Accounts Receivable Consultants Inc or ARC is a third-party collection agency based in Florida. ARC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Accounts Receivable Consultants, Inc. is a legitimate collection agency incorporated in February 2013 and started locally in April 2013. The BBB established a profile page for ARC in August 2013. ARC is listed as a law firm and collection agency that uses the alternate business name, DCN Holdings, Inc.
According to its website, ARC “is a nationwide collection agency that…exceeds the highest standards in…professionally trained staff, data security, …and excellence in customer service and communications, ensuring consumers are treated with respect and… clients receive outstanding results.”
ARC’s services are organized into several divisions, including Business Collections, International Collections, Consumer Collections, and Remittance & Reporting. ARC’s Business collections division employs professionally trained commercial collectors and a nationwide network of attorneys to assist clients in recovering business-to-business debt. Their Remittances & Reporting division offers “secure online access where…clients can login and review what is happening on each and every claim,” as well as “customized reports to fit the needs of each and every client.”
ARC’s Consumer Collections division “has been providing superior retail and service industry debt recovery services to companies located all over America.” ARC collects delinquent debts for a variety of business and industry types, including medical and healthcare providers; international businesses; educational institutions; financial institutions and defaulted loans; government agencies; NSF returned checks; judgments; and utility and telecom service providers.
The ARC website does not include any information about its compliance policies, nor does it include a consumer resources page with links and references to laws and enforcement agencies.
As of May 2018, the BBB has given Accounts Receivable Consultants a rating of F. The BBB has closed 27 complaints against ARC in the preceding 3 years, with 13 complaints closed in the past 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with customer service. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints against ARC. Justia lists at least 1 case of civil litigation involving ARC.
Accounts Receivable Consultants, Inc.
1806 33rd St., Ste. 180
Orlando, FL 32839-8846
Telephone: (321) 710-3530
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely ARC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
Complaints against Accounts Receivable Consultants are generally of two types. Complaints from consumers commonly cite problems resulting from disputes about the validity of debts; complaints from businesses cite problems resulting from allegations of fraud and misconduct. In December 2017, a consumer indicated he had been contacted by ARC to collect a debt that was resolved via PayPal… and the credit card company in 2014.” The consumer stated that he had “purchased wood products from a retailer but had never received the items and had asked PayPal and the credit card company to stop payment.” The consumer also stated that “to this day he had never received the items and the company was not paid.” Subsequently, ARC began “trying to collect $436.02 for a product he never received.” In addition, the retailer “never one time attempted to contact him concerning this. He assumed it was over…rightfully so since he never received a product.” The consumer concluded by stating that the “rude staff of Accounts Receivable do not listen to why this issue exists, they only demand money.” In response, ARC stated that “federal law sets forth the procedure by which a claim can be disputed. Filing a complaint with the BBB is not a manner in which a Debtor can contest the validity of a debt under Federal law. Due to the fact that the BBB publicizes responses we are unable to respond in any way regarding this matter.”
In May 2017, a business owner indicated he had “turned over an account to be collected back in early January 2017, and that Accounts Receivable Consultants …were successful at collecting this debt…in the amount of $300.” However, the “client services rep on his account promised payment the first week in February 2017, but he did not receive any payment.” He stated that he had spoken with another representative and was “given a story about how they sent payment to the wrong address and that he should call them on the following Monday… so that they will send another check in the amount of $195.” The complainant called back, but “was told that the representative he spoke with is off on Mondays.” Another representative told him that they will “eventually make good, but their unwritten policy is to use funds collected to run their agency, pay payroll, and rent. Therefore, he should be patient for at least another 30-60 days.” The complainant concluded by stating that their conduct was “unethical and outrageous” and that ARC had a lot of “nerve to make him a further victim.” He asked the BBB to “help him get paid and let these folks know that they are running a scam on creditors.” ARC’s response was argumentative and defensive, stating that their “standard remittance cycle was used, and a statement was generated on February 1, 2017…The remittance check was processed on February 3, 2017, and their …bank records indicate that the complainant cashed the check…on February 23, 2017.” They also stated that their “office was able to recover the client’s fund and have his fund to him in less than 45 days; that his complaint is a complete fabrication; and that most clients with this situation would be thankful.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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