Investment Retrievers, Inc.

Review: Investment Retrievers LLC, contacted me about my fiances debt on 2/11/14 @ 2:40pm. I advised the rep ([redacted]) that we had legal representation and was advised to provide anyone calling the firms name, number, and contact person. So I provided [redacted]'s information, phone number, name & ext of our representative. 2/18/14 @ 3:24pm I received another call from [redacted], claiming she couldn't get through to our legal representative. I confirmed the number again and advised they are a large firm out of CA. 2/19/14 @ 3:41pm I contacted [redacted] & stated they have not received any calls from Investment Retrievers LLC. 2/20/15 @ 10:47am I received a call from [redacted] with an update of our file & also was advised no calls from Investment Retrievers LLC. 2/20/15 @ 10:53pm I received a call from [redacted] again from Investment Retrievers LLC, claiming she tried to call [redacted] & no answer. I advised her that I just got off the phone with my legal rep & to call now since most likely she was at her desk. 2/21/15 @ 3:58 I tried to fax a Cease & Desist but recv'd fax error. 3/5/15 @ 8:23am recv'd another call from Investment Retrievers LLC. 3/13/15 @ 2:20pm tried to fax Cease & Desist Letter again. Again fax transmission failed, I called Investment Retrievers LLC to confirm fax # & advised them about errors on fax, no fax tone just rings to busy. Rep stated would look into the problem.Desired Settlement: Investment Retrievers LLC violated several consumer right laws, state and federal laws, and FDPCA laws. This company needs to be reprimanded and held accountable for their collection practices. The multiple harassing phone calls after they were advised of our Legal representation and claims that the could not get through to our legal representation as an effort to discuss the debt and avoid contacting our legal representation

Business

Response:

We have investigated the complaint and determined thecomplainant most likely has the wrong company. We 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 [redacted] and our company is Investment Retrievers, Inc.not Investment Retrievers, LLC. We purchased the account October of 2014. Thecommunication cited in the complaint from February 2014 could not have been ourcompany as we did not own the account then. We did make contact with ‘Ana’, whoclaimed to be the consumer’s fiancé, on 02/13/15 & 02/20/15 attempting toget the correct number for [redacted]. 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.

Consumer

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.

Review: received letter notify me that account Chase/circuit city has been purchased by them the amount owing is $10,273.73 which is not right.. this debt is over 8 years old approx. $1000.00 no where near $10,000.. They are way off where did they get this information from? I'd like to know where they received this misleading information.. it is not correct I want they to prove & correct this amount!Desired Settlement: I'd like to know and see documents that they are basing this misleading information.. it is not correct I want they to prove & correct this amount!

Business

Response:

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.

Review: The reason for my complaint today is fairly simple. At least I believe it should and could be. I am being harassed by members/employees of Investment Retrievers over an account that I recently learned is now listed on my credit report. I have not yet escalated the matter in hopes that they will cease any further contacts made to myself or my family. I do not know why this debt is listed, what it is for, or why after months of no explanation given to me of the charges it is on there at all. The only resolution I feel or deduct as fair and reasonable in this matter is the immediate removal of the account from my report, and to have no further pain and suffering incurred from Investment Retrievers, OR any of their employees, subcontractors, or anyone in any way involved with this alleged debt.

Further I feel it necessary to inform others that this debt letter I have from Investment Retrievers was received Priority Mail Packet-Certified- From: Tessie SAlCH Investment Retrievers [redacted] Addressed to me: [redacted] USPS Tracking. It has no information whatsoever regarding the debt they list on my report. It also lists [redacted] Leasing as the original creditor. So, I called [redacted]. [redacted] Retention/Renewal Department phone # [redacted], Spoke to (name) who stated he was indeed with [redacted] and asked me for reference # that I had listed on the letter which came from Investment Retrievers Resources. It had a Ref#. [redacted] told me to contact ANOTHER company: [redacted]??, and he told me to contact them because they were the ones with the account AND NOT to call Investment Retrievers!! I again asked numerous times if indeed he was sure that I owed ZERO debt to [redacted]…he stated yes, and referred me again to call [redacted]. Called them, couple times, no answer. Did not leave message. Do not see them listed on my credit report either.

Hoping for speedy response or resolution from you Investment Retrievers.Desired Settlement: removal from my credit report. do not know what it is or why it is there. ALSO wish for any further communications from them, or ANYONE related to [redacted], or "[redacted]?" to be done via mail-certified. I will be sending out certified notifications as well to them, and hope to have matter resolved in timely manner.

Business

Response:

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]; [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.

Review: I am the School Admin. Assistant for [redacted]. I received a call from a man claiming to be a from an agency that was assisting an employee with a loan document and he needed me to verify employment. I then received a fax some time later requesting the same information but there was not any contact information. After using [redacted] I was able to locate a phone number and several reports of fraud and scamming by this "agency". I contacted the employee listed and she said she has never heard of this company and did not give them permission to contact her employer nor obtain employment verification. The employee was very upset as was I for being lied to and tricked. The fraudulent business practices of this company need to be addressed and monitored judging by the other reviews of this company on various websites. If you are legally and justified in obtaining information you dont have to lie about your reason or the nature of the call.Desired Settlement: We would like no further contact with this business. But for the sake of others they should not lie about the reasoning for employee verification or any other information they need.

Business

Response:

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.

Review: I received a letter stating I owe $6660.10. Says "attempt to collect debt". I've had no previous requests to pay this institution.

I have no clue. This could affect my good credit rating!

Letter enclosed

Chase Bank - have never banked with themDesired Settlement: Cancellation of this "debt".

Business

Response:

To Whom It May Concern:

I am writing in response to the complaint initially received from Ms. [redacted] on December 10, 2013 alleging Ms [redacted] had erroneously received a letter for payment from Investment Retrievers, Inc. ("IRI"). IRI takes these allegations very seriously and continuously strives to ensure that its actions are ethical and within the law.

Upon review of Ms. [redacted] account, there was an initial conversation with Ms. [redacted] in 2006, at which time, she advised IRI to contact her attorney. After several attempts to contact Ms. [redacted] attorney through several means, it was not until December 4, 2013 that IRI was able to speak with Ms. [redacted] attorney regarding the status and liability upon the debt. Pursuant to this conversation, Ms. [redacted] account has been placed in an inactive status.

Should Ms. [redacted] have any further questions or concerns, she is encouraged to contact IRI directly at (888) 610-4701.

Sincerely,

/s/

Rebecca Choi, Esq.

Compliance Attorney

Investment Retrievers, Inc.

Review: I have asked Investment Retrievers numerous times for invoices of what I have payed what I owe sence 2009 after awhile they would send a paper telling me they are taking $50.00 out of my account on the date specified,no invoice telling me what I have payed what the interest is or how much I owe to date iv called again and have ask for this information and all I get is threats of garnishment for second party on account or they are not a accounting furm.Its my understanding that when business's remove payment or you make a payment you should get a invoice of what you owe on princable,intrest ect... ive payed $3,400 on this account sence 2009 I want to know why Investment Retrievers will not give me the information I have requested.further more the accounts don't match on any of the forms they have sent me telling me they are removing there payment from my account. should I try for legal assistance or continue to pay on it not knowing how much I owe. [redacted]Desired Settlement: Itemization of all transaction from start to now 2009 2015 what I payed how much I owe and balance on my account.

Business

Response:

Revdex.com Response: Investment Retrievers, Inc. is in receipt of the complaint filed with the Revdex.com dated August 7, 2015 and containing ID 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. With regard to the issues obtaining a full accounting breakdown of payments and the remaining balance, we are sending a lettercontaining the requested information to Ms. [redacted] directly at the address provided in the complaint. Since the response to this complaint may be madepublic, we will not disclose specific account information in this response.

Consumer

Response:

I am rejecting this response because: Investment Retrievers said they was sending me a letter to my address not on line, if it is being sent to me directly then all information I requested should come with the letter.I have repeatidly ask these guys from day 1 to send me invoices and all I got was threats and excuses please send me all invo I requested amount at beginning with interist princiable and balance.im not denying I owe this and have paid give or take a month faithfuly and listened to the threats, I feel I have the right to know,if this can be met then we can resolve thiswith no further action sencerly [redacted]

Business

Response:

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.

Consumer

Response:

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] ([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

Review: Investment retrievers has taken on a loan from [redacted] and reporting on my credit report monthly. They are re-aging the debt as if it's new and current, the debt IS NOT valid. I've tried many times to make them prove to me that the debt is mine, valid and the records are factual and I'm liable. To date they have not. In addition to re-aging on my credit reports for all three bureaus they also have duplicates as [redacted] is also reporting the same debt. They have harassed me with calls from different telephone numbers and they won't prove this is my debt. Interest and all kinds of fraudulent charges are included in this debt I don't owe for it and the unfair credit bureau practices show their dishonestyDesired Settlement: I want this and [redacted] deleted from my report I want proof with factual records that this debt is indeed mine and they have the right to collect from me I want an investigation for all charges interest etc including review of duplicate and reading on my credit report

Business

Response:

Investment Retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated March 28th, 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.Ms. [redacted] claims that Investment Retrievers is re-aging her debt by reporting to the credit bureaus on a debt that is not valid. The information reported to the credit bureaus accurately reflects the current disputed status of the account as well as the dates we are required to report. Regarding her question on whether the debt is valid; Investment Retrievers responded to Ms. [redacted]’s CFPB complaint on September 01st, 2015 answering her questions and providing supporting documentation. Ms. [redacted] then submitted several disputes through the credit bureaus, all of which Investment Retrievers responded to in a timely matter with accurate information. Investment Retrievers also responded to and provided documents supporting the validity of the debt based on the written dispute Ms. [redacted] submitted on March 14th, 2016. While Investment Retrievers has responded to each dispute providing supporting documentation, we are happy to respond again. Regarding the issue of the claim of duplicate reporting due to the original creditor’s tradeline and Investment Retrievers’ tradeline; Investment Retrievers now owns the debt and is required to submit accurate information to the credit bureaus.Ms. [redacted] also believes that Investment Retrievers has called her from different phone numbers. Investment Retrievers makes calls from our local and toll free numbers, both of which Investment Retrievers owns and publishes on our website. Investment Retrievers will follow this response up by sending supporting documentation to Ms. [redacted], including the account balance.

Consumer

Response:

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]Re:[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]

Consumer

Response:

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

Business

Response:

Attached are the requested documents.

Review: I settled a 2009 business debt with Investment Retrievers in 2011 that they continually place on my personal credit report. During the settlement process, their agent acknowledged the debt was a business debt and had to retract a 1099 filed against my personal income. Then I find out last Friday, June 13, 2014, that my credit reports with all three credit agencies shoes Investment Retrievers has placed the same business debt settlement against my personal credit reports.Desired Settlement: I want Investment Retrievers to file a retraction for the credit derogatory claims with all three credit agencies (Equifax, Experian, and TransUnion) and send a letter of apology to me that I can use in future if these items EVER show up on my credit reports.

Business

Response:

We have investigated the complaint regarding credit reporting on a corporate debt on a personal credit report. Based on our findings, we determined in our investigation it is inconclusive as to the owner of the debt, we therefore have deleted the tradeline from all three major reporting agencies.

Review: Acct#[redacted],Investment Retrievers,Inc. (IR,Inc) is trying to collect a debt of my mothers from me and claiming it's my account also. I have sent letters & made many calls tell them, it's not my account or responsibility to pay. I have been through yrs of calls explaining my mother is 83 (now), has Dementia (along with several other medical problems), lives with me and will never work again. Therefore, can never pay this debt. All my mothers other credit obligations have been written off years ago. The original card only has my mother's name and company name on it. The statements came in her name. The company was closed back in 2010.They tried taking me to court along with my mother back in Jan. 2013, but after the letter I sent to the court they withdrew the case. They claim via the recorded call applying for the account, that I agreed to pay the account. I requested a copy of the recording, and was even told by their collection agent at the time, it's questionable what I confirmed. The agent at the time my mother applied for the card on the phone, told me if I stayed on the line the account would have to be in my name also. I put my mother on the phone immediately, as I did not want a card. I already had my own Wells Fargo credit card. I did verify the company info at the end of the call. At least that is what I thought I was doing. They asked if she wanted a card for anyone else, she said NO. Anyway, they have this collection acct. showing on my credit rpt. I have disputed it with [redacted] & [redacted] and it was removed. However, it is still showing on my TransUnion report and I want it removed. I have been told by my attorney friend they have no case on me via the recording and me handing the phone over to my mother. My mother receives Social Security asst. and has no extra money to pay this. I'm disabled and have no money to pay this for her. My last conversation with their agent was left at "Do not call us again unless you are willing to make an offer to pay this account off for your mother".Desired Settlement: Investment Retrievers needs to remove the collection of my mothers account off of my [redacted] Rpt. Again, it's not showing (from my previous disputes filed) on [redacted] or [redacted]. This is not my account, it's my mothers. I can send copies of the original card and stmt showing her name only on the card, etc. I never knew it was an issue until I saw it on my credit rpt. This acct is back from 2008 and should be removed by now. I intend to write the Fair Debt Agency, if this doesn't work.

Business

Response:

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.

Consumer

Response:

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.,