December 2009  Dealing with them right now and fighting all the way.   I just filed an answer and am heading to arbitration which I wish was not mandatory. (Arbitration is over... www.arbitrationjustice.com)  I am must about to file a response to admissions, request for productions, and am going to make them prove everything and from the list of complaints I just red they will likely fail and I'm hoping for the court to dismiss the case without prejudice.  They are bottom feeders.  They are not going to feed on me.  I had to pay $38 to find out how to fight in court pro se but it was a well spent investment because I have about 18 junk collectors on my trails and this could save me somewhere in the neighborhood of 422,000.

November 2009  They bought a debt from GE Money Bank that had gotten behind when I was out of work and required surgery. Now, I am hearing from Central Credit Services trying to collect for Arrow. Tired of trying to talk to those clowns who simply talk over you, threaten you and then hang up. I would like to get rid of this all, but am not comfortable with them in feeling that no matter how much I paid, this would not simply go away. I do not dispute the GEMB debt, I simply could not pay it at the time. I asked CCS to prove to me that they had any right to pursue this and they informed me that things don't work that way, they can't give me any information until I reach a settlement agreement with them. I contacted GEMB and confirmed that Arrow had bought the debt, at least I know where that stands. I tried to contact Arrow this afternoon and was told that without their reference number or my SSN, they could not look up the account. I did not have the reference number and did not want to give them my SSN. A computer system that can't search files by name? I called in the hopes of putting this thing to bed in a short period of time, but couldn't even get started on it.

I don't mind so much paying a settlement, but I want some kind of assurance that this ends then. I have read too much lately about these things being settled by the debtor and then the file is sold to some other company and it's off to the races again.

I'd much rather have been able to settle with the original creditor, and still would rather do so, personally. I'm not sure what to do next if I can't get my hands on the reference number for Arrow. Any suggestions?

I did pull my credit report from Equifax and Arrow is on there. Should I send validation notice to them and just see what happens? Should I do the same with CCS, though I doubt they will quit ringing phones after receiving it.

November 2009  I also went to magistrate court to defend against Arrow Financial. The attorney for Arrow did not have anything to validate the debt so the Judge dismissed without prejudice. I won this round but I am not sure if this will be the end of it. I am so glad I found this site.

October 2009  I filed a lawsuit in Federal court against Arrow for $1,314,262.50USD on August 27, 2009. Case No CIV-09-00946 in the Western District of Oklahoma. The case is classified as a Civil Rights case with secondary references to FCRA and FDCPA. Anyone with questions can reach me at 405-285-5654 between 9AM-3PM Monday- Friday CST. According to the Federal website: PACER, Arrow Financial Services has been sue 433 times for the same violations, guess they have not understood their own industry and the rules yet. Arrow started around 1994 so to be sued 433 times is alot! Yet they do not learn from these mistakes.

September 2009  Arrow Financial brought a suit against me for a Washington Mutual MC account in July, 2009. I answered the next day by denying all their claims for this $4000.00 alleged dept. The original account was only $1900.00. About one week before the court date of September 5, 2009, Mann Bracken began calling and harassing me with threats of suit. GEEZ, I was all ready sued???. I told them to shove it, I will be in court. I should note that apparently Arrow is now working with Mann Bracken. the affidavit in the suit was signed by Arrow employee Walterine McElroy in Illinois but the address to send my answer was 702 King Farm Blvd Rockville, Md which I found was actually a Mann Bracken office.

Well, I went to Magistrate court here in West Virginia....you should have seen the look on the lawyers face when I stood up and said here...lol. HE HAD NOTHING!!! Not one scrap of evidence, NOTHING!!! Case dismissed!!!! I told him to tell his boss, an Ashley Lawson of Mann Bracken, that I was educated and informed and I will return suit if bothered again. Also that any misinformation in my credit files will also cause suit. He said, now get this, "I'm just a small time lawyer here in WV that gets paid to handle these claims for them, I wouldn't pi$$ on them if they were on fire." then he smiled and shook my hand outside of court.

People, DO NOT LET THESE SCUM BAG, BOTTOM FEEDERS INTIMIDATE YOU!!!! You can fight back and win. I would like to thank Bud for this site has helped me very much. Although his personal advice of "get a good consumer lawyer" was out of my reach I was able to go it "pro se" and win on my own.

March 2009  I paid off a debt that Arrow Financial purchased from First Premier Bank. I noticed the placement of Arrow on 2 of my 3 credit reports. I called them right away and they offered me a settlement. I was told that I would receive a paid letter and that their submissions would be removed from my credit bureaus within 30 days. That was 3 months ago. I finally got the paid letter the other day after calling them and demanding they do what they said they would do. However, the rep. I spoke with the other day told me they never remove the information from the credit bureau. THEY NEVER REMOVE IT. They will lie to you to get you to pay.

February 2009    Well since I have researched and used Bud's site I almost enjoy getting calls from these crackpots. I was hit by a car in 97 and in 02 paid off my overdue debts at a reduced amount and received 1009c's. Well these clowns call and tell me I owe over $18,000 on a old Discover account. First I ask when I had the Discover card? When was it cancelled and when did I last pay on account. Of course they had no info but an account number and amount, I asked for account number and it was my number, it dawns on me that in 02, Eskanos and Adler tried to collect on this account. I paid Discover direct as E&A of course were giant A-holes. I told her this account was closed in 01 and paid directly to Discover. IMPOSSIBLE she says I have account as current until 07, I laugh and say this card was cancelled in 01 paid in 02 and would be past Statute of limitations even if it was owed. Of course she was hooting and hollering the whole time I was trying to talk. I said sorry if your dumbass owner bought a bad debt from some other lowlife CA, maybe you should call Eskanos and Adler or Mann Bracken and harass them to see if they will refund him their money. She hung up, not 4 minutes later I get a call from the same number,a guy this time, I ask his name he mumbles something like Fernando? and lays into me about the debt and I need to pay it or I will be taken to court and blah blah blah, I say prove to me right now I owe the debt, don't just yell numbers at me and tell me to pay, prove it, fax me right now anything that proves I owe you Discover or anyone that amount. Now of course he is backtracking and stumbling for words. I said you have no proof you have nothing, if you feel a need to call me again I want it to be the owner of your company, maybe he might have an IQ of 12 and we can resolve this issue. Please research your accounts and don't let these lowlifes bully, upset, intimidate you. They will holler, they will talk over you, just stay calm all will be well.

February 2009    I have been dealing with this agency for the better part of 6.5 years. They have taken over a debt which was proven, when the original creditor was trying to enforce the collection, as not being mine. This is for a residential phone bill in Texas (where I have never lived), at an apartment complex. To prove that this debt was not mine, I even went as far as to find out the name of the apartment complex, spoke with the management company and they confirmed I never lived there, they had never heard of me, and that this was an error. The manager at the time even agreed to speak with the collection agency and help them any way they could, but Arrow refused to call them. I have tried over and over in excess of 2 hrs per day to speak with someone but no one will help me. I am at a loss as to what to do this is hurting a purchase on a home, and I don't know what to do.

January 2009  After reading all of the posts, I thought I would add something to it. I received what looked like a pre approved credit card application. When really reading over the information, it turned out to be a way for this collection agency to revalidate a debt. If approved you would have a credit card, however, whatever debt was owed would be put on the so called card. If you were approved a higher credit limit than what was owed, you had a credit card to use. The wording on this letter and application was a joke. In the fine print, it stated that by signing the application you were revalidating the debt (not the right terminology, I am sure). The rates were incredibly high. What they sent it to me for was for a debt that was ten years old that I did not owe. I checked my credit reports and it wasn't listed. What concerned me was if someone really didn't read it over and set it in. They could be thinking they are applying for a credit card. The whole thing seemed like a total scam!

December 2008   Thought I would give you a heads-up regarding Arrow Financial Services; apparently after being hit by a fine from the FTC back in 2007, they have changed their name to Arrow Service Bureau, Inc.

November 2008   Received letter from them saying they were collecting for ARROW FINANCIAL on an old Premier card November 2000) with an amount due of $1,000.00 but if I paid $321. they would consider the account paid in full. I have disputed this claim 3 times with ARROW requesting proof of claim and did not receive anything back. Also, I have my credit report from June and this is nowhere to be found on the report. I have once again disputed this account.

October 2008   I received a letter today from this so-called 'company' stating that I owe $8051.96. I have never had any such purchases in this amount, never the less from the "creditstore". When I call the number they provided, they asked for the last four digits of my ss#. I refused to give and and explained that I would NOT be a part of this scam.  I belong to Identity Monitor and check my report each and every month. I also get email alerts when there are changes to my report.  How can companies get away with scams like this?

September 2008   These guys will not quit! Guess having to be sued for 100k wasn't enough for them. They had Wolpoff & Abramson sue me in Bexar County, Texas Pct 1/Plc 1 Judge Caballero's office, for which Wolpoff & Abramson dropped the suit on May 22, 2008 of this year. Now, today, Sept 13, 2008, I get a letter from Arrow wanting to work out an offer and it's NOT even the original amount when they tried to sue me (lawsuit amount was $1643, today's letter states the amount as $2009.95---talk about a HUGE increase in less than 6 months--if I didn't know any better that looks like an extortion amount). Geeesh! These knuckleheads think I must be dumb or something. So, I just fired off a fax along with the information of the original lawsuit from W&A, a copy of the certified letter/return receipt that W&A signed for, and the judges dismissal their buddies @ W&A dropped and that they need to cease communication with me or risk being sued here in good ol' San Antonio, Texas. I've had it with ALL bottom feeders. I may change my degree from finance to consumer protection and advocacy, and put these knuckleheads in their place...out of business!

September 2008   I received a collection notice from Arrow Financial Services for an outstanding debt owed to Bank Of America. It stated that I owed $1240.25 but if I were to pay $186.04 on or before May 27th 2008 they will "consider my account to be settled in full and will stop further collection efforts." I paid the amount of 186.04 before the deadline. A month or 2 later I received another notice from Arrow stating that my current balance is $1069.19 and if I pay $427.68 by August 4,2008 they will "consider my account to be settled in full and will stop further collection efforts." I called them and questioned this. They told me that I was supposed call them first to tell them I was mailing a payment. They said they will send me a notice stating that the balance has been paid in full. It has been at least a month since I spoke with them and I haven't received anything. They definitely seem like a shady operation.

August 2008    Arrow added two collections to my credit report. My daughter, who is over the age of majority went to the doctor and put my address as her place of residence but I did not sign for her and did not even know she went to the doctor but since she put my address as her place of residence they (arrow) assumed that I was responsible. I contested these two additions to my credit report with the credit bureau's and arrow and all arrow did was sent me the hospital records with my address listed on it but my daughter as the guarantor. The credit bureau wrote me back and stated that the creditor has verified that it was my account. How do you fight back against something like this?  You sue through the FCRA.

August 2008    I got something for you and this company. Federal law says that a collection agency an the original creditor cannot not be assignee. Well AFS does this. They place it on my reports, and do not care. I have filed a complaint with the FTC, know it will take a while.

August 2008    Almost daily I keep receiving a message on my telephone answering machine from Arrow Financial Services. They state that the message is for (they give my name) and if I am (my name) continue listening to the message. The message states that they are trying to collect for a debt. They have given various phone numbers at different times, for me to return their calls. The latest representative (yesterday, July 31, '08) said her name was Natasha. The number given for me to call back is 1-866-442-7596, Ext. 3153. I have not returned any of the calls. I have had a similar experience with a law firm in New York state by name of Lenahan Law Offices, which I found out are also "scam artists." Although I am trying to ignore the Arrow calls, it is very annoying to get these calls almost daily.

August 2008    I woke up yesterday morning to find my bank account overdrawn by almost $5000 and when I called BANK OF AMERICA, they instructed me to contact Mullooly, Jeffrey, Rooney & Flynn-an alleged law firm in the Long Island, NY area. The law firm was representing a company called ARROW FINANCIAL who I had NEVER done business with. They had apparently put a restriction on my BoA bank account.

I consulted with an attorney and found out that what had probably happened was that ARROW FIN. bought an old debt (I question the validity of that debt too) and then retained Mullooly, Jeffrey, Rooney & Flynn to sue me for the debt. They then falsified some documents to make it look like I had been served with a summons IN PERSON and had not appeared in court at a date that was in the summons. They then got a DEFAULT judgment because I was not in court. Again, just to clarify-I WAS NEVER SERVED WITH THE SUMMONS SO I DID NOT GET THE INFORMATION AND SO I DID NOT SHOW UP TO COURT. (At the time the summons was supposedly served to me (March 2008) in person, I had moved out of state (I moved a month prior) and have a lease and hotel bills to show for it!)

The proof that I actually received the summons stated that I was a MALE (I'm a female), that I was 5'5 (I'm 5'8 and usually look like I'm 5'10 because I am always in heels), it also stated that I was 115 pounds (I'm actually closer to 180 pounds!).

I got all the information from the City court that all these documents were filed in and am now in the process of filing an 'order to vacate judgment'.

In summary:
1. My bank account is frozen so I do not have access to close to $3000 of MY money
2. Mullooly, Jeffrey, Rooney & Flynn committed fraud when they said that I was served with a summons IN PERSON
3. The debt is from a company that I have never done business with

Once they have re-opened the case, I plan to report Mullooly, Jeffrey, Rooney & Flynn to the New York State Bar association and I may take it further by suing them because of all the expenses that I am incurring dealing with this mess.

IF anyone else has had a problem similar to this regarding either the law firm of Mullooly, Jeffrey, Rooney & Flynn OR Bank of America please respond.

I know that Bank of America also has some very suspicious methods because they seem to sympathize with the creditors/law firms more than their own clients (account holders). Also, every time a restriction is put on a bank account, BANK OF AMERICA benefits because they apply every fee that they can possibly think of!

SO, AGAIN IF YOU HAVE HAD A PROBLEM WITH EITHER BANK OF AMERICA OR THIS LAW FIRM WE CAN START A CLASS ACTION LAW SUIT!

I WILL NOT TAKE THIS LYING DOWN-I PLAN TO GET MY MONEY BACK AND I PLAN TO BE REIMBURSED FOR EVERY FEE THAT I HAVE PAID OR WILL PAY BY THE TIME THAT THIS IS OVER!

June 2008   I co-signed a note for my son with HSBC Retail. My son got behind and they turned to me for payment. I tried to keep up but was suddenly diagnosed with Colon cancer. My medical bills went through the roof and I was unable to pay. They continued to harass me until I filed Chapter 13 and surrendered by interests in the collateral. I have received confirmation of my plan but last night I got a call from Arrow Financial. The representative was extremely rude and when I explained that I had filed bankruptcy, she said it was up to me to fax them proof immediately. I told her I would have my attorney forward the necessary information the following day and she then proceeded to tell me the name of my attorney as well as his phone number. I told her that they were aware of the bankruptcy if they had that information and they were now in violation of the stay order. She said that they weren't and besides that, once the discharge order was received, they would be calling again. She finally hung up as she wasn't getting anything out of me. I looked up their information on the internet and called the Customer Complaint line thinking I would talk to someone with a level head that understood what a bankruptcy stay was. Wrong, I got someone who was just as rude and nasty. She also said that until they had it in writing they would continue to call and I could do whatever I wanted to with my attorney and the stay. She agreed that they had the attorney information and the case information but not the actual documents they needed to stop the calls. When I asked what document she wanted, she said whatever you want to send and hung up.

My attorney has verified today that they were included and the address for information to be sent to them was correct. He is also forwarding them a letter specific to their claim with a copy to my trustee. My attorney has also advised that if they call back, to notify them immediately.

From reading all of the complaints, I do not expect them to stop. What they do not realize is that I am a former collector and am willing to fight all the way. Cancer may have side lined me for awhile but I have since put in remission and am ready to do battle.

June 2008   I dare you to publish this comment. I am an employee of Arrow Financial Services and you guys have no idea what we have to have to deal with.  (We never reveal personal information, so you can tell us anything - consumers or insiders, but we don't publish without an email address.  Sorry.)

June 2008   I was just called by this company a girl names Candace that didn't know how to speak correctly, tried telling me that she was going to sue me for an act my husband owed, when I asked her for the attorneys name she started stuttering, I do not believe this company has the ability to sue anyone. I have faxed over a c&d and will be making an attorney general complaint

June 2008   My husband and I are going to credit counseling next week and I was calling creditors to get balances. I called Washington Mutual (WAMU) and they said my account was sold to Arrow Financial. Well, I got yet another call from Pentagroup Financial and they said they we collecting for WAMU. I asked about Arrow and he said Arrow was a federal funded collection agency through Sallie Mae. Is this true? He said that they won't work with credit counselors and he refused to give me the origional debt balance. He then told me yet again, that he would list that I refused to pay and wished me the best of luck. Now you would think that if they wanted to get paid that they would work with ya some how!

April 2008   I am an employee at Arrow Financial Services, and I was quite surprised to find this site.  We're the sleazy ones.

Although I have read multiple articles in the site and some were helpful...but the agency pages very unprofessional...And the comments, the comments are even more of a joke.

Arrow financial services hires prostitutes, ex-cons child pedophiles & drug dealers that is the kind of people you are
dealing with at arrow!! (Allegedly)" Prostitutes?  Ex-Cons?  Child Pedophiles?  Drug Dealers?  I'm sure...

(The writer also commented on harassing people, breaking FDCPA laws and falsifying documents, but as they did not give their email, we cannot publish it in it's entirety as accurate.)

April 2008   Arrow financial services hires prostitutes, ex-cons child pedophiles & drug dealers that is the kind of people you are dealing with at arrow!!  (Allegedly.)

2007   Arrow Financial has been reporting to the credit agencies that I have a bad debt owed to a credit card company. The problem is the person with the bad debt has the same SS number as mine except the last two numbers and those are the same only transposed. I know this because I went through the same problems two years ago. I have sent Arrow all necessary documentation to prove who I am but they just seem unable to clear this matter up and it is holding up a mortgage refinance. I am amazed at the ineptness of the persons I have dealt with at Arrow. The first item they want is your Social Security number. I tell them my SS number is not in their system and that they are reporting on me inaccurately but they still insist. After giving them my social the first thing Arrows' employee says is " Sorry you are not in our system. " I then proceed to give Arrow the number of the person who does own the bad debt essentially doing their work for them. This debacle has gone on for over a month now. I asked to have a letter sent to me stating this bad debt was not mine and I was told," Sorry we can't send you a letter as you are not in our system." Really) I even tried moving up the food chain to the supervisory level. I was promised a copy of the letter which they said was sent to the credit agencies, I'm still waiting. I think Arrow should compensate me for my wasted time and the aggravation I've had to put up with due to their ineptitude.

2007   I have been receiving letters from this company abut owing money on accounts that are so old that they have been paid off for years. I no longer own a credit card with the company that they are trying to get paid for. Watch out. don't get scammed.

2007   Arrow Financial Services has reported a default loan account of my son's under my credit report through Experian Credit Services that has created some credit problems. I called and spoke with a friendly female representative that confirmed the mistake via the different birthdays. I also mailed a requested copy of the fraudulent report to Arrow Financial Services as requested only to find out that they confirmed the dispute, requested through Experian, as confirming my ownership. This account has been dragged through the legal system for wage garnishment and summons. I've filed a FTC Consumer complaint and I'm getting ready to go-in fighting with the U.S. Government on my shoulders.

2007   The experience has begun: while I had pleasant conversations with one representative -and I authorized a ONE-TIME ONLY electronic payment, I sent the next check by USPS (along with a letter that was VERIFY the amount I owed; I didn't want single sheets of paper with my name and an amount. I wanted copies of all paperwork because the amount I was told over the telephone was exceedingly high). To my dismay, I checked my account to see ANOTHER electronic payment! Completely unauthorized, uncontracted. Yes, I know what I'm up against. When I called their customer service line and gave an identifying number, the representative CLAIMED he had no record of my name. The battle is on...next to contact: attorney generals in all required states; you can call this Part 1.

2007   We had Arrow call us about a past-due amount from GE Moneybank. The first individual we talked to refused to listen to us trying to tell him that we had to make it a certain amount. When I talked to him myself, he was telling me he was going to put us down as unwilling to pay the debt. I promptly told him there's a difference between being unwilling to pay and unable to pay. He argued against it, telling me I was wrong, and then hung up on me. We managed to work out a deal, one where we'd pay it off if we had proof, in writing, that it was paid in full when it was over.

After the whole thing was over, we suddenly had debt collectors contacting us seemingly out of the woodwork, including such prizewinners as NCO (we asked them to stop since they didn't send a letter after 5 days, they still haven't), and CPS Services (who wouldn't give us the required 30 day period to send a dispute and refused a partial payment). It was only after reading about Arrow here that I realized what must've happened, that Arrow sold our contact information to other services, telling them we were an easy target.

2007   All of the comments I have read are unfortunately true and bad news for consumers I use to work for Arrow as a manager and I have witnessed many illegal practices they say they follow the FDCPA but they don't every collector breaks it and are trained on how to break it without it being noticed. collectors are also told that if they don't hit goal (collect a certain amount they will be fired. If you think they treat us consumers bad they treat employees worst. These people are criminals don't let them scare you they can do nothing to you. if you do decide to pay them wait until the last day of the month that's when collectors are desperate to make goal and will settle up to 35% of your debt that's the best way to get back at them. Arrow is so bad that when they fire someone they bribe them with a severance package if they sign a contract stating they will not press charges or file a complaint with the EEOC for wrongful termination. if someone reading this can get this information to Lisa Madigan I would appreciate it I cant do it because I was one of the ones who Signed the Bribe /contract. However I would be more than happy to provide a copy of this bribe this has to be illegal. This is just another illegal practice that Arrow is involved in Someone has to put a stop to them put them out of business if I can help do not hesitate to contact me Bud can you direct me in the right direction or do something about this. In addition they are ripping off Amircas Students they are the largest collection agency of student loans they are Sallie Mae watch out for Sallie Mae On your Credit Report that is also altered and the amounts are consistantley increased. the Head of The student loan collections department is Patrick Kelly Director of student Loans At Arrow/ Sallie Mae I know him personally and he is a Big Crook who only cares about Money he collects not the students our kids may be at arrow for their student loans lets hope not lets stop them!! maggots ,crooks ,bottom feeders, I still feel guilty because of the lies

2007   Gee, these guys are definitely NOT gracious in defeat. After fighting with them since 2005, I sent them a FINAL NOTICE OF INTENT TO SUE, as they have refused to validate an alleged debt from 2002 (paid in full to original creditor), and have re-aged the account twice. Well, I gt a letter today from a Paul Ziebert, Senior Corporate Counsel and it was dripping venom, but they agreed to delete the false trade line. He attached my "cease comm" letter, but none of the other seven sent by Certified Mail demanding validation. Oh well, as long as it comes off, all is well.

2007   Arrow Financial will not stop calling my house. I have never heard of them and have never received any mail from them. They refused to identify who they are and accused me of no cooperating when I refused to tell them private information about where I live, my address, etc. I do not know them and would like them to stop calling my house. They were very rude and belligerent.

2007   These people will try to mess your credit up by placing Bogus entries on your credit file. I had a 10 yr old cellphone account with another carrier then ATT bought them out. I switched to another carrier and cancelled ATT. They billed me for a couple of months after I cancelled. They reported the account as 60 days late. I disputed it. Never got it straight but it finally dropped off Equifax. A couple of years ago I got a notice from Arrow trying to collect on it. I disputed it but they placed it on my credit reports I happened to have a copy of a ten year old Equifax report where it showed the account 60 days. I made a copy and sent it to Equifax. They claimed they investigated and said the report was accurate. Even after seeing it re dated on their own report. Arrow had re dated the account to show a couple of years old and claimed it was accurate. An individual has no chance of getting anything corrected by these Credit Bureaus if the so called Creditor says otherwise. Experian is the worst. Arrow flat out lied in re dating a DISPUTED ACCOUNT. I guess it will be on my credit for another 5 years even though it's ten years old and I never owed the money either.  www.myfaircredit.com

2007   I received a settlement offer letter from FMS\Arrow Financial services regarding an old past credit card debt (Providian) and was told if I pay by a certain date the matter would be paid in full. I paid on time and contacted the agency for a settlement letter; they have been stalling since, telling me that it was faxed; however I never gave them a fax number. Upon further investigation I decided to check my Equifax credit report and noticed that the reporting date had been changed and that there was a balance owed, the original amount minus the settlement paid and the account was noted as open not closed paid in full as promised. My score dropped 40 points.  Yet debt collectors don't understand why they aren't trusted...

2007   On February 14th I received two letters from Arrow Financial Services. Both had my address with names similar to mine but are not me. They referenced two different accounts. On February 16th, I received another letter with yet a different name and account. In May I received yet another letter - different name and account. Each time I have called and explained that they have the wrong address but I want to know why my address was added to these accounts. I also received a letter from RJM Acquisitions for yet another name and account. I have also received two calls from collection agencies for two more names and accounts. No one will explain why my address or phone number is on these accounts. After threatening to call the MI State AG I finally got the name of a customer service manager at AFS. A week after leaving her a message I still haven't actually talked to anyone that will resolve this problem. The debts are not mine. Someone fraudulently put my address on these accounts. Arrow staff had been rude, nasty and unwilling to help. I'm afraid how much further this will go before I can't get it resolved. How many more accounts will they put my address on before I can get the situation resolved?

2007   I just received a summons today for a suit filing by Arrow and their locally hired attorney. The complaint was filed on Oct of 2006 and because I haven't lived at the address they filed in the complaint for over 4 years they somehow obtained my parents address and the sheriff attempted to serve me there and of course my parents called me because of the service attempt notice left on their door. The complaint was filed about a month before the SOL was up on the account but since it took 9 months before I ever received the notice of complaint is that Civil action even still valid back to the date filed?

2007   I have Continuously dispute this account with the rep's of this collection company. I have asked them to validate this debt with no success. This was a account with a company Builder's Square, that filed for bankruptcy and went out of business in 1998. They are reporting a date of 2003 and are reporting a last date of activity date of 2002( re aging of this account). The three major credit bureaus continue to send my disputes back as verified. The rep's will call me and say thing that borders harassment.

Our account was turned over to Arrow Financial and we have been paying them over 150.00 a month. 2 Days ago we found out that they are charging us almost 57% interest on this account. Is this legal? Anyone out there know about this or experienced the same thing?  There's a great consumer attorney in Dallas...

2007   I have had nothing but trouble from these people. They call my cell phone at least ten times a day. The number always comes up blocked. When they do leave a message, the number they leave is bogus. I finally spoke with a Mr. Driver briefly. I told him that I was at work and that I could not talk to him. He said for me to call him back from another phone. I told him to send me whatever he had to say in writing as I do not discuss personal business via phone (I learned the hard way) I received nothing. Now a debt in the amount of $1496.00 has appeared on my credit bureau for Arrow Financial "as a assignee of Wash Mut" I never had an account with Washington Mutual other than a regular bank account which was closed by me personally over a year ago. I have disputed the debt but the credit bureaus refuse to remove it. They say that the creditor has verified the debt. I want the paperwork but when I request it I get no response. I need this removed from the credit bureaus. How do I go about it?  (Dispute it with the credit bureaus in writing.)

2007    I hope this letter finds you in good health and spirits. I wrote to you earlier concerning Arrow Financial services LLC. I appeared in court with them today. My case was almost immediately dismissed with prejudice against Arrow and they were not a happy lot in leaving. Fact is, their attorney reminded me of a little school kid who was just sent home for throwing spit balls.

I found a Montana State Supreme Court decision, Case # 93-301. That case ruled on application of the MT. Statute of Limitations as it applied to a Visa Card dispute. The only conditions different from mine was in that case, 5 years and 2 months had passed and in mine, nearly 8 years have elapsed. Arrow obviously was counting on me not being in the Court so they could get a default judgment as they are probably accustomed to with impoverished folks who cannot employ an attorney. When I walked in and sat down with a brief case full of papers, they turned quite pale, very nervous and appeared ready to break and run. It was done and dismissed in short order as they had not a damn substantial thing to offer and not one document with my signature. What they did present, I objected to and it was not allowed.

FYI, The Sate of Illinois Attorney General, Lisa Madigan has now filed another suit in Cook County Illinois against Sallie Mae & Arrow for their continued illicit tactics. It appears that little was learned from the Minnesota affair. I also plan to contact our State Attorney General and file a complaint based on the Federal Consumer Protection laws and Fair Collection.

Thank you so much for taking time to inform the general public of our rights and giving us a sense of direction with disputes such as mine. You were right all the way! Many of the lesser privileged will undoubtedly benefit as I did. It is not about avoiding payment of legal debts, but more so to prevent rape by lies and judgment.

2007   These people called me and left a full detailed message on my voicemail about an outstanding debt and I need to return the call to make arrangements on this debt. Also included that they are a debt collector and any information given will be used to collect a debt. Well, being a debt collector myself (kind of ironic huh), that is against the law and under NO circumstances are they allowed to leave a detailed message like that!

2007   This company has reported to Experian that I owe $1,815.00 to the as assignee of GE Money Bank. I have no idea what this is about at all but it is on my credit report as bad credit now. BEWARE!  (Keep records of everything, and dispute the item with the credit bureau...)

2007   I received an offer from Arrow Financial Services to pay off a debt from JC Penny for $560. They offered me 145 to settle which I accepted. Then after call several time, they finally snt me a letter saying the account was closed. But it was closed and they sold the same account to another collection company Pressler & Pressler for the same debt. After getting my credit it and going back and forth with these two companies, I got the matter finalized , or so I thought. Now a year later Arrow Financial is coming after me for the same debt I settled with a year ago, but now they have tacked on interest. Here I go again.   How honest is a collector who buys a debt for pennies on the dollar, makes 500% profit in your settlement, sells the debt to another agency and still has the nerve to collect from you again...)

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