Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
A debt validation letter was sent via certified mail to ARS Account Resolutions in XXXX of XXXX. The document arrived on XX/XX/XXXX  and was verified dropped off with a person. A copy of the sent letter is provided on this complaint. In the letter, I requested Validation NOT VERIFICATION of the debt reported on my credit report. In this packet, I requested information I am legally allowed to obtain. Additionally, a cease-and-desist letter was included requesting no further contact be made by telephone to myself or my employer and that all communications must been sent in writing to my address. The company responded by letter requesting more information as they did not have enough in the initial letter to investigate the account. A second copy of the Validation letter was sent to the company via certified mail to the company on XX/XX/. The document arrived XX/XX/. A copy of this letter is provided as well, showing the updates with amount claimed as well as an account number. The company responded in writing with a verification letter, however. NOT A VALIDATION. I reached out to the company on speaker with my attorney present, asking the company to provide the VALIDATION information requested. The first time, I spoke to an employee named XXXX or XXXX. I provided my account information 4 times, and the employee told me that if I did not provide the account information, he would not help me and hung up on me. The second call, I spoke to XXXX who was very professional. XXXX was informed this call would be recorded on my end as well. My attorney was also present on office while the call was on speaker. I was informed that I had to email my requests. The company had received two written letters as well as a cease and desist via writing. Email of the same forms is not valid and shows an attempt to dismiss the receival of the documents. You can also hear on the call the employee state that certified mail was received. The company not only failed provide the Validation requested in the time required by law, but they refused to acknowledge the request for validation, after it was clearly stated in not one, but two documents sent that I was not requesting Verification. Additionally, the company contacted me by phone on XX/XX/ at XXXX XXXX. This was a violation of the cease-and-desist letter I had sent the company as it clearly stated that I could not be contacted via phone. A recording of the voicemail left is saved and clearly states the employees name, they work for ARS Account Resolutions and " This is an attempt to collect a debt by a debt collect '' message on the voice mail. Under FDCPA, I am able to file suit for violation of the cease-and-desist order. Additionally, Failure to provide validation at my request is a violation of the Fair Debt Collection Practices Act, 15 USC 1692g. I, as well as my legal counsel, have been in contact with a group of individuals who have also experienced these issues and ALSO have them well documented. Account number listed on my credit is XXXX. Claimed amount is {$1200.00}. Copies of the certified mail slips will be given to the courts should legal action occur. 

Please note that the final page states " You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please allow 30 days for processing after I receive this information. 

ARS Account Resolutions received this document twice and refused the terms written.

Company response to consumer: Closed with explanation