Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
No reference to account delinquency was communicated until XX/XX/XXXX, five months after the XX/XX/XXXX letters closed my business credit card. Branch manager XXXX claimed having no knowledge of XX/XX/XXXX, XXXX letters, or of the business card premature closure about XX/XX/XXXX, counter to XX/XX/XXXX, XXXX letter stating all accounts were to remain open until XX/XX/XXXX. 
My business credit card was given covid waiver by XXXX or XXXX in XXXX during the months leading up to XXXX 's XX/XX/XXXX letters. 
XXXX falsely claims delinquency for closing all accounts on XX/XX/XXXX, XXXX months prior in XX/XX/XXXX 's collection letter. 
XXXX asked repeatedly, to no avail, for a business relationship banker to replace XXXX XXXX after he left XXXX on XX/XX/XXXX. Being without a dedicated business relationship banker for over XXXX months, XXXX was not equitably represented in financial matters by branch XXXX XXXX. 
Lacking just cause to close XXXX 's accounts, from branch manager gaslighting XXXX, while XXXX 's customer, from his experiences with the branch, XXXX 's accounts were closed due to the branch and it's manager holding commonly shared, rumored perceptions of XXXX as vulnerable from his spouse 's separation on XX/XX/XXXX and passing on XX/XX/XXXX, conveyed by XXXX 's business relationship XXXX XXXX to other XXXX XXXX, from XXXX 's supervisor paying for all XXXX lunches with XXXX. 
Given XXXX 's knowledge of XXXX 's business resources, coupled to XXXX 's disclosure of personal anecdotes shared by XXXX over lunches of XXXX 's spouse passing, allowed the branch manager to fabricate a false pretextual narrative for closing XXXX 's accounts to unlawfully force an early repayment of XXXX XXXX business credit card balance. 
XXXX XXXX is not personally responsible for a business credit card balance, which is in the name of a sole proprietorship dba, XXXX XXXX. XXXX XXXX XXXX, in representing XXXX as a financial institution, told me that I " did not have to repay the business credit card debt '' and, further, that I could not be held liable for XXXX 's business credit card. 
XXXX 's interactions with me, comprised a bait and switch scam strategy to gain my personal information. XXXX 's leveraging my personal information was not an isolated bait and switch operation, but one in a so-harmed class, as XXXX was fined billions of dollars for customer information breaches shared by bank personnel on whatsap, explaining my gaslighting and my counterclaim for damages against hsbc. 
By XXXX 's privacy breach of XXXX 's personal information, XXXX committed acts of discrimination against XXXX XXXX XXXXXXXX protected bases, of being elder, widowed marital status, fixed, low income, XXXX XXXX XXXX and social class status, in violation of the Equal Credit Opportunity Act. 
XXXX urged branch manager XXXX in email to maintain the level of XXXX 's fusion account interest XXXX that was stepped down to cover XXXX losses from XX/XX/XXXX 's repo crisis. XXXX 's assertion is that XXXX 's closing all of XXXX 's accounts was a deliberate, retributive act by branch manager XXXX to gaslight, defame and defraud XXXX. 
XXXX remained silent on XXXX 's factual depictions, assertions, choosing not to address XXXX 's concerns of the lead-up to account closing, rather, hsbc XXXX XX/XX/XXXX 's letters to enure and encumber XXXX with XXXX debt. 
XXXX 's concerns asks that an internal investigation be undertaken by XXXX of all of XXXX 's concerns. 
By closing my business credit card, XXXX made my credit card balance burdensome causing me extreme hardship, loss, and harm to my sole proprietorship, under which XXXX opened my business XXXX XXXX credit card. XXXX failed as a financial institution to protect my financial health and interest.

Company response to consumer: Closed with explanation