Debt collection -- Attempts to collect debt not owed -- Complaint #6708311
Complaint Overview
Complaint ID: 6708311
Company: Ars National Services, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Tennessee
ZIP Code: 37343
Date Received: 2023-03-16T12:00:00-05:00
Date Sent to Company: 2023-03-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023 ARS National Services Inc attempted to contact me about an alleged debt that was incorrectly owed. As 15 U.S. Code 1692g this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given ARS National Services Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. ARS National Services Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me. Second ARS National Services Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Third ARS National Services Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXXXXXX XXXX XXXX ( XXXX XXXX. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. ARS National Services Inc shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. I expect there will be no further efforts for ARS National Services Inc to collect on this allegedly incorrectly owed debt. If ARS National Services fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
Frequently Asked Questions
What is Complaint #6708311 about?
Complaint #6708311 was filed against Ars National Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-03-16T12:00:00-05:00.
How did Ars National 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 Ars National Services, INC.?
Yes, visit the Ars National Services, INC. company profile at readthecomplaint.com/company/ars-national-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.