Complaint #1506336 submitted on 08/06/2015 relating to Atlantic Recovery Solutions LLC. Complaint relates to Debt collection Other (i.e. phone, health club, etc.) - Improper contact or sharing of info Talked to a third party about my debt.
Complaint was submitted via Web and sent to the company on Thursday 6th August 2015.
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.
| Company | Atlantic Recovery Solutions LLC |
| Complaint ID | 1506336 |
| Date Received | 08/06/2015 |
| Product | Debt collection Other (i.e. phone, health club, etc.) |
| Issue | Improper contact or sharing of info Talked to a third party about my debt |
| State/ZIP Code | KY 403XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes complaint represents an opportunity for improvement to better serve consumers |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 08/06/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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