Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
This is a NEW Complaint Submitted ONLY to Attach Evidence Please Link to Original Complaint ID : XXXX ( Advanced Recovery Group ) To the Consumer Financial Protection Bureau XXXX This complaint is being submitted solely because the original CFPB portal for Complaint ID XXXX would not allow any attachments or additional documentation. 

I am requesting that this new complaint be merged, linked, or attached to my original complaint as a Retaliation Addendum, because the company immediately escalated harassment, threats, and intimidation after being notified of my feedback.

The conduct documented below occurred AFTER my original complaint and is retaliatory, abusive, and unlawful.

All supporting screenshots and evidence are attached here.

0. CRITICAL TIMING DIRECT RETALIATION AFTER CFPB FEEDBACK At XXXXXXXX XXXX I submitted feedback to the CFPB regarding the companys prior response to my complaint. 

At XXXXXXXX XXXX  less than four hours later Advanced Recovery Group immediately began retaliating by : calling me repeatedly calling from multiple numbers sending harassing text messages emailing threats demanding bank statements making false legal claims stating FDCPA does not apply stating complaints arent doing anything escalating intimidation This timing is intentional and shows clear retaliatory motive. 
The harassment did not begin until AFTER the company received CFPB notification. 

This is textbook retaliation against a consumer exercising her rights. 

1. HARASSING, BACK-TO-BACK CALLS Starting at XXXXXXXX XXXX I received repeated calls from : ( XXXX ) XXXX ( XXXX ) XXXX Screenshots of call logs are attached. 

Calls came in back-to-back at : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  again When I told the representative not to call and to email instead, he responded : Were gon na keep calling. 

This is harassment and abuse, especially following a CFPB complaint. 

2. THREATENING AND COERCIVE TEXT MESSAGES The company sent multiple text messages including : Hanging up on us will not pay this account off. 
The judgment will remain active. 
The UCC lien will remain active. 
FDCPA does not apply. 
Complaints are not doing anything. 

These statements are : threatening deceptive designed to intimidate meant to discourage me from seeking federal help coercive in nature The message complaints are not doing anything is a direct attempt to undermine CFPB authority. 

3. FALSE STATEMENTS ABOUT FEDERAL LAW The representative repeatedly stated : FDCPA rules do not apply.

This is a false, misleading, and deceptive claim.

Even if they believe the debt is commercial, they can not lie or make abusive, harassing, or deceptive statements to a consumer.

This is a clear FDCPA and UDAAP violation.

4. DEMANDS FOR PRIVATE BANK STATEMENTS The company demanded : bank statements for XXXX, XXXX, and XXXX payment plans daily/weekly schedule of personal finances This is coercive, abusive, and outside the scope of lawful collection activity. 

Collectors have no right to demand my personal banking history 5. THREATENING EMAILS FROM XXXX XXXX Emails included threats such as : Avoid litigation Judgment will remain active XXXX lien will remain active Hanging up on us will not pay this off You are avoiding paying this This language is harassing, abusive, and retaliatory. 

The timing of the emails again, immediately after CFPB notification clearly shows intent to intimidate. 

6. ATTEMPT TO UNDERMINE CFPB AUTHORITY Statements like : Complaints are not doing anything. 

are deeply concerning and show deliberate intent to : intimidate me minimize the authority of the CFPB pressure me into communication discourage participation in regulatory processes This is unacceptable and warrants enforcement action.

Company response to consumer: Closed with explanation