I USE TO BE AN EMPLOYEE OF ARC UNTIL I STARTED BEING NOSEY AND LOOKIN THRU ACCOUNTS I I STARTED SEEING THAT IT WAS REALLY A SCAM AN THEY WERE STEALING PEOPLES MONEY I STARTED LETTIN MY NUMBERS DROP SO I COULD GET TERMINATED. JUST TO LET U ALL KNOW THEY ARE NOT SCARED OF THE BBB THEY LOL AT THEM BUT THEY ARE SCARED OF TH FTC FEDERAL TRADE COMMISION IF U WANT TO SHUT THIS COMPANY DOWN TELL THEM YOU ARE CONTACTING THE FTC CALL THEM AND COMPLAIN AN THEY WILL BE AT ARC IN 48 HOURS AND SHUT THEM DOWN AN INVESTIGATE. TO EVERYONE THAT IS A VICTIM I AM SO SORRY THIS HAD TO HAPPEN BUT NOW I KNOW TO NEVER WORK FOR THIS TYPE OF COMPANY AGAIN AND FOR THE RECORD THEY DO NOT HAVE A LEGAL DEPARTMENT EVERYONE IS IN ONE ROOM SALES AND COLLECTIONS AND NEVER GIVE YOUR CC NUMBER OVER THE PHONE USE A PRE PAID CARD THAT WAY U WONT HAVE TO WORRY ABOUT SOMEONE TAKING YOUR MONEY I SURE LEARNED THAT FROM WORKING THERE AND PLEAS DONT GIVE THEM ANY MORE MONEY.