Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: TN

Complaint narrative:
I received a call from Atlantic Recovery Solutions I believe on XXXX. I set up a one time down payment of {$200.00} to pull out on XXXX. On that day, it pulled out without issue. I was notified that my hours would be adjusted at work and I looked at the frequency in which the other scheduled payments were to process and knew there could be conflict. I went to my email and read the promise to pay letter which included my payment arrangement and I read at the bottom of the page. A portion of it states, In order to modify or cancel a payment that you have placed on file with our company, you must contact us 24 hours prior to the day that the payment is scheduled to run. So knowing I was well in advance of the next processed payment, I decided to call because sometimes i forget. I called and spoke to a supervisor named XXXX. I initially told him that I just wanted to change the frequency of the payments, not the amount, only the frequency from every two weeks to once a month. He said No, that cant be done. I told him of what the email that was sent, told me. It said I could modify or cancel a payment. I understand if because I accepted a new payment arrangement that the one I accepted couldnt be modified, i understand a new one would need to be made. That makes sense but to tell me that I have to pay regardless and no matter what, seemed off to me. His tonality changed and he was very argumentative and short with me, which isnt a crime, i understand but he was not very helpful at all. He then attempted to shame me by saying I didnt pay back my vacation but wanted to change or modify my payments. He referenced my use of a XXXX XXXX XXXX in a demeaning way as if it was wrong to have one. I didnt use that card to pay this bill. He would not allow me to change or modify my future payments and that was wrong. I just wanted the frequency to change, not the amounts. So after he or I hung up, I called back and I got the same XXXX He told me that he would prompt all of my calls to go directly to him and that I couldnt speak to anyone else about my account. I didnt think that was fair at all. But nonetheless I continued to ask him to change the frequency of payment. He would not. I even attempted to add a new payment method, he would say that my card was invalid which I had just used prior for another bill. I was devastated. I then got seriously irate and called him a name. I apologize for that. But he was being very rude prior to me saying anything out of the way. I dont want anyone to lose their job over this, I just want to pay my balance down when Im able. I dont want it to NSF and then I get charged by my bank and Atlantic recovery gets no money. It wouldnt help anyone and I was trying to avoid that. I have a right to cancel or modify any payment if its done in time and he is trying to take that right away from me. I dont appreciate it at all! After I told him what I thought about him, I said I wasnt going to pay any else, that I could file for bankruptcy, could close my account, etc. I said a bunch of things out of anger and frustration. I dont want to do any of those things, only change my payments from bi weekly to once a month. Same amount. Thats it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation