| 02/03/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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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
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| 10/24/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I originally spoke with Atlantic Recovery Solutions back in XXXX regarding my account with XXXX XXXX ( account number XXXX ). The agent name was XXXX and he advised if I did n't get payment set up on my account I was going to get sued. I advised I would set up payment and would call in XX/XX/XXXX to make my payment. When I spoke with an agent on XX/XX/XXXX he stated that my payment did n't go through and he needed to know what happened with it. I stated I was set up to call in each month to make my payment. He stated that it would be unacceptable to do that due to their client requires that I set up auto payments. I advised I was uncomfortable with auto payments and he stated he would n't accept my payment then and would mark me up as a refusal to pay. I advised I was n't refusing to pay and need to make payment due to I was being threatened with having a lawsuit filed against me. He transferred me to a manager who advised that I had to have my payment info set up on file per their client and would need auto payments. I asked if I could call my payment in every month and he stated no but they would be able to reach out to me to make sure it was ok to run my payment first. I was comfortable with this. On XX/XX/XXXX, while I was checking my phone I noticed that Atlantic Recovery Solutions had n't gave me a call so I was about to call them but decided to check my back account first and noticed they ran my payment for {$50.00} but did n't reach out to me as they stated they would first. I gave them a call to see why I did n't receive the call as the supervisor stated and the supervisor I spoke with told me that is not their policy and my payments would automatically run. I advised her that I would prefer my payment information to be deleted and I would call in my payments monthly. She then advised me that she would mark my account up as a refusal to pay and send it back to their client. I advised I 'm not refusing to pay and I will give them a call in XXXX to make my payment. She told me they will not have my account as I 'm refusing to pay in which I then asked to speak with her manager.
I called Atlantic Recovery Solutions and spoke with a rep named XXXX. I explained my situation to him that I was n't refusing to pay but did n't want the auto pay on file and I asked will they still have my account in XXXX when I call to make my payment. He stated he did n't know, then I was transferred to a manager named XXXX XXXX. XXXX XXXX advised me that since my account has been open since XXXX their group of attorney 's from Ocmac were waiting to file a lawsuit against me and once it was filed the bill will be over {$7000.00} and they could take my car, garnish my wages, and other assets and if I did n't have these assets available then I will be in big trouble cause I 'm breaking a court order. I asked what court did they file the lawsuit in but he did n't answer. He then proceeded to tell me that I needed to grow up and act like an adult that is over 18 years of age and they were not going call me and that payment {$50.00} a month on a {$2000.00} balance was ridiculous. I tried to tell him to please not talk down to me but he continued to talk over me. He told me that if I did n't have the auto pay that collections will continue on my account and they will call me everyday until I have the auto pay set up. I stated to him hold up my payment is not due until next month so do not call me until then. He stated they could call everyday if they wanted to since I was refusing to have the payments automatically so I stated to not call me and I would call them. He stated he would notify the client of my refusal to pay and wished me luck. I said I 'm not refusing to pay and I guess I should contact the Indiana Attorney General. He then hung up on me.
I ended up calling back and telling them to take the payment for {$50.00} on the XXXX of each month that way it will give me time to call if I needed to pay with a different account if the money is not there.
What I 'm scared of is if I do not have these auto payments set up this company will tell their creditor that it 's ok to sue me. All of my calls with Atlantic Recovery Solutions have been very abusive and they are extremely rude. I do n't think it 's right that they are allowed to threaten me like this and I 'm afraid that if I do n't do the auto payments they will try to take my car or come after my bank account.
They state the bill I owe is for a student loan but it 's not, it 's actually money that is owed to the school due to apparently when I was there I was supposed to be on a payment plan to cover the costs of my tuition since my financial aid did n't cover the full cost of the school. It 's a bill that was an over site on my end which I agree I owe but I should n't be threatened to make a certain type of payment plan. Hopefully you can help me with this. Thank you so much.
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| 02/01/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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This complaint is about Atlantic Recovery Solutions , LLC ( https : //www.atlanticrecoverysolutions.com ). They are harassing me, my husband, and other family members over a supposed " debt '' we do not owe/does not exist.
They call me at all hours, on weekends, and have begun texting me despite me making it clear we do not owe this debt and asking them to stop. We requested proof of the debt and they sent a contract for a company that no longer exists with no indication that we owe the amount they are claiming.
To make a long story short, we installed an XXXX alarm system in a rented home in XXXX using a company called XXXX. We paid for all installed equipment in full at the time of installation. When we moved out of the home, we cancelled the contract and were under no further obligation to XXXX as per our contract.
We have received zero communication from anyone regarding this account for many years. Suddenly a few weeks ago, Atlantic Recovery Solutions ( ARS ) began calling me incessantly claiming I owed {$1300.00} or so for " the XXXX alarm system ''. I was baffled and completely confused, as we do not owe any money for this years-old system.
The man who I first spoke with at ARS, XXXX XXXX, was extremely rude and threatening with his choice of language when speaking with me. He called me " ridiculous '' and threatened legal action within two weeks if I didn't pay the ~ {$1300.00} on the spot. I said I was confused, did not believe we owed any money and asked for proof of the debt. He immediately and very rudely stated because I asked for proof that he would " tell his client I was being uncooperative '' and hung up on me. I was in no way being uncooperative ; ARS calling me and demanding thousands of dollars without proof is insane ; me asking for proof of a contract or any debt is completely reasonable and cooperative. We have no intention of not paying a legitimate debt that we owe if we indeed owe it.
Since that first point of contact, ARS has not provided any proof of the debt. They have called and texted on a near-daily basis both me, my husband, and members of my extended family whose numbers were provided as part of our emergency contact list when we installed the XXXX system XXXX Thisis predatory, abusive, and illegal behavior.
My husband called ARS on XX/XX/XXXX to demand they cease calling me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their repeated and incessant cloaked/spoofed calls from different numbers were causing me a high amount of stress. My husband demanded they send proof of the debt and to stop calling me due to my condition. ARS sent him an email containing 1 ) a demand for payment letter from them, which they referred to as a " contract '' ( it isn't ), 2 ) our installation agreement with XXXX for our XXXX system, which shows no debt owed, and that we actually paid for the equipment in full at the time of the installation. What they sent from XXXX is more like a receipt and is attached. You can clearly see there is nothing about owing the amount ARS is claiming, nor any contract length that would accrue such a number over time. It makes no sense.
Further, 1 ) XXXX is a company that no longer exists. We attempted to contact them to resolve this and discuss it yesterday ( XX/XX/XXXX ) and they are out of business. We do not and have never had any agreement with ARS. 2 ) ARS has continued to call me on a daily basis from spoofed numbers including after-hours and on the weekend, despite repeated demands that they stop doing this. They threaten legal action and other similar things.
If you would like a list of calls, numbers, and times of calls/texts from them, I am happy to provide it via our phone provider.
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| 03/10/2016 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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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.
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| 05/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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ARS has been harassing me for months. Prior to the harassing phone calls they never mailed me any information regarding any alleged debt that they are trying to collect. I am confident that by them not sending me an initial letter communication for me to dispute any alleged debt that the debt they are trying to collect is not valid. In my letter to XXXX, I requested ARS to send me any documentation ( validation ) that they have that I owe a debt, documentation that the alleged debt is to ARS, & a copy of a contract I have with ARS signed by me that I have an alleged debt for any unpaid services that they provided for me. As of todays date ARS never complied with my request. I first received a phone call from ARS on XX/XX/XXXX at XXXX XXXX and another phone call from ARS on XX/XX/XXXX at XXXX XXXX. ARS masked their phone number by using the number XXXX. On or about XX/XX/XXXX I sent ARS a letter advising them & demanding them to cease and desist from any attempt of future contact with me. Unfortunately, I continued to get phone calls from ARS ON XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, & XX/XX/XXXX at XXXX XXXX. again masking their # by using XXXX. The Fair Debt Collection Practices Act, or FDCPA, was passed in XXXX to protect consumers from being harassed by debt collectors. ARS is knowingly and willingly violating my rights granted to me by the FDCPA. ARS has called me at inconvenient times, such as before XXXX XXXX and after XXXX XXXX in my time zone, ignoring me when i asked them to cease & desist after they didn't provide me with my requested information ( mentioned in the 1st paragraph ). Furthermore, ARS is knowingly & willingly violating my rights granted to me by the " Truthin Caller ID act ''. FCC rules prohibit anyone from transmitting misleading or inaccurate caller ID information with the intent to defraud or obtain anything of value. ARS has and continues to display false representation & communication tactics. Based on ARS website they are located is located at XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The reason they mask their phone number and show a XXXX area code is because XXXX is the XXXX area code and my cell number is XXXX to try and deceive me in answering the phone. ARS is not located in XXXX! A DEBT COLLECTOR CANT USE ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COMMUNICATE WITH SOMEONE IN ATTEMPT TO COLLECT AN ALLEGED DEBT AND OBTAIN ANY INFORMATION FROM AN IDIVIDUAL OR ABOUT AN INDIVIDUAL
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| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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|
Web |
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XXXX XXXX, Settlement Director with Atlantic Recovery Solutions, LLC contacted my father via his cell phone and told him that ARS was trying to collect on a debt that I have. XXXX XXXX proceeded to email my father a document to his personal email stating that they are trying to collect a debt on behalf of XXXX. Per the FDCPA, it is illegal for a debt collector to share any information regarding a debt with a XXXX party other than the conusmer, their spouse or an attorney. My father called me and forwarded me the document that XXXX XXXX had emailed him. I immediately checked my credit report and there is no reporting of this debt with any of the XXXX credit bureau agencies. I attempted to contact XXXX XXXX to obtain more information at XXXX x XXXX and spoke with XXXX XXXX, XXXX of the account representatives, she then transferred me to XXXX XXXX at XXXX who states that she is their compliance officer. I gave XXXX XXXX my name and she asked for me to confirm my father 's phone number and his social security number. I told her that I would not give her that information. She confirmed the last XXXX digits of my SS # and proceeded to tell me that XXXX has been trying to collect a debt for unpaid overdraft fees on an account that has been inactive for XXXX years. She indicated that XXXX, the original creditor, another collection agency by the name of XXXX XXXX XXXX and finally Atlantic Recovery Solutions have been trying to contact me for XXXX years to recover this debt. I asked how they had tried to contact me and she told me they had tried to call and had sent numerous letters. I asked for the numbers that they tried to reach me-they had a list of XXXX phone numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and family members. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record. I told her that her organization was in violation of the FDCPA by sharing my information not only over the phone with a third party but also electronically. I also requested that a letter of validation regarding the debt be sent to me.
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| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX of XXXX I was contacted by Atlantic Recovery Solutions to settle a XXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected Atlantic Recovery solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to Atlantic Recovery Solutions ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase.
XXXX
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| 05/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This morning I received a message at my place of employment ( XXXX ) XXXX from XXXX XXXX supervisor from Atlantic Recovery Solutions letting me know that I havent made a payment since XX/XX/2019. And he wanted me to call him back to make a payment arrangement before XX/XX/2019 or else he was giving back the account to his client so that they file suit against me. Scared to death, which for the record this is the THIRD notification to this company advising them that I am NOT allowed to receive personal phone calls at work. I called XXXX back and let him know please dont call my job that he needs to call my personal cell number and I asked for my account number so that I can make a payment online he said no he wasnt giving it to me that I needed to pay off the balance of {$500.00} I told him no that I dont have that and that I will make a payment online he kept telling no about account number when I asked for it and that he was making a note that I refused to make a payment, and threatened me that the next step was wage garnishment. I let him know that I am not refusing I am asking for my account number and he wont give it to me. I also let him know he cant do that as along as I make a payment. He told me I dont know this work " honey '' and I told yes I do he hung up on me. I called him back asking for my account number he wouldnt give to me that I have to make a payment over the phone I let him know I dont give my credit card information over the phone but that I will do it online he said no because back in XX/XX/2019 I suppose to make a payment online and I didnt I let him know that I honestly got side track do to me being at work but that I have everything ready to go on my computer screen I just need my account number he once again said no that I have to pay the full amount of XXXX right now over the phone. I told I dont have that but I will make a payment online and he said no and hung up. I have never felt more threatened, disrespected, and intimidated in my entire life.
|
| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Hello, On XX/XX/XXXX, I received 2 phone calls and 2 texts. The 2 texts stated that " documentation has been received including my name and SSN ''. The same day XXXX received a voicemail at XXXX XXXX from a guy by the name of XXXX ( pronounced Read-in ), phone number XXXX, stating that he was an Identity Monitoring Specialist from some so-called " Benefits Service Center '' and he had information that needed verification and to return his call. I did not return this call due to it sounding like a scam.
On XX/XX/XXXX, XXXX XXXX from " ARS '' at XXXX XXXX called from XXXX. She claims to have my credit report in front of her stating that I owe money to an account already paid. I have looked at my XXXX, XXXX, and XXXX to prove that the account mentioned was not on the reports. When I asked for a letter VIA mail ( rather it be USPS, XXXX, or XXXX ) she responded that letters have been sent and I had 30 days to pay and it would be a waste of time to send a letter. She told me to provide proof that it was paid off. To my understanding, I believed that the debt collector was obligated to provide and/ or have all required information regarding the said account. She failed to respect my request so in return I respectfully told XXXX that I paid the account and I am not paying something twice. Not to mention she was very rude towards the end of the call telling me " is it really that hard to get proof from 13 months ago ''? She told me goodbye and hung the phone up before I could complete my portion of the conversation.
Another company told me the account was closed back in XXXX meanwhile this company is stating its been closed for 13 months.
I will not be another victim of a scam and will ignore all other communications with this company.
The company they state I owe will not allow new lines of credit if one owes a debt. I've made future purchases with this particular company and would only be possible if past debts have been settle/ paid.
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| 02/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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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.
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| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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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.
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| 10/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done.
Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls.
XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment.
XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in?
XXXX XXXX We aren't harassing you. Calling is part of our job.
I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else.
I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.
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| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2019 a voicemail had been left on my phone by a Mr. XXXX telling me he was with ARS I was sent documentation 3 weeks ago, and either I, or my attorney, needed to call him immediately. I had never received any information from ARS or anyone like them. Within a few minutes, I received a message from my dad that he was contacted by the same person. Then my brother. Then my wife. Then my grandpa. Mr. XXXX called and left voicemails for me and 4 family members within, literally, 5 minutes. This is without any notice provided or even giving me a chance to respond to them.
After trying to reach out and figure out what this was about, I finally heard back from Mr. XXXX on XX/XX/2019. He gave a very brief, quick rundown of the debt he was trying to collect and said that if this was not taken care of immediately, litigation would proceed. I let him know that I had still not seen any documentation about the claim. Mr. XXXX said the debt was around {$500.00}, but I could pay 65 % of that today, or break it into 3 payments of {$160.00}. I told Mr. XXXX that I would not decide until I see documentation about this debt. Mr. XXXX hung up on me. A few hours later, Mr. XXXX called back and said it was emailed. I never received an email. Mr. XXXX said, What do you want to do? I informed Mr. XXXX that I would not discuss this debt until I see documentation and verification about it. Again, Mr. XXXX hung up on me.
For a company/person that was so enthusiastic to call anybody that shared my last name, Mr. XXXX and ARS ( Atlantic Recovery Solutions ) did not have everything in order, and completed what was equivalent to a smear campaign against me with my family.
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| 02/21/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Atlantic Recovery Services have been attempting to contact me since XX/XX/XXXX. On XX/XX/2022 at XXXX XXXX my local time ( an FDCPA violation in of itself ). After calling them back at a reasonable hour I told them to cease telephone communication and to use recorded, written correspondence if they had any need to contact me further and requested a debt validation letter at that time. Since then I have received multiple calls from them, using different phone numbers with area codes from my local area to try and trick me into answering the phone. I have since called and left messages, as well as used their online website to request they cease and desist telephone communication. Today I finally was able to speak to someone, and told them again to stop calling me. I was treated rudely, yelled at, hung up on, and transferred into XXXX several times before finally speaking to a supervisor who claimed the company had only received my request for cease and desist today, and that I had not requested a validation letter, and the address I had on file that they verified to send me the letter to was an address that I have never lived at ( despite them having recorded conversations with me telling them to mail me the letter and giving them the proper address ). At this point I do not believe the debt is actually mine, and that this company is either incompetent or maliciously attempting to illegally collect debt. It is only a matter of time before citizens who do not know their rights as well as I do are preyed upon and have debts that are not theirs illegally collected.
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| 04/16/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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On XX/XX/XXXX I got a voice message from something called ARS ( only a acronym, nothing else ) by a man named XXXX asking for me to call because of a " Time sensitive matter '' with no other information on what it was about or who they were, same with my parents and my sister. Being I get scam calls sometimes I didn't call because I naturally assumed it was a scam. In the month of XXXX I got 2 text messages in a week to " Confirm my location '' from ARS ( again just the acronym ) Finally on Wednesday XX/XX/XXXX I got two messages while at work from A XXXX XXXX from two different numbers within 10 minutes of each other from what I now know to be Atlantic Recovery Solutions involving supposed debt from XXXX, A institution I haven't been involved with in at least 8 years, asking to verify personal information about myself making it seem like they tried to reach me multiple times instead of that one time in XXXX. My mother and step father as far as I know were also called in that time too. I was advised not to respond.
I have never received anything in the mail or in writing about anything involving any supposed debt. Just a call with at the time vague acronym ( ARS ). I have even checked all 3 credit reports and have found nothing on them indicated in the last 7 years that most credit reports go back. If their is any supposed debt why attempt to collect after it's more than likely legally passed the Statue of Limitations to take any legal action in most states, Including the current SoT of 3 years in my state or the original one of 6 years.
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| 11/28/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I keep getting on a daily bases sometimes a few times a day calls from a number XXXX saying I need to call XXXX. I work in XXXX XXXX XXXX so it is very hard for me to call back during the same business hours i work. I had time to call back to to figure out why am i getting so many calls daily. i called XXXX a man picked up asked me if I was XXXX XXXX and verify SSN. I told the man I would not be giving any info can he give me the name of the company so i may know if the collect was a fraud or not. He said I need to verify information. I tired to explain to the man my rights as a consumer he started to over talk me yelling and than just he hung up the phone. I called back a female answered this time I stated my name and i had already been treated rudely by the previous rep and than that lady became quickly loud and rude. I explain i still am not sure what you business is calling me for no is telling what this debit is for. She began to over talk me while i was trying to speak. I keep asking the ma'am to please allow me to finish my statement she also got loud to over talk me and hung up. called third time is the charm to figure why are they calling so much and this time i asked for a supervisor to explain to her the treatment by call reps. I spoke with a XXXX now i am recording the call my self i let XXXX know the call was recorded for my own protection based on the previous treatment. As i started to explain to her how the reps hung up start yelling saying so you not going to pay your debit, yet i do n't even what they want to pay.
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| 11/04/2020 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Atlantic Recovery Solutions has been contacting me under their alias " ARS '' since at least XX/XX/2020 via calls and texts. They never properly identified themselves or the reason for their call so I did not first make contact with them until XX/XX/2020 at XXXX ( via telephone ). The representative was accusatory and unprofessional. However, I proceeded to request debt validation be sent via mail only and requested not to be contacted by phone again. The agent became upset and stated they " would not stop calling '' and disconnected the line without notice. On XX/XX/2020 I received a text from my mother stating that a company named ARS has been contacting her regarding me. On XXXX my sister reached out to me stating ARS has been contacting her as well. On XX/XX/2020 at XXXX I spoke with a representative at ARS again and requested the full company name, address and debt validation in writing. I was transferred multiple times and when I complained to the " Senior XXXX XXXX '' I was told I signed up for my family members to be contacted. I did not give this company permission to contact my family member 's. They knew how to reach me and were unwilling to put the request in writing as requested. ARS has called and texted me from multiple numbers referencing a " legally required notice, paperwork and a case ''. However, they never identified themselves as a debt collector or gave notice this was an attempt to collect a so-called debt. I have phone records and copies of the text and call log to support this complaint.
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| 05/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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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.
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| 08/24/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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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.
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| 12/30/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Atlantic Recovery Solutions contacted me by phone on XX/XX/XXXX regarding a debt that they say I owe to XXXX XXXX XXXX in an amount totaling {$3900.00}. I asked representative XXXX XXXX to send me information by mail regarding the amount in question. He stated that they are not able to send me anything by mail, but " assured '' me it was a valid debt. He sent me a generic email with only the amount of the debt, their account number for me, and their phone number, with no disclosure that I have 30 days to dispute the debt. He also gave me the phone number to XXXX XXXX to call if I want to verify the debt, which only led me to an answering machine.
I sent Atlantic Recovery a debt validation request letter on XX/XX/XXXX, which I have documentation that they received on XX/XX/XXXX at XXXX. I have received no response and they have continued to call me every day. I called today XX/XX/XXXX, to state that they need to stop calling me, and spoke to XXXX XXXX again. He claimed that they mailed the information I requested on XX/XX/XXXX, which I have not received. He also claimed he has record of speaking to me on XX/XX/XXXX, which is untrue. I told him that they violated the law by not sending the requested documents after the first call on XX/XX/XXXX, that they still have not sent me anything, and that by law I have 30 days to dispute the charges once I receive the documents. He told me that is not true and that they will be continuing to call me. At that point I ended the call.
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| 04/14/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Two acquaintances received phone calls, one of the calls received went to voicemail and the transcribed voice message was forwarded to me. I have attached a screenshot of the transcribed voicemail. I also received a voicemail from ARS ( Atlantic Recovery Solutions ) from a XXXX regarding a debt I do not owe. I have attached a screenshot of that transcribed voicemail as well.
I have not received any documentation from this company whatsoever. I checked my credit reports from all three credit bureaus and this company is not listed on any of them. They have sent nothing by mail I can respond to in order to verify this is a legitimate debt. Because the message was sent to an acquaintances phone and not my own I further cant verify who they are. The only way I was able to find the company behind this call was because the person sent a screenshot of the phone number it was received from and it matched the message Id received.
This is not legitimate.
The outcome I desire is no further contact from this company in any form whatsoever. They will not harass acquaintances or attempt to contact me through other parties or any of their affiliates. Whatever records they believe they have regarding me will be removed from their systems and will not be passed on to further parties in another attempt to receive monies from me.
Please investigate this business on my behalf. I believe they are attempting to press an illegitimate claim to receive money for a debt I do not owe.
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| 10/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Atlantic Recovery Services ( ARS ) is a debt collection service that is attempting to collect debt for an ex-husband ( XXXX XXXX ) whom i divorced 10 years ago. After repeated calls to me over the past six months and repeated discussions advising I have no legal connection to my former husband, I continue to receive harassing phone calls. I've been advised by several of the companies representatives, including management that i would be removed from a calling list. However, i continue to receive calls. I have even tried blocking the company 's number. They are circumventing the block. These calls are adding to my anxiety in these stressful and tumultuous times. I filing a complaint as a hopefully final recourse to stop the harassing phone calls for debt that I do not owe.
XX/XX/XXXX Call from ARS. Called back and spoke to representative.
XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXXCall from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS XX/XX/XXXX Call from ARS XX/XX/XXXX Call from ARS. Called back and spoke to several representatives XX/XX/XXXX Call from ARS. Voice-mail left on my phone
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| 12/15/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/2021, I received a robocall from XXXX ( voicemail saved ) stating that the company calling has " important document with your name and social security number attached ''. The call back number XXXX, when searched on the internet, gave no credible business information. Additional calls from the number happened throughout XXXX, XXXX, and XXXX. On XX/XX/2021, the caller identified themselves as ARS. A letter was sent to ARS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ARS responded that it was not them calling. Additional calls from XXXX were received ( voicemails saved ). All were robocalls. In total, I received 11 robocalls. Finally, it was determined that ARS was Atlantic Recovery Solutions ( XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ). A certified letter was sent to Atlantic Recovery Solutions ( XXXX signed return receipt ). No response was received from Atlantic Recovery Solutions.
On XX/XX/2021, Atlantic Recovery Solutions, called ( voicemail saved ) via robocall stating " This message is intended for XXXX. I am calling with the offices of ARS regarding a legal required notice that needs your immediate attention. Please call XXXX or press one to speak to a live representative.
The company is not identifying themselves as a collection agency ; the company is using robocalling technology ; the company has repeatedly failed to correctly identify themselves and failed to respond to legally required requests.
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| 12/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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This company Illegally contacted myself, my family and my employer about I debt I have no recollection of, they left threatening voicemails on my phone after I told them not to do so, I asked them to cease and desist all communication with myself, my family and my employer and they did not comply. Under the Fair Debt Collection Practices Act, 805 ( b ) states : 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 post judgment 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. This company XXXX continued to contact me and violate my rights, according to 805 ( c ) of the Fair Debt Collection Practices Act states : " Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
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| 10/22/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX XXXX balance in full XXXX Settlement Amount I called in this afternoon to discuss a debt that I was paying each month because I recently had the debt card we were using to make auto pays compromised. I spoke with three reps XXXX XXXX, XXXX XXXX, XXXX XXXX. I wanted to just move the XXXX pmt to XX/XX/XXXX since I was unable to pay the full amount. XXXX XXXX told me I couldnt change the payment plan because they need a payment for XXXX. I ended that call and received a call back from the other rep XXXX XXXX who said she was returning a call that dropped and after I told her what I needed to do with the acct she told me that I can not dictate my own debt and they will see me in court and hung up. I called back and spoke with a compliance supervisor by the name of XXXX XXXX. XXXX did take the time to listen to my situation and helped me get to a resolution that both of us found reasonable. She said the rep would be reprimanded for threatening me with legal actions. I Felt threatened when I was told I would be sued over trying to make payments on an account Ive been paying since it got moved to their company. XXXX did help me feel more at ease but I still dont like the practices that company is training to their employees, because who knows how many people they tell that on a daily bases and actually get to pay with the deceiving collection tactics.
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| 08/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I got a phone call from my brother stating Atlantic Recovery Solution was trying to contact me. I called the number he was provided ( XXXX ) XXXX, When calling the agency I was transfer a gentlemen named XXXX XXXX came on the phone asking if I was XXXX XXXX. Advised yes he asked to verify the last four of my social, I asked who the company was and the client they where representing. The associate XXXX XXXX advised I would need to verify first, I advised I did not feel comfortable giving out personal information over the phone. He advised it didn't matter cause he has all my personal information and read my complete social security number over the phone and asked now can you please verify. I advised that was a violation of my secured information to be reading my full social security out over a non secured phone line without even knowing who I am. XXXX advised he could give out any of my information he chose. I asked to speak with a supervisor. Was transferred to XXXX XXXX, XXXX advised he would look into the matter further. This phone call happened on XX/XX/2018 at XXXX XXXX time.
This was a huge violation of my personal information and I feel I am now at risk having a company with my information willing to give out any of personal data to whoever they please I also have the recorded phone call of this incident
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| 11/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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A debt of {$820.00} has been listed with the collection agency XXXX for the company XXXX. I have requested a notification of debt twice with no response from them. They never notified me of placing me into collections by phone call, email, or letter. I found out I was placed in collections after I made a phone call to them to verify my line of credit for a purchase. Now, on XX/XX/ I received an email notifying me that this debt of {$820.00} was sold to another collection agency : Atlantic Recovery Solutions as a sneaky way to avoid my requests.
Collectors can not report a debt to a credit bureau before they contact me. Rather than XXXX verifying the information of this debt they sold this to another company as a passive collection tactic! Regulation F prohibits this, collectors have to contact me before they place an account on my credit report. I made payments up to the time when I placed a call to this company. I demand a letter that verifies the date this account was opened, the payments made, the day I was placed in collections, and why. Otherwise, please remove the account from my credit report as a violation of Regulation F. The information collectors must supply to debtors can only come from the original creditor.
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| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received a text message on XXXX from XXXX a an attempt to collect a debt. But this company has no right to collect a debt that does not belong to them pursuant to XXXX5 U.S. Code 1692c ( b ) I called the number and told them to stop contacting me but they text me again XX/XX/XXXX from ( XXXX ) XXXX This message is solely intended for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents. While calling back reference File # XXXX. This is an attempt to collect a debt, any information obtained is only for that purpose. I told them my job doesnt allow me to be on my phone at work and they insisted I pay my bill. I asked if they were familiar with 15 U.S. Code 1692c and she said no. I said well its the law stating you can not call or collect a debt from me.
I received another call today XX/XX/XXXX from XXXX which connected me with Atlantic Recovery solutions. It connected me to a voicemail. I called back and recorded the call the lady said that she did not call me as I am on the do not call list but I told her I had just received a call from her office but she denied and hung up on me and would not answer my questions of their office number and address.
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| 05/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I received a phone call from Atlantic Recovery Solutions stating that they were calling to collect on a debt that is owed to XXXX XXXX. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why XXXX XXXX has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now Atlantic Recovery Solutions. Why do companies keep calling me about this debt when it has been paid? I explained to representative with Atlantic Recovery Services that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.
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| 01/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Hello, Someone named XXXX XXXX & XXXX XXXX, from a company called Atlantic Recovery Solutions has been calling me, my husband, my sons, and they even called my XXXX mother 's house and asked for her trying to collect a debt that I know nothing about. I have not received any documentation from them. I don't know who they represent. XXXX XXXX has even impersonated being an attorney. They have left several messages on my phone, my family 's and friend 's phones. They have told my family and friends that I owe them money and that their calls were an attempt to collect a debt. They've even repeated the last four digits of my SS # number to my husband and son. They've had a machine ( Robo ) call us too. The number that shows on my caller ID is XXXX but their actual number is XXXX. They are harassing us and I don't even know who they are. I have several dates and messages saved on my phone. I want them to stop calling us. My mother XXXX away a few years ago. We are still mourning her XXXX. To call her house and to ask for her, in an attempt to collect a debt that is not hers, is deplorable and they should not be giving anyone my SS #. These people are out of control.
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| 12/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 I got a call and a voicemail from Atlantic Recovery Solutions, specifically a woman who identified herself as XXXX XXXX. Before I was able to call her back, she had called my wife, my mother-in-law, my sister-in-law, and my father. My wife called me and told me that XXXX XXXX had asked her to verify my information to give information about the reason for her call. I called XXXX XXXX back at the number provided to my wife. XXXX XXXX told me that she is managing an account originating with XXXX XXXX. I told XXXX XXXX about details and she became irate. I asked XXXX XXXX why shes asking my wife for information and giving my wife information. XXXX XXXX told me that there was an account in collections that was paid for a year and then it stopped. I asked her for details and what account funds were paid from. She said that she would report the recording to her client and they can decide how they want to proceed and hung up on me. I called XXXX XXXX because she identified them as a creditor. They said that they are unable to find an account and this seems like a scam. XXXX rep XXXX told me to report the interaction.
|
| 09/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/19 at XXXX I received an automated call from XXXX stating " we have been attempting to reach you in regards to a legally required notice placed in our office for you. Please contact us back at XXXX. '' When I called back the person did not identify herself but the company name is Atlantic Recovery Services and stated that they were attempting to collect on a debt from XXXX on behalf of XXXX. I asked her to send me information regarding the debt she stated " it has gone past the notification process. '' I informed her that legally they need to send the information so that I can verify the debt but she continued to do so. At that point, I told her that if they were not going to follow the law that they should stop calling me. I don't know who XXXX is or why they would have another company calling to collect a debt that didn't originate with them. In XX/XX/XXXX I received a similar call from XXXX XXXX at XXXX saying that they were also calling on behalf of XXXX for a debt with XXXX. That time they also refused to send information on the debt and threatened to send a Sheriff 's officer to my home the following day.
|
| 12/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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This company has been harassing me for months by placing numerous robocalls to my phone number, consisting of approximately 10 calls in a row in the morning at XXXX, leaving 10 voicemails asking me to call back, then places an additional set of calls in the afternoon, and an additional set of calls at night. When I have spoke with them, they use misleading info to intimidate and scare me into providing credit card information over the phone, without any documentation of terms or evidence that I owe on a debt. They call my relatives and friends and give them my personal information, alleged debt status and amounts, and intimidate them as well. I have asked the individual to stop calling and send everything to me in mail, but have never received a debt verification from this company, and the numerous calls still persist. I rely on my phone for my work, and this company is crippling my ability to work.
I have attached a screenshot, but could provide many more examples if needed. The numbers that repeatedly harass me are the following : XXXX, XXXX, XXXX
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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Over the past several days, a company has called myself, members of my family, and has threatened to call my employer MULTIPLE TIMES. I have no idea who this company is and what the matter is. The last voicemail I received was from XXXX who did not state she was with any particular company, and only gave me her telephone number of ( XXXX ) XXXX and a file number XXXX.
I googled the telephone number and it matched with Atlantic Recovery Solutions. I called and the first person who answered was silent and then hung up the phone. I called back and it went straight to XXXX XXXX voicemail, but nothing that states I was calling Atlantic Recovery Solutions. There is no " thank you for calling ... '' message. It appears to go directly to someone's personal cell phone.
I am extremely concerned for two reasons : 1 ) That this may be a scam to get me to pay a bogus collection, and 2 ) That they are harassing me, members of my family ( I have no idea how they have their telephone numbers ), and have already threatened to contact my employer.
|
| 01/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
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A collection agency is calling my work from the 2 below numbers and threatening me with contacting my employers. All my calls coming in and going are on a recorded line that my employers keeps. I've asked them several time to not call my work but they continue. My employer does not allow these calls and I can be fired. I've expressed this to them but they continue to call. The collection agency is saying it's a XXXX Credit Card and below are the 2 numbers they are calling me from. I need my job and I need them to stop calling my work. Please help as times are hard and money is short. I'm doing my best to hold on to my job as I know I'm blessed to have one during these hard times.
Calling from the below numbers XXXX XXXX Last week ( XX/XX/2021 - XX/XX/2021 ) I received a call and asked them not to call my work and they said fine we'll call your employers and hung up.
Today XX/XX/2021 - Received a call at XXXX and again asked them not to call my work.
I'm not sure how to stop them but happy I got the call and not my coworkers.
|
| 08/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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Good Afternoon, I have gotten 2 phone calls XXXX claming to be a legal matter not discussing what the "Legal Matter was" on my voice mail. He then calls my parents and looking for tells them i have a "Legal Matter" which is illegal to do because as an agency you are not allowed to expose to family members what they are looking for you are only allowed to ask if they person is still around to collect or looking for any debt. Im not sure what this debt is about or if its even paid off. This company Altalitc recovery solutions already has a class action law suit for threatning their customers about court orders. I called that number back and it went straight to voicemail. Being on unenpolyment my main concern is paying rent not a so called "Legal Matter from NY when im in PA. If someone serves a legal matter it has to be in the state. I would like this taken care of. They are also called Atlantic Recovery Solutions/XXXX XXXX as well. So when i first herd the voice mail it was XXXX XXXX then Atlantic Recvory the 2nd voicemail.
|
| 10/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
|
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Atlantic recovery solutions contacted me via phone on XX/XX/XXXX indicating they needed to speak to me or my legal counsel. I called them back same day and the man I spoke to was condescending, rude and was of no help. I then received a text from them on XXXX asking me to call a different phone number and provided a case # to reference. Again I called, the man didnt provide his name, took him 3 times to tell me the debt amount and then after several minutes of back and forth I agreed to a $ XXXX/month payment to stop the harassment and threat of legal action with the promise that they would email me all of the documentation that evening. I received no such email. After multiple emails and another phone call I finally receive an email with an attachment that has someone elses name and information on it! After receiving this email with someone in Floridas information I contacted my bank to cancel my card to stop this payment. This leaves a lot of anxiety about the security of my information.
|
| 12/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
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.
|
| 01/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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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
|
| 09/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
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.
|
| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Every day multiple calls for months They have called my parents and my job, I am extremely mad at the disrespect and I will not give them a cent. They have harassed me with my employment and lawyers.
Yes message solely intended here for a one XXXX her nail XXXX this is XXXX calling with Atlantic recovery solutions I'm actually just trying to follow up with you here regarding your XXXX account at this point my client is ready to move forward him they wan na statement on file in order to address the lunch claim unfortunately due to lack of communication I do have to report this back to my client and they are going to be scheduling a verification of employment if you or your attorney can give me a call back directly here XXXX before my client contacts to XXXX XXXX XXXX my direct number you can reach me at area code XXXX extension XXXX again that is XXXX to refer to case number XXXX if I do fail to hear back from you I wish you the best of luck
|
| 02/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2021 at or around XXXX XXXX I got a phone call from Atlantic Recovery Systems from a guy named XXXX XXXX, when I answered he asked me was he speaking with XXXX XXXX I said yes, additionally asked if I received a paper from them I said no. How I know this is because I have i formed delivery that comes to my email everyday to see what I get In the mail. He then says the amount He then proceeds to say well youre getting free money from the government. I told him it wasnt free money and told him to do better. He said do better well Im trying to help you. He tried to guilt trip me he was very rude towards me. To top it off never gave me a chance to even set up anything instead said he was going to mark it down as if I stated I wasnt going to pay. Never verbally said anything of that nature. This guy harrassed me and talked super nasty toward me. If you look at the review on their page Im not the first one with this experience.
|
| 03/23/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I recieved a call on XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I got call saying you have no responded this means you have waived your right and tomorrow XX/XX/XXXX this will be turned over. Either you or your attorney call l me sometime today so we can have your statement on file. I called back left a message I said i'm not trying to dodge the debt. I couldn't pay because loss a job. we emailed each other. I said I'd like to negotiate a settlement. He said no I can not accept the terms. I said I can pay XXXX per month. I'd also like something in writing due to the fact I never got anything in writing from them before regarding this. I never heard back again I followed up by email no response. But i'm getting calls at home and on my cell telling me this is our fourth call to you we are going to sue you have until 5 today to call us. I emailed XXXX XXXX to let him know i'm still getting these calls no response. The amount is {$1000.00}
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This debt collector emailed me, then 2 mins later repeatedly called my phone non stop. They are trying to collect on a debt that was written off by the original company. I explained to them I have never signed any contract with their company which is Atlantic Recovery Solutions LLC nor have I ever went into a contract with XXXX XXXX XXXX. He sent over a contract that reference a different address than one I have ever lived at which is also different from whats on my license. He also sent over a page that has a signature that isnt even my signature and does not match my drivers license it looks to be an automated signature. This company is trying to pin a dent on me and are harassing me to do just that please see attachment with how they call back to back. I have also filed a complaint on XXXX and sent this along to a lawyer who sues debt collectors
|
| 02/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
First, I received a robocall from XXXX - the name was XXXX from ARS asking to speak with XXXX XXXX. I blocked the call and then the company proceeded to send a text message from the number XXXX that states '' This text is from ARS. XXXX XXXX XXXX we need to speak with you pertaining to a legally required notice sent to your address. Please call XXXX to discuss your case and refer to File # XXXX while calling back. Thank you. '' I responded for them to never contact my number again. This was at XXXX on XX/XX/2021. Then at XXXX, I receive the same text message from the same phone number. After asking them to never contact me again, they defied my request and continued to contact.
Now they are starting to call my office phone. They called from XXXX on XX/XX/2021 and left a voicemail stating that I or my lawyer needed to contact them at XXXX.
|
| 09/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I kept getting the same repeated phone calls and voicemails multiple times per day. It sounded like a scam so I didnt respond since they never told me who they were on voicemails. I finally got a hold of them on XX/XX/19 when I found out they had called my sister, my father and my brother. They left a very personal voicemail on my brothers cell number. I have asked NUMEROUS times not to call my family members. When I spoke with the company on XX/XX/19. The man I spoke to was aggressive, rude and down right demeaning. I explained I wasnt currently working due to a health issue but I would like to rectify the situation when I can. He got very aggressive after I said that. He was excessively rude. I have a copy of the personal voicemail that he left on my brothers phone line. It was NOT okay to share my personal info with anyone other than me.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/21 Atlantic Recovery Solutions XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company called me for a person that I do not know and have never heard of. I called them back and told them that they have the wrong phone number, and they told me that they would take my phone number out of their system. I received a second call for the same person. I called back again and the woman told me " you don't need to keep calling, we took your number out of the system ''. I pointed out that they had called me after I was told that my phone number was removed. She hung up on me. I called again and asked to speak to someone in supervision and she rudely reiterated that they had taken my number out of their system. I told her that I was going to make a complaint against her company with the CFPB and my State Attorney General office.
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Recovery specialist, XXXX XXXX, called multiple times, leaving voicemails on my phone as well as on my husband and mother in laws. She left my personal information as well as threatened wage attachment and asset XXXX. I have saved the voicemails. When I called XX/XX/22, she said she did not say that. Accused me of trying to get out of paying my bills. Started yelling and saying I just want to get out of paying my bills. I tried to say to cease and desist any further communication but XXXX XXXX decided to say pay your bills and hung up on me. I called back to verify she heard my cease and desist and she said yes, she did and to pay my bills. Thankfully calls are recorded and I have the saved voicemails. ARS sent a notice of the debt on XX/XX/22 AFTER my cease and desist. Unacceptable behavior by XXXX XXXX and ARS!!!
|
| 07/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A person called would not offer the name of the company they were calling from, they are looking for XXXX XXXX XXXX XXXX is an ex husband going on 18 + years.
I advised that i am not sure why they would ever be reaching out to me for anything in regards to him. They made it seem like this was a case number and never represented them selves as a place to collect a debt or that the call was being recorded.
this was a week ago and again today another call, asking if i spoke to XXXX and relayed the information i did not because we do not speak. Still would not tell me where she was calling from. But this time the number when i called it back ( was different than the previous number ) did answer as Atlantic recovery solutions when i called her number back ( the one she gave me ) she answered ARS.
|
| 03/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
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.
|
| 05/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX , 2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe XXXX XXXX . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.
|
| 05/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
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.
|
| 12/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2018 a company called my father 's phone and called itself ARS and demanded that I call them to settle some legal matter. If I didn't a XXXX XXXX by the end of the day she threatened to take immediate legal action, freeze my bank account, garnish my pay and call my employer. At no time did she indicate who she was working for or for that matter what the name of her comapny was.
My father called back and was informed that it was Atlantic Recovery Solutions and he hung up. Immediately after hanging up someone left a message from the same company that '' the apple doesn't fall far from the tree '' I am autistic and this does not help my situation. I do owe XXXX XXXX XXXX some money and have been trying to settle the matter.
|
| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Atlantic Recovery Solutions agency has harass me consistently for XXXX years for a debt that was made in XXXX. They have lied to say they represent a company, but wont tell me who the company is and where they are located. They have called my father 's ex wife on numerous occasions leaving voicemails about a debt they claim that I owe. I have paid them a sum of {$1300.00} dollars over 3 years and debt has not been validated. They continue to call me and my family members and left voicemails on there phones concerning the debt. This is against the law for them to leave voicemails with my family members concerning the debts. On XX/XX/XXXX, they left voicemails for my stepbrother and stepmother concerning the debt.
|
| 10/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was left a voicemail about a credit card debt and around the same time was called by a process server. I called the number XXXX and they said that I had a debt for XXXX XXXX which I have never heard of. They had a very outdated email address so I gave an updated email address for them to send information about the debt to. I called XXXX and they were not able to find any information for an account that I had with them. They called from telephone # XXXX and left a voicemail again saying they were Atlantic Recovery Solutions and that the email I had given was invalid, which is not correct. I do not show a XXXX XXXX account on my credit report and until I had received the phone call, had never heard of XXXX.
|
| 01/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a message on my answering machine this morning. I have no idea who the caller or her company is, or what she is calling about. In the message, which came from XXXX, the woman identified herself as XXXX from Atlantic Recovery Solutions. She claimed that she " received the documents for ( me ) to sign '' and that I should return her call as soon as possible, or else I would need to call a lawyer. Even more strange and disturbing to me is that I just heard from my XXXX mother, who lives several XXXX miles away, saying that SHE received a message. In my mother 's words, " There was a message left by a XXXX XXXX Atlantic Recovery Solutions for [ my name ] and a request to call her at XXXX XXXX XXXX. ''
|
| 07/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
They repeatedly call me and call my work. They have given my personal information to my boss and threatened to sue me and arrest me. I tried to set a payment up but they demanded my bank information and payment in full. I spoke with one woman named XXXX as well as my boss spoke to her. She called me a XXXX and hung up on me. I called back and spoke with another lady who after giving me a fake company name and wrong call back number also hung up on me. I spoke with a man who told me to work on my character and pay my bills. They call me everyday all day but refuse to actually set up payment unless I pay in full. They also have given me FOUR different bills due - the amount due changes with each call.
|
| 07/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company has been trying to contact me via text messages for about a week. I sent a message after the original message on XX/XX/XXXX to send me a letter. I recieved another message on XX/XX/XXXX to which I requested another letter and advised them to stop texting me. On XX/XX/XXXX I recieved another message and again told them to stop texting. This is the message I continue to recieve " This text is from ARS. XXXX XXXX we have a legally required notice in our office with your name and SSN # attached. We need to speak to you or your attorney regarding case # XXXX. Please text or call back XXXX to discuss your case. '' This company has not identified themselves as a debt collector either.
|
| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Atlantic Revovery Solutions has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at XXXX balance and that I should report Atlantic Recovery Solutions to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On several occasions in XXXX of 2023 I got a call from XXXX from XXXX. I tried calling the number provided but it was out of order, the voicemail was intelligible and I had several family members call me and tell me that they have received multiple calls from this agency.
I did get a hold of this person but their system was down and could not verify my information or the debt issuer. I told them they contacted my family and they denied this even though they retained voicemail regarding my debt thinking my mother and sister were both my spouse.
I told them to cease calling my family and the individual denied ever calling them. I also requested to verify the debt and they could not.
|
| 04/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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XX/XX/2021 My identity was stolen when my wallet was stolen with my social security card in it. However this letter accuses me of owing XXXX money when it is impossible for me to owe money for pay-pal, when I have not attempted any credit at all with any company and XXXX said they would not send email to anyone through 3rd party. I told them I was reporting them and think I attempted to start a report but did not finish. I was sent another email this time saying they are official. I told them my identity was stolen and they continued to harass me and possible have put on my credit report and I am trying to get a house.
Please help.
Thank you, XXXX XXXX XXXX XXXX
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| 11/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My sister texted me on XX/XX/2023 verbatim, Hey Sis, I pray all is well.
I just got a call from XXXX of XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX. He said for you or your designated Power of Attorney to please call him. She subsequently wrote, They said I was next of kin, they made me nervous I thought something happened. When I looked up the company it was a debt collector. I called the number XX/XX/XXXX and XXXX picked up. I asked if they were a debt collection agency, which he confirmed. He then began to ask questions and talking over me before I could finish. By the time he told me to shut up while [ he ] was talking I disconnected the call and filed a report.
|
| 10/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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There are several companies trying to collect this debt of {$710.00}. XXXX XXXX XXXX XXXX on my credit report who sold to XXXX XXXX XXXX and Atlantic Recovery Solutions who purchased from XXXX XXXX. XXXX called on XXXX at XXXX went to voicemail, XXXXXXXX XXXX left a message, XXXX I called back left him a voicemail, and XXXX am I answered went off on him. At XXXX XXXX I called back got the information. Company named XXXX XXXX hired him provided two Texes addresses and an Ohio address my Michigan phone number. At no time did I provide them that number nor any other address outside of Texas. They have my Texas phone number and violated by calling me before XXXX.
|
| 01/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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|
Web |
|
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Atlantic Recovery Solutions has been contacting me multiple times both at work and my cell phone through calls and text. On XX/XX/XXXX, I spoke with a representative and told them that they may NOT contact me until I have something sent via mail verifying the debt and that they own it. They agreed and get I receive a text on XX/XX/XXXX in which I reply with the same information and add that they may also not contact me by phone text or at work. Minutes later I receive another call from them despite the second request. I remind them that this is a violation of the FDCPA. The calls need to stop and they need to send the verification information ONLY in writing.
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| 10/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
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Web |
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Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother.
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As a consumer, I am writing to file a complaint against Atlantic Recovery Solutions , LLC, concerning their recent inquiry on my XXXX credit report dated XX/XX/23. This inquiry, conducted without proper authorization, not only violates the Fair Credit Reporting Act by lacking a valid permissible purpose but also constitutes an intrusion upon seclusion, impacting my privacy rights.
In this instance, no permissible purpose or consent was provided for the inquiry, resulting in a violation of both privacy rights and FCRA regulations.
Enclosed, please find supporting documentation for your review.
I appreciate your prompt attention to this matter.
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| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I receive calls from this company almost every day, day and night to the point of harassment. The calls are on both my work and mobile number and have I repeatedly asked not to be called. I was told they will harass my family members until the debt is paid. I was called " XXXX face '' and " XXXX '' by two of their agents. Told a XXXX year old should be embarrassed about having a debt like this. I really do n't know what the debt is and have asked for information in writing which has not been forthcoming. Some of the people who have called are ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and there are others who do not give names.
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| 03/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Atlantic Recovery has contacted me on my cell phone, which I did not give approval or consent for them to reach me on my cell phone. I've told them the individual they are calling for is not tied my phone and to stop calling me and they continue to call from various call numbers back to back.
Most recently ARS sent me a text message again asking me to contact them to resolve a debt that I don't own and is not even in name.
Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Text on XX/XX/XXXX @ XXXX XXXX asking me to call XXXX
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| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Apparently a credit card company sold my debt to Atlantic Recovery Solutions sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.
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| 07/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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|
Web |
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A XXXX XXXX XXXX, left a voice mail on a distant relatives phone stating his name and that he was with an " Altantic Recovery Solutions debt collection agency ''. Stating '' that its an extremely important matter against her that she contact me immediately. That this was not a solisitation. Tell her to contact me here immediately '' This same message was left on my husbands family, unlisted public answering machine for all to hear.
Ive never received anything in the mail by this company or ever heard of them.
they have violated the 3rd party disclosure law and i will pursue any charges that are available to me.
Thank you
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| 04/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.
|
| 08/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
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My account with XXXX XXXX was given to XXXX & XXXX Acquisitions the company transferred the file to Atlantic Recovery Solutions, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. Atlantic Recovery Solutions threaten on several occasions to take legal actions. So I have filed a complaint with XXXX over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was XXXX XXXX times during the time in which I had the account.
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| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I have received numerous harrassing calls/messages threatening legal action but no written communication/proof of the alleged debt from this collection agency. When I asked for this, they refused without me first providing my SSN. They call numerous times leaving messages, I don't know who these people are and have no knowledge of any alleged debts. They are now calling family members leaving messages in addition to me prompting concern for my privacy. I want ALL harassing activity towards me and family members to cease immediately, and all phone numbers removed from their records immediately.
|
| 02/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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XXXX XXXX with Atlantic Recovery Solutions calling from XXXX trying to collect a debt from a Mastercard unbeknownst to me. 2 years ago all of my information was apprehended and used to try and file taxes in my name, to make matters worse my phone number has been tied to 3 online breaches in the same year. Since then these calls have become more rampant and I am trying to dispute errors on my credit reports. He has now resorted to calling my husband which is definitely not okay. The second number I listed is the number he called and left a message at today. I would like this to stop.
|
| 04/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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Received numerous calls from XXXX XXXX at Atlantic Recovery Solutions ( ARS ) from XXXX, NY, stating she was an account representative and was working on behalf of their client to collect a debt. I informed her I do not have a debt with the creditor mentioned and asked for verification. She stated that she does not need to verify anything. I asked her to stop calling me, my place of employment, my husband and my relatives after which she hung up on me. I then sent a Cease and Desist and Dispute letter via fax to their offices after verifying someone named XXXX XXXX worked there.
|
| 01/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
Monday XX/XX/XXXX XXXX make outgoing call because ATLANTIC RECOVERY SOLUTIONS XXXX XXXX where XXXX XXXX gave my debt to kept calling and harassing me to pay them when I told them specific dates that I will be able to make payments. And I made XXXX in payment toward a XXXX debt. Then they keep calling my father in law, husband and bestfriend to collect a debt from me all in a week when I am a broke XXXX XXXX who isnt working at the moment but is applying to jobs. I have XXXX next week and I will be out for two weeks till I get recovered then can I work full time.
|
| 09/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.
|
| 08/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My boyfriend received a call from XXXX XXXX at Atlantic Recovery Solutions on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him.
XXXX also told him that a judgement was about to be filed against me for the amount owed.
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter.
This is a clear violation of the FDCPA.
|
| 10/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
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.
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| 07/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
|
|
I received a call from my grandmother saying that a man called her threatening her if she did not give them my phone number for a debt collection. When I called them back they would not provide me with any written information about the supposed debt I owed. When I asked questions they said I should get a lawyer and that they are recommending to their client to take further action in court. Then another voicemail was left saying that if I did n't resolve this matter by XXXX the next day they would have no choice but to sue me.
|
| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Atlantic Recovery Solutions, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you
|
| 04/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/19 I received a voicemail from Atlantic Recovery Solutions stating rep name XXXX XXXX trying to collect debt for XXXX XXXX XXXX leaving file # XXXX and stating if I don't respond today, failure to respond will result in verifying my employment and any access to property in my name. This rep also called my brother and left a voicemail with the file number. I have attempted several time today to call back the # the rep requested I call back XXXX and get a busy signal everytime. I have no idea what debt this is for.
|
| 09/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was contacted by XXXX XXXX at Atlantic Recovery Solutions. He said he was trying to reach someone regarding a debt they were trying to collect on. He gave me the person 's name and how much she owed. I asked how he got my number and he said she had used my name and number on a job application as a reference.
I truly hope this is illegal behavior. This is public shaming and possible slander. To give out such information to others in this person 's field threatens her livelihood and career. And damages her reputation.
|
| 02/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very " time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 - Received a call from Atlantic Recovery Solution at XXXX PM. They gave information out without verifying who they were speaking with. I continued the call regardless and asked to send a physical validation notice. They refused to send me one.
XX/XX/2021 - I called back to Atlantic Recovery Solutions at XXXX PM to verify what address they had on file, they had the incorrect address so I asked them to update it and send me a physical validation letter. They refused again.
|
| 07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
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
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2023 I talked with Atlantic recovery solutions and offered to settle a debt. They brought up all the other debts I owe, including to XXXX and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.
|
| 02/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I submitted a complaint previously but was the wrong ARS. I was able to track this one down.
THey refuse to stop contacting me. I told them i was going to report them here and they called me about that. THey keep telling me to get an attorney, telling me they have my social security number. This company threatens with texts. I had to block them they wouldn't stop calling and I have blocked messages from them in my box still with the same threats. I've had enough. I
|
| 07/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Atlantic Recovery Systems was told to cease and assist before and they continued to call and now threaten me with XXXX County ... they were not to call and have violated the law to cease contact ... I want them reported they wont even say what the debt is about nor have i received any information they just keep calling taking breaks then calling again over and over ... I looked them up and they have similar complaints and class action lawsuits for abusive practices
|
| 11/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Atlantic Recovery Agency has been harassing my family.They call different people I know and is extremely rude and aggressive. They also call from a regular phone ( XXXX ) or a ( XXXX ) number but when they leave a voicemail they have us call back a ( XXXX ) number. I was supposed to be receiving a email or a letter with the XXXX collection information, and have yet to receive it. But Theyre constantly calling me I get at least 15-20 calls a day from these people
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
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.
|
| 01/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Atlantic Recovery Soulutions ran my credit report without my permission. I have never heard of Atlantic Recovery Solutions before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Atlantic Recovery Solutions.
|
| 03/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received text messages past XXXX pm, which is unreasonable. I have unfortunately deleted most grievances regarding phone calls but I have asked them to stop calling my parents, and they have promised they would stop, only to continue, as well as calling me upwards of 5 times a day. I have spoken to them regarding the debt and asked them kindly to email me and stop harassing me but they refuse
|
| 09/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
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.
|
| 09/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2020. Received a call from Miss XXXX advising me of an out of court settlement for my debt owed to XXXX XXXX. I have never received any letter stating my debt nor have ever heard from this person before. She left a message saying they have been trying numerous times to contact me. She told me I basically had 24 hours or she would recommend further action. This is not the original creditor.
|
| 08/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
1. Have contacted my children and brother for the said credit card debt 2. Have been harassing me through non-stop several phone calls multiple times a day 3.Lie about the amount I am owing 4. Threatened me with law suit.
I have asked them for the details of the said debt. This said debt is over five years old. I even offered to pay $ XXXX/month until the debt is retired.
|
| 08/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I was contacted by this company on XX/XX/2019 at my work and made arrangements to repay a debt that I owe and asked that they not call my work number and they continue to do so, they're calling several times a day on both my work and my personal cell phone number. I don't care if they call my cell phone, but they're harassing me at work which I've asked them not to.
|
| 03/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On Friday, XX/XX/XXXX.
Atlantic Recovery Solutions The company contacted a family member and released the dollar amount of an owed debt as well as my payment history to my mother at her home without my knowledge. After contacting the company they explained this was not illegal and asked do you really want to do this over . $ $? They insisted no act was illegal.
|
| 10/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone!
|
| 07/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
Repeated telephone harassment of me, my XXXX adult children and ex-husband over an old credit card debt that expired under Maryland 's 3-year statute of limitations well over five years ago. Falsely claimed there is a court suit pending against me and that more legal action is pending, also false. Have asked them to cease and desist this harassment to no avail.
|
| 07/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Receive weekly calls from, as per caller ID : XXXX. A recorded identical message is heard each time, " this is your final notice, etc ''. call XXXX ( Atlantic Recovery Solutions ). Failure to do so shall result in legal action ... ... .... The activity has been going on for several months. My wife, son and I, all with the same last name have been contacted.
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
These people call me trying to collect from someone named XXXX XXXX. Apparantly she had my number before the cable company gave it to me.
I Have asked them repeatedly to put me on a do not call list and they assure me that they've done that yet I still get calls at least three times a week and usually from someone with a really poor attitude.
|
| 11/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I believe Atlantic Recovery Solutions called my step mothers cell phone on XX/XX/2020 saying they had a business letter they needed to send me however did not identify who they work for and apparently have my cell phone number as they text on XX/XX/2020 me saying they had a legally required notice they sent to me which I have not received.
|
| 05/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX & XX/XX/XXXX XXXX Received calls from XXXX XXXX Senior Associate at Atlantic Recovery regarding an urgent matter ( I do not have any debt in collections ). Phone number shown on phone XXXX. When I researched this phone number the owner is XXXX XXXX XXXX in XXXX. XXXX 's messages said to return call at XXXX extension # XXXX.
|
| 12/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
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
|
| 02/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Daily or sometimes multiple times a day calls. They leave an ominous voicemail regarding a legal matter? I called and told them I'm on the do not call list. Told them to take me off of their contact list. The person on the other end told me NO. I receive multiple call daily from these people.
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have answered phone calls and received texts looking for someone who owes a debt I have asked twice now to have my phone number removed and to stop calling me. Both times the gentlemen were rude and kept asking how to get a hold of this person. I am not the person so I wouldnt know.
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I keep receiving text messages and phone calls from a company called XXXX. I do not know who they are but they keep sending threatening text messages and have been reaching out to my extended family. I have never received any written communication from this company.
|
| 05/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received a voice mail from XXXX phone number XXXX where it implied that further measures would be taken. Verification of employment implies that possible lawsuit and garnishment would happen. I believe this practice is abusive and should not be done as such.
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I called back about a debt, XX/XX/23 the person gave me extreme attitude and I said it wasn't necessary and they hung up on me. I've called back multiple times ( 5 ) and been hung up on. Can't pay a debt that I can't get info about in a decent fashion.
|
| 05/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Atlantic Recovery Solutions called me at work on XX/XX/2022. I told him not to call my work. He called back again in 5 minutes. XXXX called again today XX/XX/2022. My supervisor warned me again not to have debt collectors calling my workplace.
|
| 10/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated phone calls throughout the day as well as text messages. My parents are receiving calls that they shouldnt be receiving using my name. They call at least XXXX times a day to my cell phone and at least once to my parents home.
|
| 04/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.
|
| 01/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.
|
| 02/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Mail fraud letters look real but the promises are fake.
1.Lots of call when am working.
2.Lying about boosting my credit if I paid.
3. Lying about removing lien derrogation There email is Atlantic Recovery Solutions
|
| 10/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These people have called and texted me for years and Ive advised them that they have the wrong number repeatedly. Last time I called ( today ) they said they have no record of me reporting a wrong number to them.
|
| 10/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
This is n't my debt I did n't cosign or anything this debt is my XXXX child 's debt and they do n't even live with me these people are calling and harassing my husband and I on our home phones and cell phones
|
| 01/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Contacted by XXXX from Atlantic Recovery Solutions on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.
|
| 11/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated calls sometimes more then once daily that are recorded. Messages also recorded. Showing in caller ID as unknown. They do not answer to try to work with them to stop the harassment of calling!!!
|
| 10/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2018, Atlantic Recovery called my parents phone number and advised they were attempting to collect a debt for me. They shared they account name and amount. The agents name was XXXX XXXX.
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Debt is disputed on credit report yet they continue after being told to cease and desist to contact family and associated people. This is a XXXX over XXXX years old. Disputed on credit report
|
| 02/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Several repeated phone calls to me ( who is on a payment plan ) As well as several calls to my girlfriend who is not affiliated with the account.
About 12 calls were received today.
|
| 11/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They continue to harrass my family keep calling them hours of the morning and night I never gave them their information! I told them numberous times to stop! They continue!
|
| 04/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Called me multiple times, explained to them that they are calling the wrong person. They also keep sending texts asking for a completely different person/name than mine.
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I do n't know what I owe this guy but keep calling threaten and now start calling my wife and my sister 's cell phone which they are nothing to do with my any debt.
|
| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
These people have texted my cell phone WITHOUT Explicit consent to do so. I did not give them permission to text me whatsoever and have no contract that is legal.
|
| 03/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
This debt collector keeps calling my family my work place threatening me that the will be looking for any contacts keep contacting my employer and others.
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They called my wife and sent an email to me. They called me and didnt say what company they were with or say they were collecting a debt!
|
| 06/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Atlantic Recovery solutions called my mom and brother multiple times when they already contacted me which violates the fdcpa.
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me multiple times a week. They also call my husband even more leaving voicemails threatening legal action.
|
| 06/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Collection agency has repeatedly contacted family members that are frustrated with receiving the harrassing calls.
|
| 07/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Called my place of employment and threaten me saying they would call my human resources at my corporate office.
|
| 01/31/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
Servicemember |
|
|
| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 09/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 02/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/27/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 10/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Postal mail |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 11/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 10/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 08/03/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 03/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/14/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 08/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 08/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 03/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 06/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
|
| 06/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/13/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Older American |
|
|
| 09/04/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/20/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/05/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/28/2014 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/04/2014 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
|
| 10/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|