Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC
State: IN

Complaint narrative:
This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time the XXXX, XXXX and I have been unable to come up with an agreement on the account. Respectfully, XXXX XXXX, XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX Asset Recover XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with Asset Recovery Solutions and s/w XXXX @ ext XXXX 3- Today, Asset Recovery Solution has done the ultimate collection practices with borderlines extortion,  harassment and intimidation 4- Asset Recovery Solution, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised Asset Recovery Solution that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

Asset Recovery Solutions failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to Asset Recovery Solutions , LLC concerning the XXXX XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.

Company response to consumer: Closed with explanation