Consumer complaint received 2023-04-08
Company: A.R.M. Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX continues to receive threatening Debt Collections Letter -- >attempt to collect debt not owed. Reporting an Original Lender as XXXX XXXX. Client acct # XXXX /Agency acct # XXXX ARM Solutions Inc or ARMS is a third-party collection agency based in Southern California. ARMS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading information to collect a debt. ARM solutions has been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. ARM has also been a party to a Federal Court case many of times. 

According to the XXXX, ARM Solutions , Inc. is a legitimate collection agency founded in XXXX and incorporated in XXXX. The XXXX  established ARMSs profile page in XXXX. ARMS is listed as a collection agency. 

The Consumer Financial Protection Board ( CFPB ) is a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. The CFPB has received 119 complaints against A.R.M. for unfair and abusive debt collection practices. Consumers complain that A.R.M. engages in the following practices : Attempting to collect a debt that is not owed by the consumer ; Harassing me by making repeated and frequent calls; Threatening to harm credit if payment is not made ; and Refusing to validate or provide proof of a debt.

You are being threatened with negative credit reporting Failing to notify you of your right to dispute the debt Debt collector violated cease and desist.

In one example of A.R.M. 's unsavory debt collection practices, I received threats to either make a payment or have their credit score lowered. I keep getting letters 2 times a week from A.R.M. stating that they owed a debt XXXX XXXX ; however, the I never signed up for XXXX XXXX services or received any pest control services. 

As the consumer I requested that A.R.M. provide proof of the debt. A.R.M. not only ignored the request for validation of the debt via certified mail with tracking #, but they continue to send letters threatening to report the debt to the credit bureaus. 

A.R.M. engaged in two separate violations of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). The FDCPA expressly allows consumers to request a creditor or debt collector to send proof of the debt. Within five ( 5 ) days after its initial communication, the creditor or debt collector must send a notice, referred to as the G-Notice . A consumer then has thirty ( 30 ) days to dispute a debt and to request proof of the debt. By refusing to provide proof of the debt, A.R.M. violated the law.

Additionally, A.R.M. violated the law by threatening to report the consumer 's debt to the credit bureaus. The Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) prohibit debt collectors and creditors from threatening to report a debt to a credit bureau when the debt collector has no intention to do so. This is considered a false and misleading representation that is designed to intimidate or force the consumer to make a payment

Company response to consumer: Closed with explanation