|
11679179
|
2025-01-22
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX p : ( XXXX ) XXXX These folks keep contacting me via text, phone, leaving voicemails multiple times. I have no idea what they are calling for nor have I received and letter communication from them.
Now they have resorted to calling my XXXX XXXX XXXX son several times times XX/XX/year> and XX/XX/year> They contacted my mother twice today XX/XX/year> and went as far as leaving a voicemail stating if she didnt call back today they were going to contact my employer and do an employment verification. Said this is a communication from a debt collector attempting to collect a debt. This was left on my mothers voicemail whom I dont even speak to, nor does she live in my home.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11930666
|
2025-02-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-02-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
|
|
6765682
|
2023-03-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2023-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-28
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2959418
|
2018-07-10
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2018-07-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-10
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3111314
|
2018-12-27
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
I do not know
|
| Date Received |
2018-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-27
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2594168
|
2017-08-03
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated attorney, law enforcement, or government official
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-03
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1728258
|
2016-01-05
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
I do not know
|
| Date Received |
2016-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-01-05
|
| Complaint What Happened |
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. ''
|
| Consumer Consent Provided |
Consent provided
|
|
|
1641744
|
2015-11-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-11-05
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-11-05
|
| Consumer Consent Provided |
N/A
|
|
|
8294954
|
2024-02-06
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted you instead of your attorney
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Other
|
|
|
7954701
|
2023-12-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8371195
|
2024-02-19
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7891396
|
2023-11-23
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-23
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6827407
|
2023-04-11
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1253362
|
2015-02-23
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2015-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-25
|
| Consumer Consent Provided |
N/A
|
|
|
3385359
|
2019-09-25
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-25
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6668683
|
2023-03-08
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6281639
|
2022-12-05
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-29
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5034355
|
2021-12-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated attorney, law enforcement, or government official
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5149186
|
2022-01-25
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-25
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
5188892
|
2022-02-04
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2022-02-04
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-04
|
| Consumer Consent Provided |
N/A
|
|
|
2232638
|
2016-12-02
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-02
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3815457
|
2020-08-26
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-26
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3243245
|
2019-05-15
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-05-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3717162
|
2020-06-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-26
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2362665
|
2017-02-27
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-02
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2765845
|
2017-12-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2017-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-03
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6846892
|
2023-04-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-16
|
| Complaint What Happened |
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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| Consumer Consent Provided |
Consent provided
|
|
|
1887125
|
2016-04-19
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2016-04-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-19
|
| Complaint What Happened |
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.
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| Consumer Consent Provided |
Consent provided
|
|
|
9263000
|
2024-06-14
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-14
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
The debt collector is called Atlantic Recovery Solutions. Calls from the number XXXX. They kept calling me about a debt that didn't exist. When I blocked them, they started calling my family members, such as my mother-in-law. When I called them to stop it, the woman on the phone started yelling at me, telling me to shut up.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9287036
|
2024-06-18
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-06-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-20
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7568057
|
2023-09-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Atlantic Recovery Solutions LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-09-18
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-18
|
| Consumer Consent Provided |
N/A
|
|
