Consumer complaint received 2016-11-05
Company: Arcadia Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from " Arcadia Recovery Bureau '' on XXXX XXXX, 2016. This is not the first time they have called me ( and they have called me in the past, too ). The caller did not identify herself, which violates the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p ( FDCPA ), and she also claimed it was a " business matter, '' another violation, since she has to disclose that it is an attempt to collect a debt. 

The woman proceeded to tell me that she needed to verify my information, to determine if I was the " correct XXXX XXXX. '' My name is not that common due to the spelling. I am not even sure how she got my cell phone number ; the bill IS NOT in my name. She repeated my address to me, and she asked for my birthday. First of all, since she claimed it was a " business matter, '' I was not going to disclose any personal information due to incessant identity theft in today 's world. Second, there should be no reason for this if she is attempting to collect a debt. If I say I am the person she is seeking, that is all she needs -- confirmation I am that person. 

When I refused to provide my birthday, she said that she would not tell me anything else, would not provide any other information. I said that I was sorry, but I would not provide my birthday. She immediately switched over to a harassing tone and nature, " informing '' me that she would " continue to call until I gave her my personal information. '' This is definitely harassment and not anything valid. This person 's actions are clearly in violation of the FDCPA 806 ( 5 ) and 807. 

Additionally, I will be attaching screenshots of the calls I received from this number, XXXX, since it was not blocked and the calls were placed to my cell phone. These simply demonstrate the recent calls to my phone, as they are what appear in my " recent calls list '' : XXXX XXXX - XXXX XXXX XXXX seconds XXXX XXXX - XXXX XXXX - XXXX minutes, XXXX seconds ( I was on the other line at the time, and I think the call just ran on my voicemail ). 
XXXX XXXX - XXXX XXXX - XXXX seconds XXXX XXXX - XXXX XXXX - XXXX minute, XXXX seconds Aside from XXXX XXXX, 2016, the other calls were hang-ups with a little " blip '' noise. This is also in violation of the FDCPA. However, since the initial contact in my call log is XXXX XXXX, 2016, and the caller chose to hang up before repeatedly calling me, Arcadia violated the FDCPA 809 by not notifying me within five ( 5 ) days of the initial communication on XXXX XXXX. Five days would have been XXXX XXXX, 2016, when is when I received the second call. 

I have also been receiving a barrage of calls, both at home and on my cell phone, that are usually no one on the other line with the same " blip '' noise. I do not know if they are related, but I would like to enter the numbers and times into the record : Cell phone XXXX -- XXXX XXXX -- XXXX PM, XXXX seconds XXXX -- XXXX XXXX -- XXXX PM -- missed call XXXX -- XXXX XXXX -- XXXX PM -- XXXX mins, XXXX seconds ( voicemail? -- I did not speak with anyone. Phone number comes up as a known scammer via XXXX search. ) Home phone XXXX XXXX - XXXX - rubber band noise XXXX - " out of area '' XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -- sometimes " out of area, '' sometimes " XXXX, XXXX '' XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX - " XXXX '' XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - " XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX - " XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX '' XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX out of area ) Arcardia has several complaints with the CFPB, some for the exact same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation