Arrow appears to be on a roll with the Mellon/PNC Bank scam. I got a letter that said I owed Mellon/PNC Bank over 7K, but they would take my stimulus check and call it even. Because my record is spotless, I called PNC, no record of an account. I then contacted Arrow to find out what was going on and was told this was a debt from 1990 (in 1990, all my debt had been paid to the satisfaction of all creditors). I was told they had to prove nothing, they knew I owed the bank money and I had to prove I paid it off (a lie). When I confronted the rep with various facts (such as the the fact I had no debt in 1990, the SOL had expired on any debt back in 1990, etc), she got real short, gave me the number to "customer service" and hung up.
I immediately got copies of my credit reports (clean, other than an inquiry by Arrow) for a baseline. I faxed Arrow a cease and desist letter (with a little more verbage) and will be mailing a modified copy return receipt requested. I have contacted the IL A.G. And filed a base complaint and I will do the same with my home state A.G. If required. Since the fax, I have started receiving odd calls on my cell and work. The person asks, "who is this" and hangs up. My goal is to nip this before it gets out of hand... I am not one to be easily intimidated.
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