Quick Answer: I can’t tell you whether Absolute Resolutions Investments is legitimate or not — that determination requires you to check the public records yourself, and this guide walks you through exactly how to do that.
Warning: Absolute Resolutions Investments LLC has over 600 complaints in the CFPB database. A significant portion involve consumers reporting accounts they say were never opened in their name. If you don’t recognize the account they’re collecting, dispute it in writing immediately — do not pay first.
Community Note: If you have personal experience with Absolute Resolutions Investments — good or bad — please share it in the comments below. Your firsthand account helps other consumers make informed decisions.
Who Is Absolute Resolutions Investments?
Absolute Resolutions Investments LLC is a debt buyer headquartered in Bloomington, Minnesota, that purchases charged-off consumer accounts — primarily credit cards and personal loans — and collects on them, sometimes also operating as Absolute Resolutions Corporation (ARC).
“An educated consumer is our best customer.”— Sy Syms
Not sure how to handle a collections call or lawsuit? Use my free Find Your Path tool to understand all your options before responding to any debt collector.
Step 1: Check Their Credentials and Legal Compliance
Absolute Resolutions Investments LLC is a debt buyer, not a traditional collection agency. As a debt buyer, they purchase accounts from original creditors for pennies on the dollar and then have the legal right to collect the full balance. They must still comply with the Fair Debt Collection Practices Act (FDCPA).
- Minnesota Secretary of State: Verify their LLC registration at mblsportal.sos.state.mn.us. The company was founded in 2001 and operates as a limited liability company in Minnesota.
- State debt collector licensing: Many states require debt collectors and debt buyers to hold state licenses. Check your state’s financial regulatory agency for Absolute Resolutions Investments’ licensing status if you are being contacted.
- BBB Profile: Absolute Resolutions Investments holds a B+ rating with the BBB and is not BBB Accredited. Their BBB file shows complaints have been filed against them. View the profile at bbb.org.
Absolute Resolutions Investments LLC and Absolute Resolutions Corporation (ARC) are related entities. ARC sometimes serves as a records custodian for accounts ARI pursues. If you receive correspondence from either entity, they are effectively the same operation. Their collection lawsuits are typically filed through Stenger & Stenger, P.C.
The Dogma: “Since a debt buyer purchased the account, you owe them the full amount and must pay it.”
The Reality: A debt buyer has the right to collect what you legally owe, but they still must follow FDCPA rules. You have the right to request validation, verify the amount is correct, and check whether the debt falls within the statute of limitations for your state. Many consumers who don’t recognize the account are legitimate identity theft victims — the CFPB data on this company shows a significant identity theft complaint pattern.
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Step 2: Search the CFPB Complaint Database
The CFPB complaint database is one of the most revealing tools for researching a debt collector. For Absolute Resolutions Investments, the numbers are significant.
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Go to consumerfinance.gov/data-research/consumer-complaints/ and search for both “Absolute Resolutions Investments” and “Absolute Resolutions Corporation.” Read complaint narratives — particularly those tagged “Attempts to collect debt not owed” — to understand documented complaint patterns.
The CFPB database shows over 600 complaints filed against Absolute Resolutions Investments LLC. The most common complaint category is attempts to collect debt not owed, with a notable number of consumers reporting the accounts as identity theft or fraudulent. This pattern matters: it suggests you should verify any account claimed against you before making any payment or acknowledgment.
Step 3: Check Trustpilot and Third-Party Reviews
Debt collectors rarely get favorable reviews because the interaction is inherently adversarial. That said, review patterns can reveal systematic problems.
- Trustpilot: Search trustpilot.com for “Absolute Resolutions” to see consumer reviews and any response patterns from the company.
- Consumer Affairs: Search consumeraffairs.com for Absolute Resolutions Investments reviews.
- SoloSuit: Tracks how debt buyers behave in court and provides tools for responding to lawsuits — relevant given that Stenger & Stenger files collection suits on their behalf.
- BBB complaints: The BBB profile shows more than 50 combined complaints across their two BBB profiles. Review the complaint texts and company responses for patterns at bbb.org.
Step 4: Search for Enforcement History
Absolute Resolutions Investments has been the subject of FDCPA litigation in federal court. Consumer attorneys have filed lawsuits alleging violations including attempting to collect debts not owed, failure to validate debts, and improper credit reporting.
- CFPB enforcement actions: Search consumerfinance.gov/enforcement/actions/ for any formal CFPB actions against Absolute Resolutions.
- FTC enforcement database: Search ftc.gov/enforcement/cases-proceedings for any FTC actions.
- PACER (federal court records): Search pacer.gov for active lawsuits. Cases like Velez v. Absolute Resolutions in the Northern District of Illinois establish FDCPA litigation history against this company.
- State Attorney General: Check your state’s attorney general enforcement database for any state-level actions.
At the time of this writing, I did not find a formal CFPB or FTC enforcement order against Absolute Resolutions Investments. However, the volume of CFPB complaints — particularly those involving identity theft claims — and documented FDCPA litigation in federal court make this a company worth researching carefully before any payment or acknowledgment.
Step 5: Questions to Ask and Rights to Assert
When contacted by Absolute Resolutions Investments, these are the rights you have and the steps to take:
- Request debt validation in writing. Within 30 days of first written contact, send a certified letter demanding they validate the debt — the amount, the original creditor, and proof you owe it. They must stop collection efforts until validation is provided.
- “Can you prove I opened this account?” Given the identity theft complaint pattern in the CFPB data, if you don’t recognize the account, this question in writing is critical.
- Check the statute of limitations. Debt buyers frequently purchase old accounts. If the account is past your state’s statute of limitations for debt collection lawsuits, they cannot win in court. Never acknowledge an old debt without checking — acknowledgment can restart the clock in some states.
- Do not ignore a lawsuit summons. Absolute Resolutions uses Stenger & Stenger, P.C. to file collection lawsuits. Ignoring a summons results in a default judgment. Always respond — even a simple answer denying the claims forces them to prove their case.
- Consult a consumer rights attorney. Many take FDCPA cases on contingency — no upfront cost. If Absolute Resolutions violated the FDCPA in contacting you, you may be entitled to statutory damages.
Key Takeaways
- Absolute Resolutions Investments LLC is a Bloomington, Minnesota debt buyer that has been operating since 2001 under multiple entity names including Absolute Resolutions Corporation.
- The CFPB database shows over 600 complaints, with a significant portion involving consumers reporting accounts as identity theft or fraudulent.
- The BBB shows more than 50 combined complaints across their two profiles.
- FDCPA lawsuits have been filed against the company in federal courts.
- If you don’t recognize the account they claim you owe, dispute it in writing before making any payment — and check whether the debt is within your state’s statute of limitations.
Before signing anything: Run their contract through my free Contract Decoder tool. Paste it in and get a plain-English breakdown of what you’re agreeing to.
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Frequently Asked Questions
What is Absolute Resolutions Investments LLC and why are they contacting me?
Absolute Resolutions Investments LLC is a debt buyer based in Bloomington, Minnesota, that purchases portfolios of charged-off consumer accounts — typically credit cards and personal loans — from original creditors. If they are contacting you, they believe they own a debt you owe. They sometimes operate as Absolute Resolutions Corporation (ARC) and file lawsuits through Stenger & Stenger, P.C.
How many CFPB complaints does Absolute Resolutions Investments have?
Over 600 complaints have been filed against Absolute Resolutions Investments LLC in the CFPB consumer complaint database. The most common complaint type is “attempting to collect debt not owed,” with a notable number of consumers claiming the accounts are the result of identity theft or fraud. You can search the database yourself at consumerfinance.gov.
Can I make Absolute Resolutions Investments stop contacting me?
Yes. Under Section 805(c) of the FDCPA, send a written cease-and-desist request via certified mail. Once received, they may only contact you one more time — to confirm they are stopping or to notify you of a specific action such as filing a lawsuit. Note: sending a cease-and-desist does not make the debt disappear if it is legitimately owed.
What should I do if Absolute Resolutions Investments files a lawsuit against me?
Do not ignore the summons. File an answer — even a simple denial — within the deadline specified (usually 20–30 days depending on your state). Failure to respond results in a default judgment. Consider consulting a consumer rights attorney; if they violated the FDCPA in their collection efforts, you may have counterclaims. Many consumer attorneys take these cases on contingency at no upfront cost to you.
Share Your Experience
Have you dealt with Absolute Resolutions Investments LLC? Your firsthand account — whether positive or negative — helps other consumers make informed decisions. Share what happened in the comments below.
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