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ARS Reports & Reviews (13)

- Las Cruces, NM, USA • Aug 27, 2026
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Will not provide me proof of debt

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- Abbeville, SC, USA • Jul 28, 2026
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This message is from ARS. It is urgent, and time sensitive you call our office to discuss voluntary options regarding your Account with WFC Credit Card for a balance of $1,311.30. To discuss your Settlement Offer option with a live representative please call 719-284-4141.

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- Lawrence, KS, USA • Jul 16, 2026
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Hello, this is Norris Buxton from the offices of ARS. Please contact me or any of our associates at 833-734-2953. Please press one to connect to the next available representative.

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- Tarzana, CA, USA
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They said I did not pay back a cash loan from Easy Money Corporation in 2016 - they had my name, address, work info and bank info that was all accurate. They said I didn't pay the loan back then and since there was no credit app, there was no info on my credit. They said Easy Money was trying to contact me the last 8 years but I have never received anything via mail or calls - and we since moved from there over 8 years ago and no mail was forwarded to my address. The fact that they had the right information on my personal banking which is what scared me. They kept calling for over a week and finally I took the call not knowing who this was - it started with an automated "If this is so-so, press 1" - so I did and I got the mediator who sounded legit. The "automated" person did threaten me if I didn't take the call and the mediator gave me options on what they could do at this point. They did not have any of my paperwork - only that they're the debt collector that could go to court if I didn't settle. They could garnish my wages, etc etc - I do know that I DID NOT have an outstanding cash loan - I would've paid it out then. But, I decided to settle and they came down to $475, a legal DocuSign was sent and a confirmation email was sent out to close out my account. That company that charged my debit was called Empire Capital Network. I also checked my bank but because it was over 8 years, they could not supply my statements from 2016. If I got scammed, I hope this helps someone else. Can someone check on these companies?

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This company has been calling repeatedly, claiming they need to speak with my attorney yet I owe no debt. They have also contacted family members and acquaintances claiming they need my personal information confirmed.

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They called and threatened to serve me with legal action for someone else's debt at my home address. The man was very rude and pushy and tried to get money from me. I think this should be investigated and shut down.

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- Seattle, WA, USA
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I received a call from ARS today. I did not answer because my phone automatically rejects calls from suspected scammers. However, I’ve been working to clean up my credit recently and I have nothing in collections with any such company, nor do I have any new collections. I will file harassment charges if they continue to contact myself and my family.

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This text is from ARS, ___________ we have a legally required notice that was sent out to your property. At this time we need to speak to you or your legal representation. Please call 315-496-7987 to discuss your paperwork received, and refer to Case# 2255300.

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They left a threatening message regarding a debt and a case against me. When I called back, knowing it was probably a scam, they attempted to get me to pay off a credit card. Problem is, I already paid that card and closed the account months ago. And, I did so directly with the credit provider. Ha! Then they requested I email them proof. Yeah right buddy. Not happening. I took the email address and mentioned I would get my lawyer and financial advisor to forward the information. They got upset with that. Too bad I wasn't born yesterday and I am a huge fan of the scammer channels on YouTube. I googled the supposed company after I ended the call. Legit company name that handles financial recovery for the Medical field. My credit card has nothing to do with Medical expenses. Nice try.

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- Sumner, WA, USA
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Leaving voice mails and calling home phone threatening legal action for some undisclosed complaints. This kind of procedure is supposed to be done by mail. These people are annoying and need to be stopped.

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- Marina, CA, USA
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I received a voice mail message from a person describing herself as a lawyer. In this message she accused me with defrauding bank one (capital one bank.) She threatened me by saying her company will come to my place of employment and will force a bank lien for the outstanding balance of $930. I called their telephone number and spoke with a man from a company calling themselves American Recovery Services. Vincent started the phone call in an aggressive tone, said it's being recorded, he told me if I don't settle this balance in a one time fee I will be committing fraud. I asked for more details on the card- he told me I had a balance of $930.00 and that he's willing to pay more than half. He quoted me a settlement figure of "just over $400. I told him I'd look into it and asked to call him back. Vincent said I will call YOU back tomorrow. I spoke with my partner- we had not received any mail or bills from credit one. When he called back I asked him to send proof of this settlement which came over on a gmail account as a simple one page attachment w an ARS company logo and signed by a Mr. Belaire. In this attachment he asked me to pay a different amount (around $130 higher) than stated in the initial phone call. I checked my credit score and found my Capital One card balance as being closed and paid in full. Total scam. When he followed up with a call I told him I will be reporting him to the BBB- he still threatened me with legal action and continued to argue until I hung up. This company had been trying to reach me for about 4-6 weeks. I suspect this scam is a direct result of the Equifax hacking.

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- Marina, CA, USA
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Update on my recent scam- the initial phone call came from a telephone number listed from Roy, WA. 253-215-1939. I just received more phone calls from a company called ARS and (5mins ago) another threatening voice mail from a Lawyer calling herself Heather Lockwood. Here is the telephone number that were left in the recent VM- 888-587-7407. In the time it took to compose this story I have been called twice by the 253 number and 5 times from the ARS company.

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This company keeps calling trying to get info. They are asking for info in contacting my stepfather. They claim a legal case by my step father has never received and type of legal notification in the mail or in person. I am not sure how they got my number but they keep calling and harassing me. I have my number on the national do not call registry.

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