ComplaintsforAtlantic Recovery Solutions, LLC

• Initial Complaint

  07/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  File # ******* I have sent the agency an email and text stating they are not to call anyone but me at **********. These is the only number for me. They are harassing my family member and they were told they are no allowed to call any other number but the one I provides them. I want them to stop calling my relatives and sending them text messages. They are sending messages to ###-###-#### and ********* which are not my numbers

  

  Business response

  07/15/2024

  Atlantic Recovery Solutions (ARS) has reviewed and investigated the allegations within this complaint. While ARS did have this account placed in our office, it was returned to our client on June 25, 2024. If the numbers outlined within the complaint are continuing to receive calls, they are not being generated by ARS. The account has not been in our office in 3 weeks. 

  Customer response

  07/17/2024

  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

  07/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was contacted by this debt collector on July 10, 2024 at 2:11 PM. I did not answer the unknown number and received a voicemail. While checking the voicemail at 2:12 PM I received a call from my parent at 2:12 PM stating that Atlantic Recovery had contacted her and told her to contact me. I promptly returned the call at 2:13 PM and was met with the most hostile person I've ever spoken to. She asked me how I wanted to settle the debt and I asked her if this was their first attempt to contact me. Suggesting that maybe I had missed some communication attempts. She said "yes, this is our first time contacting you, we were forwarded your case from a company". I said, "why are you all contacting my family members before attempting to reach me and how did you get my parent's number since their number is not listed on any of my paperwork?" She replied, "we received 5 numbers when we got the case from the company and we called all of them." I said, it's illegal to contact my family members without having attempted to reach me first. (There is absolutely no way that this company was able to contact me then my parent within 1 minute and claim to have attempted to get in contact with me first. ) The representative immediately became combative and unprofessional, stating things like "oh, I'm matching your energy, you must not want to pay your debt, you're asking questions because you don't want to pay" then the representative hung up on me immediately after telling me I didn't want to pay. I found this to be exceptionally horrible customer service and I still don't even know what options were available if any, and didn't get to say anything about the actual debt. The practices of this company are ILLEGAL and should be thoroughly investigated. The representative I spoke with, should be immediately terminated. I can't think of one job in America that allows the rep (who contacted you) to hang up on customers. I am appalled.

  

  Business response

  07/23/2024

  Atlantic Recovery Solutions (ARS) has reviewed the allegations and performed a thorough investigation into them. ARS received the account in our office on June 28. 2024 and began attempts to contact the consumer. Contrary to the statement within the complaint ARS, as a third-party collection agency, is permitted by the Fair Debt Collections Practice Act (FDCPA) to contact third parties for location information on the consumer prior to making contact. In fact, an agency cannot contact the third-party after we have contacted the consumer because we have already confirmed contact and have no reason to call the third party. A review of the calls show that the consumer continued to try and state that those calls were illegal and when the agent tried to steer the conversation back to the debt the consumer just continued about the other calls. ARS committed no violation in these attempts and would have been in violation if done after contact. Be that as it may, ARS has placed a cease and desist on the account and will make no further attempt to contact the consumer.

  Customer response

  07/24/2024

  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. In their statement they stated that they received my account on June 28th and proceeded to attempt to contact me at that time. That is absolutely false. When I was on the call, before bringing up the third-party contact, I first asked the Rep, "Is this your first time trying to contact me?"and I received an affirmative "Yes." It was only at that time, that I advised them that they are violating my rights by not attempting to contact me first. Their first time attempting to contact me was on 7/10/2024, as stated in my original complaint. I would like to see any evidence ARS can provide that they contacted me on 6/28/24 or any day before 7/10/2024. Furthermore, the Fair Debt Collection Practices Act (FDCPA) only permits debt collectors to contact third parties for LOCATION INFORMATION. ARS already had my location information and opted not to use it, which is noted by the fact they contacted me 120 seconds after hanging up with my parent. Which means that they have violated the FDCPA. In their reply, they state that they would have had no reason to contact the third-party if they had my information is my EXACT point. ARS did not receive any location information about me from contacting my parent - They ALREADY HAD the information.  In fact, I was told by the rep on the call "We received your account and had a lot of numbers so we just started calling." Which is a violation of my rights. I did not discuss the debt with ARS because they have not proven to be a reputable business by not ATTEMPTING to contact me before contacting a third party. I eagerly await the evidence to show they made calls to me before 7/10/2024. They are also granted my express permission to include a copy of the phone call recording to verify everything I have stated.  Regards, ******* ******

  

  Business response

  07/25/2024

  The point of contact on July 10th is not in question. As confirmed by the agent that was the first contact. However, that was not the first attempt. Again, there was no violation of the FDCPA. A collection agency is permitted to call third parties for location information until we have confirmed contact with the consumer. There is no knowledge that any other number is still a good number until the point we make contact on confirm with the consumer. The number may have been changed, the consumer may have moved, etc. Until that consumer answers, we don't know that it is the number for them. Again, there are no violations regarding this account and ARS has placed the account in cease and desist. The consumer will have no further contact from ARS.

• Initial Complaint

  07/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Company keeps calling me weekly multiple times a day harassing me. Won't give me any information about why they are calling me and when asked for who they are and what they want they hang up on me. They have now started calling my parents trying to get information about me and then also hangs up on them. I want to be left alone before I press charges for harassment. Absolutely disgrace of a debt collection company.

  

  Business response

  07/03/2024

  Atlantic Recovery Solutions (ARS) has reviewed the allegations and performed a thorough investigation. First and foremost, the consumer is stating she has been receiving repeated contacts for several weeks. ARS received the account from our client on July 1 and the first and only attempt was made on July 2. This resulted in a message left with no direct contact with anyone. If the consumer has been receiving these repeated calls and hang ups they are not, nor could they have been from ARS. We have closed the account within our office and returned it to our client.

   

  Customer response

  07/03/2024

  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

  06/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Well my mother is a 76 year female so she had to get her septic tank fixed by ****** plus. She went through financing and when they quoted her they quoted her only for 9,450. She is paying that back through ********** ****** *****. They came back out and they saw something else but figured that it needed more work done and said we need more money but decided against it and said they would leave it with what my mother was already paying with ********** ****** *****. All of sudden we started getting a bill from ******* and we never even signed a new loan for an extra 10,910 and now they say we owe ******* and now all of sudden they sent my mom over to ARS and they have been calling and harassing her and threatening her about taking her to jail and sending a judgment on her and his name from ARS is Sean M****** and he is threatening me now and I told him now what you will not do is threaten me because I will call the police and get my attorney and they can't even give you correct information about nothing and I am starting back from the top. I received a phone call today from Sean stating that they are moving my mothers file from his desk and she might receive a judgment and I told him now look they will need to give me some more information and or here from my attorney.. So I am asking what should I do with these crazy people.

  

  Business response

  06/28/2024

  Atlantic Recovery Solutions (ARS) has reviewed the above complaint and performed a thorough investigation into the allegations within. First and foremost, ARS has no affiliation with *******. ******* sold this account as a delinquent debt to our client, who in turn placed the account with ARS for collection purposes. A review of the recordings shows that from the initial contact it was explained that while they may have not used the ******* financing, it was still paid to the servicer. The consumer needs to get with the servicer in order to initiate a refund to *******. This cannot be initiated by ARS, our client *** **********, or even *******, as the money was issued to the servicer and needs to be returned through the servicer. We have informed our client and placed the account on hold.

  Regarding the allegations of the threats, a review of the recordings shows that at no time was a threat of going to jail made. The agent makes it perfectly clear on the final call that ARS will do nothing but return the account to our client and when asked what they will do, explains that up to them, ARS has no involvement in that.

  As stated prior the account is on hold and no collection activity will take place.

• Initial Complaint

  06/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 6/12/2024 Atlantic Recovery Solutions, LLC reached out regarding a debt unknown to me that they have with their business. I would prefer to deal directly with whoever the initial creditor is. A voice message was left stating “I was a person of interest and that their client would be force to take action to the full extend of the law”. Shortly after receiving this message I received calls from relatives stating that Dorian from ARS called them stated I was going to be sued if I did not get in touch with him immediately. This particular phone call was recorded. I called Dorian back and received no answer. Dorian called back at 5:19pm and without verifying my identity immediately began to discuss the debt held by the office. I informed Dorian that I was recording the call and would first like to request a validation of debt as I could not confirm or deny the debt. I also then asked that a cease and desist be made on all phone numbers associated with the account. Dorian began to tell me that I was just stalling by asking for a validation of debt (my right) and would not agree to send one. I then felt harassed on the phone as Dorian repeatedly asked for me to confirm the debt when I already stated multiple times that I could not without validation. He proceeded to ask if this is how I handle all my bills and became very aggressive. I asked to speak to his supervisor so that I could make them aware of his actions and play the recordings to them as harassment is not legal. Dorian stated a cease and decease would be attached to the file and ended the call. I will be looking into this further to determine if fair credit laws were violated. I ask that they preserve all recordings dealing with this account and verify that a cease and decease was placed on the account with the account being turned back over to the original creditor or closed with their office.

  

  Business response

  06/28/2024

  Atlantic Recovery Solutions (ARS) has reviewed this complaint and conducted a thorough investigation into them. ARS apologizes for any improper communications held with the consumer. We have requested the documentation the consumer has requested and will forward when we receive it. We have addressed the employee in question and the consumer will receive no further communication regarding the collection of this account. 

• Initial Complaint

  06/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Harassing phone calls to me and family members. When I called in to settle the debt they used abusive and threatening language and released details of the debt to my family members in direct violation of California's debt collection laws

  

  Business response

  06/12/2024

  Atlantic Recovery Solutions (ARS) has received this complaint and investigated the allegations within. The consumer called ARS on June 12 and as soon as the agent answered became verbally abusive, using foul and demeaning language and stated that ARS broke the law by calling her father. The consumer said that in California you cannot call a relative.  Due to the foule language the agent disconnected the call. The consumer called back four more times, again being abusive every time to which the agent would state they are disconnecting the call due to her language. Multiple time during these calls she claims it is against California law to call her father. In truth, both the Fair Debt Collections Practices Act (FDCPA) and the Rosenthal Fair Debt Collections Practices Act (California) provide for debt collectors to contact third parties for location information for the individual we are attempting to contact. Per the review of the recordings no disclosure took place and was confirmed by the consumer when she stated she didn't know what this was about. The information provided on the account was a different address (located in Memphis, TN) and email address (***** versus *******). Due to the fact ARS did not have current location information for the consumer, both Federal and CA state law provides the right for ARS to speak with third parties to gain that location information. Regarding the claim that ARS collectors used abusive and threatening language, the recordings prove just the opposite. ARS collectors continually disconnected these calls due to the consumers abusive and vulgar language. 

  ARS' investigation shows no violations occurred on this account and is closing the account within our office and returning it to our client. 

• Initial Complaint

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Atlantic Recovery System is calling my parents personal cell phone number threatening them that I am facing federal criminal charges for an revenue issue that is past due or bascically a bill collection. This is illegal!

  

  Business response

  06/12/2024

  Atlantic Recovery Solutions (ARS) has reviewed the allegations within this complaint and conducted a full review into those. A review of the call recordings show that while the collector did not state anyone was facing federal charges for a revenue issue, the collector did state that the account was under review. While not actually disclosing the account itself, making the statement the collector made is against company policy. The employee in question and been provide the appropriate disciplinary action in accordance with ARS' corrective action policy. The consumer will receive no further calls from ARS.

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Atlantic Recovery Solutions continued to contact me after I requested them not to, utilizing scare tactics and harassing voicemails impersonating lawyers and requesting that I have my legal representative contact them. The company also has unauthorized inquiries on my credit report. I’m a victim of identity theft, have credit freezes with all three credit bureaus and fraud alerts posted. I’ve filed police reports and now have to deal with this credit collection company harassment. Not just recently, a recurrence from 2018, outside the statute of limitations for collection for accounts I have police reports for. I’ve attached proof the company has made inquiries to my credit, even after ********** has removed these fraudulent accounts.

  

  Business response

  05/01/2024

  Atlantic Recovery Solutions (ARS) has reviewed the complaint and investigated the allegations within. First and foremost, the account ARS has been attempting to contact the consumer on is a different account than the one she filed a complaint against 6 years prior. Regulation F allows a collector to pursue separate accounts from the same consumer individually. In this complaint, the consumer’s complaint that ARS is “impersonating lawyers and legal counsel” is absolutely fictitious. The statement that ARS has “continuing to illegally and without my consent access my credit report which is frozen” is also untrue“. While the Fair Credit Reporting Act (FCRA) provides for a collection agency to access credit reports for the use of collecting a debt, the simple fact is that ARS has not accessed a credit report on this consumer. To that same fact, ARS would have no knowledge that the credit report was frozen or that the consumer was a victim of identity theft because (1) ARS has not accessed her credit report, and (2) ARS has no direct contact with the consumer in order to be told of that situation. A review of the account from 2018 and the corresponding CFPB complaint (******-*******) show that at no point was it ever brought to ARS’ attention that the consumer was a victim of identity theft or that there were multiple fraud alerts. Per the consumer’s request, ARS has closed the account within our office and returning it to our client. 

  In addition to the above response for this complaint filed with the CFPB. This is the first mention of there being a police report covering the identity theft. If the consumer would have provided that information with the corresponding documents to the current owner of the debt (who owned both this account and the aforementioned account from 2018), the accounts would have never been placed with a collection agency.

  Customer response

  05/02/2024

  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’ve attached my ********** Inquiry report showing Atlantic Recovery Solutions making unauthorized inquiries to credit cards that are not on my credit report that I have credit freeze and fraud alerts issued. I’ve also attached my voicemail transcript showing Atlantic Recovery Solutions continuing to leave me harassing messages. Atlantic Recovery Solutions cannot deny this evidence, I’m a victim and continue to be a victim since 2018 of identity theft and harassment. Regards, ******** *******

  

  Business response

  05/03/2024

  As stated in our prior response, ARS has committed no violation in regard to this account. The account has been closed in our office and returned to our client.

• Initial Complaint

  04/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  So the company has been harassing random people I do NOT associate with telling them I owe them money, have a debt with them, a fraudulent amount, that my payments defaulted and for them to contact them or have me call them. This includes people I have PPOs against and other legal issues where now I have to reach out to the courts! Federal laws state NO company can discuss anything personal as well as harass people. They called my phone at least 10-12 times daily! People I haven’t spoke to in 15 years are calling me and sending recordings of this guy Patrick leaving messages with my personal information.

  

  Business response

  04/18/2024

  Atlantic Recovery Solutions (ARS) has reviewed this complaint and investigated the allegations within. Contrary to the consumer's statement, collection agencies are allowed to reach out to third parties (Fair Debt Collection Practices Act § 804) in order to locate the consume we are attempting to contact, A review of the call recordings shows these attempts were made, with no disclosure of the debt. As for 10 to 15 calls per day, our system prohibits high volume attempts to a single number. While we understand that the consumer may not have a relationship with some of the third parties we reached out to, we gain this information from a site that gathers public information, and any know relatives or acquaintances we have no way of knowing if there is an issue with that relationship. That said, ARS has placed a cease-and-desist status on the consumer's account and she will receive no further contact from our office.

• Initial Complaint

  04/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company called ARS, called my father this morning leaving a voicemail, stating they received something urgent and that, I, needed to call with a statement of intent. The agents names is Carrie T****. This is a complete violation of my privacy and violates the Fair Debt Collections practices Act. I have not been given any information regarding any debt from this company. I have no phone calls or voicemail from this company. I have received no mail or any form of correspondence from this company. I've had the same phone number for over 10 years, and my current address is correct. I live in pensacola FL and my parent lives in tennessee. So why are they calling my parent that has nothing to do with any debts I may owe. They have never cosigned on anything. Why am I not being contacted if I owe a debt? This phone call happened today, 11 April 2024 at 835am to my father's phone. I want all phone calls to my parents to stop. If I need to be reached, any company or Collections company should have all my contact information.

  

  Business response

  04/23/2024

  Atlantic Recovery Solutions (ARS) apologizes for any misunderstanding, however the number that came over (area code 901) was listed as a home number as well as an area code 850 number. All numbers on the account have been placed in a cease status. No number associated with this account will be called by ARS.

  Customer response

  04/24/2024

  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,
  ******* ****
  
  
  
  
  

*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. ↩