API Recovery Solutions

We are in receipt of the complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint we see here that the email we had on file was incorrect so we did have some trouble getting your Validation of Debt and original Payment Arrangement Plan over to youWe also have documented that the payment arrangement on file would not work for you and the account was then passed to our hardship department for further actionAs of 10/5/we have given you the chain of debt to verify our legitimacyWe also placed you on a temporary payment plan that will work better for youWe see here you have been working diligently with your representative to come up with a plan that works best for you and you have been paying faithfullyWe are sorry for any inconvenience this may have caused youWe appreciate your feedback, and employees were instructed that they will be terminated if they are found to be violating the FDCPA or any other applicable statutesWe hope that you accept our apology and understand customer satisfaction is our number one priority

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] ***

We are in receipt of your complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint we have decided to close the account and send it back to the original creditor ( [redacted] Loans)We had only called the numbers provided by the original creditor and apologize if we caused any confusionWe sent out letters to the consumer, an email to [redacted] @***.com on 12/23/and a physical letter to the address on file of [redacted] , also on 12/23/Both letters can be disregarded as we will no longer be collecting on the accountWe sincerely apologize for any confusion or inconvenienceWe will continue to work with our staff to make sure consumers fully understand who we are, what we do, and how they can validate their debtCustomer satisfaction is our number one priorityThe account was closed on 2/3/and returned back to the original creditorMs [redacted] can contact the original creditor ( [redacted] Loans) to see where her account was placed

I am in receipt of the complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAt this time we can neither confirm nor deny that the allegations against our company and our employees are validThere is no documentation to support these claimsThe account has however, been placed in a Cease & Desist status as of 1/25/2016, and you will no longer receive any further contact from our companyIn the wake of this complaint, we held an office meeting with all employees advising of the complaint & that this type of behavior will not be toleratedEmployees were instructed that they will be terminated if they are found to be violating the FDCPA or any other applicable statutesIn this instance, the account is now closed and will not be resold; also all communications on the account will cease and desist immediatelyWe wish you the best of luck in the future and apologize for any inconvenience

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 I would like my money back in my account because of them I have overdraft fees and a negative balance of $Along with the cease and desist status Regards, [redacted] ***

We take matters like this very serious and after doing a full review of the complaint we can neither confirm nor deny the allegationsOur collectors are fully trained and tested on our company policies and this allegation falls far outside what is acceptableWe did speak with multiple people with the same name as the person who filed this complaint but we never discussed details of the account in our office because we could not verify we were speaking with the right partyWe apologize for the miscommunication and for any aggravation we may have causedWe work very hard training our employees on locating the proper information and will do so going forwardAfter receiving the complaint we held a training session on how to use our locating software properlyAfter speaking with the collector he stated he never threatened anyone but we still verbally warned the office that behavior like that will not be toleratedas of 6/4/2017, we closed the account and sent it back to the original creditor

We are in receipt of the complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint we are unsure of the disputeWe spoke with the consumer on multiple occasions and advised her exactly how to follow the chain of debt to verify our legitimacyMs [redacted] was advised on 6/20/to contact [redacted] who would then direct him to [redacted] Capital, who would tell her the account was then sold to our companyOn 6/19/Ms [redacted] requested we send her a payment arrangement plan to [redacted] @***.com, to rectify this debt owedThe agreement has not been returnedWe sincerely apologize for any confusion or inconvenienceWe will continue to work with our staff to make sure consumers are fully aware who we are and how to validate their debtCustomer satisfaction is our number one priorityThe account has since been placed in a cease and desist status as of 7/18/per Ms***’s request Ms [redacted] will no longer be contacted by our companyThe account is now closed and will not be resold; also all communications on the account will cease and desist

We are in receipt of your complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer
complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint we feel this may have been an unfortunate misunderstandingWe had originally called the place of employment as it was the only number listed on the original fileOnce we were asked not to call and given another number we did not contact the consumer there againWe do not hand out the telephone number to *** Capital unless askedWe encourage the consumer to follow the chain of dent unprompted of us to ensure they are completely satisfied knowing who we are and what we do*** Capital and *** Acquisitions are one in the same company and are the one who purchased this account from *** ***The number for *** is ###-###-####We have mailed out multiple letters to the verified address on file and none of them have been returnedWe also emailed a validation of debt to ***@***.com on 2/17/and that was not returned as undeliverable eitherWe sincerely apologize for any confusion or inconvenienceWe will continue to work with our staff to make sure things like this do not happen againCustomer satisfaction is our number one priorityThe account was closed and returned back to the original creditor on 3/13/

We are in receipt of your complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer
complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint we are unsure of the disputeWe spoke with the consumer on multiple occasions and advised her of the balance due and what payment arrangement she qualified for on 12/22/2017. We have also sent out a Payment Arrangement Plan to the email on file; ***@***.com on 12/22/and received no response. I have notated the account of this complaint and we would like to sincerely apologize for any confusion or inconvenienceYour account has been placed in "Cease and Desist" statusThe account is now closed and will not be resold; also all communications on the account will cease and desist immediatelyWe wish you the best of luck in the future and apologize for any inconvenience. Customer satisfaction is our number one priority

After reviewing the account we feel this was a matter of miscommunication and we sincerely apologize for any inconvenienceWe had been waiting on conformation payment so we could notify the original creditor to release the titleAfter speaking with both collectors I do not believe anyone ever hung
up the phone without believing the conversation was overIn order to avoid situations like this going forward we have held separate training classes on customer serviceAgain, we sincerely apologize for any inconvenience this may have causedWe did get in contact with the original creditor after verifying the account was paid and the consumer should have the title

I have received your complaint regarding your *** *** Financial LoanWe take each complaint seriously and want to help resolve this issue with youIn order to help solve this issue we must have all Original Documents signed by you when the loan was originally agreed toI have requested all
original documentation regarding Loan Number ***While we are waiting on original loan documentation we encourage you to reach out to your representative with any further questions regarding payment madeUnfortunately, the contractual information we have is that you owe an amount of $3,with a balance of $1,remainingWe can touch base with this as soon as the Original Loan Documents come inWe encourage you to reach out to your representative for any further payment arrangements or questions on this accountWe are sorry for any inconvenience this may have caused you as customer satisfaction is our number one priority

We are in receipt of your complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer
complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint we are unsure of the disputeWe spoke with the consumer on multiple occasions and advised him exactly how to follow the chain of debt to verify our legitimacyMr*** was advised to contact *** Loans who would then direct him to *** *** Holdings who would then send him to us*** would not know who we are as we do not buy directly from themWe have also mailed out multiple letters to the verified address on file outlining the account information and the chain of debt as well as our addressNone of the letters have been returnedWe also emailed a validation of debt to ***.***@***.com on 6/8/and that was not returned as undeliverable eitherWe sincerely apologize for any confusion or inconvenienceWe will continue to work with our staff to make sure consumers are fully aware who we are and how to validate their debtCustomer satisfaction is our number one priorityThe account was closed and returned back to the original creditor on 11/9/and the balance reflects the payment made of $

We take matters like this very serious and after doing a full review of the complaint we can neither confirm nor deny the allegationsOur collectors are fully trained and tested on our company policies and this allegation falls far outside what is acceptableWe have talked with the collector in
question and even though we could not confirm what was said they were verbally warned that behavior like this will result in disciplinary action up to and including possible terminationWe apologize for any inconvenience this may have caused and we strive very hard to make sure these types of things do not happenWe have since closed the account and sent it back to the original creditor

We are in receipt of your complaint submitted regarding allegations against our companyPlease understand that our office takes these matters very seriously & have researched extensively to ensure a complete responseOur office takes these matters with the highest regard for any consumer
complaintOur strict policy is to research these matters to the fullest extent and comply with any consumer requestAfter reviewing the complaint this appears to be miscommunicationWe had originally mailed out a demand notice to the address on file (*** *** ***) that clearly outline who we are, what we do, and the debt we are collecting onThe letter was not returned to usAfter contacting the consumer on 10/13/we provided the chain of debt so the consumer could verify who we were and the legitimacy of our companyThe consumer is encouraged to contact *** *** Express who will direct them to *** Capital (*** Acquisitions), who will then send them to usWe sincerely apologize for any confusion or inconvenienceWe will continue to work with our staff to make sure consumers are fully aware who we are and how to validate their debtCustomer satisfaction is our number one priorityThe account is still in our office and reflects the amount paid of $There is an outstanding balance remaining of $

We are in receipt of your complaint submitted regarding allegations against our company. Please understand that our office takes these matters very seriously & have researched extensively to ensure a complete response. Our office takes these matters with the highest regard for any consumer...

complaint. Our strict policy is to research these matters to the fullest extent and comply with any consumer request. After reviewing the complaint we have decided to close the account and send it back to the original creditor ([redacted] Loans). We had only called the numbers provided by the original creditor and apologize if we caused any confusion. We sent out 2 letters to the consumer, an email to [redacted].com on 12/23/2016 and a physical letter to the address on file of [redacted], also on 12/23/2016. Both letters can be disregarded as we will no longer be collecting on the account. We sincerely apologize for any confusion or inconvenience. We will continue to work with our staff to make sure consumers fully understand who we are, what we do, and how they can validate their debt. Customer satisfaction is our number one priority. The account was closed on 2/3/2017 and returned back to the original creditor. Ms. [redacted] can contact the original creditor ([redacted] Loans) to see where her account was placed.

Dear Ms. [redacted], We are still waiting on all of your original loan documentation as requested. I'm sorry it's taken this long and we thank you for your patience. In the mean time, the original loan seems to have been $600.00 but after non payment, interest fees are added as well as late fees and other applicable fees associated. We encourage you to follow your chain of debt on your account and if you would like to touch base with [redacted] Financial to follow your chain of debt for further validation we encourage you to do so at ####-###-#### who will then help you follow where your debt has been given since the time of the original loan. Unfortunately, you cannot work directly with [redacted] Financial as we now have ownership of this debt. We are sorry you feel as though we are hard to work with. Customer service is our number one priority and we look forward to working this out with you. Please call your representative anytime to speak with her regarding this matter. Lynn W. ext. [redacted] ###-###-####

We are in receipt of your complaint submitted regarding allegations against our company. Please understand that our office takes these matters very seriously & have researched extensively to ensure a complete response. Our office takes these matters with the highest regard for any consumer...

complaint. Our strict policy is to research these matters to the fullest extent and comply with any consumer request. After reviewing the file it does not appear we spoke with anyone regarding consumer for anything other than for location information. We received an original balance from the creditor of $780 and we do not add any interest or fees. The interest is added by the original creditor ([redacted].net in this case). We had mailed out a debt validation notice on 12/21/2015 and one was also sent to the email provided by the consumer. Neither letter was returned as undeliverable. We sincerely apologize for any confusion or inconvenience. We will continue to work with our staff to make sure things like this do not happen again. Customer satisfaction is our number one priority. The account was closed and returned back to the original creditor on 1/20/2016.

We are in receipt of the complaint submitted regarding allegations against our company. Please understand that our office takes these matters very seriously & have researched extensively to ensure a complete response. Our office takes these matters with the highest regard for any consumer...

complaint. Our strict policy is to research these matters to the fullest extent and comply with any consumer request. After reviewing the complaint we are unsure of the dispute. We spoke with the consumer on multiple occasions and advised her exactly how to follow the chain of debt to verify our legitimacy. Ms. [redacted] was advised on 6/20/2017 to contact [redacted] who would then direct him to [redacted] Capital, who would tell her the account was then sold to our company. On 6/19/2017 Ms. [redacted] requested we send her a payment arrangement plan to [redacted].com, to rectify this debt owed. The agreement has not been returned. We sincerely apologize for any confusion or inconvenience. We will continue to work with our staff to make sure consumers are fully aware who we are and how to validate their debt. Customer satisfaction is our number one priority. The account has since been placed in a cease and desist status as of 7/18/2017 per Ms. [redacted]’s request.  Ms. [redacted] will no longer be contacted by our company. The account is now closed and will not be resold; also all communications on the account will cease and desist.

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.
I would like my money back in my account because of them I have overdraft fees and a negative balance of $132.00. Along with the cease and desist status.
Regards,
[redacted]

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]