API Recovery Solutions

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]). 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 8/10/2017 and a physical letter to the address on file of [redacted], also on 8/10/2017. Both letters can be disregarded as we will no longer be collection on the account. We sincerely apologize for any confusion or inconvenience. We will continue to work with our staff to make sure consumer complaints are handled in a timely matter. Customer satisfaction is our number one priority. As stated prior the accounts was closed and sent back to the original creditor or 10/3/2017. There will be no more calls from our company to Ms. [redacted] or her family.

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 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 you. We 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 action. As of 10/5/2017 we have given you the chain of debt to verify our legitimacy. We also placed you on a temporary payment plan that will work better for you. We 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 faithfully. We are sorry for any inconvenience this may have caused you. We 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 statutes. We 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 have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. Can you forward the complaint to [redacted] financial?  This company is terrible too deal with.  I've paid three times what the loan is for.  They won't provide and proof that they are collecting for [redacted]. Regards, [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 complaint this appears to have been resolved already. We had originally mailed out a demand notice to the address on file ([redacted]) that clearly outlined who we are, what we do, and the debt we are collecting on. The letter was not returned to us. After speaking with the consumer they were directed to follow the chain of debt to verify our legitimacy, which they did. We then spoke with the consumer who set up a payment arrangement to satisfy the remaining balance of the debt. The account has since been paid in full on 9/27/2016. 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.

I am 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 strict policy is to research these matters to the fullest extent and comply...

with any consumer request. At this time we can neither confirm nor deny that the allegations against our company and our employees are valid. There is no documentation to support these claims. The 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 company. In 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 tolerated. Employees were instructed that they will be terminated if they are found to be violating the FDCPA or any other applicable statutes. In this instance, the account is now closed and will not be resold; also all communications on the account will cease and desist immediately. We wish you the best of luck in the future and apologize for any inconvenience.

We take matters like this very serious and after doing a full review of the complaint we can neither confirm nor deny the allegations. Our collectors are fully trained and tested on our company policies and this allegation falls far outside what is acceptable. We 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 party. We apologize for the miscommunication and for any aggravation we may have caused. We work very hard training our employees on locating the proper information and will do so going forward. After receiving the complaint we held a training session on how to use our locating software properly. After speaking with the collector he stated he never threatened anyone but we still verbally warned the office that behavior like that will not be tolerated. as of 6/4/2017, we closed the account and sent it back to the original creditor.