ComplaintsforAR Resources Incorporated

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Initial Complaint
09/26/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My name is ********************************* and I need to redispute $42.83 I own to ****************** client account ************* and accounts receivable resources account # ****** They won't let me redispute it or dispute it because I did a dispute last month I didn't hear back from them or get nothing in the mail yet about my dispute please help me they won't help me and they are getting smart to me and hanging up on me.
Customer response
09/28/2023
I had a dispute with ****************** last month for $42.83, Client Accounts Number ******, and Accounts Receivable Resources Account # ******. When I called yesterday and today, they claimed it verified it was valid. Still, they didn't send me anything to prove that saying that it was valid and won't help me redispute or dispute it again because I disagree with it, and they keep hanging up on me and getting smarts to me over phone calls.Redispute it or make a new dispute for it.
Business response
09/29/2023
Please be advised that AR Resources, Inc. of Pennsylvania sent validation materials on 9/19/23 to the address listed on this complaint. We also attached an additional copy of the bill to the consumer's CFPB complaint response. Thank you.
Customer response
09/29/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:I chatted back about CFPB ******-******** the $42.83 debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from 2021-2022 I required y'all to stop trying to collect the debt and close the account out and send it back to ****************** . Client Account Number ****** and Accounts Receivable ****************** Account ******
Regards,

*******************************
Customer response
09/30/2023
If y'all can't dispute it again or redispute or open a new dispute for it how long does it take to be send to the credits bureaus or will y'all send it to them if the payment don't get paid off or will it show up on my credit reports or no?
Business response
10/10/2023
This account is no longer in our system. We had this account from 8/23/23 to 10/2/23 and has never been any credit reporting activity for this account, and there will be no further collection activity or future credit reporting. Please contact ****************** for further assistance. Thank you.
Customer response
10/11/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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.

Regards,

*******************************
Initial Complaint
08/18/2023
Complaint Type:
Order Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
I am not liable for this debt with ********* ******** *************. I do not have a contract with AR RESOURCES INC, they did not provide me with the original contract as I requested
Customer response
08/25/2023
I checked my credit report and notice it was flagged on July 23rd, 2023 they reported it as a collection unpaid debt, without first sending me a notice to respond. They are required by law to do this, They didn't allowed me to respond before they rushed to report a false debt onto my credit reports (*******, **********, ********). This is in violation of ***** 15 USC 1692g(a). I sent a debt Validation letter, but never received a response back from them. I also do not have a contract with AR Resources INC.. According to the ***** regulations, they failed to provide proof of a debt they are claiming that I owe. I explained I will be reporting this false debt and violations to the *****/FTC. They have not validated this debt. Therefore, this needs to be deleted from my credit reports (*******, **********, ********) immediately, and for them to never contact me again. I attached copies of some of the documents I sent out to AR Resources INC.
Business response
08/29/2023
Please be advised that AR Resources, Inc. of Pennsylvania has acknowledged the consumer’s dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on this complaint. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that this form of debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.
Customer response
09/06/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because: by law they should have taken the necessary steps before reporting this unvalidated debt to the credit bureaus. They reported it as a collection of unpaid debt, without first sending me a notice to respond. They are required by law to do this, They didn't allow me to respond before they rushed to report a debt onto my credit reports (*******, **********, ********). They didn't follow the law, 15 U.S. Code § 1692g - Validation of debts. As stated before a validation letter was sent out, but no response back from them. I also do not have a contract with AR Resources INC. They failed to provide proof of a debt before reporting an unvalidated debt to the credit bureaus. Effective November 30, 2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, *******, ********, and **********, before first contacting the consumer. Therefore, this needs to be deleted from my credit reports (*******, **********, ********) immediately.

Regards,

***************************
Initial Complaint
08/07/2023
Complaint Type:
Billing Issues
Status:
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.
After closely review the documents I requested I find that this debt does not belong to me someone else use my name or person with same name also I notice that the account number ************* is different from what they are reporting on my credit report which is ******xx thats false reporting also the date of service show 01/21/18 on that debt was open on my credit report on the 03/26/18 thats just one month Before it was report to my credit thats information dont match and this is false information reporting I attach the false document thats was presented to me on whats on my credit report
Business response
08/10/2023
Please be advised that AR Resources, Inc. of Pennsylvania has closed this account in our office due to fraud. Thank you.
Initial Complaint
08/01/2023
Complaint Type:
Billing Issues
Status:
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.
AFTER CONDUCTING A CAREFUL REVIEW OF MY CREDIT REPORT, I NOTICE ERRORS THAT NEEDED TO BE ADDRESSED AND REMOVE. I HAVE NOT DONE BUSINESS OR SIGNED ANY CONTRACTS WITH THESE BUSINESSES. Medical Services Obtained by the ************* or Organization: AR RESOURCES INC: ******** ********* ********* Date fraud began:3/2022 Date that I discovered it:7/2023 Total fraudulent amount:$ 930
Business response
08/09/2023
Please be advised that AR Resources, Inc. of Pennsylvania has closed this account in our office due to fraud. We will submit a request to have this removed from the consumers credit report. Please allow at least 30 days for it to reflect. Thank you.
Initial Complaint
07/23/2023
Complaint Type:
Billing Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
I have no knowledge of this account. I do not have any debt with ********* ******** ************. I never entered into nor signed any form of contract with AR Resources INC. They did not provide me with original contract as requested. They have now reported on my credit report 7 times for the exact same amount as well as 2 more times for different amounts. They are fraudulently reporting items and incorrect information to credit reporting agencies as I have never had any contract with this company
Business response
08/10/2023
Please provide a complete and current mailing address so we are able to properly forward documentation.
Thank you,
AR Resources, Inc. of Pennsylvania
*************
PO BOX ****
Blue Bell PA *****
Customer response
08/20/2023
I apologize for late response I was in the hospital and just got home. I have provided 2 pictures showing how this company has reported multiple times the exact same thing. This is fraudulent as I have never entered into a contract with this company. They still have not provided me a copy of the original contract as requested. Im almost positive I have not received a copy of the original contract because there is no contract between AR Resources and myself. I demand this be removed from my credit report immediately.
Customer response
08/23/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: ********

I am rejecting this response because:

I apologize for late response I was in the hospital and just got home. I have provided 2 pictures showing how this company has reported multiple times the exact same thing. This is fraudulent as I have never entered into a contract with this company. They still have not provided me a copy of the original contract as requested. I’m almost positive I have not received a copy of the original contract because there is no contract between AR Resources and myself. I demand this be removed from my credit report immediately.
Regards,

********* *******
Customer response
09/06/2023
Have attached screenshots of my credit report. Not only have I never entered into any agreement nor contract with them but they are reporting the exact same account 4 times and another account twice and then another account twice. So they are fraudulently reporting on my credit report. As well as I still have yet to receive a copy of the original contract with them. I demand this be removed from my credit report. It is fraudulent and does violate the consumer laws.
Customer response
09/06/2023
Have attached screenshots of my credit report. Not only have I never entered into any agreement nor contract with them but they are reporting the exact same account 4 times and another account twice and then another account twice. So they are fraudulently reporting on my credit report. As well as I still have yet to receive a copy of the original contract with them. I demand this be removed from my credit report. It is fraudulent and does violate the consumer laws.
Initial Complaint
07/19/2023
Complaint Type:
Billing Issues
Status:
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.
This company is reporting information about me thats not true and cannot be validate because I never do any business with this company or alleged company they purchase this account from this doesnt belong to me
Business response
07/27/2023
Please be advised that AR Resources, Inc. has acknowledged the consumer’s dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on this complaint. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that a debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.
Customer response
08/06/2023
I haven’t receive any documentation from this company this company is doing fraud trying to collect money from me that isn’t owe
Initial Complaint
07/12/2023
Complaint Type:
Billing Issues
Status:
Unanswered
The business failed to respond to the dispute.
I am not liable for this debt with AR Resources Incorporated. I do not have a contract with AR Resources Incorporated, they did not provide the original contract as I requested.
Initial Complaint
07/03/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ***** ****** ********* ****, I do not have a contract with AR Resources Inc, they did not provide me with the original contract as requested.
Business response
07/26/2023
Please be advised that AR Resources, Inc, sent validation of this debt to the consumer at the address listed on this complaint on 10/26/21. Established legal precedent requires that a debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information was included on the copy of the bill. Thank you.
Initial Complaint
07/03/2023
Complaint Type:
Billing Issues
Status:
Unanswered
The business failed to respond to the dispute.
I am not liable for this debt with ********* ******** ********* ** ***** *******, I do not have a contract with AR Resources Incorporated, they did not provide me with the original contract as I requested.
Initial Complaint
06/30/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with AR Resources Inc. I do not have a contract with AR Resources Inc. the did not provide he original contract that I have requested.
Business response
07/27/2023
Please be advised that AR Resources, Inc. has acknowledged the consumers dispute and we have requested that our client provide validation of this debt. Once the validation materials are received, they will be sent to the consumer at the address listed on this complaint. We will update our credit reporting of this balance to reflect the dispute. Please be advised that established legal precedent requires that a debt validation contain the name and address of the original creditor, the name and address of the consumer, an account statement listing the services provided, the dates on which the charges were incurred, and the amount of the debt. All the above information will be included on the copy of the bill that is being sent to the consumer. A copy of the original bill is a standard and legal response to a consumer's validation request. Thank you.

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