BRM Recovery Services Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
***'s info isnt percent accurate we spoke about this issue being in bankruptcy and that this matter( ring) was listed in my bankruptcy and reported on my credit for years after the chapter bankruptcy and they can't put the same item on my report twice and I'm going to check my report because if so I'm filing a civil action against the company *** said there was a statue of limitation for this item and it's all recorded and he said we had days left and they should leave us completely alone ***'s comments were very derogatory and unprofessional and no customer service rep should talk to a customer the way he did and something needs to be doneI feel after years this issue she be done with and I want them to leave me alone and send me documention of this limitation he spoke of
Regards,
*** ***

Hello,
the problem was not resolved I am actually trying to see how I can dispute on my credit reportsomeone is messing with my credit and they (BRM) claim is not them, however it shows that BRM has been claiming that we have been making payments and on other occasions in and and making my credit dropwhen I call them they say they have no responsibility on my account because they are not BRM any more now they are called the law office of *** *** however they are the ones reporting and made the account as default in DecemberHowever they still claim they have nothing to do with the account but continue reporting it*** ***

A review of our previous account records indicates that this former customer of Famsa signed an agreement after his bankruptcy to retain certain property described as: LIVING ROOM RECLINER, 7PC DINETTE, FRIDGE, HUTCH, TABLE, that was collateral for the Famsa retail installment...

contract.  The Agreement he signed was for a reduced principal amount of $2500, which the parties understood and agreed was the fair market value of this property at the time the Agreement was executed in February 2011.  A copy of this Agreement has been provided to the Complainant.The account history indicates that 3 monthly payments of $75 each were made under the Agreement in March, April and May 2011, after which the Complainant defaulted.  As a matter of policy, the default was reported to the credit bureau and this obligation continued to be reported accurately as a delinquent account.  Had this customer made his payments as agreed, this payment history would have reflected positively on his credit bureau report, however, there is no record of any payments other than the 3 monthly payments listed above.  Since our company is no longer responsible for servicing this account, no further communication will be provided by this office. It is anticipated that Complainant will be notified when a new servicer has been designated to handle this matter.

A review of our previous account records indicates that this former customer of Famsa signed an agreement after his bankruptcy to retain certain property described as: LIVING ROOM RECLINER, 7PC DINETTE, FRIDGE, HUTCH, TABLE, that was collateral for the Famsa retail installment...

contract.  The Agreement he signed was for a reduced principal amount of $2500, which the parties understood and agreed was the fair market value of this property at the time the Agreement was executed in February 2011.  A copy of this Agreement has been provided to the Complainant.
The account history indicates that 3 monthly payments of $75 each were made under the Agreement in March, April and May 2011, after which the Complainant defaulted.  As a matter of policy, the default was reported to the credit bureau and this obligation continued to be reported accurately as a delinquent account.  Had this customer made his payments as agreed, this payment history would have reflected positively on his credit bureau report, however, there is no record of any payments other than the 3 monthly payments listed above.  Since our company is no longer responsible for servicing this account, no further communication will be provided by this office. It is anticipated that Complainant will be notified when a new servicer has been designated to handle this matter.

Hello,the problem was not resolved I am actually trying to see how I can dispute on my credit report. someone is messing with my credit and they (BRM) claim is not them, however it shows that BRM has been claiming that we have been making payments and on 7 other occasions in 2014 and 2015 and making my credit drop. when I call them they say they have no responsibility on my account because they are not BRM any more now they are called the law office of [redacted] however they are the ones reporting and made the account as default in December. However they still claim they have nothing to do with the account but continue reporting it....[redacted]

Review: On 6.23.14 I received a call from [redacted] of BRM ext 210 regarding and account that was 13years old. This account had been placed in Bankruptcy Chapter 7 back in 2003 and placed on my credit after that for 7 years outside of the Chapter 7. I asked him what was the nature of the call and he as VERY rude to be stating the "nature was for me to be a man and pay my bills" I nicely explained to this person that it was taken care of perviously and they can't contact me after all of that was done the Chapter 7 and the credit reporting that was placed on my report for 7 years and had fallen off. He became very rude and mean calling me out of my name and telling me I was stupid and I need to take my meds. At this time I asked to speak to his supervisor and tell me H[redacted] No . I told him I was going to report him to his supervisor and the Revdex.com he said his supervior "ISN'T GOING TO DO ANYTHING TO HIM because they are told to say whatever to get the account issue resolved and I told him I was recording this call and he went on and on and then hung up. I then called back and all other customer service reps kept transferring me to him and not a supervisor. This went on for over one hour. I then called back and spoke with someone who did the right thing and transferred me to a supervisor by the name of [redacted] at 800-276-3788 EXT [redacted]. He stated that [redacted] shouldn't have used those words. MANY of which I can't place in this complaint due to UNPROFESSIONALISM and manners. I explained to [redacted] the nature of my call and how long it has been and he said that I have reached the "STATUE OF LIMITATION. In which I know I should have reached due to 13 years for a 1000.00 debt. I in return emailed the president of this company Bruce Jackman with a dire need for him to respond and PRAYERFULLY I will get a response due to this unwarranted stress this customer service agent has placed on me. I just want them to leave me alone since the statue of limitation has been reached.Desired Settlement: I would like a letter mailed to me stating that the "statue of limitations " has been reached and they take my number out of their database. Reps aren't suppose to talk to clients in a rude manner because its VERY DISRESPECTFUL!!!!

Business

Response:

My name is [redacted]. I am the Director of Operations for BRM. I am the Supervisor

mentioned in the Revdex.com complaint. I was not present during [redacted]'s discussions with Mrs.

[redacted]. I spoke to her later ill the day when she called the office and asked to speak to a

supervisor. Ms. [redacted] stated that [redacted], in the course of performing his job, had said

something which had offended her. I apologized for any offense given and assured her that this is

not BRM's policy- and that [redacted]·is fully aware of this.

As to Ms. [redacted] comments regarding her obligation in this matter; I have reviewed the history

on this account and have determined that it is a valid obligation, that the statute of limitations

has not expired, and that it is being reported accurately to the credit bureau. In short, BRM and

its employees are properly attempting to contact Mr. [redacted] to anange for payment. During my ·

conversation with Ms: [redacted], I reminded her that she had reaffirmed this obligation during her

2003 bankruptcy in order to retain a Diamond Bridal Set which had not been paid for.

Ms. [redacted] stated towards the end of our conversation that she was going to look for the ring

(The item which is the security for this account) and return it as she had no intentions of making

any more payments on this valid debt. I gave her my direct extension and told her to feel free to

call me to make arrangements to either return the ring - or discuss other available options to

resolve the matter.

Summary: I have assured Ms. [redacted] that I am going to personally handle her account from now

on and gave her my direct extension so that she has to speak to no-one other than myself.

Respectfully Yours,

[redacted] A. [redacted]

Director of Operations

BRM Recovery Services, Inc .

18002 Irvine Blvd. Suite 160

Tustin, Ca. 92780

Phone# (714)573-2843 ext [redacted] Fax# (714)573-2865

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[redacted]'s info isnt 100 percent accurate we spoke about this issue being in bankruptcy and that this matter( ring) was listed in my bankruptcy and reported on my credit for 7 years after the chapter 7 bankruptcy and they can't put the same item on my report twice and I'm going to check my report because if so I'm filing a civil action against the company . [redacted] said there was a statue of limitation for this item and it's all recorded and he said we had days left and they should leave us completely alone . [redacted]'s comments were very derogatory and unprofessional and no customer service rep should talk to a customer the way he did and something needs to be done. I feel after 10 years this issue she be done with and I want them to leave me alone and send me documention of this limitation he spoke of

Regards,

Review: in 2010 I filed for bankruptcy and FAMSA furniture store was included in the chapter 7. in 2011 BRM open a case against me and ever since they have been harassing me to pay, I explained to them that it was included in the bankruptcy. They continued reporting it to the credit agencies I also sent letters and copies that BRM and FAMSA was the same account and to please delete and stop reporting it. when we called and asked them why were they still reporting it and a man answered with such a bad attitude and really bad customer service and did not give his name after I asked what his name was, what he said was " YOU NEED TO PAY AND WHY ARE YOU BUYING THINGS THAT YOU ARE NOT GOING TO PAY". After that call in my credit report it shows that they started reporting all the past years 2012-till now. when they had last reported in 2011 but continue sending bills. I want this problem resolved and have them delete this off my credit since it is included in the chapter 7 and also stop harassing us to pay something that was already resolved by the court. BRM are also charging us $4,000 plus. we have no idea why are they charging interest for something that should of never been picked up after bankruptcy closed.Desired Settlement: I want them to please correct and delete it off my credit report and stop harassing us. they need to stop reporting it and correct my credit report.

thank you

Business

Response:

A review of our previous account records indicates that this former customer of Famsa signed an agreement after his bankruptcy to retain certain property described as: LIVING ROOM RECLINER, 7PC DINETTE, FRIDGE, HUTCH, TABLE, that was collateral for the Famsa retail installment contract. The Agreement he signed was for a reduced principal amount of $2500, which the parties understood and agreed was the fair market value of this property at the time the Agreement was executed in February 2011. A copy of this Agreement has been provided to the Complainant.