Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding a telephone call I received from a debt collector who identified himself as calling from ARB Services, which I believe may be XXXX XXXX XXXX. I am not the alleged debtor. The caller contacted me regarding a relative and attempted to obtain information about that relative, including personal/location/contact information. At the beginning of the call, the caller did not disclose that he was a debt collector or that the call concerned collection activity. He began asking questions about my relative and their information. I did not provide the requested information. Only after I questioned why he was calling did the caller disclose, or cause me to understand, that the call related to debt collection. I believe this conduct was improper because the caller contacted me as a third party and appeared to be seeking information about another person without making the disclosures required for third-party location-information calls. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692b, a debt collector communicating with a person other than the consumer for purposes of acquiring location information must identify himself, state that he is confirming or correcting location information concerning the consumer, and may identify his employer only if expressly requested. He did not do so. The collector also may not state that the consumer owes any debt. I think he stated that my sibling did owe a debt. Regulation F likewise restricts third-party communications in connection with debt collection. 12 C.F.R. 1006.6 ( d ). The callers conduct also felt coercive and abusive. When I questioned the purpose of the call and objected to the manner in which he was contacting me, the caller became belligerent. I repeatedly told him to cease and desist and not contact me further. The caller stated something to the effect that my cease-and-desist instruction did not matter or otherwise would not be honored, which is what it felt like. His tone and statements made me feel pressured to provide information about my relative, even though I was not the debtor and had not agreed to assist the caller. I believe the callers conduct may violate the FDCPAs prohibitions against abusive, harassing, oppressive, false, deceptive, or misleading debt-collection practices, including 15 U.S.C. 1692b, 1692d, and 1692e, and the CFPBs Regulation F rules governing debt-collection communications. I request that the CFPB investigate this companys conduct, including whether XXXX XXXX XXXX XXXX XXXX XXXX is properly identifying itself in third-party calls, whether it is making required disclosures before seeking location information, whether it is improperly pressuring third parties to provide information, and whether it is refusing to honor requests not to be contacted again. I further request that the company provide a written explanation of why I was contacted, identify the legal basis for contacting me, confirm whether it recorded the call, preserve all call recordings and call notes, confirm that my telephone number has been removed from its records, and confirm that it will not contact me again regarding this relative or any alleged debt that is not mine. Because I am a XXXX resident, I also request that the companys conduct be reviewed under applicable XXXX debt-collection law, including the XXXX Fair Debt Collection Practices Act, Civil Code 1788 et seq., to the extent applicable. Because the alleged consumer appears to reside in XXXX, I also request review of whether the companys conduct complied with XXXX XXXX XXXX, including XXXX XXXX XXXX Chapter 392, to the extent applicable. Regardless of state law, the companys conduct appears to implicate the federal FDCPA and Regulation F, including the restrictions on third-party communications and location-information calls. 15 U.S.C. 1692b ; 12 C.F.R. 1006.6 ( d ), 1006.10. The caller 's phone number was XXXX ( XXXX ) XXXX at approximately XXXXXXXX XXXX., XXXX.

Company response to consumer: Untimely response