Alpha Recovery Corp

After reviewing the complaint and the account information, it seems that the consumer may be a little confused on who may be calling them. We do have an account in our office for *** *** at the address listed. As you can see from the account notes, we only received this
account on 7/23/2016, sent a letter on 7/25/and only made two phone calls on 7/29/2016. Out of the two phone calls, one was a bad number and one was an answering machine. On the same day later in the afternoon on 7/29/2016, we received a cease and desist letter in the mail for all verbal communication and the account was updated and canceled back to our client. The correspondence was sent to our client and no additional calls were made once the C&D letter was received

Initial Business Response /* (1000, 8, 2015/11/18) */
ARC is a licensed 3rd party collection agency that collects on many types of debtWe understand Ms***'s frustration with the verification process, but these are the requirements in place to protect consumers so collection agencies do not
disclose bad debtWe can't change the laws so if Ms*** wants to know why we are calling, she will need to go through the disclosure process or read the letter that was sent to her

After reviewing the complaint and the account information, we show that our employee tried to verify who he was speaking with and the consumer refused to discuss any further because she was on a recorded line.  There was a man in the background calling our employee a “dumb troll” and said that...

our employee needed to go back to English class.  Our employee called again the next day and the consumer again said will not discuss on a recorded line and wanted no more calls and said that our employee needed to get a life and hung up.  ARC had made several attempts after this 2nd phone call due to our employee’s inability to verify who he was speaking with.  The account is currently closed in our office and no more calls will be made to the consumer concerning this account.

Revdex.com:
"I have...

reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me." - auto text from Revdex.com. It is sad that I had to go through Revdex.com to get a pleasant response from "ARC". I would not call this a resolution however, but a step in the right direction.Calling them and asking for explanation, results in them insulting you and hanging up on you if you do not provide personal information which they likely don't even have. So thank you Revdex.com in hopefully making this easier.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/11/05) */
Alpha Recovery Corp is a licensed collection agency located out of Colorado. Our client, JH Portfolio Debt Equities, LLC has placed an account in our office for ShopNBC for $65 under the name of Ms. [redacted]. When trying to discuss this debt...

with Ms. [redacted], she refused to ID herself with the identifiers used under the laws of collections. Since she would not ID herself, our representative has no choice but to terminate the call. The verification laws were created by our government and ARC was following proper procedures. The account has been documented and closed in our office to be sent back to our client.
Initial Consumer Rebuttal /* (2000, 8, 2015/11/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

We have made contact with someone who we think is [redacted] and during the verification process, this person refuses to identify himself so we have no other option (per law) but to terminate the call.  If Mr. [redacted] would go through the verification process, we then can discuss the debt and...

discuss how the debt can be taken care of.  We welcome the opportunity to speak with Mr. [redacted] and he can contact us at 877.3598714.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
Vincent Cannova

ARC is also in receipt of the same complaint sent to our compliance dept where the consumer asked for $338 payment for July and $200 biweekly.  These payments have been set up.  We have also moved the account out of [redacted]'s desk and placed it in the desk of [redacted]'s...

manager.  His direct line is [redacted], so please feel free to contact him at any time to discuss your account.  We apologize if you felt threatened in any way, that is not our intention. Thank you.

After reviewing the account, it is clear that the collector followed all company policies concerning initial disclosures of information and did their best to try and work with the consumer on getting this debt paid off.  The balance on the account is $1,250.65 and at $25 per month, it will take...

50 months to pay off.  ARC will accept this arrangement with the first payment being paid within the month of November, 2017.  According to the notes the consumer has asked for a mailing address to mail her payments and she can mail money orders to [redacted].

In response to [redacted]’s request for his lien release, we have investigated the matter and our client (debt owner) is still waiting for [redacted] to process it and send it over so it can be mailed to the consumer.  The formal request was made on 4/3/17 and at that time, our client informed...

us that they were still waiting on it from [redacted].  On 6/7/17, our client updated us and advised us that they are still waiting for [redacted] to process it.  Once the release is processed by [redacted] and sent to our client, it will be immediately sent out to the consumer.  The consumer may contact us on a regular basis to see if there have been any updates.  [redacted].

Alpha Recovery Corp is a 3rd party collection agency that works with consumers on helping them resolve their bad debts.  Alpha Recovery Corp is not a bank, nor did ARC extend Ms. [redacted] any credit concerning this account.  When the account was placed in our office for collections it was...

because Ms. [redacted] had failed to honor her agreement that she signed up for, therefore making the balance in full due.  Ms. [redacted] was unable to pay the balance in full so ARC kindly worked with Ms. [redacted] to set up arrangements that work within her budget.  Our collector is correct in that Ms. [redacted] should have had the common courtesy to call our office and let us know that her check was not going to be good.  We understand that Ms. [redacted] is in a tight spot right now and we are willing work with her but she needs to make every effort to continue to make payments on her account.  Her account is no longer with [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Their response is completely inaccurate but we both know they wouldn't want to play the ph[redacted] call they recorded because then there would be clear proof of them violating the fair debt collection practices act. I disputed the amount they said I supposedly owe and never received any proof that I owed what they say. Finally they never offered a repayment plan of 36 months. They offered 24 months but for the amount that I disputed. 
Sincerely,
[redacted]

Again, we are sorry that the consumer feels that way and an internal investigation is underway and if we feel that there has been inappropriate behavior by one of our representatives, it will be handled internally according to our company policies.

After reviewing the matter, it is clear to our company that the information in this complaint is not 100% accurate.  A Female called into our office on 1/16 and told our company to stop calling her daughter's phone number and when trying to determine what number she did not want us to call any...

longer, she called our representative dumb!  We will honor that fact that the consumer wants no more calls, but we do not appreciate the tone the consumer (and 3rd party) used with our representative and although we will no longer make any calls, the debt on this account is still owed.

We have reviewed the account and Alpha Recovery Corp is a 3rd party collection agency and we would like to speak to Ms. [redacted] at ###-###-####.  As far as calls to her place of employment, we have removed the number and no more calls will be made there.

Revdex.com:
I contacted Consumer Safety Technology directly via email. They did not send a response to the email but the problem went away shortly thereafter. Thank you for your help in this matter.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/07/15) */
Based on the account info, Ms. [redacted] settled her account with us at a greatly reduced amount. We are happy to see that Ms. [redacted] and our representative were able to work things out to satisfy both parties. The account has been closed in our...

office as settled in full and reporting back to our client as settled in full. Thank You.

After reviewing the account, it is clear that the consumer only owes $207.40 to close out her account.  We appreciate her efforts and since she has paid 71.4% of the balance to date, we closing the account as settled in full and the consumer does not owe any more money on the account.  The...

consumer may call into our office and obtain a settled in full letter if she wants one.  The account has been documented in our office.

we have made it very clear that no more calls will be made to the consumer concerning this account and ARC does nothing to "abuse" the consumers social security number.  We don't even understand what the consumer even means by that.

Initial Business Response /* (1000, 5, 2015/09/14) */
The dispute and request for validation has been received and is being handled according to the law.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I see...

no response from these people or we do not know how to open the information, but I really do not care to see their response any longer. We have contacted the original collection owners which is [redacted] and per their recommendation I was no to answer their call any longer since they are going to work with me. And sadly I see that us as consumers will at the end never be fully protected against the collectors that are abusive, and badger elder people or people in general. I thank you for your time and would like for your office to just stop the process since I see we will get no where.Thank you again.
Final Business Response /* (4000, 9, 2015/09/21) */
Our goal is to work with consumers and help them resolve their debts. We understand that consumers have all sorts of issues and we are willing to work them, but at the end of the day, a debt is owed. We reject the consumers comments as our office treats consumers fairly and equally, regardless of age. Our client has recalled the account from our office so no more calls will be made to the consumer concerning this debt.