Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: OR

Complaint narrative:
On XX/XX/XXXX, I received an initial collection notice from Frost-Arnett Company XXXX XXXX Number XXXX ) attempting to collect an alleged medical debt of {$6500.00} originating from XXXX XXXX XXXX XXXX account XXXX ) for XXXX services rendered in XX/XX/XXXX. XXXX XXXX XXXX is operated by XXXX XXXX XXXX XXXX XXXXXXXX, a subsidiary of XXXX XXXX XXXX XXXX XXXX. The underlying debt is in dispute because XXXX XXXX XXXX referred the account to Frost-Arnett XXXX XXXX of XXXX XXXXXXXXXXXX XXXX XXXX XXXX ), without first completing the income-based financial assistance screening required by XXXX XXXXXXXX. XXXX XXXX XXXX independently approved me for 100 % financial assistance under XXXX XXXX XXXX covering the same dates of service. The debt should never have been referred to collections. In addition to the mailed notice, I received automated text messages from Frost-Arnett to my XXXX telephone on the following dates : XX/XX/XXXX ( short code XXXX ) ; XX/XX/XXXX ( from telephone number XXXX, with an encrypted XXXX requiring my ZIP code as a password ) ; XX/XX/XXXX ( short code XXXX ) ; XX/XX/XXXX at XXXX XXXX XXXX XXXX ( short code XXXX ) ; and XX/XX/XXXX ( short code XXXX ). On XX/XX/XXXX, I sent Frost-Arnett a XXXX validation dispute letter via XXXX XXXX Mail XXXX XXXX Number XXXX ) addressed to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The letter disputed the alleged debt in its entirety pursuant to 15 U.S.C. 1692g ( b ), demanded verification of the debt including the name and address of the original creditor, and stated expressly : " All future communications must be in writing to the address above. Do not contact me by telephone. '' XXXX tracking confirms that Frost-Arnett 's representative picked up my certified letter at the XXXX, Tennessee post XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX. XXXX hours and forty-two minutes after that physical pickup, Frost-Arnett sent XXXX automated XXXX text message to my cellular telephone at XXXX a.m. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX. This continued contact violates 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection activity upon receipt of a written dispute until verification is mailed to the consumer. It also violates 15 U.S.C. 1692c ( a ), because the communication was sent by telephone after my express written instruction that all communications be in writing only. It is also an automated text to a cellular telephone after revocation of consent, implicating the XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( b ). On XX/XX/XXXX, Frost-Arnett sent yet another automated collection text message to my cellular telephone, despite having received my written cease-and-desist letter and my dispute XXXX days earlier. As of the date of this complaint, Frost-Arnett has not provided any verification of the alleged debt, has not responded in writing to my dispute, and did not cease collection activity until after this fifth text. Each text message contained " Reply STOP to unsubscribe '' language. I am aware I could attempt to opt out through their messaging system. However, my written certified-mail letter is a legally sufficient revocation of any prior consent and a clear cease-and-desist regarding telephone communication. The FDCPA does not require a consumer to use the debt collector 's preferred opt-out mechanism. Frost-Arnett 's continued automated texting after physical receipt of my written cease-and-desist is willful and knowing conduct. I am requesting that Frost-Arnett : XXXX XXXX ) immediately and permanently cease all collection activity on this account ; ( XXXX ) provide written verification of the alleged debt as required by 15 U.S.C. 1692g ( b ) ; ( XXXX ) recall the account to XXXX XXXX XXXX so the underlying state-law financial assistance violations can be addressed ; ( XXXX ) confirm in writing that no negative credit reporting has occurred or will occur on this disputed account; and ( XXXX ) implement procedures to flag disputed accounts and remove them from automated messaging systems within XXXX hours of receipt of a written dispute.

Company response to consumer: Closed with explanation