|
6053416
|
2022-10-05
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2022-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-12
|
| Complaint What Happened |
A company called XXXX is calling and texting family members because we share the same last name and that is harassment and embarrassing. They are threatening to contact my employer as well. A guy named XXXX called from XXXX.
After the call I received this text.
This message is solely for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents received. While calling back reference ID # XXXX. This is an attempt to collect a debt, any information obtained is used for that purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4985945
|
2021-12-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-07
|
| Complaint What Happened |
XXXX. Received phone call from Atlantic Recovery Solutions. They stated that I owe debt to XXXX XXXX with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX XXXX card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to XXXX XXXX why was I never contacted about this debt since its from XXXX and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4144241
|
2021-02-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Payday loan debt
|
| Date Received |
2021-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-16
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I have got many calls from Atlantic Recovery Solutions ( ARS ) staff IRA XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX.
When I called XXXX to report ARS, I found out that ARS is faking to be XXXX member using a fake certification # on their website. XXXX XXXX XXXX has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that ARS is not a member. Please see attached email communication.
When I called ARS to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, IRA XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX and Attorney General. Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1826221
|
2016-03-10
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
I do not know
|
| Date Received |
2016-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-31
|
| Complaint What Happened |
received a call from XXXX -- it only came up on caller id as XXXX Fl, and I was getting ready to leave the house I almost did not answer. However, the message started out saying this message was for ... ... ( my name ) and they currently had an urgent matter with my name and social security number attached to it so at this point it sounded important so I picked up the phone ... ... ... ..the VERY nasty woman told me she was from ARS - and I was like yes, so who are you? She again said ARS - I told her I had no idea what she was talking about and had never heard of ARS - then she proceeded to inform me that she was from a collection agency. At this point I intercepted to advise her that I have been on XXXX since XXXX of XXXX and that the last time I personally was even able to make any payment on any credit card was in XXXX and it really did not matter what card what she was calling me about as the statute of limitations in the state of Florida was 4 yrs and even if they had a signed application then it was 5 yrs so either way, time barred. She continued to argue with me that how would I know anything about statutes. I informed her that prior to my becoming XXXX I was a collector and not with sub prime third party bottom feeder but with XXXX XXXX XXXX and I knew the laws inside and out. She then yelled at me enuf so that I had to move my phone away from my ear " so you think because you are XXXX you do n't have to pay a bill? '' I replied back to her ... ... ... .that would be correct because 1 ) the statute of limitations for collecting was over ... ... ... 2 ) up until I answered the phone, I never even received any communication from ARS and had not a clue who they were and 3 ) she could not touch my social security XXXX income, I own nothing else except for the clothes on my back - only thing my name is on at all is our Florida homestead and given our ages, I feel confident XXXX will actually still " own '' it by the time we die ... ... ... so yes ... ... ..I did not have to pay the bill - thru out all of this, the rep from ARS still DID not tell me who she was even collecting for - this is a violation of the FDCPA as was her threatening tone of voice ... ... ..if I had used that tone and was being monitored, I would have been terminated immediately from XXXX. This was not the first time the number called, but previously no messages had been left ... ... ... .also her message was certainly misleading and indicated that this was some type of possible social security matter, government matter, etc as she referred to a file on her desk with my name and social security attached to it, it sounded as though she was from law enforcement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1168643
|
2014-12-23
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2014-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-16
|
| Consumer Consent Provided |
N/A
|
|
|
743102
|
2014-03-04
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
No
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me after I asked not to
|
| Sub Product |
I do not know
|
| Date Received |
2014-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-14
|
| Consumer Consent Provided |
N/A
|
|
|
1159108
|
2014-12-16
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
I do not know
|
| Date Received |
2014-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-16
|
| Consumer Consent Provided |
N/A
|
|
|
1716581
|
2015-12-24
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted employer after asked not to
|
| Sub Product |
I do not know
|
| Date Received |
2015-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-15
|
| Complaint What Happened |
A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job
|
| Consumer Consent Provided |
Consent provided
|
|
|
10338628
|
2024-10-03
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This company has contacted a random person on my behalf trying to get my information.
on XX/XX/year>. They have harrassed and called numerous times to someone trying to locate me. This person has now reached out to me regarding the harrasment. They person 's name calling is XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7020285
|
2023-05-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-05-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-26
|
| Complaint What Happened |
In XXXX, I opened a credit card through a bank in order to transfer a balance from an existing credit card account because with this bank she got 0 % for 12 months. I paid off the balance before the 12 months was up and never used the card again.
A few months ago, in XX/XX/XXXX, I started getting contacted from a company who claimed to be a collection agency, referencing unpaid delinquent account that was transferred to them. I researched the collections company, and they seem legit, but they havent sent her an email or anything in the mail, just tried to call her. They even called me.
We tried calling the bank, they said they transferred the account to another company. We called that company, and they gave us more information on the charges. We found out there were charges from websites like XXXX ( a XXXX website ) and XXXX ( XXXX clothing website ), both websites we would never, ever use.
Apparently this company then transferred this account to another company, and now it may be in collections. My credit was just hit with a delinquency and my score dropped a ton.
We have called and called around to these companies and they even said they were opening a fraud investigation, but when we call back, no one has record of anything.
I never received any notice by mail, statements showing these chargers from the original bank I had the credit card with, nor was I contacted by any of these companies who owned the account. This is credit card fraud and I can't seem to get anywhere on the phone with anyone.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3421436
|
2019-10-29
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2019-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-04
|
| Consumer Consent Provided |
Other
|
|
|
8479528
|
2024-03-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Atlantic Recovery Services has been calling and harassing me about an XXXX debt for XXXX dollars from 2017. Which I am pretty certain I already paid years ago. I have been getting constant calls and now they have been calling my family members! I asked them to stop and they ignored my request. I dont know if this is even a legitimate company. As I said this is from 2017. I havent heard from anyone about this until now. 7 years later Im getting calls?! 7 years is a long time to not hear about a supposed debt I owe which I think I already paid. Its been quite a long time. It says in the fine print : Collectors may not tell another person other than your attorney or spouse. You have already called my parents multiple times after I specifically asked you not to. And you called my Aunt today. I am reporting this to the FTC.
Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment.
I am getting calls 10 times a day. My parents and my aunt are now getting frequent calls! I told them to stop and they are violating the rules clearly stated.
Original Account Number : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX XXXX ID Number : XXXX Current Balance : {$680.00}
|
| Consumer Consent Provided |
Consent provided
|
|
|
3484406
|
2020-01-03
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-03
|
| Complaint What Happened |
On XX/XX/2020 the company contacted my boyfriends father my boyfriend and my mother all looking to speak to me over a debt. They asked my mother for my date of birth and address she gave it to them and then they gave her further information on my debt.
I called this company after I saw that I had a missed call before I knew that they called my entire circle. They threatened to sue me because I dont have the money to pay for it they told me that I should stop paying for my home in which I live in to pay them. I was told that I would be taken to county courts to solve this issue and may have a home foreclosed on because of {$1900.00}. I then called again after I found out that they called these people and they did not give me a straightforward answer as to how they received any of these numbers and why they would give out any of my information. I have never received one piece of mail from these people other than phone calls.
Atlantic recovery soloutions XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4589294
|
2021-07-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-07-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-30
|
| Complaint What Happened |
Ive been out of work due to being sick and Ive told the representative numerous times that. He proceeded to keep pushing the issues that payments need to be made and I have knowledge of that. He repeatedly kept cutting me off when we spoke and when I said I couldnt make any payments he the. Said his client would be in my county to take the items back. This was rude and honestly Im appalled at the level of professionalism.
The collection company name is Atlantic recovery XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5195966
|
2022-02-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2022-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-07
|
| Complaint What Happened |
I have been getting obsessive phone calls and texts via a company called ARS. I previously thought it was ARS XXXX, which is why I created my last report- but turns out it was for the incorrect " ARS. '' I called back this ARS who was contacting me and asked for them to give me more data about their company. This was on XX/XX/XXXX.
I was told that this " ARS '' is in New York ( which didn't match the address I had for ARS XXXX - hence the incorrect report for them ). This company has been calling and texting me from numbers associated with Oregon and New York. I finally discovered they are Atlantic Recovery Solutions " ARS. '' On XX/XX/XXXX I was emailed by XXXX XXXX a one page copy of what was a collection attempt. I emailed back a document asking for further verification of this debt. This is debt is not on any of my credit reports. I did not get an email saying the email bounced back, so for all intents and purposes, they received it.
I still got multiple texts and calls from them.
One call about a week later ( toward the end of XXXX ), I picked up the phone and told the woman on the phone that I sent a debt validation letter via email to XXXX XXXX and she quickly got off the phone with me once I stated their attempts at contacting me go against my rights with the CFPB.
I thought that was the end of it because I haven't heard anything since from them.
Until today.
My mother called me to let me know a company had called her looking for me on XX/XX/XXXX and XX/XX/XXXX from the numbers I had listed with Atlantic Recovery Solutions. She said they had been calling her repeatedly for the last couple of months. This contact has happened before and after I asked the company for a debt validation.
This is highly inappropriate and abusive.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2650312
|
2017-08-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-11
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
On XXXX XXXX, 2017, I received a phone call from ( XXXX ) XXXX on my cell phone. The man calling asked for someone whose name I did not recognize, so I told him he had the wrong number and hung up. This was the second call I 'd received like this, so I called back and asked him to please take me off their calling list. Instead of agreeing to take me off their list, he asked me how I knew the person they were calling about, if they were my husband or relative, etc. I told him to stop calling me, but he continued to ask me questions about the person they are trying to find. He then accused me of lying about not knowing the person they are trying to find. When I told him I would report him to the FTC, he became rude and abusive and continued to call me a liar.
I asked for his name and the name of the company he was calling from. He said his name is XXXX XXXX and he was calling from ARS, XXXX XXXX XXXX XXXX XXXX, NY XXXX. I asked him repeatedly for the full name of the company or what ARS stood for and he refused to answer, insisting that it was just ARS.
This person was extremely rude, aggressive, and refused to comply with my request to take me off their calling list. Instead of agreeing to stop calling me, he started asking me personal questions as if I 'm obliged to help him find whoever he was looking for. He even asked me why my office line was ringing while I was on the phone with him. This person is extremely aggressive, unprofessional, and showed no respect for my rights as a consumer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4373345
|
2021-05-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2021-05-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-12
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
Atlantic Recovery Solutions has contacted me about having to collect a debt with the amount of {$1100.00} XXXX I think thats how much ) from XXXX. They said that I stopped using the XXXX account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on XXXX nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the XXXX industry. Please contact me furthermore about the standing investigation of this incident.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1844031
|
2016-03-23
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-23
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
I co-signed a credit card for my daughter who defaulted and never attempted to make payments. The debt has been transferred from collector to collector for the last 6 years. The last communication from the last known collector that I am aware of was 7 months ago by XXXX XXXX XXXX. Today I get a message from my son that my ex husband received a phone call from ARS Collections by someone claiming to be a lawyer XXXX XXXX XXXX in NY that demanded my phone number. I have been divorced since 2009 and have no communication with my ex. I have not received any communication from this ARS company. Nothing in writing, but they contacted my ex. The last collector company had my address & phone number. This ARS company obviously uses questionable tactics. My phone is on the " do not call '' list.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4449190
|
2021-06-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
I do not know
|
| Date Received |
2021-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-10
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3016954
|
2018-09-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2018-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-12
|
| Complaint What Happened |
Atlantic Recovery Solutions called me on my cell phone at XXXX XXXX on XX/XX/18. They left me a vague message saying they were following up on a previous conversation we had. Literally 11 minutes later, they called me on my employer 's phone line from a different number and I answered. The employee, XXXX at first refused to say where she was calling from. She kept yelling at me " Did you get my email, did you get my email? '' and wouldn't let me speak. I then told her they do not have permission to call me at my place of employment. She then yelled at me " I can call you wherever and whenever I want ''.
Her comments feel like stalking behaviors and I am concerned that my request to not be called at my place of empoyment will not be honored. Also disturbing- the email that she said was from her was sent by someone named " XXXX XXXX, not her. I don't know if a " XXXX '' even exists. I am asking that Atlantic Recovery Solutions cease and desist all contact.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5182475
|
2022-02-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
I do not know
|
| Date Received |
2022-02-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-03
|
| Complaint What Happened |
This company Atlantic Recovery services called my cell phone out of no where twice in the past two days, stating I need to call them as they have my social and legal document yet, I never received anything in writing from them. Additionally, they had called someone I knew and began with threats with my credit. I do not owe any debt, never signed any agreement and want them to cease and desist all communication as I have no idea who they are. Additionally, not only did they threaten my credit with someone who wouldn't be involved in the situation but also they are calling to speak with XXXX XXXX, and a XXXX XXXX XXXX left a voicemail statement to call XXXX because they have sensitive documents with my name ( My name is XXXX XXXX ) and that they will be contacting my work to verify my assets and my property which is none of their business especially since I have no idea who they are. To be threatened in such a manner is infringing upon my rights and is actually breaking Fair Debt Practices Act and I will seek legal council.
They have broken the following laws : 804. Acquisition of location information ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity.
15 USC 1692e 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [
15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 USC 1692h
|
| Consumer Consent Provided |
Consent provided
|
|
|
2384328
|
2017-03-13
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2017-03-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-13
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
N/A
|
|
|
4739740
|
2021-09-21
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-21
|
| Complaint What Happened |
XXXX is attempting to collect a debt that they do not own.
I contacted XXXX XXXX and the financial company XXXX XXXX and they informed me that the debt was charged off and sold to XXXX XXXX XXXX.
XXXX has resorted to harassing me, my husband, my father-in-law, and my mother-in-law every single day. I have spoken with an agent there, XXXX, and she calls everyday despite me asking them to stop.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2693153
|
2017-10-05
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-05
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2792838
|
2018-01-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2018-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-24
|
| Complaint What Happened |
Received early am call from a " XXXX XXXX '' with Atlantic Recovery, proceeded go inform him that u did n't have time for this call at the time and hung up, immediately received another call and a lengthy voice mail, afterwards this guy call my brother trying to get in contact with me, informed my brother that he had information about other family members he would contact to get to me. No information as to who his " client '' was provided.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4877160
|
2021-11-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2021-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9001219
|
2024-05-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-05-14
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
12114311
|
2025-02-18
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2025-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
12553425
|
2025-03-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent withdrawn
|
|
