Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frost-Arnett Company
State: NC

Complaint narrative:
I was contacted by a debt collector who only used text messages that read : This message is from Frost-Arnett , a debt collector, regarding XXXX XXXX XXXX XXXX XXXX acct. Visit XXXX XXXX XXXX # XXXX Call XXXX Details : XXXX XXXX XXXX Respond stop to end texts. This does not provide any way in which to contact them with written communication only a link to pay and a bitly link that also leads to a pay page. XXXX is not HIPAA compliant and is a broad reaching public facing company, which immediately set me on edge that a " debt collector '' of any merit would be using uncontrolled links that track clicks via a company that has no HIPAA security measures or really other security measures. The first contact was made Friday XX/XX/year> at XXXX, given the suspect nature of the message itself, the XXXX link that I did not feel comfortable clicking at all at first and the other link which is a direct pay page and the fact I have XXXX XXXX and private Insurance as a XXXX Dependent through my mother I was suspicious of a debt whatsoever and chose to wait. The second contact was Monday XX/XX/year> XXXX, the third was Thursday, XX/XX/XXXX XXXX, the fourth was Friday, XX/XX/XXXX XXXX, the fifth was Thursday, XXXX XXXX XXXX. Throughout this time I received no associated phone calls, no emails, no other more official/safe forms of contact and so again my suspicions grew. On Friday, XXXX XXXX XXXX I did the only thing I could which was respond the the XXXX number these were coming to with this letter for with this letter for Request for Medical Debt Validation XXXX XXXX XXXX XXXX Before this messages from this XXXX number had been coming at a clip of about 3 days. After this request letter for validation of medical debt was sent, which the collector and associated medical company only have a 5 day legal window to answer, the next contact did not come until Monday XX/XX/XXXX XXXX a solid 25 days after the request for validation was sent to the number on Friday, XXXX XXXX XXXX. Not only does this clearly show that this is not a number that can not receive messages it shows that this is not just an automated push out because there was a very human gap in messages after the Request for Medical Debt Validation Letter was sent. It is also 20 days past the legal window to validate the debt and provide me with an itemized bill, who they got this alleged medical debt from, how they got that debt and why it complied with HIPAA protections, and a copy of my legal rights all of which are covered under law. Even if we recalculate using business days only, this contact came 4 weeks after that letter was sent to the XXXX number because no other means of written contact were provided or available for this alleged debt collector and his alleged HIPAA compliant medical debt. This breaks the 3 day pattern and shows that this is not simply a non-returning automated number. This is further proven because the next contact came today Wednesday XX/XX/XXXX XXXX, only * two days * after the XX/XX/XXXX contact, which again breaks the every 3 day pattern and further proves that there are humans on the other side of this XXXX number. My reply to this contact and ignored debt validation came today XX/XX/XXXX XXXX and is as follows : you do realize you're well past the 5 day window to respond to that letter and i tried calling your line and somehow the only option are to pay up front, and when i selected 2 to speak to a representative conveniently somehow everyone is in a meeting and then your automated line hangs up with no way to leave a voicemail. this is predatory and you give no way to contact you save for bit.ly links to pay. this is getting reported to the credit bureau and the XXXX. you've passed the window to validate the debt and have provided no other way of me to contact you. The current time of writing this report is XX/XX/XXXX XXXX, as expectedly no further contact to my requests or message have been sent from this XXXX number nor the provided XXXX number.

Company response to consumer: Closed with explanation