Debt collection -- Communication tactics -- Complaint #5284275
Complaint Overview
Complaint ID: 5284275
Company: Asset Recovery Solutions, LLC
Product: Debt collection
Sub-Product: Private student loan debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Washington
ZIP Code: 99354
Date Received: 2022-03-03T12:00:00-05:00
Date Sent to Company: 2022-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called ARS solutions who had the debt. They claimed they called and left voicemail but when I called t mobile to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to ARS where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. ARS really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from ARS about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with ARS solutions at the end of the year but now I'm starting over agian.
Frequently Asked Questions
What is Complaint #5284275 about?
Complaint #5284275 was filed against Asset Recovery Solutions, LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-03-03T12:00:00-05:00.
How did Asset Recovery Solutions, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Asset Recovery Solutions, LLC?
Yes, visit the Asset Recovery Solutions, LLC company profile at readthecomplaint.com/company/asset-recovery-solutions-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.