ComplaintsforAmerassist A/R Solutions, Inc.

• Initial Complaint

  10/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  This company has violated federal law by willfully furnishing information that is inaccurate on my consumer report. I notified them on multiple occasions yet they continue to furnish this information. I provided evidence as well as filed a CFPB compliant against them and still they continue to furnish this account. I never authorize any one from their organization to use my information and invade my right to privacy.

• Initial Complaint

  10/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Amerassist Has been contacting me continuously over a false debt from ***** ****** that has been paid in full as per the company itself statement. They have been very aggressive attempting to collect this said debt they are supposedly owed by me. This collection appeared on my credit report Jan 15,2021 even though my credit report shows and states that I owe no debt to ***** ****** and reflects a balance paid in full and never late. I was contacted last Month VIA email by them and asked them to provide me proof of debt with debt validation. I asked them to provide me billing statements, a trilateral contract signed by all parties, and the original contract from ***** ******. They sent a contract that looked like it was electronically signed which is an unenforceable contract. In the email I also requested that they not contact me via email, telephone or mail about this false debt. I also requested they remove this debt immediately from all 3 credit bureaus or face litigation. This is clearly an attempt to coerce me into paying a debt that I do not owe. The calls still continue, and it is causing me stress and resorted in me having a mental break down. It has affected my credit and has caused me to be unable to keep my security clearance. I am asking that they remove this immediately from my credit report with all 3 agencies. I have obtained legal counsel and will move forward if this isn't rectified and removed. I hope that they can resolve this without this costing them more than the $396.00 dollars they say I owe to them. Thank you for your time and I look forward to your reply and resolution.

  Business response

  10/19/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by ******** *******. Amerassist's records indicate that Mr. ******* signed a contract with ***** ****** **** ("***") on 1/1/19 for dental appliances. On 1/18/21, SDC referred this unpaid debt to Amerassist for collection.

  
  Amerassist sent a series of letters, text messages and emails and made numerous telephone calls to Mr *******'s telephone number and spoke to him on 3/30/21 to him regarding this debt. During that phone conversation, Mr. ******* stated that he was aware of the unpaid debt and would call Amerassist back to discuss further. There were no additional phone conversations with Mr. *******. Amerassis has no record of Mr. ******* paying this debt in full as he alleges. If Mr. ******* provides evidence of payment in full collection activities will cease.
  

  ****** ** ********

  Customer response

  10/21/2022

  The FCRA rules and Equal Credit Opportunity Act state that the burden of proof of debt falls on the Debt collector to prove the debt. They have not proven the debt only produced a contract that can't be proven as valid. The call-in question never did I state the debt was mines. I would like them to release the call records to prove I stated I owed them this debt. The call was to attest that ***** ****** reported no debt was owed and it reflects this on my credit report. I asked VIA email for proof of payment records that state I missed payments with the whole payment history record. I also requested that they show a Tri-lateral contract between myself, ***** ****** and them. They have failed to produce anything that proves a debt is owed. This will serve as the last chance for them to remove this from my credit report before I move forward with legal actions against them.
  
  Regards,
  
  ******** *******

• Initial Complaint

  10/06/2022

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I called this company today, Thursday, October 6, 2022. I spoke to a gentleman who disconnected the call on me. I called back and spoke with an agent named ********. She then said she was going to disconnect the call on me and did. I called back and spoke to *******. ******* continued to interrupt throughout the entire phone call. She continued to interrupt after I asked her to stop. I brought it to her attention I am a victim of identity theft and the debt they’re attempting to collect is fraudulent. She said there’s nothing she can do about it until and unless I send a police report. That’s not entirely true. Once a consumer is authenticated and informs a debt collector that an account is disputed and is the result of fraud, there is a certain affirmative action the data furnisher must take. ******* then disconnected the call while I was still speaking. I never used any profanity or made any threats. The agents that represent this company are impertinent, and their actions are egregious. I have filed a fraud dispute with the Consumer Reporting Agencies.

• Initial Complaint

  09/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is a formal complaint against AMERASSIST AR SOLUTIONS located in COLUMUBUS,OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, AMERASSIST AR SOLUTIONS has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. As previously stated, this agency is reporting erroneous, derogatory information about me to which is killing my credit & my Professional image. They've refused to send any proof of their claim because they have none since this account has never even existed. Therefore, my only wish is to have them permanently remove the inaccuracies that I’ve disputed from my credit file immediately.

  Business response

  09/20/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by ********* ******. Amerassist's records indicate that Ms ****** signed a contract with ***** ****** **** ("***") for dental appliances. On 12/2/19, SDC referred this unpaid debt to Amerassist for collection.
  Amerassist sent a series of letters, text messages and emails and made numerous telephone calls to Ms ******'s telephone number but was unable to speak to her regarding this debt.
  On11/23/21, 12/21/21, 4/12/22 and 8/24/22. A copy of the SDC contract was mailed to Ms ****** as a result of disputes that she filed through a  credit reporting agency. I am also attaching a copy of the SDC contract to this reply. While Amerassist has marked its records to reflect Ms ******'s dispute, collection activities will continue.

  ****** ** ********
  

• Initial Complaint

  08/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Amerassist have been aggressively attempting to collect on behalf of smoke direct club for 3years and 9months. This company has assumed the role of furnishing information that has not been validated to the Credit Repoting Agencies. Furnishing 3 years worth of late payments has caused me stress and mental anguish.

  This company has also mailed a unenforceable contract without a wet signature declaring it was the legal proof they needed to provide they had the power to collect on behalf of smile direct club. I attempted to reconcile the issue with Amerassist by making a phone call. The representative who answered had no knowledge of the proper collection activities the company must adhere to according to the FDCPA. She yelled and demanded “ Oh you owe this debt, you used it and you got to pay, oh yeah you can say what you want but you owe “. That clearly an unlawful attempt to coerce me into paying the alleged amount.

  The company has not responded to the CFPB complaint from 05-30-22. I called Amerassist and was told “I guarantee you owe this debt & you gone pay”. Then placed on hold by the rep who then came back on the phone to tell me all supervisors were in a meeting.

  The company won’t respond to no complaints but they keep sending me a two page contract which has a electronic signature that looks like it was copied and pasted.

  I asked for a list of things such as a debt validation, audit trail, c&d order and they will not adhere to my requests.

  Business response

  08/15/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by Ms ********** Amerassist's records indicate thatMs ********** authorized her electronic signature for a contract with Smile Direct Club ("SDC") on6/1/18 for dental appliances. On10/25/18, SDC referred this unpaid debt to Amerassist for collection.
  Amerassist sent a series of letters and emails and made numerous telephone calls and text messages to Ms ********** regarding this debt. There was only one actual contact, a phone call on 7/22/22 during which Ms ********** hung up on the Amerasswist representative.
  On5/ 20 /21, a copy of the SDC contract was mailed to Mr. ********** at her request While Amerassist has marked its records to reflect Mr. ********** dispute, and the trade line is being deleted from her credit file, collection activities will continue.
  Philip W

  Customer response

  08/16/2022

  I am rejecting this response because: 

  I am rejecting the response. The General Counsel did not tell the truth about the phone call. Actually I am certain he does not have the full knowledge of the phone call. I made two outgoing calls to Amerassist in regards to this alleged debt. The first call the representative yelled “oh yeah you do owe this debt”. She challenged me on the phone call then placed me on hold when asked for the supervisor. She came back on and said the supervisor was in a meeting and was not available to handle

  my concern. I called the next day and was told the same thing. I challenge Amerassist to pull both calls that I uploaded. Hand the calls over to the Attorney General so they can see how rude, aggressive and unprofessional your staff is. I will have a lawyer to look into this so that we can get the calls as proof for my complaint. You also admitted to harrassing me. You have admitted to calling and texting me when although you did not have permission to do so. You have admitted to emailing me and sending letters in regards to this debt without permission. Everytime I ask for the debt to be violated Amerassist send a one page contract with a electronic signature. The signature does not belong to me for one. Amerassist has not responded to the CFPB Complaint. When asked for validation Amerassist sends a one page contract that does not contain the necessary variables  I am demanding you to cease collection on this debt because you have violated me as a consumer in a plethora of ways. 

  Business response

  08/24/2022

  Amerassist has closed this Account, issued a deletion to the Credit Bureau and returned this debt to the Creditor for their disposition.

  Philip W

• Initial Complaint

  08/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  Business response

  08/15/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by ****** *******. Amerassist's records indicate that Ms ******* signed a contract with ***** ****** **** ("***") on 4/29/21 for dental appliances. A copy of that agreement is attached to this Answer. On 3/8/22, *** referred this unpaid debt to Amerassist for collection.
  Amerassist sent a series of letters and emails and made numerous telephone calls to Ms *******'s telephone number but was unable to speak to her regarding this debt.
  While Amerassist has marked its records to reflect Ms *******'s dispute of this debt, collection activities will continue.
  

  ****** ** ********

• Initial Complaint

  07/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I paid this account off March of 2022. I was told the account would be removed from my credit report and it hasn't. Every time I call they now tell me because I didn't send them a certified payment and paid it with a credit card they can't remove it from my credit report. If I was aware of this, I would have sent it certified. I just wanted to get it paid and removed from my credit report. It is one excuse after another to get this removed from my credit report.

  Business response

  08/16/2022

  As General Counsel for Amerassist, I have been asked to reply to the Complaint filed with your office by ********* ******. This Complaint was answered previously. At that earlier date in April, Amerassist had reported the debt as "PAID IN FULL" . Amerassist never promised to have the trade line deleted from her credit file.

  ****** ** ********
  

• Initial Complaint

  07/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This complain due to the negative marks you’ve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it’s not mine and there’s no way that you can validate it. Your company have taken more than 30 days to respond to my complaints and I intend on holding them civilly and criminally liable. they have broken many laws and they know that. Please note that this is NOT a request for “Partial” Validation but rather, it’s a request for EVERYTHING listed in my letter order to constitute full and sufficient validation of this debt. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act (FDCPA). If not, please refer to 15 U.S. Code § 1692g - Validation of debts.

  Business response

  08/16/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by ****** *******. Amerassist's records indicate that Mr. ******* signed a contract with Smile Direct Club ("***") on 7/7/18 for dental appliances. On 1/13/20, SDC referred this unpaid debt to Amerassist for collection.
  Amerassist sent a series of letters and emails and made numerous telephone calls to Mr ******* telephone number but was unable to speak to him regarding this debt.
  On11/11/21 and again on 6/29/22, a copy of the *** contract was mailed to Mr. ******* at his request. While Amerassist has marked its records to reflect Mr. ******* dispute, collection activities will continue.
  

  ****** ** ********
  

• Initial Complaint

  06/30/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This letter is the 3RD TIME and they still have FAILED to respond to my dispute letters. I have previously sent you a written request to investigate, and I requested that if you cannot find proof in the middle of your investigation about these FRAUDULENT ITEMS BELOW, then you have to “REMOVE” every item I listed down below! I have given you thirty 30 days to provide an answer, which is a very reasonable period of time, and that is according to the Fair Credit Reporting Act. Unfortunately, your company breached dispute duty AGAIN, for the third time, because I have received "NO REPLY" from you, though I did receive confirmation via mail that you did receive my dispute letter. I also received a notification in my Identity IQ account that some of the items listed below have been removed, but why are they still on my credit report? - AMERASSIST AR SOLUTION (Original Creditor: *************** ) Account #: ****** Balance: $1,568.00 = I HAVE NO FINANCIAL OBLIGATIONS WITH THIS COMPANY AND HAVE NO IDEA WHAT THIS UNKNOWN COLLECTION ACCOUNT IS - THIS IS A FRAUD!! Please block and delete this immediately. FTC report # - ********* 

  Business response

  08/11/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by Mr. *******. Amerassist's records indicate that Mr. ******* signed a contract with Smile Direct Club ("***") on 7/10/18 for dental appliances. On4/11/19, SDC referred this unpaid debt to Amerassist for collection.
  Amerassist sent a series of letters and emails and made numerous telephone calls to Mr *******' telephone number . Amerassist's representative spoke to Mr. ******* once on 8/23/19. During that call, Mr. ******* stated that he could mot afford to make any payments at that time. At no time did Mr. ******* dispute this debt and Amerassist received no correspondence from Mr. *******.
  . While Amerassist has marked its records to reflect Mr. ******* dispute, and this trade line has been deleted from his credit files,collection activities will continue.
  ****** ** ********

• Initial Complaint

  06/25/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Amerassist has been negatively affecting my credit for over a year. Amerassist is attempting to collect money from me that I don’t owe. I tried contacting Amerassist multiple times regading this as it shows up on trans union in the amount of $1585 and it reads derogatory. The company states that I opened the credit on May 20th 2020 which is all false and I don’t owe anything. Please take me off your collection list and stop reporting on my credit report.

  Business response

  08/15/2022

  As General Counsel for Amerassist A/R Solutions, Inc., I have been asked to reply to the Complaint filed with your office by ******* ******. Amerassist's records indicate that Ms ******  signed a contract with ***** ****** **** ("***") on 12/2/19 for dental appliances. Acopy of that contract is attached to this Reply On 5/20/20, SDC referred this unpaid debt to Amerassist for collection.
  Amerassist sent a series of letters and emails and made numerous telephone calls to Ms ******'s telephone number but was unable to speak to her regarding this debt.
  While Amerassist has marked its records to reflect Ms ******'s dispute, collection activities will continue.
  

  ****** ** ********
  

  Customer response

  08/26/2022

  **********
  Amerassist states “As General Counsel for Amerassist A/R Solutions, Inc., I
  have been asked to reply to the Complaint filed with your office by *******
  ******. Amerassist's records indicate that Ms ****** signed a contract
  with ***** ****** **** ("***") on 12/2/19 for dental appliances. Acopy of
  that contract is attached to this Reply On 5/20/20, SDC referred this
  unpaid debt to Amerassist for collection.

  
  Amerassist sent a series of letters and emails and made numerous telephone
  calls to Ms ******'s telephone number but was unable to speak to her
  regarding this debt. While Amerassist has marked its records to reflect Ms ******'s dispute,collection activities will continue.****** ** ********”

  Amerassist hasthreatened to continue to pursue me for a debt I do not owe. ***** ******

  cancelled my account and I have provided proof of cancellation. Amerassist
  keeps responding with a validation response when that is not the issue.

  
  Both ***** ****** and Amerassist are continuing to pursue me for a credit I
  do not owe. The country had a mandatory shut down due to the pandemic.
  ***** ****** could not remake the trays that were done incorrectly because
  we were in the beginning stages of the pandemic. ***** ****** closed their
  shops on April 15th 2020 and ***** ****** cancelled my account on May 21st
  2020 because they could not make my trays and could not provide me the
  service that I signed up for. This is not a validation issue this is a
  human rights issue. ***** ****** made two top trays instead of a top and
  bottom tray they could not provide service to me so they cancelled my
  services and forgave debt. Amerassist has no right knowing my medical
  information or trying to pursue me legally. This is a complete violation of
  my rights. This is also a violation of the state of New Jersey as it was in
  a mandatory shut down. The response from Amerassist is abusive “We have
  provided the consumer with validation of the account. The reasons for
  dispute given by the consumer to our agent, the Better Business Bureau and
  the CFPB are inconsistent. Amerassist has blocked the consumer's account
  with a cease & desist to prevent any further communication. The account,
  however, remains due and outstanding to ***** ****** and will continue to
  be reported to credit reporting agencies. ******* ******** email
  ************************”

  for this I am asking for monetary relief at this
  point and for Amerassist to stop pursuing me for a debt I do not owe.
  Amerassist and ***** ****** are committing Fraud and someone needs to
  investigate both companies. For Amerassist to just dismiss what I am saying
  and block communication when they have no right to have my information in
  the first place is injustice. This is Covid Protected we were in the
  beginning of a pandemic that the world has never seen and everything shut
  down. There was no operation due done from any company due to fear of
  passing Covid along. ***** ****** and Amerassist are in violation of the
  State of New Jersey which went into a State of Emergency on March 9, 2020
  by Governor Murphy. I have no obligation to ***** ****** and Amerassist and
  for this I ask for them to stop trying to collect and stop the abuse and
  harassment.
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩