• Report: #1163207

Complaint Review: Kristie Edwards ARA Inc

  • Submitted: Fri, July 18, 2014
  • Updated: Fri, July 18, 2014

  • Reported By: Anonymous — Brooklyn New York
Kristie Edwards ARA Inc
Villa Park, Illinois USA

Kristie Edwards ARA Inc ARA Inc Threatening to collect phantom debt 21 years old I've never heard of. Villa Park Illinois

*Consumer Suggestion: file a complaint with your attorney general of your state

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Last night, I received a phone call out of the blue from an unidentified man claiming I owed $1200.00 on a Discover Card through Chase Manhattan Bank that was opened in 1993. This person knew my social security number and my current address as he nasked me to confirm them.

I have never had a Discover card nor do I use Chase Manhattan Bank. In fact, I have no credit cards at all. When I inquired why I had never heard of this debt or received any letters in the mail, they berated me and got abusive saying that I was lying, that I obviously had received the letters. I asked to speak to a supervisor- Kristie Edwards- who said she could reduce the interest that had accrued if I paid them right now $462.20. I asked again why in 20 plus years I had never received a letter or invoice, they just threw legal jargon at me and rattled off a bunch of previous addresses (some correct, some not) of where I had lived.

I then asked them to send me a letter in writing, which they said they would not do, but if I gave them my email address, they would. Hesitantly, but still scared of thi looming debt, I gave my email. I then received a photocopied letter titled "Affadavit and Assignment" that claimed that they were now in control of collecting this debt. 

I went into Chase Manhattan Bank this morning and asked if they had any information on a charged off account and they said they in fact did not. They said, from their perspective this looked like a scam. The bank associate there even called their internal offices to find out more info and they said there was none.

Kristie Edwards called me again this morning and when i answered, she said "HI this is Kristie" not "Hi this is Kristie Edwards from ARA. Totally unprofessional. I told her I had gone to the bank and they had no records and I was going to get my credit report to see where this was coming from.

So I did get my credit report, called ARA, Inc back, thinking I could clear this up. This is when it got really hostile. The person I talked to was not Kristie Edwards but someone else who told me that if I was a "responsible adult" I would just pay this lowered fee of $462 RIGHT NOW or they'd be forced to sue me, serve me with a court summons and I'd have to pay the entire amount as well, hire a lawyer and pay unspecified court charges of $3500. I got super scared and was on the brink of just paying it, but then I googled them and found this site where I saw many people with similar claims.

At this point, I am ignoring them and if they do decide to sue me or serve me with a court summons, I will dispute the entire thing. I am convinced this is a scam and these people are awful, demeaning and super abusive.


This report was posted on Ripoff Report on 07/18/2014 02:32 PM and is a permanent record located here: http://www.ripoffreport.com/r/Kristie-Edwards-ARA-Inc/Villa-Park-Illinois-60181/Kristie-Edwards-ARA-Inc-ARA-Inc-Threatening-to-collect-phantom-debt-21-years-old-Ive-nev-1163207. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

file a complaint with your attorney general of your state

AUTHOR: tom - ()

First off I am not an attorney. I can only tell you what I had from dealing with fraudulent debt.  I suggest you file a complaint with your state attorney general consumer protection division. I also suggest you record the conversations.  This can be used later as evidence with the attorney general. You can also file a complaint with a u.s. government agency called the consumer financial protection bureau.  In my case they helped. I wish you the best of luck.

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