Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ARS National Services, Inc. (NY)

Uploaded to this claim are two correspondences sent by ARS NATIONAL SERVICES INC in reference to a XXXX XXXX. credit card account. In response to these two correspondences I spoke to agents on the phone and ultimately responded to their claim in the mail multiple times. One such correspondence is uploaded for your examination. I have received no response from ARS NATIONAL SERVICES INC in order to validate their claim other than the letters dated XX/XX/XXXX and XX/XX/XXXX that are uploaded to this complaint. The date of this complaint is XX/XX/XXXX. We are approaching two years since ARS NATIONAL SERVICES INC initially sent out their correspondences and they have yet to validate the debt they are attempting to collect on. My XX/XX/XXXX correspondence is a conditional acceptance to honor the debt that ARS claims to have but they have failed to provide any of the conditions set forth in that XX/XX/XXXX letter. 

ARS NATIONAL SERVICES INC is currently engaging in unfair and/or deceptive acts or practices. I have no contract absent their purchase of a consumer debt. I required debt validation from them via phone and/or correspondence to make available the documentation that proves that XXXX XXXX. is the assignor of the debt that they hold. They are unable to supply this documentation and they continue to cause the estate of XXXX XXXX XXXX harm by negatively impacting its credit profile. I previously settled a similar situation with another company like ARS NATIONAL SERVICES INC. This company removed the account they were holding from all credit reporting agencies yet ARS NATIONAL SERVICES INC refuses to follow suit. The case that was withdrawn by the plaintiff in XXXX COUNTY DISTRICT COURT also references this account and the fact that not only is the debt satisfied but that a company like ARS NATIONAL SERVICES INC can not legally and/or lawfully collect on it. ARS NATIONAL SERVICES INC 's initial correspondence dates back to XXXX of XXXX yet they have not filed any action with XXXX COUNTY DISTRICT COURT to collect on the debt they say is owed to them. The reason they have not is because they realize legal action is not possible given their position. 

Consumer debt sales are regulated by federal/state agencies and protected under laws enacted for commerce. The Federal Trade Commission ( FTC ) is one of these agencies and they protect the public fromunfair or deceptive acts or practices. This applies to all products and services not just offered by banks, but to every stage and activity, from product development to the creation and rollout of marketing campaigns, and to servicing includingcollections. 

The act/practice of debt sales has been shown to be unfair, and directly violates the FTC 's section 5, by causing or likely to cause substantial injury to consumers. 

The name XXXX XXXX XXXX XXXX and any variation thereof is also trust property of the XXXX XXXX XXXX XXXX XXXX. As described in other complaints with other institutions, XXXX XXXX XXXX XXXX is using trust property without authorization of the XXXX trustees managing the trust.