Direct Recovery Services LLC

We contact the consumer at the numbers provided by the loan issuer and by Trans Union If the numbers are called, it is because the consumer has given out that number to creditors for themselves We send out validation notices and letters upon request We remove all wrong numbers on request and/or when/if it is determined the number is wrong We can ask our client for media on request, it is normally provided within 1-weeks If this is not your loan, filing a police report with the date the account was opened, the issuer, the original account number, and the balance and an affidavit of fraud with the FTC (https://www.ftc.gov/news-events/press-releases/2002/02/federal-trade-commission...⇄ with the same information is the best way to handle this If you provide us the police report and the affidavit of fraud we will forward them to our client and they will take that as proof because no one would take out a police report and an affidavit of fraud on an account they took out themselves Sometimes we have seen cases of fraud we call "Family Fraud" Most of the cases of fraud are done by individuals with access to the consumers information and are often family members If this is the case and you do not want to press charges against a family member we do have "Family Fraud" settlements I hope this addresses all your concernsFeel free to follow up at ###-###-####

We sent a payment arrangement letter on 8/24/when Becky M [redacted] , SSN ending in 1241, set up her arrangement and we can send a letter to her at any time she requests Her account is still open with us but is scheduled to be recalled by our client on 11/28/after which time she will need to contact our client to find out where the account has been/ will be placed for resolutionShe may call [redacted]

This consumer has two separate accounts from two different issuers placed with us by two different clients One of them is no longer with us The other is Settled Our client has informed us that they have not updated this as a Settled account We have now asked them to do so In our experience this client is very sensitive to consumers and will correct this quickly Please reach out to me at ###-###-#### tomorrow or any time next week to follow up

The [redacted] we are looking for was born on 12/12/ If this individual is not that person than we need to know Unfortunately this individual did not contact us to let us know the phone number we have for [redacted] is wrong Also, there is not indication on this complaint what number on the file is incorrectWe cannot remove the number because we do not know which one this complaint is referring to Please call us and we will immediately remove the wrong number If this individual is the same [redacted] we are looking for but does not believe she took out this loan, we can instruct her as to the appropriate actions in a case of fraud This involves submitting a police report locally and an affidavit of Fraud with the FTC online We can instruct her so she has all the information she needs

I will wait for the paperwork in the mail and go from thereI will also be keeping track of how many and from whom from this company callsNo one but myself should ever be contacted about claims about meHarassment is a tactic that really gets companies no whereVery invasiveLike I stated beforeI will will wait for proper documentation and go from thereRevdex.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

I am rejecting this response because: This does not address the fact this agency is not licensed to collect in Arkansas for other consumers, nor was my complaint a total Cease and Desist under the FDCPA If you can provide your license number or point out your company's entry on the Arkansas State Board of Collection Agencies roster, I will be more than happy to deal with your agency, and as this complaint provided my correct address your company can send the name of the alleged current and original creditors, like the 30-day notice in your 12/email provided (even if it was certainly overshadowed), and we can go from there However, until you are licensed with the Arkansas State Board of Collection Agencies, you must cease collection attempts for all Arkansas residents, not just me, or be prepared to pay monetary penalties to the stateI have already reported your agency to the ASBCA, including the email and three collection phone calls Those penalties are high

We contacted [redacted] at the phone numbers provided to us by our client and by the credit bureaus We absolutely never want to be calling the wrong numbers! I can see from the message here that the correct number is ###-###-#### We will remove all other numbers on the file immediately I hope this helps In our age of information we do have more of it, but it is certainly not always correct A frustration for us as well Thank you for making us aware so we can correct this with your file Also, not for nothing, we have asked the bureaus to allow us to submit to them "confirmed wrong numbers" so that they may correct their data baseAs of yet (after years of asking) they have never agreed to consider it I think, based on the way the regulation of the industry is going, that eventually government regulation may allow this or even mandate it Until then, sadly, we will only know what numbers are incorrect on a case by case basis

Hello Miss [redacted] ***,My name is Anita [redacted] , Chief Compliance Officer for Direct Recovery Service.I have listened to both calls that that you had a complaint about.I found no rude or standoffish behaviorYou said that it was like pulling teeth to get the company's name That isn't true both of the collectors gave you that You also said that you are paying a debt with Victoria Secret, and we told you that is was a different company called Abercrombie and Fitch that we had in our office I'm not sure if you are thinking of us as another company maybe.The collectors at no time said they will put a Freeze on anythingOne collector did say "Do we need to flag this as a refusal to pay", and you said no I will call back tomorrow I hope this helps to clarify this.Thank You,Chief Compliance Officer

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI called the number provided and verified that my information had been removed from their records

All the consumer's numbers have been removed from the file except for the one the consumer stated was correct. We called the numbers provided to us from the client and the credit bureaus which is the industry standard for best practices in reaching a consumer

Please call ###-###-#### and let us know the number to remove. We do not want to call the wrong person!

This consumer *** ***, was sent a letter and the representative she spoke to did request a letter as well. We have sent a request to our client for original documentation and have put this account in a dispute status pending receipt of media from our client. The email used for this
consumer was the one that was on the original application and there was only one email used. I can understand *** *** is upset about prior identity fraud and she should never pay a debt that is not hers. That being said, I would encourage her to review the documentation (media) once it has been sent out and, if there is identity fraud, she can follow up with the police (in a police report) and submit an affidavit of fraud to the FTC using the following link. https://www.ftc.gov/news-events/press-releases/2002/02/federal-trade-commission-...⇄ It is our job to hold consumers accountable for the debts we handle, not to collect on fraudulent debt. Using the police report and FTC affidavit of fraud, *** *** can help hold accountable the individual who took out a loan in her name. If everyone who was a victim of identity theft did this than there would be much less as people would be held accountableThat being said, we see very few cases of identity theft. Most often what we see is that individuals do not remember the debt, or do not want to resolve it. Please keep in mind that we do our best to operate with integrity and respectThe agent was not rude, but did not hold the proper empathy for the consumer here. I have counseled her on being aware of the consumer's point of view and taking it to heart. This is important

I am rejecting this response because: Attached you will find one of the many emails I've received from this companyI've emailed back to them on more than one occasion, letting them know that they are contacting the incorrect person. I was NOT born in and i've never taken a loan with this company, nor have I ever lived in the Bronx. I can't tell you anything about this loan, because it's not mine, I can't login to your site, because I don't personal information needed to access the data. The last of my social are and I was born in 1971. Please remove my email from your database i'm not the person you are looking for. Thank you, *** L ***

*** *** has never spoken to anyone at our company. He has been sent letters, including verification of debt, in compliance with all Federal and state laws to *** *** ** *** in Strongsville, OH 44136. I suggest he contact the company here at ###-###-#### to
discuss

We use only the numbers provided to us by the client and by TLO. No one in our company would infer to anyone jail time, although we cannot disclose that the matter is about a debt because that would be 3rd party disclosure. Please let me know the number called so we can follow up and
audit the call. Thank you!

The consumer's statements here are not related to her bill and seem inappropriate for this forum. It is in company policy and our client contracts that we do not discuss details outside of the debt placed with consumers. We have a detailed and extensive CMS that is designed to managed and can be made available to the Revdex.com upon request, but suffice it to say that this consumer's statements are unsubstantiated and any actions taken by the consumer will produce no deleterious effects to us

I am rejecting this response because:I did try to make contact with your office prior to the 4th several times which every time I was given a message "this Verizon subscriber is no longer in service"So I dont see how this is my faultAnd to this day I have received no refund like the agent I eventually spoke with promised meWhen I receive a refund and a apology I will accept the business resolution

I believe that Becky M***, SSN ending in did not get the letter we sent or she would not be saying this. However our system automatically generates arrangement letters when they are set up, records the sending process and keeps a copy of the letter. I do not know why Becky did not get the letter but it was most certainly sent. The important thing now is that she call us and we get her a letter - she will have to make a new arrangement and we will put it in writing. She may speak with Griff, or with any of our staff members at ***. We agree that it is important for every arrangement to be in writingIn addition we are set up to send out automatic receipts for each payment in real time and the letter can be sent by email if she responds to an "opt-in" request allowing our system to send to an email

I am rejecting this response because:
They most certainly did not send me any letter of any kind I asked different people to please send me the amount I owed and what the arrangement would be and I would have no problem paying them I informed them that I had been scammed several times and wanted a paper trail and they refused to send me anything one of the people I spoke to went by the name of griff

I am rejecting this response because:
Even though the numbers that were contacted were the wrong numbers, how is it legal to give out personal information of mine to other family members that are not cosigners or have anything to do with my accounts? Leaving voicemails with amounts owed on my account on other peoples phones is illegal