Debt collection -- Attempts to collect debt not owed -- Complaint #5224580
Complaint Overview
Complaint ID: 5224580
Company: A.R.M. Solutions, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 95608
Date Received: 2022-02-15T12:00:00-05:00
Date Sent to Company: 2022-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The XXXX XXXX, our local newspaper, asserts we owe them a debt because we chose not to renew a subscription. Their price kept going up, their product quality kept going down, and we let the subscription lapse. For the next 90 days, they continued delivering the paper to our door. During and after that, they repeatedly sent invitations to renew. The most recent said You recently canceled your subscription Were inviting you to re-subscribe with this special [ price ]. In the same invitations, they demanded payment for the 90 days and threatened debt collection. Now their debt collector A.R.M Solutions demands payment and threatens our credit rating. This is nonsense. Any company that sends unsolicited sample products to encourage potential customers to buy has no contractual claim to payment for those samples. This is XXXX XXXX XXXX The XXXX cant both recognize we canceled the subscription and demand payment for issues we didnt request. This is outrageous and illegal. We will reply to ARM immediately after complaining to relevant regulators.
Frequently Asked Questions
What is Complaint #5224580 about?
Complaint #5224580 was filed against A.R.M. Solutions, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-02-15T12:00:00-05:00.
How did A.R.M. Solutions, 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 A.R.M. Solutions, INC.?
Yes, visit the A.R.M. Solutions, INC. company profile at readthecomplaint.com/company/a-r-m-solutions-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.