716-256-1552

They say they are ARC Arbitration, but the only one I can find is in Los Angeles, this call is coming from Buffalo New York.  Probably junk debt buyers or scammers

Just had the same message left.  Nothing mailed to me not going to bother returning the call.  Thanks.

I did not answer but the caller did leave a message, saying that they needed to serve me with legal documents and that it required my signature....blah, blah, blah. Thanks for the heads up on the location being Los Angeles even though the call is coming from Buffalo.

I received a call from ARC Arbitration saying they had received legal documents as well. 716-256-1562

Just got the same message.  Thanks for the info...going to ignore.

On Dec 12, a female ( cannot make out her name sounds like Jessica Colean) calls and leaves this number and says she is from ARC Arbitration. She says she received a message ? in her office that needs my immediate attention. It sounded like she was reading from a script.  ARC Arbitration looks like a legit website, but the contact numbers on that site are in L.A., not a 716 number. Sounds like a scam.

Received call from man sounded like scam.  First thing I did after listening to message was google the number!

Left a voicemail for someone trying to collect a debt.

i called they were nice they were looking for another person same name sounded like about a bill

Totally a scam. Do not give any info to these people!!!

They left voice mail at my home number. Sounded as if she said her name was Jessica Storing. When you call back the number, the automated system doesn't even announce the company's name.

I just received the same message five minutes ago. I think it is very alarming to know that there are individuals out here who are so malicious. It can frighten the hell out of you hearing a message like . So so sad.

I received a call today from 716-256-1553 - caller identified herself as Erica Williams and left a message that I had to call her back today or else:
1. The District Attorney would file charges against me
2. That a uniformed deputy would be coming to my home
3. That I needed to disable any alarms I had
4. That I needed to lock up any big dogs
5. That I needed to have adult supervision available for any minor children that might be in the home
6. That I had been warned in accordance with State and Federal law
I called Back and the phone was transferred to an Elaine who said she was Erika
I asked her by what authority can she call me and threaten to have me arrested.
She said, well not arrested by I would be visited by a process server and denied stating that I would be arrested
I responded, you said that the District Attorney would be filing charges against me which means I will be arrested -
Before I could finish, the woman caller said "Have a nice day" and hung up.
Record these calls and report them to your local law enforcement and Attorney General's Office for flagrant violations of the Federal Fair Debt Collection Practices Act and you state may have some applicable laws as well

this person keeps calling about something important at there office

Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.
The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.
The debt collector refuses to give you a mailing address or phone number.
The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.

If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.
Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.
Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.
Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/askcfpb/1699/h ... legitimate.html

I actually work for ARC Arbitrations LLC in California and we do not leave messages stating that we will be having you arrested or criminal charges. We do in deed try to help people with outstanding payday loans try to get back on track to hopefully boost up their credit rating. For all these people that say they have received a call from a woman is giving wrong information. There is only one woman that works with us and her name is Bonnie in which she only do payment processing. The other gentlemen are legitimate professional debt resolution specialist whom only use guidelines from FDCPA. People on here stating bad things are only angry debtors who looks for ways not to pay debts they created but will do anything to try and sue debt collectors over a debt they actually owe. The company is located in New York, California and Georgia for those who are not aware of their locations. We do not give out our physical address for the safety of our employees.  The attorney general in New York State is one of the strictest on debt recovery and if ARC Arbitrations was violating anyone rights or FDCPA laws would of been shut down before it got started. Thanks for reading...

>>>>I actually work for ARC Arbitrations LLC in California and we do not leave messages stating that we will be having you arrested or criminal charges. We do in deed try to help people with outstanding payday loans try to get back on track to hopefully boost up their credit rating. For all these people that say they have received a call from a woman is giving wrong information. There is only one woman that works with us and her name is Bonnie in which she only do payment processing. The other gentlemen are legitimate professional debt resolution specialist whom only use guidelines from FDCPA. <<<<

A: Nice try at blowing smoke here! The OP's have posted legitimate complaints. Nice of you to confirm the game your playing though.  Epic fail, no one bought the story!

>>>> People on here stating bad things are only angry debtors who looks for ways not to pay debts they created but will do anything to try and sue debt collectors over a debt they actually owe. <<<<

Proof please!!!  We all know about the skip tracing and other tactics used and that every one is a liar except the DC calling regardless of and in violation of..  Blowing smoke again, put the bong down!

>>>>The company is located in New York, California and Georgia for those who are not aware of their locations. We do not give out our physical address for the safety of our employees. <<<<

Public knowledge there, so are the business licenses and other information.  If you haven't got anything to hide, then you should be proud to post a legal, verifiable street  address, city & state and not some PO in the local UPS store in the strip mall!  But hey, anything to avoid those C&D's, DV demands and dodge the ol lawsuits hey?

>>>>The attorney general in New York State is one of the strictest on debt recovery and if ARC Arbitrations was violating anyone rights or FDCPA laws would of been shut down before it got started. Thanks for reading...<<<<

Another bong full of smoke there also. Takes time, and they mostly get their hands slapped, otherwise NCO and Portfolio would have been shut down years ago, but they are still pulling the same ol same ol violations.  And yes, we also know the NY AG loves DC's and that he does indeed go after them. That is why we recommend for people to file complaints with their State and the state AG the business is located in. Oh, do you have a license for all states? Another point we also inform people of, you also have to be licensed in the other state you are trying to collect in.. OOPS! Did I say that?  Its one of those things you DC's don't like people knowing.. sorry if I let the cat out of the bag!

Nice Try, epic fail!

However, thanks for bringing it to our attention! Will make sure the needed information gets posted here! Oh, no valid verifiable street address "because of

They have 3 offices

Just so you know. No one can just pull your information out of the sky like you are misinforming these people. If someone is calling with your address, place of employment date of birth and social security number best believe they are real. Some debt collectors do disrespect debtors but, did you ever sit and wonder why? Debtors call collection agencies 9 out of 10 to look for a law suit and the only way they can that is to call and be [***] to the collector and hope they say something in violation of the FDCPA. The law protect dead beat debtors instead of actually holding them responsible for their actions like criminals. The national debt comes from people like you who look for every reason under the sun to avoid paying your bills. Quit looking for excuses and pay your bills like real tax payers do everyday. I see a lot of people going for these pay day loans and not paying them back and if the government would lock them up and make them pay it back life would be a lot easier and banks would not have to freeze people accounts because they gave false information to obtain a loan they had no intentions on paying. How ignorant could you be? You have bad credit and someone is nice enough to lend you their hard earned money and you won't even pay them back after they give you a break real creditors will NOT do for you.

>>  hope they say something in violation of the FDCPA.  <<

Um ... you really misunderstood Alfalfa's post ... deliberately?

Bottom line:
Debt collectors or their agents MUST notify the supposed debtor IN WRITING ... and provide a Validation Notice ... BY LAW.
A mere phone call is not legally sufficient.

Lurkers:

A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors