Account Discovery Systems, LLC

I recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]’s account was placed with our office for collections by our client on June 1, 2016. Our validation letter was mailed to the address on file on June 3, 2016. Our records indicate call attempts were made...

beginning June 3rd and the last call attempt was on June 27, 2016. During this time, our representatives left messages, but were never able to speak with Ms. [redacted].   Ms. [redacted]’s account was closed and returned back to our client on August 23, 2016 due to the fact we had been unable to reach Ms. [redacted]. We then received an online payment from Ms. [redacted] on September 26, 2016 in the amount of $72.80 and requested the account back from our client to post the payment to her account. We received confirmation from our client on September 27, 2016 and the account was re-activated in our system and the payment was applied to her account.   Ms. [redacted] lists September 19, 2016 as the date the problem occurred where she was contacted by a company at her place of employment and states that her husband’s ex-girlfriend was contacted in regards to her account. Ms. [redacted] also lists September 26, 2016 as the date she talked to the company. As previously stated, we have never had contact with Ms. [redacted], nor have we contacted her husband’s ex-girlfriend; the last time we attempted to contact Ms. [redacted] was on June 27, 2016.   Ms. [redacted]’s account is now active in our system and she can continue to make online payments and they will be applied to her account. Should she have any questions, Ms. [redacted] can contact our General Manager, David S., at ###-###-####.

The current owner of Ms. [redacted]'s account is [redacted] Debt Equities, LLC, who works closely with our client, [redacted] Financial Corporation. [redacted] Financial Corporation placed Ms. [redacted]'s account with our agency on August 10, 2015 for collections. Upon receipt of Ms. [redacted]'s original complaint received on December 22, 2015,we requested the original documents from [redacted] Financial and also requested them to inquire on the claim that Ms. [redacted]'s account was to have already been paid due to a lawsuit. Both the original documents and the response we received regarding the lawsuit claim were forwarded to Ms. [redacted] through the Revdex.com on January 21, 2016. When Ms. [redacted]'s account was placed with our agency, pertinent information was supplied as is normal collection practice. Should Ms. [redacted] have any further questions or concerns, she should feel free to contact our General Manager, David S., at ###-###-####. Sincerely, Beth B. +Compliance Officer Account Discovery Systems, LLC

We are in receipt of the complaint submitted by Mrs. [redacted]. Mrs. [redacted]’s account was placed with us for collections by our client on January 18, 2018. Our validation letter was mailed to the address on file on January 24, 2018. Our representative began call attempts to the phone...

numbers listed on the account on March 7, 2018. Mrs. [redacted] called our office on March 14, 2018 and requested no further calls. Mrs. [redacted]’s account was closed in our system and returned to our client. After reviewing this matter, corrective action has been taken against our representative for not following company policies and procedures. We would like to apologize to Mrs. [redacted] and want to thank her for bringing this situation to our attention. As stated previously, her account has been closed in our system and no further contact will be made by our company. Should Mrs. [redacted] have any further questions or concerns, she should feel free to contact our General Manager, Greg S., directly at ###-###-####.

I recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]’s account was placed with our office for collections by our client on December 14, 2016. Our validation letter was mailed to the address on file that same day.   Our representative spoke with Ms....

[redacted] on December 21, 2016. During this conversation, Ms. [redacted] became upset that the address we sent our validation letter to was not her current address; she stated she hadn’t resided at that address since she was in her twenties. Our representative attempted to explain that was the address provided on the account to which Ms. [redacted] stated it was harassment to send the letter to the wrong address. Our representative attempted to resolve this issue, but was not successful. Ms. [redacted] became even more upset that the email address we had on the account was not current. Ms. [redacted] again brought up the address the validation letter was sent to and again stated it was harassment. Then, Ms. [redacted]’s husband got on the call and was yelling at our representative stating he had been disrespectful to his wife and it was pissing him off. Eventually, Ms. [redacted] got back on the call and requested the validation letter be emailed to her. Ms. [redacted] provided her updated email address and the letter was sent that day.   Contrary to what Ms. [redacted] states in her complaint, our representative never stated he “would have to contact the county” in which she resides to get the matter resolved; nor did the representative ever state anything about wage garnishment. Our representative was attempting to help Ms. [redacted] by stating she can call the original creditor, who then will forward her to our client that owns her account, and finally would be transferred to our agency. Ms. [redacted] stated she would be calling the original creditor and the call ended.   Upon receipt of this complaint, our General Manager, David S., contacted Ms. [redacted] in an attempt to resolve this matter. Ms. [redacted] hung up the phone when Mr. S. stated he was in receipt of a letter sent to the Revdex.com.   Should Ms. [redacted] have any further questions or concerns, she should feel free to contact our General Manager, David S., at ###-###-####.

After reviewing Mr. [redacted]’ complaint received on February 22, 2018, corrective action has been taken against our representative. We would like to apologize to Mr. [redacted].  We have closed Mr. [redacted]’ account in our system and returned to our client. No further contact will be made by our...

company. Should Mr. [redacted] have any further questions or concerns, he should feel free to contact our General Manager, David S., directly at ###-###-####.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]’s account was sold to [redacted] in January 2016. Ms. [redacted] never made a payment to Account Discovery Systems.   Upon receipt of this complaint, we reached out to [redacted] and were advised...

that Ms. [redacted] paid her account in full in February 2016. A manager from [redacted] contacted Ms. [redacted] and resolved the situation and provided her a copy of her Paid in Full letter.   We believe this matter to be resolved. Should Ms. [redacted] have any further questions or concerns, she should contact [redacted] at ###-###-####.

I recently received a complaint letter in my office from Mr. [redacted]. Based on a thorough review of account notes and call recordings, corrective action has been taken against our representative as he did not adhere to Company policy and training and did not use Company approved  script in...

communicating
with a  consumer. We would like to apologize to Mr. [redacted] and appreciate him bringing this situation to our attention. Mr. [redacted]'s account was closed in our system and returned to our client
upon receipt of this complaint and he will not receive any
further calls from our company. Should Mr. [redacted] have any questions or concerns, he should feel free to contact our General Manager, David  S., at ###-###-####. Sincerely, Beth B. Compliance Officer Account
Discovery Systems, LLC

Consumer called in about this matter and advise that the company has contacted her and resolved this matter.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
They have simply handed it over to another company which I'm guessing is indirectly related to them called [redacted] systems who has begun calling 3rd party individuals as well although they HAVE my information. More of the same.
Regards,
[redacted]

I recently received a complaint letter in my office from Mr. [redacted]. After a thorough review of this complaint, all allegations have been confirmed false.   Mr. [redacted] alleges our company keeps contacting his place of employment regarding a debt that we refuse to provide information on....

Our representative contacted Mr. [redacted]’s place of employment one time on February 1, 2017. Our representative asked to speak with Mr. [redacted] and was advised he was unavailable. Our representative left his name and phone number; no personal information was ever divulged. Mr. [redacted] called our office within 30 minutes after our representative left this message. The representative advised of the account in our office. Mr. [redacted] stated he believed this account to already have been paid. Our representative provided our fax number and stated once he found his paid letter, to send us a copy so we could forward on to our client and it would be closed as paid. During this first and only conversation, Mr. [redacted] asked for the original account number in order to search his letters, which our representative immediately provided. Never during this conversation did Mr. [redacted] request anything that was refused as he claims. To date, we have never received a letter from Mr. [redacted].   Mr. [redacted] also claims that our representatives have given out his name, address, and social security number to third parties. This is completely false. As previously stated, only 1 call attempt was ever made on Mr. [redacted]’s account and no personal information was divulged.   Should Mr. [redacted] want to setup payment arrangements on his account, or provide his paid letter, he should feel free to contact our General Manager, David S., at ###-###-####.

I recently received a complaint letter in my office from Mr. [redacted]. Mr. [redacted]’s account was placed with our office for collections by our client on September 2, 2016. Our validation letter was mailed to the address on file on September 8, 2016. After a thorough review of all call...

recordings and account notes, corrective action has been taken against the representative Mr. [redacted] spoke with as he did not follow company policy or procedure.   We would like to apologize to Mr. [redacted] and want to thank him for bringing this situation to our attention. We have closed Mr. [redacted]’s account in our system and he will not be contacted by our company.   Should Mr. [redacted] have any further questions or concerns, he should feel free to contact our General Manager, David S., at ###-###-####.

I recently
received  a complaint letter in my office
from Ms. [redacted]. Ms. [redacted]'s   account was placed with our agency by our client on October 29, 2015. The first time we spoke with Ms. [redacted] was on March 23, 2016 wherein Ms. [redacted] was advised of the account in our...

office. Our representative provided Ms. [redacted] multiple payment options and they eventually came to an agreement of $104 on March 30, 2016 and then $52 bi-weekly until the account is paid in full. On March
30, 2016, Ms. [redacted]'s first scheduled payment declined. Our   representatives attempted to get in
touch with her but did not have any success until she called in on April 4, 2016. Ms. [redacted] advised that
she was waiting on a new card from her bank and would call in when she receives it. Ms. [redacted] called our office on April 11, 2016 with her new payment information and agreed to a new payment arrangement of $104 that day, which cleared, a payment  of $721, then a final payment of $825 to settle her account. On May 10, 2016, our representative contacted Ms. [redacted] and she advised that she had lost her job and would not be able to make her
payment. Unfortunately,  our
representative made a mistake and did not remove the payment and on May 13, 2016, $721 came out of Ms. [redacted]'s account. We would like to assure Ms. [redacted] that this was not done maliciously, it was an honest mistake. Ms. [redacted] called our office on May 13, 2016 and spoke with our General Manager and advised that this payment should not have come out of her account. In order to resolve this issue, our General Manager advised that if Ms. [redacted] provided her bank account and routing numbers, we would be able to refund her $721 via ACH and she would receive the funds the following day. Ms. [redacted] called our office later that same day and asked to speak with someone
higher than our General
Manager and she was transferred to our
Chief Executive Officer, Jim P.   Mr. P. advised that an electronic check was scheduled that day, but because it was a Friday, she may not receive the funds into her account until Monday. Ms. [redacted] was very upset about this. Mr.
P. attempted to ease her concerns,
but Ms. [redacted] ended the call. We have verified through our bank, that the $721 ACH was deducted from our account on May 16, 2016 and deposited into the bank account Ms. [redacted] provided to us. Upon receipt of this complaint, Mr. P. attempted to contact Ms. [redacted] to confirm receipt of this deposit and to attempt to resolve any further concerns she
may have, but to-date Ms. [redacted] has not returned the call. Should Ms. [redacted] have any
questions or concerns, she should feel free to contact us. Sincerely, Beth B. Compliance Officer Account Discovery Systems, LLC

I recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]'s account was placed with Account Discovery Systems by our client on June 2, 2015. This account was outsourced to [redacted] Group for collections  on June 8, 2015. Account Discovery Systems never had...

contact nor attempted to contact Ms. [redacted] Group's contact information is below: [redacted] Group, LLC [redacted] Rd, Suite [redacted], NY   [redacted] Phone:  ###-###-#### Sincerely, Beth B. Compliance Officer Account
Discovery  Systems, LLC

I recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]'s account was placed with our agency by our client on November 20, 2015. Our validation letter was mailed to the address on file on November 23, 2015. The first time we spoke with Ms. [redacted] was on
January 13,...

2016 wherein our representative advised of the account in our office. During this conversation, Ms. [redacted] agreed on a payment arrangement and attempted to make a small down payment on the account, but her payment did not clear. Our representative suggested that Ms. [redacted] contact her bank as she was adamant that there was sufficient funds available and moved the payment to the following day. We attempted to process this payment the following day, however the payment did not clear. Our records indicate that Ms. [redacted] called our office on January 19, 2016 advising that she was skeptical about our company and wanted to make sure we were legitimate. Our representative answered all of her questions regarding our company and our 3rd party payment processing company, which seemed to relieve any concerns she had. At the end of this conversation, Ms. [redacted] stated that she would be contacting her bank and would call our company back with updated payment information now that she knows our company is legitimate. Ms. [redacted] also stated at the end of this conversation that she did not want any further calls to her work number and our representative stated he would remove it. Unfortunately, our representative
did not remove the work phone number and that is why on March 28, 2016, a call was
placed by another representative to that number. After reviewing the call made to Ms. [redacted] on March 28, 2016, corrective action has been taken against our representative  as she did not follow company policies  or procedures in speaking with a consumer. Account Discovery Systems would like to apologize to Ms. [redacted] for the way our representative handled this situation and thank her for bringing this to our attention. We pride ourselves on resolving any and all
issues that  arise. Upon receipt of this complaint, a request was sent
to our client for all original documents, which we will forward to Ms. [redacted] upon  receipt. Should Ms. [redacted] have any further questions or concerns, she should feel free to contact our General
Manager, David  S., at ###-###-####.

I recently received a complaint letter in my office from Mrs. [redacted]. Mrs. [redacted]’s account was placed with our office for collections by our client on October 25, 2016. Our validation letter was mailed to the address on file the following day. Our records indicate Mrs. [redacted]’s husband called our...

office on January 3, 2017. The phone number Mr. [redacted] called in from pulled up an account for Mr. [redacted] that had been returned to our client back in June 2015. When our representative advised Mr. [redacted] of this, he stated he was calling in regards to his wife’s account and provided her phone number. Our representative was able to locate Mrs. [redacted]’s account. Mr. [redacted] stated that his wife had wage garnishments in the past and wanted to verify with our client that this account was not already paid through those garnishments. Our representative provided our client’s name and phone number to Mr. [redacted] and we have not heard back from Mr. or Mrs. [redacted] since that date.  Upon receipt of this complaint, we closed Mrs. [redacted]’s account in our system and she will not receive any further calls from our company. Should Mrs. or Mr. [redacted] have any further questions or concerns, they should feel free to contact our General Manager, David S., at ###-###-####.

I recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]'s account was placed with our agency by our client on August 10, 2015. Upon receipt of Ms. [redacted]'s account in our system, our validation letter was mailed to the address on file for Ms. [redacted]. Enclosed...

is a copy of this letter. The first time we spoke with Ms. [redacted] was on August 20, 2015 wherein Ms. [redacted] was advised of the account in our office. Ms. [redacted] stated she did not realize the account was outstanding, but wanted to get this resolved and multiple payment options were provided to her. Ms. [redacted] advised that she would call back after reviewing the payment options. Our representatives have been attempting to contact Ms. [redacted], but have been unsuccessful as we have not been able to speak with her directly. Upon receipt of this complaint, we requested the original documents from our client and asked them to look into Ms. [redacted]'s claim that [redacted] College was sued over the [redacted] loans. As soon as we receive the requested information from our client, we will forward them to Ms. [redacted]. In addition, Ms. [redacted] stated she was upset about the different numbers our company calls from. Account Discovery Systems owns multiple phone numbers for the convenience of the consumer to have a toll-free local phone number option. We would like to assure Ms. [redacted] that Account Discovery Systems is a legitimate company and strives to resolve any issues that our consumers have. Should Ms. [redacted] have any questions or concerns, she should feel free to contact our General Manager, David S., at ###-###-####. Sincerely, Beth B. Compliance Officer Account Discovery Systems, LLC

I
recently received a complaint letter in my office from Ms. [redacted]. Ms. [redacted]'s account was placed with Account Discovery Systems by our client on May
15, 2015. This account was then outsourced to [redacted] Group for collections on May  18, 2015. Account Discovery Systems...

never had contact nor
attempted to contact Ms. [redacted]. Upon
receipt of this complaint, we recalled Ms. [redacted]'s account from [redacted] Group and asked them to provide a response to this complaint, which is  attached. Ms. [redacted]'s account has been closed within our system and returned to our client. Sincerely, Beth B. Compliance Officer Account Discovery Systems, LLC

I recently received a complaint letter in my office from Mr. [redacted]. Mr. [redacted]’s account was placed with our office for collections by our client on October 25, 2016. Our validation letter was mailed to the address on file the following day. Our records indicate our representative spoke...

with Mr. [redacted] directly 2 times. The first conversation took place on March 8, 2017. During this conversation, our representative advised of the account in our office and Mr. [redacted] requested a letter be emailed to him and he would call our office either later that day or the following day after he had time to look it over. Our representative emailed a letter to Mr. [redacted] as requested and did not hear back from him until March 20, 2017. During the conversation on March 20th, Mr. [redacted] stated he wanted to get this matter resolved and our representative provided payment options as he did during the initial conversation. Mr. [redacted] requested another letter be emailed to him and stated he would be making a payment later that day. Again, our representative sent out a letter per Mr. [redacted]’s request.  We received this complaint hours after this conversation. Per Mr. [redacted]’s request, we have inactivated all the phone numbers listed on his account. He will not receive any further calls from our company. Should Mr. [redacted] like to setup payments as he stated in the conversation hours before he filed this complaint, he should feel free to contact our General Manager, David S., at ###-###-####.

I recently received a complaint letter in my office from Mr. [redacted]. Mr. [redacted]’s account was placed with our company on July 3, 2017 by our client. Our validation letter was mailed to the address on file that day.  Our records indicate 4 call attempts were made in total to locate Mr....

[redacted]. These call attempts were unsuccessful as we have never spoken with Mr. [redacted].  Upon receipt of this complaint, we requested the original documents from our client and we will forward them to Mr. [redacted] as soon as we receive them.  No further calls will be made by our company per Mr. [redacted]’s request. Should he have any questions or concerns, our General Manager, David S., can be reached directly at ###-###-####.