Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/12/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt ***** *********.
  I not have a contract with ACCOUNT RESOLUTION COR they did not provide me with the original contraact as i requested.

  

  Business Response

  Date: 07/25/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 7/12/23. The
  consumer indicates that the consumer is not liable for a debt with a specific
  creditor. The consumer indicates there is no contract between the consumer and
  ARC. The consumer indicates ARC did not provide a copy of the contract ARC has
  with the consumer as requested. The consumer’s desired resolution is for a
  correction to their credit report and the account to be removed from the
  consumer’s credit report.
  Upon receipt of
  the complaint, ARC reviewed the account in question. The consumer will be sent documents
  that meet the requirements for debt validation on 7/25/23. ARC has agreements
  with creditors to forward accounts for collection. An agreement is not required
  between the consumer and ARC. ***** ** ***** **** ********* ** *** called the
  consumer on 7/25/23 but was not able to reach the consumer.
  ARC would like
  the consumer to know that their office is available to discuss the account/complaint
  at any time. Since ARC will mail debt validation to the consumer, and ARC has attempted
  to contact the consumer, there was nothing further for ARC to do at this time
  as it relates to the complaint. However, ARC remains available to discuss the
  complaint with the consumer at any time.
  Our office is
  in receipt of complaint ******** on 7/12/23. For all the reasons identified
  above, our office is closing the complaint with an explanation.
  Our office
  considers this complaint resolved. Please contact our office if you have any
  additional questions. Thank you. 

• Initial Complaint

  Date:07/07/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Account Resolution Corp, I do not have a contract with Account Resolution Corp, they did not provide me with original contract as requested.

  

  Business Response

  Date: 07/24/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 7/7/23. The
  consumer indicates that the consumer is not liable for a debt with a specific
  creditor. The consumer indicates there is no contract between the consumer and
  ARC. The consumer indicates ARC did not provide a copy of the contract ARC has
  with the consumer as requested. The consumer’s desired resolution is for the
  account to be removed from the consumer’s credit report.
  Upon receipt of
  the complaint, ARC reviewed the accounts in question. The consumer was sent documents
  that meet the requirements for debt validation on 6/15/23. ARC has agreements
  with creditors to forward accounts for collection. An agreement is not required
  between the consumer and ARC.
  ***** ** ***** **** President of ARC spoke to the consumer on 7/24/23. The consumer did not
  recall receiving the services. The consumer did ask about a settlement. ARC
  informed the consumer that if this were identity theft, ARC would mail the
  consumer an FTC Identity Theft Victim’s Complaint and Affidavit and if the
  consumer completes the Complaint and Affidavit form and returns it notarized
  with a police report to ARC, ARC will continue the investigation and review of
  the account.
  ARC would like
  the consumer to know that their office is available to discuss the accounts/complaint
  at any time. Since ARC mailed debt validation and an FTC Identity Theft
  Victim’s Complaint and Affidavit to the consumer, and ARC has spoken to the
  consumer, there was nothing further for ARC to do at this time as it relates to
  the complaint. However, ARC remains available to discuss the complaint with the
  consumer at any time.
  Our office is
  in receipt of complaint ******** on 7/7/23. For all the reasons identified
  above, our office is closing the complaint with an explanation.
  Our office
  considers this complaint resolved. Please contact our office if you have any
  additional questions. Thank you.
  

• Initial Complaint

  Date:06/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Midwest Radiological Associate. I do not have a contract with Account Resolution Corp, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/18/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 6/25/23. The
  consumer indicates that the consumer is not liable for a debt with a specific
  creditor. The consumer indicates there is no contract between the consumer and ARC.
  The consumer indicates ARC did not provide a copy of the contract ARC has with
  the consumer as requested. The consumer’s desired resolution is for a
  correction to their credit report and the account to be removed from the
  consumer’s credit report.
  Upon receipt of
  the complaint, ARC reviewed the accounts in question. The consumer was sent documents
  that meet the requirements for debt validation on 7/18/23. ARC has agreements
  with creditors to forward accounts for collection. An agreement is not required
  between the consumer and ARC. ***** ** ***** **., President of ARC called the
  consumer on 7/18/23 but was not able to reach the consumer.
  ARC would like
  the consumer to know that their office is available to discuss the accounts/complaint
  at any time. Since ARC mailed debt validation to the consumer, and ARC has attempted
  to contact the consumer, there was nothing further for ARC to do at this time
  as it relates to the complaint. However, ARC remains available to discuss the
  complaint with the consumer at any time.
  Our office is
  in receipt of complaint ******** on 6/25/23. For all the reasons identified
  above, our office is closing the complaint with an explanation.
  Our office
  considers this complaint resolved. Please contact our office if you have any
  additional questions. Thank you. 

• Initial Complaint

  Date:03/18/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  February 20th I was sent 3 letters (references: *******, *******, *******) detailing 3 open accounts (account numbers: *******, *******, *******).
  
  The reason I am complaining here is because this business cannot be reached in any way.
  The letters state the following methods of correspondence:
  I supposedly can reach them by phone; yet I am unable to speak to anyone.
  I can file a dispute the accounts electronically, except no email address is listed nor does their website actually have ANY options to dispute or even contact them about these accounts.
  
  For a business to be this poorly reachable by phone or via the internet is outrageous; it's not the 90's anymore, we should be able to reach out to each other in a more timely and reliable manner than snail mail.
  
  I have seen other complaints received direct communications from this business, I would like to know what number I can actually call to speak to someone.
  
  The accounts themselves have been settled with the original creditor and I have attached the receipt to this complaint.

  

  Business Response

  Date: 03/21/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 3/18/23. The
  consumer indicates ARC cannot be reached in any way. Consumer indicates the
  accounts were settled with the creditor. The consumer’s desired resolution is contact
  by the business.
  
  ARC can be
  reached in multiple methods. ARC has live people answering inbound phone calls M-TH
  8 am CST to 7pm CST and Fr 8am CST-4:30pm CST.  Consumers can also reach ARC by website at **************.  Consumers can also mail correspondence to ** *** **** ************* **  *****.
  ***** ** ***** **** ********* of ARC called the consumer on 3/21/23.  Mr. **** let the consumer know the accounts
  were paid in full and closed.  Mr. ****
  also reviewed the methods of communication listed above and available with
  consumers and ARC.  Mr. **** and the
  consumer agreed that his phone call during office hours that was not answered
  was a phone carrier issue because after hours he did reach the ARC after hours
  voice mail greeting.
  
  Since the
  accounts are closed and the consumer’s desired resolution was met, there was
  nothing further for ARC to do currently as it relates to the complaint.
  However, ARC remains available to discuss the complaint with the consumer at
  any time.
  
  Our office
  is in receipt of complaint ** ******** on 3/18/23. For all the reasons
  identified above, our office considers this complaint resolved. Please contact
  our office if you have any additional questions. Thank you. 

• Initial Complaint

  Date:03/10/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt with "Esse Health" and I do not have a contract with "Account Resolution Corp." They did not provide me with the original paperwork like I asked.

  

  Business Response

  Date: 04/10/2023

  Account Resolution Corporation (ARC) received this complaint ******** on 3/10/23.
  The consumer indicates in the complaint that the consumer is not liable for the debt.  The consumer indicates the original paperwork was not provided like the consumer asked. The consumers desired resolution is for ARC to correct the credit report and the consumer demands deletion of the account from their credit report.
  Upon receipt of complaint, ARC reviewed the account.  ARC will send validation of the debt on   4/11/23.  ARC has no record of the consumer asking for validation of the debt prior to this complaint.
  **************************, President of ARC attempted to call the consumer on 4/10/23, however, *********** was not able to reach the consumer. ARC would like the consumer to know that their office is available to discuss the account/complaint at any time. As it relates to the consumers request for a correction to the credit report, ARC would like the consumer to know that as of 4/1/23 the credit reporting agencies will no longer list accounts related to medical debt on credit reports of less than $500. The consumers accounts at ARC are individually less than $500. Since validation of debt was sent, the account is no longer credit reporting, and *********** attempted to reach the consumer, there was nothing further for ARC to do at this time as it relates to the complaint. However, ARC remains available to discuss the complaint with the consumer at any time.
  Our office is in receipt of complaint ******** on 3/10/23. For all the reasons identified above, our office is closing the complaint with an explanation.
  Our office considers this complaint resolved. Please contact our office if you have any additional questions. Thank you. 

  Customer Answer

  Date: 04/10/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  received a notice that I have a collection from ACCT RES CRP on my credit report. It says it was opened on 06/20/2022 for $120 with account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.
  
  I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business Response

  Date: 04/10/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 3/7/23.
  The consumer
  indicates in the complaint references account number ******* that ARC posted a
  false item on their credit report that the consumer did not incur. The
  consumer’s desired resolution is for ARC to correct the credit report.
  Upon receipt of
  complaint, ARC reviewed the account.  ARC
  sent validation of the debt on   3/21/23.
  ***** ** ***** ***, President of ARC attempted to call the consumer on 4/10/23, however, *** **** was not able to reach the consumer. ARC would like the consumer to know
  that their office is available to discuss the account/complaint at any time. As
  it relates to the consumer’s request for a correction to the credit report, ARC
  would like the consumer to know that as of 4/1/23 the credit reporting agencies
  will no longer list accounts related to medical debt on credit reports of less
  than $500.  The balance of this account
  is $120.  Since validation of debt was
  sent, the account is no longer credit reporting, and *** **** attempted to
  reach the consumer, there was nothing further for ARC to do at this time as it
  relates to the complaint. However, ARC remains available to discuss the
  complaint with the consumer at any time.
  Our office is
  in receipt of complaint ******** on 3/7/23. For all the reasons identified
  above, our office is closing the complaint with an explanation.
  Our office
  considers this complaint resolved. Please contact our office if you have any
  additional questions. Thank you. 

• Initial Complaint

  Date:03/02/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 5th, Account Resolution Corp posted against my credit report for a charge that I did not incur. These are false reports to my credit report that need to be removed. This company seems to repeatedly make these false claims as you can see from the repeated complaints. How does this continue? What is the proper legal route to remove this business license?

  

  Business Response

  Date: 04/05/2023

  Account Resolution Corporation (ARC) received this complaint ******** on 3/2/23.
  The consumer indicates in the complaint that ARC posted a false item on their credit report that the consumer did not incur. The consumers desired resolution is for ARC to correct the credit report.
  Upon receipt of complaint, ARC reviewed the account and complaint with the creditor. ARC did send on 5/4/22 a validation notice to the consumer which would have documented the right to dispute and request validation.  There was no mail return on this sent letter.  ARC did not receive any request for validation.  The consumer did call ARC on 3/3/23 and indicated to ARC that the creditor said there was no balance due for this account. ARC relayed this information to the client on 3/3/23 and ARC closed the account on 3/3/23. A request for account deletion from credit reporting was submitted to the credit reporting agencies on 3/4/23.  
  **************************, President of ARC spoke to the consumer on 4/5/23. ************ explained to the consumer that the account was closed and a request for deletion of the account was submitted to the credit bureaus. ARC would like the consumer to know that their office is available to discuss the account/complaint at any time. As it relates to the consumers request for a correction to the credit report, ARC would like the consumer to know that a request for account deletion was submitted to the credit reporting agencies.  Since the account is closed and a request for deletion was submitted to the credit reporting agencies, and ************ spoke with the consumer, there was nothing further for ARC to do at this time as it relates to the complaint. However,ARC remains available to discuss the complaint with the consumer at any time.
  Our office is in receipt of complaint ******** on 3/2/23. For all the reasons identified above, our office is closing the complaint with an explanation.
  Our office considers this complaint resolved. Please contact our office if you have any additional questions. Thank you.

  Customer Answer

  Date: 04/07/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 19529401.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:03/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been unable to reach them by phone to pay a utility debt. I would like to have the utility debt removed from my credit if possible. When I call the number provided I am left with no other option other than to leave a message.

  

  Business Response

  Date: 03/16/2023

  Account
  Resolution Corporation (ARC) received this complaint 19521213 on 3/1/23. The
  consumer indicates consumers are not able to reach ARC for a resolution. Consumer
  indicates that ARC does not send mail and does not answer the phone. The
  consumer’s desired resolution is to pay the bill and have this removed from
  credit reporting.
  
  ARC sends mail
  and answers the phones. The consumer has three accounts at ARC. All three
  accounts have received letters. One of the accounts was paid in full and closed
  within 8 days of placement in March 2022. The consumer called on 3/2/23 concerned
  that she was not able to reach ARC on 3/1/23.  The employees of ARC were at a team building meeting out of the office
  on 3/1/23 for the day at 1pm.  The
  consumer did pay the one account in full over the phone on 3/2/23.  The payment in full status was reported to
  the credit reporting agencies in March 2023.  The third account was paid in full before credit reporting started.  All of the consumers’ accounts at ARC are now
  closed and paid in full.  When an account
  reaches a paid in full status in our office, our office will report the
  respective status to the credit reporting agencies.  When an account is paid in full, our office
  considers the account closed.  After an
  account becomes a paid in full status, our office will report this account as
  paid in full for approximately sixty to ninety days to the credit reporting
  agencies.  After this time period, our
  office considers the account closed and is returned to our client.  When an account is closed and returned to our
  client, our office will no longer credit report this account.  This was explained to the consumer in the
  call on 3/2/23. 
  Since the accounts
  are closed and the consumer’s desired resolution will be met, there was nothing
  further for ARC to do currently as it relates to the complaint. However, ARC
  remains available to discuss the complaint with the consumer at any time.
  
  Our office
  is in receipt of complaint CC ******** on 3/1/23. For all the reasons
  identified above, our office considers this complaint resolved. Please contact
  our office if you have any additional questions. Thank you.

• Initial Complaint

  Date:02/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ACCOUNT RESOLUTION COR
  Balance
  $1,300
  Account number
  ******* Date opened
  Feb 11, 2022
  Account type
  Collection
  
  
  
  I have contacted the account above several times in reference to this account not being mine. This company has illegally reported on my credit report. There is no email, no evidence, no phone call. I have no idea who these people are. I’m planning to apply for a mortgage and it’s come to my attention that this collection on my record could hurt my ability to qualify. I truly believe that it would help me immensely if you could contact them to help me get this inaccurate item removed off my report on all credit bureaus ********* ******* *** ***********

  

  Business Response

  Date: 03/21/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 2/25/23.
  The consumer
  indicates in the complaint that the consumer has contacted ARC several times in
  reference to the account not being the responsibility of the consumer. The
  consumer believes the account is inaccurate and should be removed from
  reporting to the credit reporting agencies. The consumer’s desired resolution
  is for ARC to correct the credit reporting.
  The consumer
  called ARC on 2/24/23. While identifying the consumer and the account, the call
  was terminated by the consumer.  This is
  the only time the consumer has contacted ARC.  ARC has made multiple attempts to reach the
  consumer with no success.  ARC has
  responded to multiple verification and dispute requests the consumer has made
  to the credit reporting agencies.  ARC is
  not aware of any inaccuracy with the account.
  ARC mailed the
  consumer an FTC Identity Theft Victim’s Complaint and Affidavit with the
  validation of debt on 2/24/23. If the consumer completes the Complaint and
  Affidavit form and returns it notarized with a police report to ARC, ARC will
  continue the investigation and review of the account.
  ***** ** ***** ***, President of ARC attempted to call the consumer on 2/23/23, however, Mr.
  **** was not able to reach the consumer. ARC would like the consumer to know
  that their office is available to discuss the account/complaint at any time. As
  it relates to the consumer’s request that the account is removed from credit
  reporting, ARC would like the consumer to know that the policy of ARC is to
  credit report accurately. Since the consumer was sent supporting documentation
  for the debt, ARC has not received a notarized FTC Identity Theft Victim’s
  Complaint and Affidavit with a police report, and ARC has attempted to reach
  the consumer, there was nothing further for ARC to do at this time as it
  relates to the complaint. However, ARC remains available to discuss the
  complaint with the consumer at any time.
  Our office is
  in receipt of complaint ******** on 2/25/23. For all the reasons identified
  above, our office is closing the complaint with an explanation.
  Our office
  considers this complaint resolved. Please contact our office if you have any
  additional questions. Thank you.

• Initial Complaint

  Date:12/16/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was alerted that an account was added to my credit report. I am not liable for this debt with ACCOUNT RESOLUTION CORP and I do not have a contract said company. The original paperwork was not sent to me before this debt was added to my credit report. The Amount Disputed: $2660.00. DO NOT RESPOND TO THIS COMPLAINT AS "VALIDATED". I AM FILING THIS COMPLAINT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.

  

  Business Response

  Date: 01/11/2023

  Account
  Resolution Corporation (ARC) received this complaint ******** on 12/16/22.
  The consumer
  indicates that he was not notified of the debt prior to credit reporting. The
  consumer believes his consumer rights were violated. The consumer’s desired
  resolution is for the account to be removed from his credit report.
  ARC is not
  aware of any consumer violations with the account. The account was placed at
  ARC on 7/19/21. The consumer was mailed a validation notice on 7/20/21 prior to
  the account credit reporting.  ARC  mailed validation of debt to the consumer on 1/5/23.
  ARC does have the accounts marked dispute and the disputes are updated to the
  credit reporting agencies.
  ***** ** ***** ***, President of ARC attempted to reach the consumer by phone on 1/11/23 to
  discuss the account and complaint, however, Mr. **** was not able to reach the
  consumer. ARC would like the consumer to know that their office is available to
  discuss the account/complaint at any time. As it relates to the consumer’s
  request that a deletion is made to the credit report, ARC would like the
  consumer to know that the policy of ARC is to credit report accurately. Since
  ARC has attempted to reach the consumer by telephone, is unaware of inaccuracy
  with the accounts, sent validation of the debt, and the accounts are reporting as
  disputed with the credit reporting agencies, there was nothing further for ARC
  to do at this time as it relates to the complaint. However, ARC remains
  available to discuss the complaint with the consumer at any time.
  Our office is
  in receipt of complaint ******** on 12/16/22. For all the reasons identified
  above, our office considers this complaint resolved. Please contact our office
  if you have any additional questions. Thank you.