Asset Recovery Solutions, LLC

Complaint: [redacted] I am rejecting this response because: being so forceful that my coworker called me at home on sick leave is excessive Sincerely, [redacted]

Good Morning, At the request of the consumer, we have closed the above referenced consumer account and have submitted a request to the credit reporting agencies to delete the trade line Thank you for providing an opportunity to resolve this matter

This company has continually harassed myself and my husbandThey call both of our cell phones 24/every day all day from what seem to be a cell phone number of [redacted] however the one voicemail they left had number as [redacted] They state that the are calling about a private loanI have not received any written communication from this company which is required by law when they are saying someone owes a debtI attempted to contact both numbers today and it just kept ringing it doesn't even leave a message like a company if you called outside of business hoursjust rings I think they are a scam or committing fraud

Initial Business Response / [redacted] (1000, 5, 2015/06/26) */ Good afternoon, Thank you for providing my office with an opportunity to respond to the above referenced consumer complaint Based on our review of this matter please note the following: The account in question was placed with my office for collection on May 26, Our initial communication was sent to the consumer on May 27, We have no knowledge of any credit bureau reporting that took place in Additionally, we have not, and do not, make reports to the credit reporting agencies on behalf of our client Our office made several attempts to contact the consumer at a place of employment phone numberAt the consumers request, and to assist in resolving this matter, we have discontinued all attempts to contact the consumer via phone and have placed the account in a cease communication status It is our business practice to notify our client of any regulatory disputes received by our officeA copy of the original complaint, as well as our response, has been forwarded to our client Please let us know if we can do anything further to assist in the resolution of this complaint Thank you

I received two voicemail messages from a person claiming to be named "Marty" from Asset Recovery Solutions at my place of employment (a state agency) in the past two days (called at 10:a.mon 9/28/and at 9:a.mon 9/29/17)To reach my direct extension at work, which is a number intended for business use only, "Marty" called the switchboard of my employer and may have discussed the nature of his call with at least one co-worker"Marty" left a call back number: ( [redacted] extension I have attempted to call this number several times today and my call is not completed as this is not a valid phone numberI have not, to my knowledge, ever been issued any type of written documentation from this debt collector as of the date of this complaintIt is for this reason that I find multiple phone calls placed to my place of employment highly unacceptable and unethical, especially given that the caller provided me with a phone number that does not currently work

Dear Mr [redacted] : I am in receipt of your concern regarding the call you received from Asset Recovery Solutions, LLC concerning your balance on the outstanding receivable from [redacted] Investments for your Lending Club account We take great pride in our ability to help borrowers just like you to resolve these matters, and we must verify we are speaking to the correct party prior to disclosing any informationPer your request we have notified our client of your concerns and have closed the account back to them to handle the matter going forwardIf you have any additional questions or concerns you can certainly reach out to us directly and we can assist youYou can reach me directly at [redacted] EXT *** Thank you for the opportunity to respond

The account for which is being referenced was disputed, settled and deleted with the original creditor, [redacted] Motor CorpI request the same for the collections account for following reasons, as itemized below Asset Recovery Solutions, LLC (The Bureaus Investment Group Portfolio No 15, LLC) is reporting and continuing to collect on a previous debt that has already been disputed, settled and deleted with the original creditor, [redacted] Motor Corp ARS (Asset Recovery SolutionsLLC) additionally directly conflicts with all my supporting documentation, provided herein in their collection efforts, violating numerous codes of the FDCPA as well as the RFDCPA This account was originally disputed with the original creditor/lender; the credit application upon purchase at the dealer was falsely represented as a loan, not an adjustable high APR credit card! The “loan” application was filled out by the salesman and the maxed out credit card then arrived in the mail days later with an app

Initial Business Response / [redacted] (1000, 8, 2015/04/23) */ Good morning, Thank you for providing an opportunity for us to resolve this matter At the request of the consumer, we have deleted his number from our database Please let me know if I can be of any additional assistance in resolving this matter Thank you

Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ Good morning, At the request of the consumer, we will discontinue all calls to the place of employment It is our intent to work with the consumer to resolve this matterIf the consumer would like to contact our office and establish a monthly repayment program, we have several affordable options that we can provide The consumer can contact myself, [redacted] either by phone at XXX-XXX-XXXX or via email at [redacted] @arsllc.com Thank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) We would like all contact through MAIL or by EMAIL that I providedNo phone calls to home or work PLEASEI do appreciate you giving me another person to contact at the location, since the one person you had calling me was over the top crazy and rude

Initial Business Response / [redacted] (1000, 5, 2015/05/12) */ Thank you for contacting our office, per your request we have stopped all calls on your account in reference to your private student loanAdditionally we have reached out to our client and discharge paperwork was received on January 15th 2014, and, per our client, at that time the loan was determined to not be dischargeable in bankruptcy If you have any additional questions or concerns please feel free to contact me directly at XXX-XXX-XXXX or toll free at X-XXX-XXX-XXXX Ext Thank You Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/12) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Good morning, Thank you for providing this opportunity to respond to the consumers complaintAt the consumers request we have discontinued all contact with her spouse and herself on the account in question Thank you

A.R.S sent me three notices around September of last year for three separate accounts I owed from NAVIENTThe letter was mailed to me but the correspondence was addressed to a [redacted] so I sent a letter (certified mail) early October indicating I don't believe these are my accounts and that I do not know a [redacted] In october they sent me three additional letters this time, they were addressed to meI sent another letter later than month again certified receipt informing them I do not believe this is my debt and to please send me proofTo date I have not received any response

Thank you for taking the time to respondPlease note the following: 1) The loan referenced in the disability loan forgiveness finding is not the same account that you were making payment to our office for2) We are under no obligation to refund any money to you3) As a goodwill gesture, we are issuing you a refund in the amount of $650.00, in effort to resolve this matter$represents the amount paid on the account since August 4) As an additional goodwill gesture, my client, is ceasing all future efforts to collect on this matter and are terminating the balance owed5) My client is under no obligation to cease collection or terminate the balance owed on this debt Sincerely, Steven Fishbein, CEO

Initial Business Response / [redacted] (1000, 5, 2014/08/28) */ Good afternoon, Thank you for providing the opportunity to respond to the consumers complaintAt the request of the consumer all calls to her place of employment have been stopped as of the time of this response Thank you

Initial Business Response / [redacted] (1000, 5, 2015/08/27) */ I am in receipt of the consumers correspondence to Asset Recovery Solutions, LLC concerning the [redacted] Classic MasterCard account that was placed with us for collection efforts by The [redacted] Portfolio NoLLC We have reviewed this matter and we will send an additional letter showing the total amount owed on the account to the consumer as well as what we can accept as a reasonable settlement offerI also wanted to make sure that the consumer is aware that on July 9th, an initial letter was mailed If you have any additional questions or concerns you, or the consumer, can certainly reach out to us directly and we can assist youYou can reach me directly at X-XXX-XXX-XXXX EXT [redacted] Thank you for the opportunity to respond

Good morning, Thank you for providing an opportunity to respond to the consumer complaint At the consumers request, we have discontinued all call attempts to her parents phone number We sincerely hope that this will resolve this matter Thank you

Initial Business Response / [redacted] (1000, 8, 2015/01/08) */ Good Afternoon, At the request of the consumer, we have discontinued all collection efforts on the above referenced matter and closed the account on our internal systemIn addition, we have notified the original creditor of the consumers dispute and have forwarded the account back to them for review Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I agree with everything BUT forward the account back to the original creditor for reviewThat won't do anything as it will probably send to another collection agencyThis cycle needs to stop period! Its been paid in full for three years and just keeps getting bounced aroundIt needs to stop!

I was recently contacted by this companyIt was regarding a loan that was taken out in my name by a school that is no longer accredited [redacted] Schools of Beauty, I went to this beauty school thinking I would be able to get an educationAll I received were billsI was mislead about the school and its curriculumI actually found out that they were not teaching past the day mark that was allowed to get a full refund of your money, because they separated the new students and kept telling us we were going to learn things they knew we never wouldTwo different teachers were fired during my enrollment for stealing along with moving staff members around to different locationsThe school was so expensive and they informed me that it was due to all of the services that they would offerLike special hair cutting/coloring classes, submitting my papers early so I could take state board as soon as I left the school, helping me find a job in a salon, etcNone of which were ever actually doneI did not end up going to state board until a year after I "graduated" from the school because they sent the wrong social security numberThis school was just a massive money pitThe whole idea of graduation was a jokeI was told that in order to graduate we would have to complete and turn in two massive work books and due a certain amount of hoursHalf way through the semester they lost my hours and made me start over due to no fault of my own, and as for the workbooks I still have mine they never asked me to turn them in! The school also promised to help give students the upper hand by helping them find jobs once they left the schoolYou would pay all of this tuition money and then they would offer you jobs at retail stores like [redacted] or [redacted] This was a terrible schoolThey forced me to work extreme hours, hour days from opening to closingI was forced to stand all on my feet all day cutting hair on the salon floor making them more money in order to try to accelerate my "education" this was all based on what the teachers saw fit for meAfter doing this over a month, my body could no longer handle thisI had been using coffee to keep myself awake and my organs started shutting downI ended up in the hospital extremely sickI was told at the beginning of the school enrollment that I would be allowed to miss days as long as I had a legitimate doctors note, they then told me that since I was admitted into a hospital I would be missing to many hours on my record and I would have to pay moreThey forced me to take out yet another loan in order to "graduate" and told me I would not be able to proceed without taking out another loanI can not believe what this school has done to me and my lifeI went there expecting to get an education and to start a new careerI was left shocked at how an establishment with so many years of credentials could treat people like thisI honestly believe that the only reason I passed state board was because I took actionAfter finding out that they sent my information incorrectly I enrolled in a crash course that was privately owned a week before I knew I was scheduled to take my examI had to pay even more money but felt it was in my best interest because I knew that I had been gone from the school for so longNot only that but we were all taught things that were counter intuitive because the teacher could not agree on a set curriculum this was due to the constant staff changesI do not cut hair professional at a salon, because I feel underwhelmed in my skillsI know this because I was drastically let down by the school that I attendedMonths after this happened to me the school was shut downI do not understand why this company is reaching out to me and harassing me trying to get me to pay for having to go through such an awful schoolFor the sake of saving time I did not mention the countless other things that my fellow classmates and I had to endureI currently contacted the U.SDepartment of Education and I am now awaiting the status of my claimI honestly do not believe that it is fair how they operated such horrible school, they did it strictly to collectively take millions of dollars from unknowing AmericansI was recently contacted by the Representative from this company, Beverly from Asset Recovery Solutions, LLCIt was awful to get a call that pertained to my past experiences at [redacted] s from this companyI felt this hostility and aggressiveness that was not necessary coming from BeverlyBeing a sensitive subject for me, I responded with and equally aggressive response only to have things escalateI do not believe that debt collectors should be so insensitive to what others have gone throughI informed her of what happened and she still persisted to harass meTrying to explain what happened to this representative took so long that it made me late for my classThis harassment was above and beyondIt was very unnecessary especially due to everything I had been through with the no longer accredited schoolI am waiting for the U.SDepartment of Education to review my claim about the bogus schoolUntil then please refrain from reaching out to me with your rude and disrespectful representativesI should not be harassed over a company that was fraudulent and is no longer accredited due to its own malicious actions

Dear Ms [redacted] : I am in receipt of your concern regarding your outstanding obligation with [redacted] BankWe have notified our client of your concerns and have requested all of the documents on your behalfYour account has been closed with our office and returned to our client If you have any additional questions or concerns you can certainly reach out to us directly and we can assist youYou can reach me directly at [redacted] *** Thank you for the opportunity to respond

Initial Business Response / [redacted] (1000, 5, 2014/01/31) */ Thank you for the opportunity to resolve this matter At the request of the consumer all calls to his place of employment have been ceased effective immediately Thank you Final Consumer Response / [redacted] (2000, 7, 2014/02/03) */ (The consumer indicated he/she ACCEPTED the response from the business.)