Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Asset Recovery Bureau LLC
State: AZ

Complaint narrative:
Violations Committed : XXXX. Calls Before XXXXXXXX XXXX 
The collector contacted me before XXXXXXXX XXXX local time, specifically on [ XX/XX/XXXX XXXXXXXX XXXX ]. Under 15 U.S.C. 1692c ( a ) ( 1 ), this communication occurred at a time presumed to be inconvenient and is therefore prohibited.

2. Refusal to Provide Mailed Debt Validation When I requested written validation of the alleged debt, the collector refused to provide it by mail. Under 15 U.S.C. 1692g ( b ), collection activity must cease until written verification is mailed to the consumer.

These actions constitute violations of federal law and my consumer rights. I am requesting an investigation and corrective action. 

Reference Number : XXXX Agency name : XXXX XXXX XXXX The morning of Thursday XX/XX/XXXX I received several phone calls early morning before XXXX XXXX  from an unknown number. My mother also received phone calls to her phone number around the same time. The caller eventually left a voicemail stating who they were and left a callback number. I called the number about an hour later and spoke with the caller. Stated they were a debt collector and was friendly initially until I asked for a debt validation letter to be sent to my email address or mailing address. Once I stated that, that is when the call took a turn. XXXX, then proceeded to be sarcastic stating he had sent an email XX/XX/XXXX and I opened it which I did attempt to find but believe to have deleted the email thinking it may have been spam. He than began to take control over the call by coming off in an intimidating demeanor and would not let me speak. While I tried to speak and explain I just wanted something sent over to look over in writing he would continue speaking over me and not allow me to say anything. Stating he has been doing this for XXXX  years and we think just because we as for something in writing we think we dont owe something back and prolong a process and did not want to send me anything and he ended the call telling me to have a good day with again not even letting me try to get a word in. He was rude and probably made certain comments that I missed because while I would talk he would talk over me to not listen to what I was trying to say. I did call back again and spoke to a guy by the name of XXXX and explained to him what had occurred and he he apologized stating that XXXX is a good guy. And although I was able to actually speak with XXXX and XXXX what I tried to with XXXX, after finally receiving the email in the evening, attached was a link to the CFPB website with information that was important to know especially after the unethical behavior from XXXX. Also in this email there was a date listed of XX/XX/XXXX that I had to dispute or request written communication. I was well within my legal right to request the information from XXXX. So for someone who has been doing this for 15 years I expect them to abide by the laws that are set in place. And not use intimidation tactics to get his way. Acting like an emotional child with XXXX control over his emotions. He was setting me up to fail from the moment he wanted to end the call on his terms by being uncooperative and not just forwarding me the email or mail.

Company response to consumer: Closed with explanation