Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: MO

Complaint narrative:
The following are scam transactions XXXX, XXXX Online Store XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Online Payment Fraud, 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 are all sc ams either by local criminal suspect XXXX XXXX XXXX in XXXX XXXX , MO XXXX , USA scam mers, and overseas scammers. Some are on line payment fraud where deposit was was made then withdrawn before deposit funds were rejected. XXXX XXXX  - Lost and Stolen Fraud refuses to cooper ate, to provide documentation requested, and to properly trace down scammers. In addition, push back to XXXX XXXX rather than work with us to provide necessary documents to track down the se scammers through legal authorities.We suspect someone at XXXX  ( now XXXX XXXX XXXX XXXX XXXX ) ( XXXX -- XXXX ) and XXXX XXXX XXXX ( XXXX ) to be some of the scammers. In addition I have traced some transactions to XXXX. Without cooperation from XXXX, we can not co mplete documentation to resolve and find scammers. News Release XXXX XX/XX/2020. The Office of the Controller of Currency ( OCC ) took actions based on the bank 's unsafe or unsound ba nking practices for its long-standing failure to establish effective risk management and data govern ance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, App endix D, " OCC Guidelines Establishing Heightened Standards for Certain Large Insured National B anks, Insured Federal Savings Associations, and Insured Federal Branches. '' The agency also issu ed a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls. The bank senior management and the bank 's board has not made timely, sufficient progress in complying with the order. As a res ult of the unsound baking practices overseeing fraud and scams, the bank has turned to collect fro m consumers for their massive failures of effective risk management and internal controls. The OC C should order XXXX to cease and desist these practices and demand changes in leadership. Specifi cally in the case of this complaint demand XXXX cease and desist for their failures as established in t he OCC complaint with any further actions regarding XXXX XXXX. Further demand XXXX cease and desist harming consumers credit and correct XXXX XXXX ( and other harmed consumers ) credit reporting to " pay as agreed ''. 
XXXX has not made written contact since XX/XX/2020. This dispute is closed and to be reported to credit agencies as " Paid As Agreed ''. XXXX failed to respond in a timely manner as set forth in the correspondence to them and as a matter of law.No further responses to this matter will be made to any agency regardless of demands in correspondence, threats, and regardless of operation of law of any kind.

Company response to consumer: Closed with explanation