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FINANCIAL CREDIT SERVICE, INC.

Branch

Company Details

Name: FINANCIAL CREDIT SERVICE, INC.
Legal type: Foreign Corporation
Status: Inactive
Standing: Bad
Profit or Non-Profit: Profit
File Date: 28 Jul 2015 (10 years ago)
Authority Date: 28 Jul 2015 (10 years ago)
Last Annual Report: 25 Aug 2021 (4 years ago)
Branch of: FINANCIAL CREDIT SERVICE, INC., ILLINOIS (Company Number CORP_63083658)
Organization Number: 0928221
Principal Office: PO BOX 5002, VILLA PARK, IL 60181
Place of Formation: ILLINOIS

Registered Agent

Name Role
KY SECRETARY OF STATE Registered Agent

President

Name Role
Bruce Cohen President

Secretary

Name Role
Mario Bianchi Secretary

Assumed Names

Name Status Expiration Date
ASSET RECOVERY ASSOCIATES, INC. Inactive 2020-07-28

Filings

Name File Date
Revocation of Certificate of Authority 2022-10-04
Annual Report 2021-08-25
Annual Report Amendment 2020-09-08
Annual Report 2020-08-11
Annual Report 2019-06-27
Annual Report 2018-03-13
Annual Report 2017-04-27
Annual Report 2016-06-07
Application for Certificate of Authority(Corp) 2015-07-28
Certificate of Assumed Name 2015-07-28

CFPB Complaint

Complaint Id Date Received Issue Product
2242252 2016-12-08 Taking/threatening an illegal action Debt collection
Issue Taking/threatening an illegal action
Timely Yes
Company Financial Credit Service, Inc.
Product Debt collection
Sub Issue Threatened arrest/jail if do not pay
Sub Product I do not know
Date Received 2016-12-08
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2016-12-08
Complaint What Happened I got a call from XXXX asking to speak with XXXX XXXX. That is me so I confirmed. They told me they were with ARA XXXX and they were calling to notify me that a federal judgment would be filed against me for the debt I owe XXXX on an unpaid credit card balance. I told them I have never heard of that bank and do n't have a credit card with them. She asked me if the last XXXX of my social were XXXX and the numbers she gave were the last XXXX of my SSN. I said okay and the call was disconnected. I tried to call back and got the run around. They asked to look me up by my SSN but I would not give it to them. She asked what city and state I live in and was able to " find my account '' that way. She then read me all of my personal information. My full name, DOB, and SSN. She said that I had a federal judgment that was going to be filed and a summons to appear in court or a warrant for my arrest would be issued. She then told me she was only a receptionist so she would have to transfer me to the legal depart. I was then put on hold and nobody ever picked up.
Consumer Consent Provided Consent provided
1934979 2016-05-20 Communication tactics Debt collection
Issue Communication tactics
Timely Yes
Company Financial Credit Service, Inc.
Product Debt collection
Sub Issue Used obscene/profane/abusive language
Sub Product Credit card
Date Received 2016-05-20
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-05-20
Consumer Consent Provided Consent not provided
3255749 2019-05-28 Took or threatened to take negative or legal action Debt collection
Tags Servicemember
Issue Took or threatened to take negative or legal action
Timely Yes
Company Financial Credit Service, Inc.
Product Debt collection
Sub Issue Threatened to sue you for very old debt
Sub Product Auto debt
Date Received 2019-05-28
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-05-28
Complaint What Happened XX/XX/XXXX XXXX Caller from ARA Inc. XXXX XXXX XXXX did not give statement that he was a debt collector or mention the call was being recorded. I did not acknowledge the debt yet he gave the debtor 's personal information including name, birthdate, and full social security number. He said the debt was from XX/XX/1997 in XXXX XXXX. I did not have any car repossessed in XXXX XXXX. He threatened me with legal action and that it would appear on my credit report. I informed him I would not give any information since I did not know who he was so he said he was going to " play this recording, because you are being recorded, to the court. '' The name he gave was XXXX XXXX. I informed him he was not to call this number again.
Consumer Consent Provided Consent provided
1937764 2016-05-24 Cont'd attempts collect debt not owed Debt collection
Tags Older American
Issue Cont'd attempts collect debt not owed
Timely Yes
Company Financial Credit Service, Inc.
Product Debt collection
Sub Issue Debt is not mine
Sub Product I do not know
Date Received 2016-05-24
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2016-05-26
Complaint What Happened Today, XXXX XXXX, 2016, I received a letter from ARA, Inc. stating that I owed them {$23000.00} for a debt that I did not incur. I called them immediately and was asked by their representative, XXXX XXXX XXXX, if my social security number was XXXX. I stopped him after the third number and told him it was not me. He then proceeded to tell me, " according to the Federal Social Security Database, that I am related to him. '' He then proceeded to tell me MY social security number and maintained that IF it was truly my s.s. number, that I had to be related to the other person with a name that happens to be identical to mine. I have a seven-year fraud alert on my credit report and he acknowledged that he saw that when trying to find his debtor. My question is : how is it possible that he gets my social security number when I have done nothing wrong and is able to threaten me with a bogus letter? Further, how can he lie about a Federal Social Security Database that tells him that his debtor is related to me?
Consumer Consent Provided Consent provided
1315348 2015-04-03 Taking/threatening an illegal action Debt collection
Tags Servicemember
Issue Taking/threatening an illegal action
Timely Yes
Company Financial Credit Service, Inc.
Product Debt collection
Sub Issue Threatened to sue on too old debt
Sub Product Credit card
Date Received 2015-04-03
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-04-22
Consumer Consent Provided Consent not provided
1275072 2015-03-10 Taking/threatening an illegal action Debt collection
Issue Taking/threatening an illegal action
Timely Yes
Company Financial Credit Service, Inc.
Product Debt collection
Sub Issue Threatened arrest/jail if do not pay
Sub Product I do not know
Date Received 2015-03-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-03-10
Consumer Consent Provided N/A

Court Cases

Docket Number Nature of Suit Filing Date Disposition
1900249 Consumer Credit 2019-10-22 voluntarily
Circuit Sixth Circuit
Origin original proceeding
Jurisdiction federal question
Jury Demand Plaintiff demands jury
Demanded Amount 0
Termination Class Action Missing
Procedural Progress order entered
Nature Of Judgment no monetary award
Judgement missing
Arbitration On Termination Missing
Office 6
Filing Date 2019-10-22
Termination Date 2019-12-06
Section 1681
Status Terminated

Parties
Name QUILLEN
Role Plaintiff
Name FINANCIAL CREDIT SERVICE, INC.
Role Defendant

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Bruce Cohen

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No related companies by address

Sources: Kentucky Secretary of State

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