833-665-1745: Complaints, Reports, and What We Found

Who's Calling from 833-665-1745?

The 833-665-1745 phone number is registered to Frost-Arnett. They're calling you about a medical debt they think you owe, and they've been contracted by a healthcare provider to collect that debt. If you're seeing this phone number on your caller ID with no explanation, you're dealing with one of the longest-established collection agencies in the nation.

You're Not the First to Complain

Frost-Arnett Complaints

Over 200 complaints are logged against Frost-Arnett on the Consumer Financial Protection Bureau (CFPB) database, with more than 80 of them submitted in the past year. The agency's BBB profile shows between 60 and 78 formal complaints in the past three years. Over 100 federal lawsuits accuse the company of violating FDCPA. Among them was a class action settlement in the case of Sholinsky v. Frost-Arnett Company. The class action alleged the information on collection letters was improperly showing through the envelope windows, revealing consumer account numbers. No government agency has taken enforcement action against Frost-Arnett.

Why Is Frost-Arnett Calling Me?

What Kind of Debt Do They Think I Owe?

Frost-Arnett primarily collects medical debt. If you've been to a hospital, urgent care facility, or specialist practice recently, you may have a balance in collections after the insurance has been processed. Billing errors, slow claims, and balance adjustments you never knew about can create mysterious collection activity.

"I don't feel that Frost-Arnett has the right to collect from me as my balance with this account is zero, but they continue to try and collect the adjusted amount from the insurance company," wrote one complainant on the BBB website. That's a theme you see repeated in the complaints.

Are They Telling You Why They Called?

We mentioned that Frost-Arnett callers are accused of refusing to identify themselves or explain their call until the consumer offers sensitive personal and financial information.

"She sounded very official, like a government representative or something, and was asking for the street number of an address based on my Social Security number. I asked several times who she worked for and what the call was in reference to and she wouldn't tell me," explained one consumer on EveryCaller.

Another consumer on the BBB website wrote, "They ask for your birth year or the last four digits of your Social Security number or your full address but when you don't know who's calling, they make you out to be the one that is being difficult by asking them to protect your identity."

Is This a Legitimate Debt?

Have You Confirmed the Debt Is Real?

The Fair Debt Collection Practices Act (FDCPA) says you have the right to request written validation of a debt. If you request it within 30 days of initial contact, the collector must cease collection activities until they provide that validation. The question is, have you ever received any documentation from Frost-Arnett that proves the amount, the original creditor, and the reason for the balance?

"The calls from this company never cease. I never answer because I don't know who they are. I finally looked up the phone number and found this website. I never received a message from them and never received a letter in the mail," wrote a woman named Janet on JustAnswer.

Frost-Arnett has a stated policy of not leaving voicemails because of privacy concerns, which means consumers see a string of missed calls from unknown numbers with no way to identify the caller.

Could This Be a Billing Error?

Medical billing is one of the most error-prone consumer experiences on the market. Denied insurance claims, incorrect procedure codes, and failed coordination of benefits can all result in balances that get sent to collections before anyone realizes there was a problem.

According to its FAQ, Frost-Arnett is a third-party debt collection agency collecting on behalf of a healthcare provider. The accuracy of the information is only as good as the information provided by the client. If the provider's billing department made an error, Frost-Arnett may be collecting a debt that was never valid.

What's Going On with Your Credit?

Does the Collection Account Show On Your Credit Report?

If there's a collection account on your credit report, you can bet it's hurting your credit score. Depending on the rest of your credit profile, a single collection account can drop your score dramatically. If Frost-Arnett has made the account report, that could already be affecting your ability to qualify for loans and credit cards, or receive the lowest interest rates available.

Credit score damage is the primary way consumers are harmed by collection activity. While a debt collector might suggest a moral obligation to pay or threaten legal action, the real consequence is the damage to your credit report. And that consequence can last as long as seven years from the date of the original delinquency, even if you pay it.

Can You Remove It without Paying?

This is the part debt collectors hope you never figure out. The Fair Credit Reporting Act (FCRA) says every item on your credit report must be 100 percent accurate and verifiable. If it's not, the credit reporting agencies must remove it.

The FCRA and FDCPA provide consumers with leverage they can use proactively to dispute and remove collection accounts. When you dispute the account, the debt collector has just 30 days to verify the account with documentation. If the collector cannot meet that burden of proof, the credit reporting agencies will delete the item.

Many consumers do not realize that in a credit report dispute based on verification, the credit reporting agencies will decide in favor of the consumer when the debt collector fails to verify.

What Can You Do?

Should You Handle This On Your Own?

You absolutely have the right to dispute a debt on your own, but you need to understand the process requires precision. Debt collectors understand the system like the back of their hand, and a misworded dispute letter or missed deadline can actually strengthen their position.

While a DIY dispute is certainly possible, most consumers lack the expertise and persistence – not to mention the specialized knowledge of federal credit reporting law – to go it alone against a company that's been collecting debt for more than 130 years. A professional advocate working on your behalf changes that equation entirely.

What Can a Professional Advocate Do That You Can't?

A professional credit dispute expert understands which documentation the collector must provide to meet their burden of proof. They understand which federal regulations apply and how to craft a dispute that applies maximum pressure. They understand how to escalate for maximum effect if the initial dispute response is not satisfactory.

When Frost-Arnett is making phone calls from rotating phone numbers and refusing to identify themselves, yet pursing debts consumers say they don't owe, those behaviors create vulnerabilities a skilled credit report dispute expert can exploit to force deletion of the collection account.

"It's a never-ending situation. I block the numbers but they just keep calling from a different number," wrote another BBB reviewer. When you're dealing with a collection agency that persistent, you need something stronger than a fill-in-the-blank template letter.

How Do You Make the Calls Stop?

What Does the Law Say?

The FDCPA says you have the right to send a written cease-and-desist letter instructing a debt collector to stop contacting you. Once they receive that letter, they are legally prohibited from calling you again except to confirm they're ceasing contact or to notify you of a specific legal action.

However, ceasing the calls does not resolve the credit report damage. There's a smarter way to address both problems at the same time. A formal credit report dispute challenges whether the collection account is accurate and verifiable. If the account cannot be verified, it must be deleted from your report altogether.

What to Do Next

Don't answer phone calls from numbers you don't recognize.

Don't give personal or financial information to someone who calls you on the phone but refuses to identify themselves.

Don't assume that just because a debt collector is calling you, the debt they're trying to collect is legitimate.

Order copies of your credit reports from each of the three credit reporting agencies and review them to see whether Frost-Arnett has made the account report.

Keep a record of every phone call you receive. Every voicemail. Every text message.

But here's the step we most want to emphasize: Do not contact the collection agency directly. Any information you provide over the phone can be used to substantiate their claim, which makes it much harder to remove the collection account from your report.

Your communication should always be strategic. It should always be documented. And it should always be handled by someone with the specialized knowledge to understand which pressure points will force the deletion of this account.

Conclusion

Take Charge of Your Credit Report

Frost-Arnett has been in the medical debt collection business since 1972. The agency operates in 44 states. It serves more than 2,500 healthcare provider clients. It has survived more than 100 federal lawsuits without a single government enforcement action. Frost-Arnett is not going to stop calling you just because you want it to. It's going to stop when someone who understands federal credit reporting law forces the issue on your behalf.

If you've been seeing the phone number 833-665-1745 on your phone and Frost-Arnett has placed a collection account on your credit report, do not wait any longer. Every single day that account remains on your report is another day your credit score is taking a hit.

At FightCollections.com, we specialize in disputing collection accounts and using the FCRA and FDCPA to challenge items that cannot be verified. Contact us today for a free consultation and find out how we can help your specific situation.