Complaints

This profile includes complaints for Atlantic Recovery Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Atlantic Recovery Solutions, LLC

  33 Dodge Rd Ste 108 Getzville, NY 14068-1540

  
• 

  Atlantic Recovery Solutions, LLC

  PO Box 156 East Amherst, NY 14051-0156

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ARS keeps calling my phone asking to speak with someone I have never heard of or have no ties or dealings with about an important legal matter. I inform them they have the wrong number every time they call but they just keep calling. Their tactics are very manipulative because when they call, they say the persons name very loud they skip the standard greeting in an effort to try to trap the person into revealing their identity. It's pathetic because most of these debt collectors are buying debt thats already been written off, seems like it should be illegal. Overall, I just want them to stop calling me.

  

  Business Response

  Date: 04/22/2025

  Atlantic Recovery Solutions (ARS) has reviewed the complaint and conducted a thorough investigation into the allegations within. Our records show that contact was made with this person on April 11, 2025, at which time the person claimed we had the wrong number. The employee placed an incorrect status on this person's phone number which caused the number to be dialed 2 more times. The error has been corrected, and no further calls will be made to that number.

  Customer Answer

  Date: 04/22/2025

  Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  Regards, ******* *********

• Initial Complaint

  Date:04/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving call after call. The numbers provided my ARS don’t match each call nor can they be found on any website. I received three calls on 4/14-one of them at my work. Tuesday an email through my works, and when I attempted to call— their voicemail has no identifying business. Why would I leave a message? After reaching voicemail that doesn’t identifying who they are they called back—initially not identifying themself. They were rude and harsh. They have not provided proof, even in the email.

  

  Business Response

  Date: 04/22/2025

  Atlantic Recovery Solutions (ARS) has reviewed this complaint and performed a thorough investigation into the allegations within. First and foremost, as a call center, ARS has several hundred numbers assigned to our office and the majority are not reflected on the internet. A review of all call logs, notes and call recordings show no violations occurring and the only contact with the consumer was a 30 second call where the consumer stated "What kind of company doesn't have voice mail" then hung up. ARS has closed the account within our office and returned it to our client.

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has contacted my family members more often than what is permitted by law regarding a debt that they claim I owe, which I have since disputed. Additionally, the communications with one of my family members (via a voicemail left on 4/8) insinuated that the call was regarding a debt, which is against the law, as collections agencies are not permitted to discuss the debts with outside parties. I have since requested that the agency cease all communications about my account with all third parties, including family members, friends, my employer, etc. The agency is permitted to communicate with me once they have gathered the details I requested in my dispute.

  

  Business Response

  Date: 04/09/2025

  Atlantic Recovery Solutions (ARS) has reviewed the complaint and conducted an investigation into the allegations within. First and foremost, ARS only received the account on 4/4/25 and made our first attempts to contact the consumer on 4/8/25. There have been no repeated calls to any number listed on the account, whether direct to the consumer or to a third-party. A review of the contact call with the consumer on 4/8/25 shows no mention of a dispute over the account. ARS is closing the account and returning it to our client. There will be no further contact from ARS.

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They call and they are rude they don’t have the correct information. I ask them why did they pull my credit if my info was still the same. And then tells me they looked at my credit and seen I was trying to fix it. I talk to three people asking can I make a 10.00 payment until I get back on my feet. The guy soo busy over talking me he didn’t even hear what I said. So I told them to take it to court. I tried working with them but they will not listen. They over talk you. By any means I rather deal with the court before these rude people. He also told me the amount I’m trying to pay until I can pay more is a waste. So at this point don’t call me if it’s a waste.

  

  Business Response

  Date: 04/08/2025

  Atlantic Recovery Solutions (ARS) has reviewed the complaint an conducted an investigation into the allegations within. First and foremost, as a third-party collection agency, ARS has the right under the Fair Credit Reporting Act (FCRA) to pull credit reports on the consumer's we are attempting to collect on (Section 604 "Permissible Purpose for Obtaining Consumer Reports"). Per the recordings the consumer claims to have been a collector and states she "knows the game". She also stated that if she paid the settlement that was offered, she wanted it removed from her credit report. This would also be a violation of the FCRA as well as against our client policies on credit reporting.  ARS has closed the account in our office and returned it to our client. The consumer will have no further contact from ARS.

• Initial Complaint

  Date:04/04/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There was a random phone call in the middle of my work day regarding a family member for a debt that has nothing to do with me. When I refused to provide information, as they may be a scam, or they felt as if I didn't understand what they were asking, she then proceeded to overhear someone in the background of my phone saying to be careful of scams. She explained how they aren't a scam and read off my social security number out of nowhere while my phone was on speaker. Intentionally or unintentionally, she caused the threat of identity theft through her actions. At the same time, she took a vindictive tone, making this seem more intentional.

  

  Business Response

  Date: 04/25/2025

  Atlantic Recovery Solutions (ARS) has reviewed the complaint and conducted a thorough investigation into the allegations. ARS apologizes for any improprieties and is addressing the agent within company policy guidelines. The complainant will receive no further contact from ARS.

  Customer Answer

  Date: 04/25/2025

  Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you to ARS for investigating and handling the situation. Regards, ******* *****

• Initial Complaint

  Date:04/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I spoke with a representative at Atlantic Recovery Solutions about a possible payment plan. I was told I would receive a document that I needed to sign and return to authorize any payments. When I received the document, there was no signature line. I called to clarify and was told to “just send the document back as if it is” signed. I never returned or signed the document. Despite that, $105 was debited from my bank account on 3/28/2025 without written consent. They are now treating this as an active recurring payment plan and are set to charge me again on my next payday. This is a violation of the Electronic Funds Transfer Act, as I never gave written authorization for this transaction. I have already filed a formal complaint with the CFPB and my bank is disputing the transaction. I am requesting a full stop to all payments, a refund, and that this collection account be removed from my credit report.

  

  Business Response

  Date: 04/22/2025

  Atlantic Recovery Solutions (ARS) has reviewed this complaint and conducted an investigation into the allegations within. First and foremost, all calls within ARS are recorded and archived for reference. These recordings serve as the consumer's authorization for the payments and has been upheld in these types of issues. Be that as it may, the consumer was sent a receipt to sign and return but failed to do so by her own admission in the complaint. ARS has refunded the payment and closed the account within our office returning it to our client. Recent correspondence from the consumer (dated 4/22/25) shows an offer of $300 to close the account and also requests a deletion from all three major credit bureaus. While ARS cannot accept a settlement of 27% of the balance, we also cannot authorize the removal of the account from the bureaus. ARS is not a data furnisher and cannot remove items we have not placed on those bureaus. Also, the Fair Credit Reporting Act (FCRA) requires all data furnishers to report true transactions. ARS is returning the account to our client and the consumer will receive no further communication from ARS.

  Customer Answer

  Date: 04/23/2025

  Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I reject this response. ARS mishandled this account, including withdrawing funds from my bank account without my consent and then refunding the payment after I filed a complaint. While they state they are not a data furnisher, their actions directly contributed to the negative impact on my credit. They also closed the account and confirmed they no longer have authority over it.Additionally, I’d like to note that ARS misgendered me throughout their response, referring to me as “she” when I am a male. This lack of attention to detail reflects poorly on their professionalism and how they handle consumer concerns. This matter remains unresolved, and I’ve taken steps through formal credit disputes and CFPB channels. Regards, ***** *****  

  

  Business Response

  Date: 04/23/2025

  Once again, ARS has the recording that the payment was authorized. No other payments were removed the consumer's account and the one payment that was authorized was refunded at the consumer's request. No violations have occurred and if there is a legitimate dispute regarding the debt, then provide that dispute and ARS will forward to our client. 

• Initial Complaint

  Date:03/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Was contacted by this company and attempts to collect a debt. A parent plan was set up. Unfortunate circumstances had a rose and was not able to-make the last payment. I was not able to receive any information about them. Besides, the lady that I talk to was named Kay and man’s name was Jason U****. I was talked down to and belittled and was told many threats. they refused to give me the name of the company and any information about who I was talking to at first. I was concerned that was fraud and after looking it up, found that it was a company that was in New York and only two people would answer the phone on-their many different numbers to try to resolve the issue through customer support. No solution was given and another help was received.

  

  Business Response

  Date: 04/25/2025

  Atlantic Recovery Solutions (ARS) has reviewed the complaint and conducted an investigation into the allegations within. A review of the calls shows that the collector was attempting to provide several options for the consumer. Which all were refused. IN being transferred to a manger the consumer complained about the way the collector was talking to her. The recordings show that the collector remained professional throughout the entire call. Regarding the refusal of giving the company name and our legitimacy, none of these items should have been in question as the consumer had already made a payment to ARS without question. There was no prior mention of a disputed portion or ARS' legitimacy until the consumer's payment failed to process. The only mention of dispute at that time was that the consumer's vehicle was repossessed and the tires were on it. Unfortunately, this is not a valid dispute. While the consumer may no longer have the vehicle and tires, the finance company still paid for those tires. ARS has closed the account within our office and returned it to our client. The consumer will receive no further contact from ARS.

• Initial Complaint

  Date:03/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was harassed and bullied by a woman of the name charity at Atlantic recovery solutions ARS. I left a review already but I want my debt resolved. I was called 6-8 times a day even when I asked to only be contacted via mail. I asked for a detailed letter of my debt, never received it. She yelled and spoke over me. It was so bad I thought it was a scam. With so many ppl in the background she yelled my entire social out over the line! I said stop you cannot not do that she said yes I can I have your information right here and starts to yell out more on my confidential info.she then told me I need to handle my priorities and put my big girl panties on and pay my bills. She would not let me speak. I asked to speak to someone above her. I then explained to the guy what just happened and he chuckled I told him I didn’t want them calling me anymore to contact me by mail and he said I that’s not how this works we can call you as much as we need to, he then hung up on me. Not only did this violate my confidentiality but also the fair credit act. This is unacceptable

  

  Business Response

  Date: 03/11/2025

  Atlantic Recovery Solutions (ARS) has reviewed the above complaint and conducted a thorough investigation into the allegations within. An examination of the call recordings and account notes show contact was made in December 2024 with the consumer. The consumer was upset that her social security number was stated over the phone. In her complaint she states, "Not only did this violate my confidentiality but also the fair credit act". In actuality, ARS as well as all collection agencies, are required by the Fair Debt Collection Practices Act (FDCPA) to confirm the identity of the consumer using personal identifying information which includes the social security number. The consumer contacted ARS on December 20, 2024, at 1:25pm and informed a representative that she wants no more phone calls, and any communication should be in writing. The representative removed her numbers, and no subsequent calls were made. ARS then closed her account and returned it to our client, ******** ******** ***** on January 3, 2025. ARS has had no active account for the consumer since that point. If she is currently receiving calls, she would need to reach out to our client and locate the current agency representing her account. 

  Customer Answer

  Date: 03/12/2025

  Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.The reason I do not accept this offer is because they’re trying to make excuses on why the things were said, for one I do understand that Social Security numbers are used to verify people; however she was extremely condescending and did not use it in that manner, she was using it to taught me. She was continuously talking over me being rude and talking loud so that I could not speak. when someone tells you they don’t want you to yell out their entire Social Security number with their voice raised, you should stop and not say yes I can and continue on. It should’ve been handled way better. Since the calls are recorded, then they should go back and listen to it for themselves because they would feel the exact same way that I do if it were them in my position, she should not be working there. She shouldn’t even be talking to people in customer service at all. Also, I don’t like the fact that they dismissed how bad I was talk to and the harsh and absolutely inappropriate things that were said to me that’s not okay. As far as I know it violates the fair credit act and is not allowed in the state of Florida. In this case I feel like my debt should be disputed. You cannot talk to people that way, especially when you’re trying to collect a debt from them. I have never felt so helpless and such resentment after getting off of the phone with a debt collector.  No one ever in the professional world has treated me that bad or made me feel that way and I didn’t even give her a reason to. Thank you.  Regards, ******** **** 

  

  Business Response

  Date: 03/12/2025

  ARS maintains our original response. The statements the consumer claims were made are not reflected in the call recordings and we suggest, as prior, that the consumer contact the debt owner, ******** ******** ***** for the current agency.

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They keep calling me regarding my sister, asking for her information. She said she has no debt and has no idea what this place is.

  

  Business Response

  Date: 01/30/2025

  Atlantic Recovery Solutions (ARS) has reviewed this complaint and conducted a thorough investigation into the allegations. Federal law allows for the contact of third parties for location information on the individual that we are attempting to contact. These calls are prohibited after we have made contact with that individual. A review of the call records show that each call is a request for location information only. At no point was there a mention of why ARS was looking to locate this person. The allegation "She said she has no debt and has no idea what this place is" is strictly conjecture as this was not revealed on these calls. ARS has removed Ms. *****' number, and no further attempts will be made to her phone.

• Initial Complaint

  Date:01/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 9th, 2025, Atlantic Recovery Solutions LLC was mailed a letter via USPS Certified Mail (confirmed delivery on 01/13/2025 by USPS) seeking debt validation and seize of contact until such validation was received and could be reviewed. This letter was also sent via Electronic Mail on 01/10/2025. Since the letter was mailed (and confirmed delivery), Atlantic Recovery Solutions has continued to contact me by phone and has left numerous voicemails; they have failed to provide a validation of the debt they state that I owe. In voicemails that have been left, there have been threats of legal action and they have also contacted at least one third party. The validation letter also claimed that they have violated the FDCPA by using language that could be interpreted as harassing, intimidating or threatening, failing to provide an initial notice of debt owed, leaving voicemails beyond the scope of Limited Content Messages, and contacting/communicating with a third party regarding the alleged debt beyond the scope authorized by the FDCPA, without my consent. I am filing this complaint with the Better Business Bureau in an attempt to resolve this matter and have Atlantic Recovery Solutions LLC seize communication until the validation is provided (and can be reviewed) or the debt is returned to its original creditor. If this matter is not resolved through the BBB, I may have no choice but to seek intervention by the Consumer Financial Protection Bureau, the New York State Department of State's Division of Consumer Protection, and/or the New York Attorney General's office.

  

  Business Response

  Date: 01/27/2025

  Atlantic Recovery Solutions (ARS) has reviewed the complaint and conducted an investigation into the allegations within. While the letter sent to ARS' PO Box may have been signed for (by a USPS employee), it was not present in our box until 1/20/2025. At that point, once ARS received the account it was placed in a hold status and all documentation requested by the consumer has been ordered from our client. No attempts have been made from that point on. ARS sent an initial dunning letter containing the 1692g validation notice to the consumer on 1/7/2025 (see attached). ARS, again, placed a hold on this account awaiting the validation documentation from our client. Once received, ARS will forward the documents to the consumer for review. If the requested documents are not received within 30 days, ARS will close the account and return it to our client as required by the Fair Debt Collection Practices Act (FDCPA). Until that point no further activity will occur on this account.