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Investment Retrievers, Inc.

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Investment Retrievers, Inc. Reviews (29)

We have investigated the complaint and determined thecomplainant most likely has the wrong companyWe do have an account in our systemmatching the phone number and address of the complainant, but we do not have anemployee by the name of *** and our company is Investment Retrievers, Inc.not
Investment Retrievers, LLCWe purchased the account October of Thecommunication cited in the complaint from February could not have been ourcompany as we did not own the account thenWe did make contact with ‘Ana’, whoclaimed to be the consumer’s fiancé, on 02/13/& 02/20/attempting toget the correct number for *** *** ***It appears some of theinformation, as far as the call dates and times, were with InvestmentRetrievers, Inc., but the rest of the information seems to be confused withanother company. Please let us know if any other information and/or response isnecessary

I am rejecting this response because:the vehicle had no scratches when it left my property. Any damage occured after it was no longer in my possession. I do dispute owing the debt.

Investment Retrievers, Inc. is in receipt of the complaint filedwith the Revdex.com dated August 4th, 2015 and containing reference number[redacted]. Investment Retrievers is happy to provide this response. Please note,however, that nothing in this response may be construed as an admission ofwrongdoing or...

liability, which Investment Retrievers expressly denies.Investment Retrievers also expressly reserves all of its rights and defenses. Mr. [redacted] questions why the balance of the account ishigher than he recalls. Investment Retrievers obtained a judgment against Mr.[redacted] regarding this account on September 18th, 2008 filed inLos Angeles county in the Chatsworth district court. The total amount of thejudgment awarded was $6,014.15. As awarded in the judgment, interest has beenaccruing at the rate of ten percent since the judgment was entered.

Investment Retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated January 26, 2016 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response may be construed as an admission of...

wrongdoing or liability, which Investment Retrievers expressly denies. Investment Retrievers also expressly reserves all of its rights and defenses. The phone call in question occurred January 26, 2016 at 10:01am. After review of the call recording, it was determined that no reason was given to the recipient for the employment verification, the recipient never asked what the reason for the call was, or what company the call originated from. There was no misrepresentation of the purpose and/or reason of the call. We have, however, marked our records to ensure no phone calls are made to [redacted] regarding the employee the verification was requested on.

Dear Mr. [redacted],Investment Retrievers, Inc. ("Investment Retrievers") is in receipt of the complaint you filed with the Revdex.com dated May 21, 2017 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response...

maybe construed as an admission of wrongdoing or liability, which Investment Retrievers expressly reserves all of its rights and defense.Your complaint filed with the Revdex.com states that Investment Retrievers did not respond to your request for validation of debt within 30 days and demands Investment Retrievers to delete the account and stop reporting to the credit bureaus. The request for validation was received by Investment Retrievers on April 14, 2017 and a response was mailed out to you on May 15, 2017. The 30th day to respond fell on a weekend, therefor the validation was sent the next calendar day.However, Mr. [redacted], you fail to mention that you previously submitted a request for validation, that was received by Investment Retrievers on February 9, 2017 and a validation of debt was subsequently mailed to you on February 10, 2017. While the Texas Finance Code does not appear to address a valid time frame for companies to receive and respond to disputes, the Fair Debt Collection Practices Act ("FDCPA") does. See 15 days validation period described in subsection (a)..."). Even though your dispute was untimely according to the FDCPA, Investment Retrievers still validated the debt. And, even though you submitted a second untimely dispute, Investment Retrievers still validated the debt; both within a 30 day time period. I trust that this response will serve to resolve this matter in full. Should you have any further questions, please feel free to contact me directly.Sincerely,[redacted]Chief Compliance Officer--

I am rejecting this response because: My issue has never been addressed. That is why I have disputed this alleged debt. The car should have never been repossessed as it was taken while the loan was in deferment. I was not notified until the car was taken away. I never received proper notification.My response is as follows: Investment Retrievers[redacted]
[redacted]
[redacted]  [redacted]
[redacted]8[redacted] 
[redacted]Re:[redacted] [redacted]
[redacted] [redacted](N[redacted] -12/08/2007)To whom it may concern;I am writing in regard to the above referenced account and transactions. This is not a refusal to pay, but a notice that this account is disputed.This vehicle was repossessed by [redacted] in the State of Maryland on or about, 11/19/2012, and resold on or about 01/23/2013. I do not acknowledge the debt you claim I owe. Any such claim that you are asserting is time barred by the applicable statute of limitations. Any further efforts or actions from you, or any communications to me, my family, my employer, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. Under the laws of the State of Maryland UCC § 9.506 and State RISA and MVISA statutes a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please also provide:·         Copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. A copy of all documents which bear my signature including all deferment documents. evidence to show that I was aware that the car was no longer deferred but in fact eligible for repossession.·         A detailed account statement that shows the dates of all payments, balances, and charges.·         Evidence of how the amount due was calculated.·         Any additional fees or charges that have been added to your account on top of the balance due.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC § 9 remedies.Sincerely,[redacted]

I am rejecting this response because: Again I have received 3 of those kind of notices and I have been paying this bill for over 5 years (2009) and each 1 has me owing more then the acual amount, each time [redacted])  contacted me for 6 more months of checks I would ask her why am I not receiving invoices for the money taken out of my account she would then say they would start sending them and again never received any till Sept, Nov, and Dec of 2014 and again you have me owing over 5 thousand dollars, and to tell the truth the only thing I have received from you all is notices that you have a new lawyer with 2 being changed in less then a month I even asked to talk to your lawyer you stated he don't talk to clients ? the only reason this has gone to you all is because the company that this bill originaly had it filled bankruptcy ([redacted]) and it was a credit card for 3000$ I have said b4 yes we owe it its our debt but want respect from the people that took it over and is not getting it you stated to me you don't send invoices to your clients but in this 1 you are saying you do so what is the real answers to my ? stop beating around the bush and send the required invoices that all biznesses send

After thorough review of the alleged complaint, we have decided to submit a deletion of tradeline relating to [redacted] (Honeycutt) and remove her from the account.  While we have submitted the deletion, the credit reporting agencies may take up to 30 days or longer to update consumer...

reports and this is beyond our control.

Investment Retrievers, Inc. is in receipt of the rejection
of our response to the complaint you filed with the Revdex.com dated October 26, 2015
and containing reference number [redacted] Investment Retrievers is happy to
provide this response. Please note, however, that nothing in this response may
be construed as an admission of wrongdoing or liability, which Investment
Retrievers expressly denies. Investment Retrievers also expressly reserves all
of its rights and defenses.Investment Retrievers does not provide statements to any of
its consumers. When Ms. [redacted] had payments on file, she received payment
reminder letters. Investment Retrievers attempted to convey this information to
Ms. Miller but was unsuccessful. Attached is a sample copy of a payment reminder which includes the total balance due. This does not
reflect any accommodations that may have been made on the account.  If Ms. [redacted] would like to bring her payment
plan current and put payments on file, she will be begin receiving payment
reminder letters.

Investment Retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated January 29, 2016 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response may be construed as an admission of...

wrongdoing or liability, which Investment Retrievers expressly denies. Investment Retrievers also expressly reserves all of its rights and defenses. Investment Retrievers would like to address Ms. [redacted]’s first issue regarding the priority mail package she received. Ms. [redacted] alleged this was fraudulent account through the credit bureaus, therefor Investment Retrievers mailed Ms. [redacted] a letter containing the original creditor, original account number, an internal reference, instructions on how to fill out the affidavit and a fraud affidavit. We are currently waiting for a response from Ms. [redacted] so we can complete the investigation. Regarding Ms. [redacted]’s second issue, that [redacted]’s advised her to contact [redacted]’s sold the account to [redacted], therefor they have no knowledge of Investment Retrievers, Inc. However, if Ms. [redacted] was able to get a hold of [redacted], they would advise her they sold the debt to [redacted] who in turn sold the debt to [redacted] who in turn sold the debt to Investment Retrievers, Inc. We have attached all of the bills of sale evidencing Investment Retrievers’ ownership of the account.

Investment Retrievers, Inc. is in receipt of the complaint filed with the Revdex.com dated January 24, 2017 and containing reference number 11952656. Investment Retrievers is happy to provide this Response.  Please note, however, that nothing in this response may be...

construed as an admission Of wrongdoing or liability, which Investment Retrievers expressly denies. Investment Retrievers Also expressly reserves all of its rights and defenses.   Ms. [redacted] defaulted on her Wells Fargo Auto Finance account by failing to make payments due On or after August 24, 2007. After Ms. [redacted] stopped making payments on wells Fargo Auto Finance account, her vehicle was repossessed and sold at auction on September 11, 2007. As a Result a deficiency in the amount of $10,256.57. Ms. [redacted] failed to make payments on the debt Which was subsequently sold to Investment Retrievers on or around May 29, 2008. A judgement Was entered against Ms. [redacted] on July 24, 2009.   Per the fair credit Reporting Act 15 U.S.C  1681b(a)(3)(A) Investment Retrievers has the Permissibly purpose to pull Ms. [redacted] credit report for “review or collection of an account …”. Although Ms. [redacted] did no sign a contract with Investment Retrievers, her account was purchased Or on around May 29, 2008. All of the evidence of the purchased and transfer of ownership was Included in the lawsuit filed against Ms.  [redacted] on or around May 06, 2009. Investment Retrievers Is no longer reporting to Ms. [redacted] credit, so it is unsure of how Ms. [redacted] believes that a false Date is being used to collect the debt.   In addition to the issues Ms. [redacted] addresses, Investment Retrievers would also like to note that Ms. [redacted] alleges she spoke with Investment Retrievers on January 24, 2007, but Investment Retrievers did not own the account until May 29, 2008. Ms. [redacted] also alleges that she spoke with Investment Retrievers on January 24, 2009 but there is no record of that in the company’s System. Ms. [redacted] did however send a letter to the then attorney handling the file, Mr. [redacted], Stating that,” I am facing financial hardship bit I understand that I am responsible for the debt Since I did not response to the initial judgement, “and made four payments towards the debt   We hope to have addressed all of Ms. [redacted] concerns and would be glad to send over any documentation That may be needed. Kind Regards [redacted], Chief Compliance Officer     This is an attempt to collect a debt by a debt collector. Any information obtained will be                                                                    for that purpose.

Please see attached response

I am rejecting this response because:The statement from Investment Retrievers Inc., clearly stated they purchased the account in October 2014.  The complaint cited, I received calls February 2015 not 2014 and I go by my middle name [redacted], the fiance of the individual the account is under.  So there is no mistake Investment Retrievers Inc. was the company that contacted me. As for "[redacted]" the representative that contacted me.  It is customary that "COLLECTION AGENCIES" allow their representatives to use alias.  So please have the individual that uses " [redacted]" has her alias be reprimanded for violating FDCPA when a caller has provided LEGAL representation.  I have cell phone records that after I advised "[redacted]" of [redacted] phone number she continued to contact me.  So it is not likely that the information I provided in my complaint is CONFUSED with another company.  I would like to point out that every company that has contacted us in regards to an financial obligation has graciously contacted out Legal representation without question.  It seems Investment Retrievers Inc., doesn't believe in following the FDCPA laws in placed. Its these laws that protect consumers from companies like Investment Retrievers Inc. who continue to harass individuals.  Furthermore, this lame attempt to deflect the issue that I must be confusing Investment Retrievers Inc. with another company just struck a vital nerve for me.  So since Investment Retrievers Inc. has acknowledged they have records on 2/13 & 2/20 of 2015.  I would need that representatives FULL name as I will be lodging a FULL legal complaint against Investment Retrievers Inc. and its agent(s) with a civil litigation lawsuit.  If there are more consumers who have been treated with the same UNPROFESSIONAL, DECEITFUL, and HARASSING practices, I will seek a CLASS ACTION SUIT.

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me. I will check my credit report off and on and inform them if it is not removed by 30 days.  Thank you Revdex.com for your assistance with this matter. Thank you Investment Retrievers, Inc. for your quick response in resolving this matter also.,

Please see attached response.

Investment Retrievers, Inc. is in receipt of the rejection of our response to the complaint you filed with the Revdex.com dated June 29, 2016 and containing reference number [redacted].  Investment Retrievers, Inc. is happy to provide this response.  Please note, however, that nothing in this response may be construed as admission of wrongdoing or liability, which Investment Retrievers expressly denied.  Investment Retrievers also expressly reserves all of its rights and defenses.   Thank you for providing additional documentation regarding this matter.  Investment Retrievers, Inc. reaffirms it position that your account, with Investment Retrievers, was never reported to any of the credit reporting agencies.  Investment Retrievers, Inc. has no control over the tradeline submitted by the original creditor, [redacted] Corporation.

Attached are the requested documents.

I give authorization to send financial information to Revdex.com from Investment Retrievers

I am rejecting this response because:The account was reported under the original creditor, [redacted]. I have attached the following:+ Your settlement letter that explains that this item will be updated to show as paid + Information from the credit report showing it as outstanding+ The check you used to draft funds for this paymentI appreciate your help in getting this resolved.[redacted]

Review: Last year I settled a debt with Investment Retrievers to the exact terms of their offer. To this date all three major credit reporting agencies show this debt as still outstanding. This has negatively impacted my credit score and the price I am paying for current loans. Please update my record with these agencies as outlined in your settlement offer. I can provide a copy of the offer and the cashed check if needed.Desired Settlement: Please correct your reporting to show per your settlement letter "we agree to stop any and all pending legal action if applicable and update our line item with the credit reporting agencies to reflect paid instead of repossession", as this account has been paid to your company.

Business

Response:

Dear Mr. [redacted],Investment retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated June, 29, 2016 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response may be construed as an admission of wrongdoing or liability, which Investment Retrievers expressly denies. Investment Retrievers also expressly reserves all of its rights and defenses.Per our records, Investment Retrievers never reported your account with any of the credit bureaus. If you have any documents proving otherwise, please forward them as soon as possible so we can do our best to help you.Kind Regards,[redacted]Chief Compliance Officer

Consumer

Response:

I am rejecting this response because:

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Description: Collection Agencies

Address: 950 Glenn Dr Ste 160, Folsom, California, United States, 95630

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