company: Ars National Services, INC.

Product: Debt collection

Sub-Product: Credit card debt

Issue: Written notification about debt

Sub-Issue: Didn't receive enough information to verify debt

State: Florida

ZIP Code: 33064

Date Received: 2025-11-19T12:00:00-05:00

Date Sent to Company: 2026-01-13T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2025 ARS National Services Inc . XXXX XXXX XXXX XXXX, CA XXXX Re : Multiple Alleged Debts to XXXX XXXXXXXX XXXX XXXX XXXX. ( Reference Numbers : XXXX, XXXX, XXXX, XXXX ) Dear ARS National Services Inc. : I am writing in response to your multiple letters regarding alleged debts you claim I owe to XXXX XXXX XXXX XXXX. Specifically : Your letter dated XX/XX/2025, referencing Account Number Ending in XXXX and Reference Number XXXX, for an alleged amount of {$3300.00}. Your letter dated XX/XX/2025, referencing Reference Number XXXX, for an alleged amount of {$1300.00}. Your letter dated XX/XX/2025, referencing Reference Number XXXX, for an alleged amount of {$1400.00}. Your letter dated XX/XX/2025, referencing Reference Number XXXX, for an alleged amount of {$3100.00}. This is a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for each and every one of these alleged debts. I invoke all my rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state laws. I dispute the validity of each alleged debt in its entirety and demand that you immediately cease all collection activities, including but not limited to compulsive phone calls, emails, letters, or any other form of communication, until you provide full and complete validation as detailed below for every single debt. Failure to comply will result in my reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities, and I will pursue all legal remedies available, including suing for statutory damages up to {$1000.00} per violation under the FDCPA. For EACH of the alleged debts listed above ( identified by their respective reference numbers ), you must provide, without delay, EVERY SINGLE PIECE of the following information and documentation to validate that specific debt. Do not withhold any details or provide partial responses, anything less than absolute compliance for each debt will be considered a refusal to validate and a violation of federal law : The full name, physical address, phone number, and any alternative names or DBAs of the current creditor to whom the debt is allegedly owed, along with the account number they use and the exact current amount owed, broken down by principal, interest, fees, and any other charges. If this debt originated with a different creditor, provide the full name, physical address, phone number, and any alternative names or DBAs of the original creditor, the original account number, the exact amount owed at the time of transfer, the date of transfer, and proof of how and when the current creditor acquired the debt, including the full chain of title with dates, amounts, and parties involved in every assignment or sale. A complete, unredacted copy of the original written agreement or contract that allegedly created my obligation to pay, signed by me, including all terms, conditions, interest rates, and any amendments. If no such agreement exists, explain in detail why and provide alternative proof of the debt 's origin. If this debt is based on someone else 's obligation ( e.g., co-signer, identity theft, or error ), identify that person fully ( name, address, relationship to me ) and provide documentation proving why I am legally responsible. A detailed breakdown of the amount and age of the debt, including : A copy of the last billing statement from the original creditor. The exact amount of the debt when you acquired it, the date of acquisition, and a full itemized history of all charges, payments, credits, interest accruals, and fees from the debt 's inception to the present, with dates and explanations for each entry. The date of the alleged default and the statute of limitations for collection in my state ( Florida ), with proof that this debt is not time-barred. Verification and documentation proving a valid legal basis for claiming I owe this to the current creditor, including but not limited to : Proof of your legal authority to collect this debt in Florida, including your license or registration number if required. All correspondence, notices, or communications related to this debt from the original creditor to me. Any judgments, court orders, or legal filings related to this debt. Proof that this debt has not been discharged in bankruptcy, settled, or otherwise resolved. A sworn affidavit from a person with personal knowledge attesting to the accuracy of all provided information and documentation, including their name, title, and contact information. Any and all other records, logs, notes, recordings, or data related to this account, including call logs, payment histories, and internal memos. Until you provide EVERY item listed above in full, without exception, for EACH alleged debt, you are prohibited from contacting me in any way, shape, or form regarding any of these matters. This includes no phone calls ( compulsive or otherwise ), no letters, no emails, no texts, and no reports to credit bureaus. Any contact before full validation of all debts will be treated as harassment under the FDCPA and will trigger immediate legal action. Send all validation materials to the address above via certified mail with return receipt requested, clearly organized by reference number for each debt. I expect your full compliance within 30 days. Failure to validate any or all of these debts will result in my demanding deletion of these items from my credit reports under the FCRA and pursuing damages. Sincerely, XXXX XXXX XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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