Good Cleansing

I am an attorney representing Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on July 8, 2016 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection...

laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Complaint reviewed ·         Call logs reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Complaint logged and tracked internally ·         Interview conducted with employee handling the account ·         Cease and desist directive placed on account for all calls to all numbers ·         Mail only directive placed on account ·         Remediation response sent to Revdex.com Admin conducted the above investigation and the following information details the findings thereof. Admin’s records indicate that collection efforts commenced by mailing a first demand letter with validation notice on May 13, 2016 to customer’s residence. Communication by phone was then attempted with customer by calling her home and work number from May 16, 2016 through July 7, 2016.  Communication for location information was also attempted on this account from May 15 through June 1, but no one was ever spoken with.  On June 1, 2016, Admin representative made contact with customer and customer agreed to a monthly payment arrangement.  Customer’s information was verified and a payment letter was emailed to customer upon customer’s request. However, before the first payment was made on the account per the agreement, customer called Admin representative on June 17, 2016 and stated that the funds necessary to make payment would not be available in her account.  At that time, Admin representative changed the payment date to meet customer’s needs.  Customer and Admin representative agreed that the first payment would now be due June 30. However, on June 29, before the first payment was to be made, customer again contacted Admin representative and explained she could not make the payment as agreed upon.  She requested a new payment date for July 29, and lower monthly amounts.  Admin representative then changed the payment date and amounts as requested by customer.  Customer was then transferred to Admin payment processing department to confirm information.  However, customer did not have her information at this time and the call was disconnected. On June 30, customer sent an email stating that her call with the payment processing department was disconnected and that she would call later that afternoon.  Customer did not call.  Admin representative attempted to call customer on June 30, July 1, July 5 and left messages for a return call.  On July 7, customer called Admin and requested a new payment arrangement letter.  The new letter was sent as requested.  Customer then explained she did not want this arrangement and alleged that Admin representative was not working with her and allowing her to be flexible with payment amounts and payment dates. On July 8, 2016, the customer sent this complaint to the Revdex.com alleging that Admin representative had failed to work with her toward an amicable resolution and payment plan on her past due account and that she was harassed at work and spoken to unprofessionally. Upon the record reviewed, Admin Recovery denies every allegation of wrong doing and poor customer service. Customer is dissatisfied that she was contacted at her place of employment.  However, federal and state law allow phone calls to a customer’s place of employment with knowledge that such calls are not prohibited.  Calls were made in compliance with law and at no time did customer state that calls to her place of employment were prohibited.  No cease and desist was ever articulated by customer until her complaint with the Revdex.com. Customer alleges Admin did not work with her.  The record is replete with instances of customer calling the office days before payment was to become due, requesting changes and then having those changes entered into the system by Admin Recovery as she requested.  This has happened 3 times and every time Admin met her changing demands.  Based on the facts reviewed, Admin Recovery bent over backwards to offer her the best plan so that she could pay back her past due bill; the plan that she could afford. Customer also alleges calls to relatives in derivation of law.  Calls were made to third party contacts before contact was established with the customer.  These calls were for location information only and were made within the bounds of the law. Finally, customer alleges that Kevin R. was rude to her.  Nothing in the review of this record can support that allegation.  Admin Recovery worked diligently with customer for close to 1 month, taking her phone calls, hearing her concerns and changing the payment plan several times to accommodate her needs. Customer’s desired resolution is for all further contact to be through US Mail only to her residence.  She wants no further calls to herself, her work, or her relatives.  Admin has placed a mail only directive on this account and no further calls will be made.  Customer states she wants to pay on her past due account.  At this time, Admin Recovery would suggest she simply send in payments via our website at www.[redacted].com.  Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com. Very truly yours,  John T., Esq. Attorney Registration #[redacted]

I am an attorney representing Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on February 23, 2016 (ID # [redacted]).  Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer...

protection laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint:·         Complaint reviewed·         Call logs reviewed·         Collection notes reviewed·         Account information reviewed·         Complaint logged and tracked internally·         Interview conducted with employee handling the account·         Cease and desist directive placed on account·         Account moved into Bankrupt Account Return Status (account to be returned to original creditor)·         Remediation response sent to Revdex.com            Admin conducted the above investigation and the following information details the findings thereof.  Admin’s records indicate that collection efforts commenced by phone call to customer’s home number on February 23, 2015.  A message was left for a return phone call.  This was the sole and only contact attempted on this account.  Later that evening, customer called back and left a message on the collector’s office voice message machine stating that she was represented by counsel involving a bankruptcy.  Also, that same day, customer filed this complaint with the Revdex.com, alleging that Admin Recovery was aggressively attempting to contact her and had contacted her despite her request for no further contact and that she had a bankruptcy attorney handling this account. The next day, on February 24, 2016, the collector working this account received the message and the account was placed into a Bankruptcy Account status and was not contacted further.  However, later that day, February 24, 2016, customer called the office and spoke with the collector working her account.  She informed the collector again that she was represented and the information regarding the attorney’s name and contact information was confirmed.  At that point, she requested a cease and desist.  Customer was not contacted further, and the account will be sent back to the original creditor as it is a bankrupt account. Customer’s complaint alleges that Admin Recovery aggressively attempted to collect on her past due account and she was contacted despite requests not to be contacted.  Admin Recovery denies these allegations and finds them wholly without merit. Customer’s account was first contacted on February 23, 2016 when a message was left for a return call.  It is this single call which forms the basis of customer’s claim that Admin’s collection attempts are “aggressive”.  Prior to receiving this customer’s complaint, Admin Recovery had no contact or correspondence with customer regarding bankruptcy attorney information or knowledge thereof, or any knowledge of a request for a cease and desist.  After receiving customer’s voice message on February 24, the account was properly placed in a bankrupt account status and she was not contacted further. The additional contact with customer on February 24, 2016, came only after customer called in to the office of her own accord and on a voluntary basis, to reiterate information that Admin Recovery had already attained from her voice message.  As this was the first contact with customer, Admin Recovery was poised and ready to send out its first demand letter with validation notice within 5 days of initial contact, but it was during that call that customer explicitly requested a cease and desist.  Therefore, the letter will not be sent as per the customer’s request for no further contact from Admin Recovery.  Customer’s desired resolution is for no further contact and to contact only her attorney.  Customer will not be contacted further.  Additionally, Admin’s policy is to return bankrupt accounts to the original creditor therefore, Admin will not be contacting her attorney. Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours, John T., Esq. Attorney Registration #[redacted]

I am general counsel for Admin Recovery, LLC.  I write in response to a costumer complaint submitted with the Revdex.com on May 7, 2015 (Complaint ID [redacted]). An internal investigation was conducted and the following steps were taken to remediate the issues in the costumer...

complaint:   ·         Account placed with in-house counsel of Admin Recovery ·         Complaint reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Conducted interview with employee working the account ·         Complaint logged and tracked internally ·         Cease and desist directive confirmed placed upon account ·         Remediation response sent to Revdex.com               Admin conducted the above investigation and the results are included here for the Revdex.com’s review.               Admin’s records indicate that collection efforts commenced by mailing a demand letter with validation notice to customer’s residence on April 14, 2015.               No further collection efforts were attempted until May 6, 2015.  At that time, Admin representative dialed three numbers, all of which were provided by the original creditor for contact with the customer.  On May 6, 2015, contact was made with the customer at which time she requested an additional letter to be emailed to her stating the balance owed.  This request was initiated and customer was emailed that same day.               On May 7, 2015 at 9:53 a.m., follow up calls were placed to consumer at the numbers provided by the original creditor.  One of these numbers, unbeknownst to Admin Recovery, allegedly belonged to customer’s sister.  Admin never spoke with customer’s sister and the voicemail did not identify anyone.  A call was also placed to customer’s place of employment and a message was left for a return call.               Later that same day, customer returned a call to this office.  During this conversation, customer refused to pay anything on the account.  After this conversation, customer sent several cease and desist emails to Admin on May 7, 2015. Customer also requested documentation to be mailed to her residence.  At this time, the customer’s emails were forwarded to the compliance department and a request for original documentation was made to the original creditor.  A cease and desist directive was also placed on the account and the customer was not contacted further.  This Revdex.com complaint was filed on the same day with myriad allegations against Admin Recovery.               Customer alleges in her complaint that the call to her sister at 9:53 a.m on May 7, 2015 “can’t be legal”.  At the time the number was dialed, Admin Recovery had no knowledge this number belonged to anyone other than the customer.  The sister was never contacted and no information regarding the debt was ever disclosed.  The call was made in accordance with applicable law.               Customer alleges that Admin representative stated in a voice message to customer’s place of employment on May 7, 2015 that she had until 5:30 p.m. that day to call her back.  Upon review, Admin believes this may have been a miscommunication as this particular Admin representative was scheduled to work that day from 9:00 a.m to 5:30 p.m. and was merely communicating that he would be out of the office after that time if she wanted to speak with him that day and return his call.  If this was not communicated clearly, Admin apologizes.               Customer raises several allegations regarding the debt itself.  Admin is a third party collection agency and is not the original creditor.  Admin does not write the loans.  Also, Admin does not charge interest or collection fees or late fees of any kind.  The balance at charge-off is the balance collected.  Any complaints regarding the debt itself that customer has would be more appropriately directed at the original creditor and not at Admin Recovery.               Customer alleges that Admin representative made legal threats and harassed the customer.  Upon the record reviewed, these allegations could not be verified and Admin denies any wrongdoing.  All Admin employees are trained, tested and monitored to comply with state and federal collection laws.  The Admin representative in question was trained, tested and is monitored on a daily basis for compliance.               Customer alleges that Admin representative called her sister after her request for a cease and desist.  All activity complained of by customer occurred on May 7, 2015.  Upon review of her complaint and the record reviewed, Admin believes she may have confused her time lines.  She states that at lunch time on May 7, 2015, she called Admin and stated she wanted something emailed to her showing the balance due and that she did not want any further calls to her sister.  However, the record shows that her request for a balance due letter came on May 6, 2015.  Regardless, after the May 7, 2015 lunch time call, the sister’s number was removed from the system.  She then states in here complaint that subsequent to this call, her sister sent her “a screenshot of his phone number calling her phone at 9:53am. He left a voicemail of heavy breathing. Really? After I told and demanded he not call anyone associated with me? Wow. I then received a call from his number at 9:54am with no voicemail. Wow again.”  All of the activity complained of occurred the morning of May 7, 2015.  The call to the sister that was screenshotted was a call that had already taken place that morning, prior to her request for no further calls to anyone on her lunch break.  Upon review, the complaint and the time line are confusing, but regardless, the record confirms the sister was not contacted again after customer requested no more calls to that number.               Customer states that she and her sister were contacted after a cease and desist letter was emailed to Admin.  The record confirms that her cease and desist email request was indeed received by Admin’s administrative department on May 7,  2015 and that at that time it was forwarded to the compliance department and that no further calls were attempted to customer.  This all occurred on May 7, 2015.               Lastly, customer claims that Admin representative is “sketchy” because he did not “prove” his email to her.  Admin does not understand customer’s concern here, but can only state that Admin collection specialists do not have access or the ability to communicate with any customers via email.  Any email request has to come through Admin’s administrative department, hence why customer’s email exchanges were through Admin’s administrative assistant. Also in closing, Admin Recovery LLC is licensed to collect consumer accounts in all 50 states including Ohio.  This is public information and customer can confirm same if she wishes.               Customer’s desired resolution is for a cease and desist on this account.  Admin has already processed her email cease and desist request of May 7, 2015 and has now, since the filing of this complaint, confirmed same.  Customer will no longer be receiving any communication regarding her past due account from Admin Recovery.               Upon investigation, none of the allegations in costumer’s complaint to the Revdex.com could be verified in the record.  As such, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner.               It is hoped that this response will satisfy the customer and close this file with the Revdex.com.    Very truly costumers, [redacted], Esq. Attorney Registration #[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.  The name of the person that contacted my daughter was "John H.".  If this is not an employee of the organization, they need to do further investigation as to who is identifying themself with them.  
Regards,
[redacted]

I am an attorney representing Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on May 4, 2016 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection...

laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Complaint reviewed ·         Call logs reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Complaint logged and tracked internally ·         Interview conducted with employee handling the account ·         Cease and desist directive placed on account ·         Remediation response sent to Revdex.com Admin conducted the above investigation and the following information details the findings thereof. Admin’s records indicate that collection efforts commenced by mailing a first demand letter with validation notice on April 5, 2016 to customer’s residence. Communication by phone was then attempted from April 13, 2016 through May 4, 2016.  During this time period, approximately 13 phone calls were initiated to customer in an attempt to collect on a past due account.  On April 15, 2016, customer answered the phone and confirmed that Admin representative was speaking with “[redacted]” from a phone number ending “[redacted]”.  Admin representative asked customer to confirm her personal identification information to preserve the security of the account.  Customer abruptly terminated the call, which only lasted about 20 seconds. Weeks later, contact with a third party (her husband) was made, in an attempt to confirm location information for the customer.  As the customer had not qualified herself on the April 25th call, Admin representative had no reason to believe he had accurate contact information for the customer.  During the call with the ex-husband, ex-husband explained that he was her ex-husband and that he was not in communication with customer.  Admin representative then thanked ex-husband for his time and explained his number would be removed from the list.  During the call, which lasted about 45 seconds, Admin representative absolutely did not share any private and personal information regarding the debt with customer’s ex-husband. Later that same day, on May 4, 2016, someone called in from the same number from the April 25, 2016 call, number ending in “[redacted]”.  This individual claimed to be customer’s sister and demanded no further calls to the customer.  When the Admin representative asked who he was speaking with, the individual hung up. After that conversation, the customer filed this complaint with the Revdex.com alleging that during a call earlier that day that she had with Admin representative, she was harassed and threatened and that Admin had disclosed information about her debt to her ex-husband. Upon a full review of the record, Admin Recovery denies every allegation in this customer complaint. The record shows that Admin never actually was able to confirm that customer had been contacted.  Customer was suspected to be contacted on April 25, 2016, but before Admin could verify, the customer terminated the call after about 25 seconds.  The second suspected contact with customer came on May 4, 2016 when someone called in from the same number as the April 25, 2016 call and stated that she was customer’s sister.  That same day, in this complaint with the Revdex.com, the customer stated that she spoke with Admin on May 4, which leads Admin Recovery to believe that customer lied and that customer was pretending to be her sister when she called the office that day.  Regardless, Admin could never confirm customer. As such, Admin was fully justified in the law to contact third parties in an attempt to confirm or correct location information.  One successful contact was made on May 4, 2016, with customer’s ex-husband.  In a conversation that lasted 45 seconds, it was clear that husband was unable to assist and without disclosing any information, Admin representative terminated the call and removed the ex-husband’s number from the system. Upon the record reviewed, it is beyond clear that Admin Recovery did not threaten or harass customer in any way and did not disclose any debt information to any third parties. Customer’s desired resolution is for no further contact.  Therefore, customer will not be contacted. Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours, John T., Esq. Attorney Registration #[redacted]

I am counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on July 1, 2017 (ID # [redacted]).  Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection laws in...

the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care.  An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint:  ·         Account placed with in-house counsel of Admin Recovery  ·         Complaint reviewed  ·         Call logs reviewed  ·         Collection notes reviewed  ·         Account information reviewed  ·         Complaint logged and tracked internally  ·         Interview conducted with employee handling the account  ·         Cease and Desist phone call directive placed upon account  ·         All communication in writing directive  ·         Remediation response sent to Revdex.com  Admin conducted the above investigation and the following information details the findings thereof.  Admin’s records indicate that collection efforts commenced June 17, 2017 by mailing a demand letter with validation notice and New York State special text notifications to customer.  Admin’s records indicate that phone calls were placed to phone numbers believed to belong to the customer on June 28, 2017.  However, the customer was not contacted and the phone numbers’ answering machines did not indicate that they belonged to the customer and one number had a mailbox that was full.  Therefore, on June 30, 2017, phone calls were placed to relatives in an attempt to correct or confirm location information as Admin Recovery did not believe it had accurate or updated location information for customer as customer had not responded to the letter mailed two weeks prior and the phone numbers did not indicate that they belonged to customer.  After calls were placed to relatives in an attempt to correct or confirm location information, the customer did contact Admin Recovery and at that time requested that all further calls be placed to her phone number, which she confirmed with Admin Recovery.  At that time, all other numbers were removed as requested and relatives were not contacted again.  Customer’s complaint alleges that Admin Recovery contacted relatives which is “against the law” and that Admin Recovery was harassing her as well as her family members.  Admin Recovery denies these allegations.  Per law, it is allowable for Admin Recovery to contact third party relatives in an attempt to correct or confirm location information.  Admin Recovery did attempt to confirm or correct location information on June 30 making phone calls to suspected relatives.  Each suspected relatives was contacted only once.  These calls were made in accordance with law and a single call to a relative can not be construed as harassment.  Complainant’s desired resolution is for no further telephone contact to her relatives or to herself and for all further communication to be in written form.  Admin Recovery has placed a cease and desist phone call directive upon this account and has instructed that any further communication be in writing.  Customer’s requests will be granted.  Admin Recovery invites the customer to contact this office if she wishes to make payments on her past due and delinquent account.  Upon investigation, it was determined that Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner.   It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours,  John T. , Esq.  Attorney Registration #[redacted]

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.
There were two verbal request made to stop contacting my grandson which the debt collector out right refused to. Please have the company refer to their "recorded conversations" for the requests that were verbally made to stop contacting my grandson. The company should refer to the recorded conversations and make note of the verbal request.
Regards,
[redacted]

I am an attorney representing Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on April 21, 2016 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer...

protection laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Complaint reviewed ·         Call logs reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Complaint logged and tracked internally ·         Interview conducted with employee handling the account ·         Account payment arrangement made with customer ·         Remediation response sent to Revdex.com             Admin conducted the above investigation and the following information details the findings thereof. Admin’s records indicate that collection efforts commenced by mailing a first demand letter with validation notice to customer’s residence on April 19, 2016. On April 19, 2016, phone calls were then placed to numbers believed to belong to related third parties in an effort to confirm or correct location information for the customer.  Customer’s mother was contacted and she was able to correct a cell phone number for the customer.  After the conversation with customer’s mother, Admin attempted to contact customer on the cell phone but was unable to connect with her.  However, customer did return a phone call to the office on that day and spoke with Admin Recovery representative Mr. K.  During this conversation, customer acknowledged owing the debt and expressed an interest in paying the debt back after speaking with her boyfriend about current finances.  She also requested no further calls to relatives which of course was honored.  The call was terminated with an expectation that follow-up phone calls would take place after customer had time to speak with her boyfriend. The following day, April 20, Admin representative called customer to follow-up and see if she had spoken with her boyfriend and could make a monthly payment arrangement.  She explained she was still thinking about it and the call was terminated. On April 21, Mr. K. made a follow up call to customer but customer did not answer.  Therefore, a message was left for a return call.  Later that day, customer did call back only this time she expressed frustration with the original creditor ** Bank.  She explained that she was making monthly payments on her account via the ** website until one day she was blocked out.  She claimed it was not her fault that the account was in default because she was blocked out of the website and therefore she should not owe the debt.  Admin representative agreed with her that it was not her fault, but explained to her that she did still owe the debt and assured her that since the account was now being serviced by a third party, that Admin would do everything it could to give her the option that best suited her financial needs.  As part of this effort, Admin representative downward adjusted the balance and suggested monthly payments of $100 per month for 2 years.  Customer then said that would be fine, but that Admin representative was rude to her and then she terminated the call. After this conversation, customer filed this complaint with the Revdex.com alleging harassment (that Mr. K. was “rude”).  As soon as the complaint was received, Mr. K. was interviewed by compliance and all call recordings were pulled and analyzed.  Upon review, there is absolutely nothing to suggest that Mr. K. was rude in any capacity and as such, customer’s allegations are denied. The record confirms a call to customer’s mother in total compliance with the FDCPA and state law.  Contact information for customer was obtained from customer’s mother and she was not contacted again. The record confirms phone calls placed one per day for three days to customer.  These follow-up calls were at customer’s request as she explained she needed time to discuss the matter with her boyfriend. The record can not confirm any phone calls to a place of employment.  The only phone number on record for customer is her cell phone number.  If she was contacted on her cell phone while she was at work, Admin Recovery has no knowledge or reason to believe that this type of call at this particular time was prohibited. Lastly, the record confirms that at all times Mr. K. was professional.  He explained several options to settle the debt with customer.  When customer became frustrated that ** Bank had blocked her out of the website, Mr. K. sympathized with her and assured her that even if the account was now with a third party agency, that Admin would work with her to get payments that suited her financial needs.  Mr. K. was not rude at all and the customer’s only discussion of “rude” behavior came moments before the customer hung up on Mr. K. while he was in mid-sentence. After a review of the record and the complaint, compliance instructed Mr. K. to call back and offer the same payment arrangement it had offered the day before with caution to be extra sensitive to customer’s concerns.  So, on April 22, 2016, customer was contacted again and this time she agreed to the payment arrangement presented the previous day.  The call was terminated in an amicable manner and her account is now in a paying status. Customer’s desired resolution in her complaint was to make payments that best suited her financial needs and to not be treated in “rude” manner.  Mr. K., who was her representative the entire time, was never rude and worked with her continuously throughout the process of coming up with a payment arrangement that was best for the customer.  Admin Recovery acknowledges that sometimes in this business, the very concept of owing a debt and being called by a stranger to pay it can present inherent challenges and allegations that representatives are rude.  This business is a sensitive one and all of our agents are trained in customer service and tested annually.             Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com. Very truly yours, John T., Esq. Attorney Registration #[redacted]

I am general counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on January 15, 2015 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection...

laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Account placed with in-house counsel of Admin Recovery ·         Complaint reviewed ·         Call logs reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Complaint logged and tracked internally ·         Interview conducted with employee handling the account ·         Cease and desist directive placed on account (mail only) ·         Remediation response sent to Revdex.com             Admin conducted the above investigation and the following information details the findings thereof.             Admin’s records indicate that collection efforts commenced December 12, 2015 by mailing a demand letter with validation notice to consumer.  Customer has never responded by mail to the initial mailing communication. Subsequent to the initial mailing, phone calls were placed to customer from December 28, 2015 through January 15, 2015.  Customer never returned a call to this office and the customer’s home phone number and/or cell phone number was never confirmed.  Calls and messages to customer’s unconfirmed place of employment were also never answered or returned.  As such, Admin Recovery did attempt to contact third party family members in an attempt to confirm or correct location information of the customer.  These calls were made in full compliance with applicable state and federal law.  Admin Recovery never reached any of these individuals and never spoke with any of these individuals and therefore was unable to correct or confirm location information.  Admin Recovery never had an opportunity to speak with customer. On January 15, 2016, this consumer complaint was filed with the Revdex.com alleging that Admin Recovery was “disturbing family, friends, and work place with phone calls”. Admin Recovery denies these allegations. Upon the record reviewed, there is no evidence to support the allegation that calls were placed with such a frequency, the likely or intended outcome of which was to harass those being called.  Rather, there were very few phone calls made on the account over the course of a three week period, which resulted in zero contacts with customer or anyone else for that matter. Customer’s desired resolution is for no further contact by phone which has been confirmed by Admin Recovery.  Customer requests all further communication in writing.  Admin Recovery has removed all numbers and placed the account into a DO NOT CALL status. Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com. Very truly yours, John T., Esq. Attorney Registration #[redacted]

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 never received correspondence from this agency, likely because they have the wrong person.  I keep close track of my credit and the reportings on it - there are NO past due debts and my credit is in very good to excellent standing.  The representative that called on February 14th stated to me that my number would be removed from the system since they reached the incorrect party.  Therefore, I had no need to request it at that time, since she told me that it would be done.  That representative was not rude, but she did ask for the social security number, which I would not give to anyone, especially not being aware of who they are.  Identity theft is prevalent in the US. Also, the final rep that called was extremely rude, talking over me and not listening to anything that I was trying to tell her.  She also outright lied, saying that they had not called the previous week.  These are shady practices, and when calling persons that are not your clientele multiple times and being rude, this business should be shut down.  Here's an idea - use [redacted] or some other way to find the correct person.  Try being polite and professional until you are certain that you have the correct person or you will find little cooperation with any person you reach. Finally, once I told my daughter who was calling and why, she checked her call logs and counted nine calls from this number, none of which she answered. I would like it on record just how wrong and rude this company is so that others are aware and not handing out their social security numbers to possible fraud.
Regards,
[redacted]

I am general counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on January 11, 2016 (ID # [redacted]).  Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer...

protection laws in the collection of consumer debt. The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Account placed with in-house counsel of Admin Recovery ·         Complaint reviewed ·         Call logs reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Complaint logged and tracked internally ·         Interview conducted with employee handling the account ·         Settlement Confirmed on account ·         Remediation response sent to Revdex.com             Admin conducted the above investigation and the following information details the findings thereof.  Admin’s records indicate that collection efforts commenced November 6, 2014 by mailing a demand letter with validation notice to consumer.  Over the course of the next year, customer was contacted and a payment arrangement was entered on the account.  The account was officially settled on January 12, 2015. On January 11, 2016, customer filed this complaint with the Revdex.com alleging that Admin Recovery had called her at her place of employment despite cease and desist requests to that number.  Customer also expressed concern regarding payments and timing of payments. Admin Recovery denies these allegations. Upon the record reviewed, this account is settled and closed out and customer will no longer receive any communication on this account.  If there was any confusion regarding the timing or form of payments, Admin Recovery apologizes.  Customer’s payment was made via the web so there is always a delay in processing.  Customer was only contacted to confirm payment was made.  Regarding her claim that she requested no calls at work, there is nothing in the record to substantiate this claim.  Admin worked diligently and amicably with customer for over a year to help her settle her account and at no time was there any displeasure with how her account was served and there were no requests for cease and desists that were received by Admin Recovery, other verbal or written. Regardless, customers account is settled and closed and Admin Recovery was glad to assist customer in doing so.  Customer was a pleasure to work with. Customer’s desired resolution is for a correction to be made to her credit report.  Admin Recovery is not reporting this account to the credit bureaus so therefore Admin Recovery has nothing to correct. Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner.  It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours,  John T., Esq.  Attorney Registration #[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and Admin Recovery LLC still has failed to do their job. The attorney has stated that he sent over the proof of payment to [redacted] yesterday, 12/15/2016. I already sent it to [redacted] on 12/14/16 and they called back saying that they received it. Therefore, I took care of showing proof of payment to get this resolved because again, someone in September of 2015 failed to do their job and report that the bill was paid to [redacted]. Furthermore, this has been reflected on my husband credit for the past several months, bring the score completed down as it appeared that he had a charge off, unpaid debt because Admin Recovery failed to prove [redacted]/[redacted] the proof of payment over a year ago. It's a pretty big deal to have someone's credit say a debt was a charge off, unpaid because someone failed to follow proper procedure with your company. Because my husbands credit score has a FALSE unpaid debt, he has been denied a loan for a vehicle which he needs because he was in an accident last month which completely totally his truck. He's a foreman electrician, it's a pretty big deal to have a daily vehicle. It's imperative that this mess up on your part be addressed as soon as humanly possible due to the circumstances outlined. Because Admin Recovery completed failed to provide [redacted]/[redacted] with the proof of payment which resulted in an unpaid charge off , that again was paid almost a year and 3 months ago, I want the incident completely taken off his credit score due to the lack of procedures that were not followed by your company. This problem could have all been avoided if the person from Admin Recovery provided the proper proof of payment to [redacted]/[redacted] in September of 2015. It is now December 16th, I had to do Admin Recovery's Job on 12/14/16 and provide proof of payment, over a year later because your company failed to provide the proper documentation which resulted in an unpaid charge over for over a year on my husband's credit score because someone failed to do their job with your company. It's completely unacceptable.  Regards,
[redacted]

I am counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on April 26, 2017 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal laws.  All agents are...

trained to comply with the law. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Complaint placed with in-house counsel of Admin Recovery. ·         Complaint reviewed. ·         Call logs reviewed. ·         Agent notes reviewed. ·         CD correspondence reviewed (received from daughter, not customer). ·         Agent information reviewed. ·         Complaint logged and tracked internally. ·         Interview conducted with agent handling the matter. ·         Cease and desist placed on complainant’s numbers. ·         Remediation response sent to Revdex.com.  Admin conducted the above investigation and the following information details the findings thereof. Admin’s records indicate that communication efforts commenced December 14, 2016 by mailing a letter to the customer. Upon review of the record, Admin agents attempted to contact the customer by telephone from December 13, 2016 through April 26, 2017.  Admin was unsuccessful and did not speak with the customer during this 5 month period. As allowed per law, Admin agents did then attempt contact the customer’s relatives in an attempt to confirm or correct location information.  These efforts failed and Admin Recovery was unable to confirm or correct location information for the customer. However, a message was left for the customer’s daughter, the complainant in this matter, on April 26, 2017.  This message disclosed only that Admin Recovery was trying to reach the customer on a sensitive matter and to return a call to the office.  On that date, a call was returned to the office by customer’s daughter, upon information and belief, to cease making phone calls to complainant and to call the customer only.  At that time, the complainant’s phone numbers were deleted from the system. This complaint with the Revdex.com was filed after this phone call on April 26, 2017, alleging harassment for multiple calls and disclosure of debt information regarding her mother, the customer, to other relatives. Admin Recovery denies all allegations in this complaint. The record reviewed confirms that several messages were left for complainant as well as other relatives in an attempt to correct or confirm location information for the customer.  Admin Recovery is allowed by law to contact third parties to correct or confirm location information.  However, the messages to third parties were left over a period of several months, and could not be the basis for a harassment claim based on the number of calls, which average out to about 3 calls per month.  The message left for complainant requests a return call regarding the customer.  Nothing in this call substantiates complainant’s claims of disclosure as she has stated them. After this complaint with the Revdex.com was filed, the actual customer did return a phone call to the offices of Admin Recovery.  This was the first telephone communication with the customer in this matter. Complainant’s desired resolution is for no further phone calls to her or other “outside parties.”  Admin Recovery can confirm that her numbers were removed April 26, 2017 upon her request, have not been called since and will no longer be called. Upon investigation, it was determined that Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours,  John T., Esq. Attorney Registration #[redacted]

I am general counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on June 4, 2015 (ID # [redacted]).               Admin Recovery, LLC is dedicated to quality customer...

service and compliance with all state and federal consumer protection laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care.               An internal investigation was conducted and the following steps were taken to remediate the issues in the costumer complaint:   ·         Account placed with in-house counsel of Admin Recovery ·         Complaint reviewed ·         Call logs reviewed ·         Collection notes reviewed ·         Account information reviewed ·         Complaint logged and tracked internally ·         Interview conducted with employee handling the account ·         Cease and desist directive placed on account; mail only ·         Mailed second demand letter with validation notice to residence ·         Remediation response sent to Revdex.com               Admin conducted the above investigation and the following information details the findings thereof.               Admin’s records indicate that collection efforts commenced April 15, 2015 by mailing a demand letter with validation notice to consumer at her residence.               Phone calls were then placed to consumer on May 19 and June 2, 2015 at her place of employment as well as her home number in an attempt to collect on her past due account.  Messages were left for a return call on May 19.  On June 2, 2015, someone at customer’s place of employment answered and explained that consumer could not receive personal calls at her place of employment.  At this time, the number was removed and a “Do Not Call” directive was placed on the account.  The work number was not contacted again after the June 2, 2015 communication.               Phone calls were then placed to consumer’s home number on June 3 and June 4.  Messages were left for a return phone call in each instance.               On June 5, 2015, this complaint was filed with the Revdex.com alleging that Admin Recovery had not sent notification of the debt in writing, that Admin representative persisted to contact consumer at her place of employment after knowledge that such calls were prohibited by the employer and that Admin representative had implied legal collection methods and was threatening and abusive.               Upon the record reviewed, Admin can confirm that a demand letter with validation notice was mailed to consumer on April 15, 2015 to her residence.                Upon the record reviewed, Admin can confirm that Admin representative gained knowledge that personal calls were prohibited by consumer’s employer on June 2, 2015.  At this time, this number was removed with a Do Not Call directive and was not called again after that knowledge was gained.               Upon the record reviewed, Admin can not verify consumer’s allegations that Admin representative left a threatening voice mail that implied legal collection methods.  If the message created confusion to the consumer regarding legal collection methods, Admin apologizes for the confusion.  Admin trains its employees to comply with all state and federal collection laws and all employees are tested and monitored daily for compliance.  The Admin representative handling the consumer account was trained, tested and is continually monitored for quality assurances and training purposes.                 Consumer’s desired resolution is for a cease and desist of all communication on this account to any and all phone numbers, but has requested that communication continue by mail.  This will be honored.  Consumer has also asked for a second demand letter with validation notice.  This second notice will be mailed as per consumer request.                  Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner.               It is hoped that this response will satisfy the customer and close this file with the Revdex.com.    Very truly yours,   [redacted], Esq. Attorney Registration #[redacted]

I am general counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on May 28, 2015 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection laws...

in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the costumer complaint:   ·  Account placed with in-house counsel of Admin Recovery ·   Complaint reviewed ·  Call logs reviewed ·  Collection notes reviewed ·  Account information reviewed · Complaint logged and tracked internally ·  Interview conducted with employee handling the account ·  Cease and desist directive placed on account ·  Remediation response sent to Revdex.com     Admin conducted the above investigation and the following information details the findings thereof.  Admin’s records indicate that collection efforts commenced April 14, 2015 by mailing a demand letter with validation notice to consumer at her last known place of residence.            A phone call was placed to consumer on April 17, 2015 at her place of employment in an attempt to collect on her past due account.  The operator answered and explained that consumer was on vacation and would be returning to work April 20, 2015.  The call was terminated, no message was left with the operator and no information regarding the debt was disclosed.   A follow-up call was placed to consumer on April 20, 2015 at her place of employment.  Consumer did not answer and a voice message was left.  Subsequent calls were placed to consumer on April 21, 22, 24, 28, May 11 and 12 and messages were left for return calls.  On May 13, 2015, Admin representative made contact with consumer at her home number for the first time.  During this conversation, consumer explained that she had been out of work for 6 months due to having heart surgery.  She acknowledged having a past due account with [redacted] Loan and explained that she would attempt making payments on this when she got her disability check.  The call was terminated. On May 20, 2015, Admin representative followed up with consumer and consumer stated that she believed she had paid this debt off in full.  The call was terminated with the understanding that this account was in dispute.  Therefore, it was no longer contacted. On May 28, 2015, this complaint was filed with the Revdex.com alleging that voice mail messages were left threatening legal action and that consumer had lost her job when her boss allegedly answered a phone call from Admin Recovery after consumer had allegedly told Admin not to call her work. Upon the record reviewed, Admin representative never spoke with consumer’s boss at any time.  Admin also never spoke with consumer at her place of employment.  The only conversations with consumer took at place after dialing her home number.  Never, during any of these conversations, did consumer request a cease and desist at her place of employment.  Nothing was ever received in the mail regarding this alleged request either and therefor Admin had no knowledge that calls to consumer’s place of employment were prohibited.  Also, upon review of the record as well as this complaint, Admin Recovery is confused as to why consumer would claim she lost her job when her boss answered the phone, but in a prior conversation explain that she had not been in work for 6 months due to heart surgery.  Since neither of these scenarios could be confirmed in the record, Admin can not confirm the voracity of any claims of the consumer. Lastly, consumer claims that legal threats were made on her voicemail.  This could not be confirmed on the record reviewed.  Admin Recovery trains all of its employees that legal threats are prohibited and all of its employees are tested annually on this subject matter as well as regularly monitored.  The collector handling this consumer’s account was so trained and tested and is continually monitored for compliance with consumer protection laws. Consumer’s desired resolution is for a cease and desist of all communication on this account.  This will be honored. Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com. Very truly yours,   [redacted], Esq. Attorney Registration #[redacted]

We do not report the debt, the original creditor does.  We report to the original creditor and they then update the credit report.  She can dispute the debt directly with the CRA.  Unfortunately, Admin has no control over that as we do not report the debt to the CRA, we only service the accounts.  John T. General Counsel

I am counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on December 13, 2016 (ID # [redacted]). Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection laws in...

the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care. An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Account placed with in-house counsel of Admin Recovery  ·         Complaint reviewed  ·         Call logs reviewed  ·         Collection notes reviewed  ·         Account information reviewed  ·         Complaint logged and tracked internally  ·         Interview conducted with employee handling the account  ·         Additional Email with “Read Receipt” sent to customer 12/13/16 to confirm receipt  ·         Confirmed account payment report sent to [redacted] for credit reporting purposes  ·         Remediation response sent to Revdex.com. Admin conducted the above investigation and the following information details the findings thereof. Admin’s records indicate that collection efforts commenced September 3, 2016 by mailing a demand letter with validation notice to customer. Admin’s records indicate that payment in full was made by customer in installments on September 10, 14 and 25. The balance is paid in full and there is a zero dollar balance owing.  On December 12, 2016, customer requested a paid letter to be emailed.  This was completed at customer’s request but the email was incorrect and the customer did not receive the paid in full letter. On December 13, 2016, customer called the office and requested another letter be emailed.  The email error was corrected and a second paid in full letter was emailed to customer.  Minutes later, this complaint was filed with the Revdex.com, alleging poor customer service and incorrect information being reported to the credit bureau. Admin Recovery apologizes for getting the customer’s email wrong but denies any and all allegations or poor customer service. Regarding customer’s credit report, Admin Recovery does not report any trade lines to the bureau and has no direct control over what information is reported.  However, when accounts are paid and settled, Admin Recovery provides a report to the original creditor of all accounts that are paid and settled.  The original creditor then updates the credit report anywhere between 60 and 90 days.  For this customer, the account is paid in full and a report was sent to original creditor several weeks ago indicating same.  Admin Recovery would request the customer to please allow for 60 to 90 days before the account updates on their credit report.  If the customer wishes to speed up the process, they may reach out to the original creditor directly or they may reach out directly to the credit reporting agency and dispute the trade line.  Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner. It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours, John T., Esq. Attorney Registration #[redacted]

I am counsel for Admin Recovery, LLC.  I write in response to a customer complaint submitted with the Revdex.com on February 4, 2016 (ID # [redacted]).  Admin Recovery, LLC is dedicated to quality customer service and compliance with all state and federal consumer protection...

laws in the collection of consumer debt.  The company’s main objective is to assist customers with payment of their outstanding past due bills and to avoid consumer financial harm.  All employees are trained to comply with this standard of consumer care.  An internal investigation was conducted and the following steps were taken to remediate the issues in the customer complaint: ·         Account placed with in-house counsel of Admin Recovery. ·         Complaint reviewed. ·         Call logs reviewed. ·         Collection notes reviewed. ·         Account information reviewed.  ·         Complaint logged and tracked internally.  ·         Interview conducted with employee handling the account. ·         Request for validation documentation placed to creditor. ·         Remediation response sent to Revdex.com.             Admin conducted the above investigation and the following information details the findings thereof.  Admin’s records indicate that collection efforts commenced January 7, 2016 by mailing a demand letter with validation notice to consumer.             Subsequent to the initial mailing, a phone call was placed on January 8, 2016, to customer’s work number.  Customer answered and a conversation ensued.  During the phone call, Admin Recovery representative attempted to verify the proper identity of the customer by requested consumer identification information, which was refused.  As such, the call was terminated for customer’s failure to properly identify themselves.  However, later that day, customer returned a phone call to the office and spoke with a different representative.  During this phone call, customer did verify her identification information and explained that the debt belonged to her son and that she would call back at a later date to make payment arrangements with Admin.  The call was terminated. On January 11, 2016, Admin representative contacted customer at her place of employment and customer answered.  This time, customer did provide the proper identification information and customer explained that she had bought a ring from [redacted], using financing from ** Bank, N.A., and that her son was going to pay this back.  She also explained she had taken a new job that paid less than her previous job, which she was laid off from.  Customer explained that she would attempt to figure out a way to start making payments on the account and would call back in a few days.  The call was terminated.  On January 13, 2016, Admin representative and customer had another conversation where customer explained to Admin that she had obtained a loan and would start making payments on the past due account.  She advised that she would be back in contact with Admin later that day with payment information.  Admin Recovery did not speak to customer again that day.  Admin Recovery contacted customer on January 21, 2016 regarding the payment arrangement and customer agreed to a payment arrangement.  The first payment was a check by phone to be processed that day. On February 4, 2016, customer contacted Admin Recovery and spoke to a different representative.  Customer inquired on billing and wanted to confirm that her first payment was successfully processed which she made as a check by phone on January 21, 2016.  It was explained that the check and payment would probably clear soon and that if it did not, she was instructed to please call back.  The check did eventually clear.  On February 4, 2016, this consumer complaint was filed with the Revdex.com alleging that Admin Recovery was “rude”, “harassing”, leaving voice messages on her phone, and threatening that if she did not pay, the ring would be “taken off her daughter [i]n laws finger”.   Admin Recovery denies these allegations.  Upon the record reviewed, there is no evidence to support the allegation that calls were placed with such a frequency, the likely or intended outcome of which was to harass customer.  Rather, the record shows a total of 8 outbound calls between January 8, 2016 and January 21, 2016.  This does not amount to harassment.  Furthermore, each phone conversation with customer was professional and amicable and a payment arrangement was successfully negotiated with customer that best fit her financial needs.  The claim of harassment is unfounded.  Customer alleges that Admin left messages on her phone.  There is no allegation of wrong-doing here.  Admin Recovery is allowed to leave messages on her phone.  Customer claims Admin threatened to take the ring off her daughter in laws finger.  Admin Recovery strongly denies this allegation.  There is nothing in the record to support this allegation.  The record does support several conversation with consumer, where consumer’s personal identification was protected at all times, and an amicable agreement to pay back the account was reached that best suited her financial needs. Customer’s desired resolution is for validation documentation showing Admin Recovery’s right to collect on the account.  This information has been requested from the original creditor in this matter, ** Bank, N.A.  When it is received, it will be mailed to customer.  Regarding her credit, there is no “judgment” on her credit that Admin Recovery is aware of.  Upon information and belief, her past due account is being reported as an R9 Charged-off account by ** Bank, N.A.  Admin Recovery is not reporting a trade line.  Upon investigation, it was determined that during the servicing of customer’s account up until present, Admin has not violated the FDCPA or any other applicable consumer protection law in any way and has conducted their business within the bounds of the law and in a professional and ethical manner.  It is hoped that this response will satisfy the customer and close this file with the Revdex.com.  Very truly yours, John T., Esq.

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.
It is amazing since I filed this complaint, all calls have stopped from all phone numbers that was calling.  I do not owe this debt.  It was paid.  My husband even heard what was left on answering machine.  Also if I owed [redacted], which this is what you are trying to collect, I called them after them sending me emails to let me know I was eligible for a payday loan.  If I owed money, I don't think I would be offered another loan.  I have sent everything to my state attorney.  I do not owe a payday loan.
[redacted]