Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, CA. XXXX XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Federal Trade Commission and XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX, XXXX, File # : XXXX FROM : XXXX XXXX XXXX, Consumer RE : CASE NUMBERS BELOW WITH CFPB Case Number Company XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX ASSET RECOVERY SOLUTIONS , LLC XXXX Summary Chronology of My Complaint Against Asset Recovery, XXXX XXXX   XX/XX/XXXX, my husband passed. 
XX/XX/XXXX, my account with XXXX XXXX/XXXX XXXX became delinquent, I engaged an attorney to file bankruptcy, XX/XX/XXXX, I changed my mind and decided to handle the delinquent credit on my own, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, SOLD my account to Asset RecoveryXXXX XXXX, XX/XX/XXXX, I negotiated verbally with, XXXX, Ext XXXX, Asset Recovery, XXXX XXXX, ( 2 Names, Same Company ), to pay {$250.00}. per month toward {$22000.00}, until the balance was paid off. ASSET RECOVERYXXXX XXXX, 2 NAMES, SAME COMPANY, deducted {$250.00}. every month from my XXXX XXXX XXXX account, beginning XX/XX/XXXX. I made the first payment by check XX/XX/XXXX, for {$250.00}. ( I have sent you those records ). Asset Recovery, XXXX XXXX, 2 names, same company has deducted payments of {$250.00}. for 52 months, 4 years and 4 months to date, totaling {$13000.00}. toward. {$22000.00}. My balance with Asset RecoveryXXXX XXXX, should be {$9100.00}, but they have indicated a balance of {$19000.00} I did not know the following law : California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 
Consumer Debt in California Debt Collection, Settlement, Regulations XXXX XXXX XXXXXXXX I would not complain except, Asset RecoveryXXXX XXXX , 2 names, same company, has not given me credit for all of the payments I have made, which total, {$13000.00}, and they have CHANGED the amount I agreed to pay with their representative, XXXX, from {$22000.00} to a higher amount of {$26000.00} with interest, climbing at one time to {$26000.00} with interest. They have also CHANGED their reporting to the 3 Credit Agencies by dropping their name of Asset Recovery and the beginning date of XX/XX/XXXX for this account, with all of the consistent monthly payments I have made, and they began reporting XX/XX/XXXX under the name of XXXX  XXXX   ONLY, with a new beginning date of XX/XX/XXXX for the charge off as if this is a new account. It is not. My account with Asset Recovery, XXXX XXXX,  began in XX/XX/XXXX, under Asset Recovery and it continues to date. They, Asset Recovery, XXXX XXXX, 2 names, same company, continue to deduct {$250.00}. from my bank account to date, 4 years and 4 months, beginning XX/XX/XXXX to date for the same one account.

Company response to consumer: Closed with explanation