A R Recovery Solutions Of Hawaii

Re: Complaint ID# [redacted] * ***’s statement; “So I original called about a previous account that I saw while on [redacted] ***, I remembered that it was paid but was told to call A R RecoveryI was answered by a man named Mike, I asked about the accountexplained to him that I was slowly trying to fix my creditHe answered that that account was taken care of but there was another account that was in collections, so he told meI explained to him that I was not in anyway financially able to take care of that and probably wouldn't be able to for a whileLong story short, I agreed to try $25/month for monthsWhile throughout the conversation he was very cocky, he was trying to intimidate me, and was pressuring me to pay nowI explained that I lost my job in when all things started to go down and that I have a job now but was on TDI leave due to surgeryI didn't expect him to really understand but I felt he could have been more sincereI also asked him to send me a copy of bill of why the amount was so high, he said I could look on [redacted] I later talked to my mother and she advised me to call back and talk to his supervisorI did but Mike answered again saying I am the manager, what is the problem, he asked are you not going to pay now, I said I felt he was pressuring me and Mike did say Yes, I am so you can take care of this accountMike didn't have no understandingI have kids, ages 14-8, I've been on TDI since May 5, and have not returned yetWith this set amount every weeks, I pay the most important-electric, water, vehicle gas, toiletries, car insurance, and my rent portionMy husband went to the states to go to school and hoped that he could get a better job to take care of this familyThe whole thing, is I explained what my intentions of the call was but was harassed about another account.” Desired Settlement: “I just want him to find a job that is not with peopleI want to take care of this account once I have a more stable income but now because the way he acted I feel like I want nothing to do with A R Recovery Solutions.” Breaking down her statement; “So I original called about a previous account that I saw while on [redacted] ***, I remembered that it was paid but was told to call A R RecoveryI was answered by a man named Mike, I asked about the accountexplained to him that I was slowly trying to fix my creditHe answered that that account was taken care of .” We clarified with her that, while it was on her credit report, we were reporting the account as being a paid account.“ but there was another account that was in collections, so he told me.” Yes_____________________________________________________________________________...⇄ explained to him that I was not in anyway financially able to take care of that and probably wouldn't be able to for a whileLong story short, I agreed to try $25/month for monthsWhile throughout the conversation he was very cocky, he was trying to intimidate me, and was pressuring me to pay now.”Mike reminded her of her own statement ”I was slowly trying to fix my credit” and pointed out that this account was already, recently, referred to attorney Bill Gilardy, for legal action and that an additional judgment on her record would not help her credit fixing efforts she was undertakingHe brought up the other account because of her stated objectiveShe did tell Mike about her work situation and Mike informed her that if we could get some kind of payment on this, we could put this account in a payment status and call it back from the attorneyA sense of urgency, what she calls “pressure”, was present as she was informed that we couldn’t call it back from the attorney without any payment being madeShe was told that we had received emails, just this week, from the attorney with questions on her account so the “pressure” Mike conveyed was that we need to get immediate payment on this before the attorney actually filed suit which could happen any day now as he was apparently working on her fileAll of this “pressure” was for her benefit in attempt to save her from having to pay attorney fees on thisShe was just not “hearing” thisShe had told Mike of her TDIHe explained how he still needed some kind of payment to call it back from the attorney regardless of her TDI situationShe said she’d be back to work in a monthMike, out of kindness, not only offered to accept a $payment on an account with a balance of $7,in order to call it back from the attorney, but he also extended that $per month for more months to allow her to catch up on her other problems/obligations she disclosedMike feels this act demonstrated “sincerity” and understanding that she says was absent from the conversationAfter all, I think it can be agreed, that a $a month payment on a $7,account is hardly a “real” payment for that size of balanceIt was done for her benefit and now there is a complaint from her? There was an agreement for her to pay the first $on the following dayShe had asked questions about who she should make the check payable toMike gave her the options of either making it payable to A R Recovery Solutions or to the client we are collecting forHe told her she could make it payable to A R Recovery and then make a comment in the memo section of the check/money order that is was for money owed to the client or the other way aroundHe told her it didn’t matter to us and to do what would work best for her as he didn’t care (important later) either wayHe just wanted her to be able to recollect should she come across the payment later in her records and not remember what it was forAgain, more understanding.__________________________________________________________________...⇄ also asked him to send me a copy of bill of why the amount was so high, he said I could look on [redacted] .”The principle balance had not gone up since she made her last payment to the previous collection agency who was handling thisHere is that payment She was already aware of the principle balance way back thenShe was advised that any increase in the balance was due to interest and the amount of time that has gone byShe had also stated this this account was not on her credit reportThat’s when she was told to check with the [redacted] credit bureau as this is the bureau we report toWe have since verified that this account is being actively reported to [redacted] .“I later talked to my mother and she advised me to call back and talk to his supervisorI did but Mike answered again saying I am the manager, what is the problem, he asked are you not going to pay now, I said I felt he was pressuring me and Mike did say Yes, I am so you can take care of this accountMike didn't have no understanding.”And that is the first thing she stated when she called back“No understanding.” When Mike recapped the whole previous conversation with her and she stated that Mike had stated ”I don’t care”, Mike reminded her of the actual context of the “I don’t care” statement (from above) He told her she could make it payable to A R Recovery and then make a comment in the memo section of the check/money order that is was for money owed to the client or the other way aroundHe told her it didn’t matter to us and to do what would work best for her as he didn’t care (important later) either wayHe just wanted her to be able to recollect should she come across the payment later in her records and not remember what it was for.At this point Mike concluded that she was reaching for excuses to not even make the $payment she agreed toShe said she would still make the payment thoughThat payment was due 8/16/As Mike anticipated, she didn’t payInstead, in her complaint, she now states .” but now because the way he acted I feel like I want nothing to do with A R Recovery Solutions.”I don’t see where we could have done anything differently, to her satisfaction, other than not asking her to pay anything her account despite her last payment being over years ago_____________________________________________________________________________...⇄

I have responded via reply to original email from Revdex.com

Regarding her statement..."Customer’s Statement of the Problem: I have not done business with this company nor the company in which they claim they are collecting fromI have not lived in Hawaii for over years now and could not have opened any account on the reporting date of June 2012." She
HAS done business with the company we are collecting for and she did incur this debt in We have supplied you a copy of herDriver's license Social Security card (redacted) Her application using the same email address she provided to the Aloha Finance and supplied to the Revdex.comCopy of her bounced check signed by her Copy of client's conversation log where promise for payment was made.Note that at the time she took out this payday loan, she supplied the same email address that she gave to youI don't believe we should have this complaint shown against us on our record, even as resolved one, when the complaint from the onset, is not valid to begin with-David K*** President/A R Recovery Solutions of Hawaii

From: ***.com [mailto:***.com] Sent: Thursday, October 08, 12:PM To: *** *** Subject: Response to Complaint # *** I've gone through the records we were provided with by out clientThe complaint states the individual
moved to Washington state in 2005. The ledger we have show the first delinquency started in November of and the charges continued to 07/17/when the items went to auction and $was obtained by our client at that auction and that amount was applied towards the delinquent rental chargesIt is our feeling that this auction should have happened much earlier which would have greatly limited the ongoing monthly rental charges If he became delinquent in 11/2007, all should have been resolved within months later which would have put his last charge date around 5/instead of 2010. As such, we are backing off the later charge dates to be 5/and therefore making this account past stats and we will cease collection efforts -David K***

Ms. [redacted] states the following in her complaint;“I do not have a contract with A R Recovery Solutions collection agency. I do not have a signed contract nor any contract with A R Recovery Solutions collection agency. I have never done business with this company. I am not liable for collection from...

this debt from [redacted]. I am not responsible for this debt with A R Recovery Solutions collection agency.”______________________________________________________________________...⇄ “I do not have a contract with A R Recovery Solutions collection agency. I do not have a signed contract nor any contract with A R Recovery Solutions collection agency. I have never done business with this company. ”_____________________________________________________________________________...⇄ would be correct. There is no signed contract between her and A R Recovery Solutions. We are a 3rd party collection agency that collects, from debtors, on behalf of various clients. None of the debtors we collect from, on behalf of 3rd parties, have a contract with us. The debtors do, however, have contracts with our clients. In this instance, Ms. [redacted] entered into contract #[redacted] on 8/20/2011 with [redacted] for a payday loan. They have assigned this contract to us to collect on their behalf and remittance can be made in their name for us to forward to them.___________________________________________________________________________...⇄ “ I am not liable for collection from this debt from [redacted]. I am not responsible for this debt with A R Recovery Solutions collection agency.”______________________________________________________________________...⇄ stated above, Ms. [redacted] entered into an agreement via contract # [redacted] on 8/20/2011 with [redacted] for a payday loan. At that time, she agreed to pay back her loan she obtained with them that, instead, resulted in insufficient funds and finally a closed account. She provided her [redacted] military picture ID, Social Security #, home address, home, work, cell phone #’s and personal references with names and phone numbers. She has, 3 times, filed disputes with the credit bureaus that we have responded to each time.Through the credit bureaus, she has twice claimed this account has been paid and once claimed that she was not liable for this account. We have no proof of payment from her. Over time, we have sent notices to various addresses including the Shamrock address she has provided you. We have left messages where the voicemail greeting identified herself as being the one who was using that phone number. She has been given our phone number on all communications with no response from her.She appears to have applied many times more effort in filing disputes and complaints than it would take to simply provide us the proof of payment she claims she made.

I have responded via reply to original email from Revdex.com.

Regarding Ms ([redacted]'s statement :  "I received a ltr of intent to collect a debt from AR Recovery given 30 days to dispute it. I contacted them two days from receipt date. Informed them that account in collection is a prior employers company account not mine personally." Our...

response : While some companies will sign up companies as being a single responsible entity, others may require additional personal guarantees such as our client [redacted] requires and it is, specifically, a separate and specific paragraph that Ms ([redacted] opted to sign as being the personal guarantor.   We have already provided her with a copy of this paragraph where she signed as being the personal guarantor.  (See attached image)As you can see it plainly states " Please further note that by signing this form the signer is the sole guarantor and thus liable for all possible charges that may ensue from this account".  And her name and signature is directly below. ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement : "AR stated to me that because I signed their clients application when the account was opened that makes me responsible." Our response:  As the application, itself, explicitly stated that she would be responsible.  Her signature signifies her agreement/acceptance of this. ________________________________________________________________________________...⇄  Regarding Ms ([redacted]'s statement : "I explained that my position there allowed me to be an authorized signer on behalf of my employer/company," Our response:  That "allowance" was an agreement between her and her employer.  Not that of our client. ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement :"..,and furthermore the account was never set up under my name, nor was I the guarantor." Our response:  Her signing, as evidenced above, that she WAS the guarantor, contradicts this statement made by her. ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement : "AR insisted that I can be held liable because my name on the signature line." Our response:  True ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement : "I then asked how did they get my personal mailing address, social security, and birthdate as I am well aware that this was definitely not information that would have been on my employers application with their client. AR said it was irrelevant." Our response:  Collectors do not know where/how specific information is obtained from our various data sources and discussing internal data collection processes is not pertinent to resolving a past due balance.  We have agreements in place with [redacted], as one source, to obtain such information to ensure we are properly identifying the correct debtor to the credit bureaus alleviating incorrect tradelines from reporting. ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement : "I called AR's client directly and spoke with their Accts Receivable Person - Who emphatically agreed with me that AR Recovery should be contacting former Employer. Encouraged me to write the dispute letter because they hire AR Recovery but could not justify their Recovery Tactics." Our response: I contacted our client as well and asked them about this conversation.  They responded correctly with the information provided by Ms ([redacted].  The problem is that our client had assigned this account for collection and did not know, nor did Ms ([redacted] inform them, that she had signed as personal guarantor.  The question they responded to was whether "an employee" should be held responsible.  Typically, that answer would be no EXCEPT when that employee personally signed as being the personal guarantor.  Our client's response was based on them not having been given the correct information by Ms ([redacted]. ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement :  "AR Recovery called me back at my current employers office! to say how after speaking with her supvsr. I am definately the person they will pursue to collect this debt (unbelievable!)" Our response: I am that supervisor and the collector did bring the account to me to review.  After pointing out to the collector that Ms ([redacted] signed as personal guarantor, I did instruct the collector to call Ms ([redacted] to advise her about her having signed as personal guarantor and that was the basis of holding her responsible.  ________________________________________________________________________________...⇄ Regarding Ms ([redacted]'s statement :Desired Settlement:Correction to a credit report REMOVAL OF MY NAME AS THE PERSON RESPONSIBLE FOR THIS DEBT AS WELL AS DISPOSAL & DELETION OF ALL PERSONAL INFORMATION THAT WAS OBTAINED ON ME AND AN IMMEDIATE CORRECTION TO ANY REPORTING INVOLVED WITH THIS INCIDENT TO CREDIT AGENCIES ie. [redacted] I WOULD ALSO LIKE THE PRESIDENT OF AR RECOVERY TO REVISIT THEIR CURRENT PROCEDURE (TACTICS) AND RETRAIN THEIR ACCOUNT COLLECTION SPECIALISTS ON THE LEGALITIES OF CORPORATE ACCOUNT COLLECTIONS. Our response:  We will not remove her as the person responsible as she, herself, signed to be personally responsible.  Retraining of account collection specialists is not applicable regarding the legalities of corporate account collections as her signature as personal guarantor doesn't make this a corporate account. As of the date of this response, this account is not yet listed on her credit report.  It is our recommendation that she clear this matter before it reports and then pursue reimbursement from her then employer as any agreement made between them for her to sign on their behalf, was an agreement between them and not that of our client. - David K[redacted] President   A R Recovery Solutions of Hawaii

Re: Complaint ID# [redacted]’s statement; “So I original called about a previous account that I saw while on [redacted], I remembered that it was paid but was told to call A R Recovery. I was answered by a man named Mike, I asked about the account. explained to him that I was...

slowly trying to fix my credit. He answered that that account was taken care of but there was another account that was in collections, so he told me. I explained to him that I was not in anyway financially able to take care of that and probably wouldn't be able to for a while. Long story short, I agreed to try $25/month for 3 months. While throughout the conversation he was very cocky, he was trying to intimidate me, and was pressuring me to pay now. I explained that I lost my job in 2012 when all things started to go down and that I have a job now but was on TDI leave due to surgery. I didn't expect him to really understand but I felt he could have been more sincere. I also asked him to send me a copy of bill of why the amount was so high, he said I could look on [redacted]. I later talked to my mother and she advised me to call back and talk to his supervisor. I did but Mike answered again saying I am the manager, what is the problem, he asked are you not going to pay now, I said I felt he was pressuring me and Mike did say Yes, I am so you can take care of this account. Mike didn't have no understanding. I have 5 kids, ages 14-8, I've been on TDI since May 5, 2017 and have not returned yet. With this set amount every 2 weeks, I pay the most important-electric, water, vehicle gas, toiletries, car insurance, and my rent portion. My husband went to the states to go to school and hoped that he could get a better job to take care of this family. The whole thing, is I explained what my intentions of the call was but was harassed about another account.” Desired Settlement: “I just want him to find a job that is not with people. I want to take care of this account once I have a more stable income but now because the way he acted I feel like I want nothing to do with A R Recovery Solutions.” Breaking down her statement; “So I original called about a previous account that I saw while on [redacted], I remembered that it was paid but was told to call A R Recovery. I was answered by a man named Mike, I asked about the account. explained to him that I was slowly trying to fix my credit. He answered that that account was taken care of….” We clarified with her that, while it was on her credit report, we were reporting the account as being a paid account.“…but there was another account that was in collections, so he told me.” Yes. ________________________________________________________________________________...⇄ explained to him that I was not in anyway financially able to take care of that and probably wouldn't be able to for a while. Long story short, I agreed to try $25/month for 3 months. While throughout the conversation he was very cocky, he was trying to intimidate me, and was pressuring me to pay now.”Mike reminded her of her own statement…”I was slowly trying to fix my credit” and pointed out that this account was already, recently, referred to attorney Bill Gilardy, for legal action and that an additional judgment on her record would not help her credit fixing efforts she was undertaking. He brought up the other account because of her stated objective. She did tell Mike about her work situation and Mike informed her that if we could get some kind of payment on this, we could put this account in a payment status and call it back from the attorney. A sense of urgency, what she calls “pressure”, was present as she was informed that we couldn’t call it back from the attorney without any payment being made. She was told that we had received emails, just this week, from the attorney with questions on her account so the “pressure” Mike conveyed was that we need to get immediate payment on this before the attorney actually filed suit which could happen any day now as he was apparently working on her file. All of this “pressure” was for her benefit in attempt to save her from having to pay attorney fees on this. She was just not “hearing” this. She had told Mike of her TDI. He explained how he still needed some kind of payment to call it back from the attorney regardless of her TDI situation. She said she’d be back to work in a month. Mike, out of kindness, not only offered to accept a $25 payment on an account with a balance of $7,300 in order to call it back from the attorney, but he also extended that $25 per month for 3 more months to allow her to catch up on her other problems/obligations she disclosed. Mike feels this act demonstrated “sincerity” and understanding that she says was absent from the conversation. After all, I think it can be agreed, that a $25 a month payment on a $7,000 account is hardly a “real” payment for that size of balance. It was done for her benefit and now there is a complaint…from her? There was an agreement for her to pay the first $25 on the following day. She had asked questions about who she should make the check payable to. Mike gave her the options of either making it payable to A R Recovery Solutions or to the client we are collecting for. He told her she could make it payable to A R Recovery and then make a comment in the memo section of the check/money order that is was for money owed to the client or the other way around. He told her it didn’t matter to us and to do what would work best for her as he didn’t care (important later) either way. He just wanted her to be able to recollect should she come across the payment later in her records and not remember what it was for. Again, more understanding.__________________________________________________________________...⇄ also asked him to send me a copy of bill of why the amount was so high, he said I could look on [redacted].”The principle balance had not gone up since she made her last payment to the previous collection agency who was handling this. Here is that payment… She was already aware of the principle balance way back then. She was advised that any increase in the balance was due to interest and the amount of time that has gone by. She had also stated this this account was not on her credit report. That’s when she was told to check with the [redacted] credit bureau as this is the bureau we report to. We have since verified that this account is being actively reported to [redacted].“I later talked to my mother and she advised me to call back and talk to his supervisor. I did but Mike answered again saying I am the manager, what is the problem, he asked are you not going to pay now, I said I felt he was pressuring me and Mike did say Yes, I am so you can take care of this account. Mike didn't have no understanding.”And that is the first thing she stated when she called back. “No understanding.” When Mike recapped the whole previous conversation with her and she stated that Mike had stated…”I don’t care”, Mike reminded her of the actual context of the “I don’t care” statement…. (from above)… He told her she could make it payable to A R Recovery and then make a comment in the memo section of the check/money order that is was for money owed to the client or the other way around. He told her it didn’t matter to us and to do what would work best for her as he didn’t care (important later) either way. He just wanted her to be able to recollect should she come across the payment later in her records and not remember what it was for.At this point Mike concluded that she was reaching for excuses to not even make the $25 payment she agreed to. She said she would still make the payment though. That payment was due 8/16/2017. As Mike anticipated, she didn’t pay. Instead, in her complaint, she now states….” but now because the way he acted I feel like I want nothing to do with A R Recovery Solutions.”I don’t see where we could have done anything differently, to her satisfaction, other than not asking her to pay anything her account despite her last payment being over 5 years ago. ________________________________________________________________________________