Frost-Arnett contacts you about a medical bill, and the dollar amount on the call does not match what your insurance company shows. According to BBB records, the agency has accumulated complaints alleging billed amounts of $2,000 or more when insurance Explanation of Benefits documents list balances closer to $70. Frost-Arnett has operated as a Nashville-based medical debt collector since 1893, and that history does not exempt every call or letter from federal debt collection law.
Key Takeaways
- Frost-Arnett operates from 2105 Elm Hill Pike STE 200, Nashville, TN, and has collected medical debt since 1893.
- Court filings allege Frost-Arnett’s collection letters failed to clearly explain dispute rights, the basis of the Golubchik FDCPA lawsuit.
- Consumers report billed amounts that allegedly exceed insurance-confirmed balances, often tied to out-of-network provider charges.
- The FDCPA and FCRA govern how Frost-Arnett may report and collect on medical accounts.
- Statutory damages under the FDCPA reach up to $1,000, with $500 to $1,500 available under the TCPA for unlawful calls or texts.
- The Wood Firm PLLC reviews these cases on contingency, so a consultation carries no upfront cost.
Free Case Review: +1-844-638-1122
Who Is Frost-Arnett?
Frost-Arnett is a family-owned medical debt collection agency based in Nashville. The company has operated since 1893 and collects exclusively for hospitals, labs, and healthcare providers. The BBB has accredited Frost-Arnett since 1961 with an A+ rating, according to its BBB profile.
- Also Known As: Frost-Arnett Company
- Address: 2105 Elm Hill Pike STE 200, Nashville, TN 37210
- Founded: 1893
- Specialization: Medical debt only, including hospital, lab, and provider accounts
- BBB Profile: Frost-Arnett BBB listing
What Phone Numbers Does Frost-Arnett Use?
Frost-Arnett contacts consumers from several numbers tied to its Nashville office.
- Phone: 866-846-7852 | (866) 846-7852 | +1 866-846-7852 | 8668467852
- Phone: 833-665-1745 | (833) 665-1745 | +1 833-665-1745 | 8336651745
- Text Shortcode: 64842
If a call or text comes from a number not listed on frost-arnett.com, treat it as unverified until your hospital or insurer confirms it.
Why Is Frost-Arnett Calling You?
Frost-Arnett is calling you because a hospital, lab, or healthcare provider assigned your unpaid balance to the agency for collection. The account may originate from a visit you remember or from an out-of-network provider who billed separately. Frost-Arnett’s outreach typically follows a creditor placement, not an independent debt purchase.
In our practice, we request the original assignment or placement letter on every Frost-Arnett file. That document shows which provider referred the account and when, and a missing or inconsistent placement letter can undercut the agency’s right to collect.
Does Frost-Arnett Send Text Messages?
Yes. Frost-Arnett’s own outreach can include text messages, but consumers on Reddit and other forums report phishing texts that impersonate the company. Reported scam texts use phone numbers and links that do not match frost-arnett.com.
- Real outreach: numbers listed on frost-arnett.com, no demand for gift cards or wire transfer
- Likely impersonation: unfamiliar links, urgent payment demands, numbers absent from the official site
Verify any text by calling the numbers listed above directly, or by contacting your hospital’s billing department first.
Is Frost-Arnett a Scam?
Frost-Arnett is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. Scammers reportedly impersonate the company using spoofed numbers and phishing texts, according to consumer complaints. Genuine Frost-Arnett contact includes physical mail from its Nashville address and a written validation notice naming the original creditor.
Allegedly, some consumers received Frost-Arnett validation letters from a P.O. Box rather than the agency’s physical address, which raises documentation questions. If your hospital denies using Frost-Arnett at all, that gap deserves scrutiny before you pay anything.
Is Frost-Arnett Banned by the FTC?
No. Frost-Arnett has not been banned by the FTC. The company has faced private federal lawsuits and a class action privacy settlement rather than a direct FTC enforcement action.
Because no FTC ban exists, the most relevant oversight comes from private FDCPA litigation, the Tennessee Attorney General’s consumer protection division, and the CFPB complaint process. In our experience, the absence of an FTC ban does not mean Frost-Arnett’s conduct is unchallenged. It means enforcement has come through individual lawsuits instead.
Has Frost-Arnett Been Sued?
Yes. Frost-Arnett has been named as a defendant in multiple federal lawsuits and a privacy class action settlement.
- Golubchik v. Frost-Arnett Company, filed 2018: alleges collection letters failed to clearly explain that debt disputes must be submitted in writing.
- Bartz v. Frost-Arnett Company, Case 2:18cv1420, filed 2018: alleges additional federal FDCPA violations in collection correspondence.
- Frost-Arnett privacy settlement, 2015 to 2016: resolved claims that account numbers were visible through envelope windows.
When we open a Frost-Arnett file, we pull the exact collection letter the client received and compare it against the language at issue in Golubchik. A letter that repeats the same ambiguity may support an independent FDCPA claim.
Why Does Frost-Arnett’s Amount Not Match My Insurance?
Consumers report billed amounts that exceed what their insurance Explanation of Benefits shows as owed, sometimes by a wide margin. Out-of-network providers, particularly anesthesiologists and radiologists, often bill separately from the main hospital charge. Frost-Arnett may be collecting on one of those separate, unreconciled balances.
- Request an itemized bill listing every provider, service date, and charge.
- Compare that itemized bill against your insurance EOB line by line.
- Call your insurer to ask whether surprise billing protections apply to the discrepancy.
Will Frost-Arnett Show Up on My Credit Report?
Medical debt does not always appear on credit reports under current credit bureau policy. Recent industry changes limit how and when medical collections are reported. An account’s absence from your credit report does not mean the underlying balance is resolved or invalid.
How The Wood Firm PLLC Helps Stop Frost-Arnett Debt Harassment
When a client’s Frost-Arnett file shows a billed amount that does not match insurance records, we pull the itemized charges and the original creditor placement letter side by side. If the letter mirrors the language at issue in Golubchik, or if texts came from numbers absent from frost-arnett.com, those facts can support an FDCPA or TCPA claim. We also review whether account numbers were visible through an envelope window, the same defect at the center of Frost-Arnett’s prior privacy settlement.
We take these cases on contingency. You pay nothing unless we recover compensation, and if Frost-Arnett violated federal law, the company pays our fees, not you. After you call, we request your collection letters and any texts, then tell you within days whether a claim exists. Our practice represents consumers exclusively, never creditors or collection agencies. Reach us at +1-844-638-1122.
Getting collection calls that don’t match your insurance records? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, so if Frost-Arnett violated federal law, they pay our fees.
Frequently Asked Questions
Is Frost-Arnett a legitimate debt collector?
Yes, Frost-Arnett is a licensed agency operating since 1893 with BBB accreditation. Scammers do reportedly impersonate the company through phishing texts. Verify any contact through frost-arnett.com or your hospital before paying.
Does Frost-Arnett send text messages about debt?
Yes, but verified outreach comes from numbers listed on frost-arnett.com. Consumers report scam texts from unrelated numbers with suspicious links. Confirm any text with your hospital before responding.
Why does Frost-Arnett’s bill not match my insurance?
Out-of-network providers often bill separately from the main hospital charge. Frost-Arnett may be collecting on one of those separate balances. Compare an itemized bill against your insurance EOB to identify the gap.
Has Frost-Arnett been sued before?
Yes, in Golubchik v. Frost-Arnett and Bartz v. Frost-Arnett, both filed in 2018. The company also settled a privacy class action over envelope window disclosures. Court filings allege FDCPA violations in each case.
Will Frost-Arnett report my debt to credit bureaus?
Not always, since recent policy changes limit medical debt reporting. An absent entry does not mean the balance is resolved. Request written validation to confirm the account status.
What if my hospital says they don’t use Frost-Arnett?
Request written validation showing the original creditor and any debt sale chain. Hospitals sometimes assign accounts later or sell them to another agency first. A confirmed gap may also indicate an impersonation attempt.
What Should You Do Next About Frost-Arnett Calls?
If Frost-Arnett’s billed amount does not match your insurance records, gather your itemized bill and EOB before calling them back. A documented discrepancy, paired with a collection letter that mirrors prior litigation, may support a federal claim. Call +1-844-638-1122 for a free, no-obligation review of your file.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
