They originally contacted me last summer about a debt owed to Citibank. I did owe Citibank, but had been working with them on a payment plan. ARS called me to inform that Citibank had bounced the debt to them and I now owed them $4000 more than what I owed Citibank.
After being verbally abused, physically threatened and terrorized, I wrote a cease and desist letter to their company and asked that all further correspondance be conducted by mail. They did not send me anything in the mail for a full year.
I received yet another call when the new year began and agreed to make payments to this company in the amount of $1500 a month for 4 months, with an initial $500 down payment. Things went according to plan for 2 months and then an emergency arose and I was not able to provide the funds in my checking account for their payment to be deducted. I called and explained all of this and rearranged the rest of my payment dates.
Come December, when I was due to make my last payment at $750, they took the post dated payment out 3 days early, causing me to rack up $860 in overdraft fees from my bank. Devasted, I called ARS to see what had happened, and Christopher Ruiz threatened me, used vulgar and disgusting language and hung the phone up, refusing to allow me to speak with his supervisor.
I called the company this morning to see about getting a release letter so they could not sell the rest of my debt to another collection agency, and Chris Ruiz hung up the phone again. I called back and asked to speak with a different representative and he hung up again. Then, he got someone from within his company to call me repeatedly (12 times in a row, to be exact) and call me a "bitch" and tell me they could come to my house because they have my address.
Because of ARS, I now owe $860 to my bank in overdraft fees. They refuse to work with me on this and they refuse to accept any blame for processing a post dated payment early. The last supervisor I spoke with informed that he would NOT send a letter declaring the debt settled and paid.
I have contacted the attorney general in my state regarding this matter and don't know who else to contact in the hopes of getting the $860 that ARS cost me, nor the $750 payment they basically stole by processing it earlier than agreed upon.
These people are not only rude and vulgar, they use criminalistic and terroristic tactics to frighten people. When they saw that their tactics were not working with me and that I was fully aware of the Fair Debt Collections Act, they simply refused to speak with me, after I had just paid them $6000.
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