CFPB Complaint

Financial Credit Service, Inc. – CFPB Complaint ID 3042626

Consumer Complaint Submission

Date Received: 2018-10-10

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Today, XXXX XXXX, XXXX I talked to someone with a company called ARA, Inc. They had made two previous calls to my cell phone but never left messages, so I called the number to see what the calls were about. The person then proceeded to tell me they were calling to settle a debt from XXXX from a XXXX XXXX XXXX account in the amount of {$4000.00}. I told him the account he mentioned did not sound familiar. He mentioned the account was opened in a different state than where I lived in XXXX, then subsequently sold to different collection agencies. I reiterated to him, I didn’t even live in that state in XXXX. Not only that, but he repeatedly kept referring to me by my First and Middle names only. He had very detailed information about me and my credit record. He sited my complete social security number ; he referenced current accounts on my credit report, and then stated that I had good credit, ( ” re-established credit ” ) and then insinuated that he would do whatever necessary to recover the {$4000.00} and pursue legal action. He then accused me of using different names. I stated that in the 19 years I have lived at my current address, I have never been contacted by anyone regarding a XXXX XXXX credit card account, and at this point, all this was, was a random call to get money out of me and I requested he send me detailed information about the account / debt.

Company: Financial Credit Service, Inc.

State/Zip: AZ 853XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3042626

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