Asset Recovery Solutions, LLC

Recently I seen that this company has been harassing me about a debt that cannot be validated I've sent numerous letters to this collection to validate the account that they insist that I owe, which they have yet to do soHowever, I am allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third partiesI do not recall giving permission to Carolina Healthcare System for them to release my medical information to this third partyI am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient’s authorizationTherefore my request is twofold validation of debt and HIPAA authorizationThey have been in violation of the FDCPA because they have deceived me after numerous of written request

Initial Business Response /* (1000, 5, 2014/11/05) */
Thank you for providing me the opportunity to respond to the above consumer complaint
Please be advised that the account was placed with our office on July 21st, with a judgment from We have not added any fees to your
account since the account has been placed with usYou currently have an interest rate of 12% on the above referenced account, which accounts for the increase in your balance over the past four years of non-paymentWe are certainly willing to work with you given your current financial situation, please feel free to contact me at toll free at X-XXX-XXX-XXXX Ext *** if you would like to resolve the account
*** ***
Thank You

I entered a review about sooner asset recovery earlier before checking out the background I am sorry for the negative effects

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: (*** *** 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

Good morning. At the request of the consumer, an account statement was sent out today. Thank you

First off let me state that I am very lucky to have near perfect credit, a score of 780-for the past years Asset Recovery Solutions recently started leaving messages day and night stating that they have pending litigation and are going to serve me at my place of work I finally called them back recently to verify the debt they are attempting to collect I knew pretty quickly - that this was not a valid debt But I also know that the only way to get them to stop was to send them a letterI asked repeatedly for their information and address, she kept citing the name of the Bank, not the collection agency and along with not letting me ask a single question, just kept saying we are serving you at your work, what would your employer think of this? She knew my place of work, my home address, my husbands place of work, etc She continued with more annoying scripted attempts at rattling me I asked for the date the account defaulted, she said Feb 22, For starters I was in grade school and secondly, I'm pretty sure they can't sue anyone years after the last payment The rep gave me a file number after I insisted, and an address, but not until I insisted repeatedly I will now send a letter asking htem to stop and will be checking my credit reports

Good morning, Thank you for providing an opportunity to respond to the consumers complaintAt the request of the consumer, we have discontinued all collection efforts on this matter pending resolutionWe have notified our client of the concerns raised by the consumerAt our clients request, we
have suspended all collection activity on this account

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with *** *** Bank, nor do I have any prior knowledge of said accountThis is not my account and is a company error in reportingI have already disputed addresses in other states that have shown on my credit reportI have never lived in PennsylvaniaI live in Arizona.I have not been contacted by ARS In compliance with *** ***, and enacting regulations published at Fed Reg *** (July 1, 2009), this notice includes,
Identification of the specific information being disputed: *** *** *** *** reporting for Partial Acct # *** for $837.42.Acct with ARS *** 
Basis for the dispute: Date of last activity on *** *** *** *** *** *** *** *** not availablePayment history on *** is unknownRemarks on *** state charged off account, *** states unpaid balance

A representative from Asset Recovery Solutions, *** *** contacted my company's main operator and has been calling two to three times a day on my work phone and work cell phone I would also like a letter detailing how much I owe and a detailed amount of what is owed in writing sent to my home addressThey have my personal cellphone number and addressI cannot accept calls from them at work

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 *** however the one voicemail they left had number as ***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

I previously filed a complaint with you because they haven't sent me a statement showing how much I owe them and I pay them $per month in paymentsAfter the previous complaint, they agreed to send me monthly statements by the 15th of each monthThe last monthly statement that I received was Feb16,

Thank you for providing me with the opportunity to respond to the above complaint. After thorough review of this matter we have determined that we did contact the consumer, however, at no time was the consumer threatened with lawsuits or harassed by any employee of our organization. At the
consumers request we have discontinued calls to her phone number.I sincerely hope that this will resolve the above matter. Thank you

I am currently paying this creditor $monthly for a Student Loan that was picked up by the Asset Recovery, which they bought or has taken over from *** Student LoansSince I choose to make my payments overt the phone instead of automatic draft from my bank account, the creditor is telling me they refuse to send me copies of my receipts via mail or emailThere is no way for me to legally prove that I am making payments if I am unable to retrieve a receipt from the creditorWhen I ask why to the manager ***rt, he then replied that it is the company's policy that they don't have to send me a receipt* *** is my account representative and she is now sending all of my phone calls to *** instead of communicating with meWhen I asked to speak with ***rt the other day she said he was unavailable and I requested that they send me a copy of their policy so that I may locate what they are saying that they cant send me a receipt***rt has now failed to communicate at all and n

Thank you for providing an opportunity for us to research and respond to the consumer complaint.We have researched the accounts and Ms*** has a total of outstanding loans that have a principle balance of $150,that have interest rates ranging from as high as 12% to as low as 5.5%
The loans have been charged-off since July of and some loans were taken out as early as Unfortunately failure to make payments on the accounts has caused the interest balances to continue to growOur client has authorized us to offer Ms*** a very favorable discount to resolve the accountIf Ms*** is able to make a one time payment of $30,we can settle all loans. If we can be of any further assistance, please do not hesitate to contact our office at *** and ask for Mr***. Thank you

Initial Business Response /* (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

They started calling my work about a debt I was not happy but I called them back They advised me about a outstanding credit card balanceOffered me to pay lump sum or monthly payments to resolve I went ahead and chose to resolve it via paymentsI had questions about impact on my credit etc The gentleman answered all my questions Unlike the reviews I read, agent on the line was not rude, was not unprofessional If you owe money you have to pay it back guys Its life Thankfully I can afford to pay it back But I read the reviews about these guys and was ready for a tangle, turned out very professional and kindMy cents

In violation of Fair Debt Collection practicesCalls and harasses me at work although I’ve said I cannot take calls at workNever received anything in writing from these people, just began calling my office and harassing my co-workers and myself

Initial Business Response /* (1000, 7, 2014/04/17) */
Good afternoon,
Thank you for providing an opportunity to respond to the above concern
At the consumers request we have ceased all collection activity with her on her accountOn March 27, we notified our client, SLM, of the
consumers concerns
On March 29, our client forwarded to the consumer a confirmation letter that demonstrated that Asset Recovery Solutions, LLC is working on their behalf to collect the delinquent financial obligation
We have continued to keep the account in an inactive status and look forward to hearing back from the consumer if she desires to work with us to resolve this matter
All payments remitted by the consumer have been forwarded to SLM and have been applied to the consumers balance
Please let me know if there is anything that we can do to further resolve this matter
Thank you
Initial Consumer Rebuttal /* (3000, 9, 2014/04/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never received any letter from "SLM" nor do I know anything about that companyPlease have them resendThank you
Final Business Response /* (4000, 11, 2014/04/23) */
sorry for the confusionSLM is *** ***I will ask then to resend the document for your review

These people are rude and belligerent when calling youI had sent a request of debt letterWhen I told the repCould send it to my po box, he insisted on emailing itHe talked over me lied about datesIt was concerning that he also knew I was currently on travel (not sure how) if it is my debt then I'm willing to address it but not with rude individualsThey can contact me by post mail with that attitudeI guess he thought if he talked fast enough I would miss what he was sayingI requested him to slow down; that lasted for a few minutes and he was back at it