Kirkland Asset Management, LLC

Kirkland Asset Management LLC (“KAM”) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Mr [redacted] ’ complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Mr [redacted] ’ complaint, KAM conducted an internal investigation with regard to this matterKAM trains our staff to honor consumers’ rights and privacy as well as our clients’ rights and privacyWe also train our staff to maintain a courteous and civil dialogue with those we contactUnfortunately, I have found during my investigation that our representative did not follow the aforesaid practicesI am appalled with my findings and embarrassed to say that the allegations of Mr [redacted] ’ complaint are validTherefore, I have terminated the employment of the individual responsible for these actionsThe aforesaid individual was a fairly new employee to KAM whom was previously employed at a different agencyUnbeknownst to KAM, the individual most likely conducted themselves inappropriately at their previous employer and we believe this may have attributed to the employee’s actionsRegardless, this is not acceptable behavior at KAM and same will not be toleratedOn behalf of KAM, I want to apologize to Mr [redacted] for any inconvenience he experienced with our representativeI can assure you, KAM does not condone such behavior and maintains direct business-like and legally compliant practices and procedures.KAM has closed Mr [redacted] ’ account and has returned same to our clientMr [redacted] will not be contacted by KAM with regard to this matter.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matterSincerely, JENNIFER MA [redacted] Chief Compliance Officer

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

July 8, 2015Revdex.comAttn: ***, Complaint HandlerRe: [redacted] ***; Your File [redacted] Dear ***:This will acknowledge receipt of complaint # [redacted] We appreciate the opportunity to investigate and respondKirkland Asset Management LLC (KAM) strives to provide world class customer service and conducts business as such.Upon receipt of Ms [redacted] complaint, an investigation ensuedThe account was placed in hold status, future payments canceled and a cease and desist entered on accountIn interviewing the staff involved, they stated that Ms [redacted] knowingly and willingly entered into a voluntary payment arrangement on a verbally acknowledged valid debt.As Ms [redacted] knowingly and willingly entered into a payment arrangement on this account, KAM does not feel a refund of prior payments is dueWe are inviting Ms [redacted] to contact our Quality Assurance/Compliance Manager, Dennis D [redacted] to discuss the matterMrD [redacted] can reached at [redacted] It was determined that during the servicing of customer’s account, KAM 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.Sincerely,JENNIFER A [redacted] Chief Compliance Officer

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriouslyThank you for bringing Ms***’s complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Ms***’s complaint, KAM conducted an internal investigation with regard to this matterKAM must respectfully disagree with the allegations set forth in Ms***’s complaintThe results of the investigation into this account are as follows: On May 19, 2016, the first message was left on the consumer’s answering machineOn May 19, 2016, a message was left on an additional number provided to us on the account On May 19, 2016, the consumer called KAM and spoke with a representativeA settlement offer and payment plan were offeredThe consumer stated that she would call back the next day to solidify the agreementThis call was never receivedOn the following dates – May 20, 2016, May 23, 2016, May 26, 2016, and May 31, 2016, calls were made to the consumer requesting a call backWe did not speak to the consumer or make any attempt to contact the consumer on May 24, or May 25, as the consumer indicates in the complaintAt no time during any of the communications was there a discussion of delivery of “legal documents” mentionedAdditionally, there were never any communications between any associate of KAM and any individual other than Ms***The consumer never mentions to anyone at KAM to stop contacting her at any numberOn July 6, 2016, the consumer’s complaint was received by KAMThe account has been returned to our client and no further communications have been or will be attempted with regard to this matterPlease feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter

December 11, Revdex.com Bryant Woods South Amherst, New York Attn: [redacted] l, Complaint Handler Re: [redacted] ***; Your File [redacted] Dear [redacted] :This correspondence is intended as a follthe inquiry of the above complaintKAM Asset Management LLC (KAM) previously responded to [redacted] indicating that we had conducted an internal investigation and concluded that we did not violate any laws but the account manager responsible may have caused [redacted] to misinterpret a message that was leftThe account manager was coached and retrained on leaving messages that leaves no room for misinterpretation or confusionAlso, we conduct skip-tracing functions when trying to contact our client’s customersTherefore, upon completing skip-tracing information of which included compiling location information, KAM attempted to leave messages for [redacted] to contact usNo information was disclosed to any party other than a message left and all messages were in accordance with state and federal requirementsAt the time KAM responded to [redacted] complaint, KAM closed and returned her account to our clientThis function stops all collection activity, including skip tracingTherefore, [redacted] will not be contacted by KAM with regard to this matterNonetheless, KAM recognizes the seriousness of this matter and apologizes to [redacted] for any inconvenience she experienced during her contacts with KAM’s representativesWe hope that this resolves the matter for [redacted] ***KAM apologizes to [redacted] Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matterSincerely, [redacted] Chief Compliance Officer

Re: [redacted] Your File [redacted] Dear [redacted] ***:Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Ms***’s complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Ms***’s complaint, KAM conducted an investigation with regard to this matterKAM must respectfully disagree with the allegations set forth in Ms***’s complaint.In regards to Ms [redacted] mentioning that we (KAM) contacted others besides herself, this in fact is trueThe contact numbers for these individuals were attached to her account we received from our client and were most likely provided as references or second contact numbers from Ms [redacted] at the time of her application in the event that Ms [redacted] could not be reached directlyAll calls made from this office followed FDCPA guidelines and at no time was there any mention of court, fines or jail time.Please note, letters were sent to Ms [redacted] on 4/4/and 4/5/These were sent on KAM company letterheadOn 4/5/2016, Ms [redacted] entered into a payment agreement with KAM.On 4/14/16, Ms [redacted] spoke with a collection representative from our office and Ms [redacted] confirmed that she would like to keep her payments on file with our office.If Ms [redacted] would like to discuss this matter further, please have Ms [redacted] contact me directly at her convenience.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter.Sincerely,JENNIFER MA [redacted] Chief Compliance Officer

November 6, 2015Revdex.comBryant Woods SouthAmherst, New York 14228Attn: [redacted] Complaint HandlerRe: [redacted] Your File [redacted] Dear ***Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing [redacted] *omplaint to our attention and we appreciate the opportunity to respondUpon receiving notification of [redacted] complaint, KAM conducted an internal investigation with regard to this matterKAM respectfully disagrees with [redacted] accusationsKAM takes its legal compliance and customer services very seriously and recognizes this complaint as suchKAM does not condone such collection activity and maintains direct business-like and legally compliant practices and procedures.We believe that [redacted] is confusing KAM with another entity as KAM attempted to contact [redacted] one (1) time on or about October 27, at approximately 12:PM and left a messageAt approximately 12:PM on the same day, [redacted] contacted our office and indicate that she does not owe this debt and refuses to payThe KAM representative immediately placed [redacted] account in a refusal to pay status and KAM has not attempted to contact [redacted] since.Additionally, none of the allegations in [redacted] complaint to the Revdex.com could be verifiedAs such, it was determined that during the servicing of [redacted] account, KAM has not violated the FDCPA or any other applicable consumer protection laws in any way and has conducted their business within the bounds of the law and in a professional and ethical manner.KAM has closed [redacted] account and has returned same to our client [redacted] will not be contacted by KAM with regard to this matter.Please contact the undersigned if I may be of any further assistance.Sincerely, [redacted] Chief Compliance Officer

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriouslyThank you for bringing Mr***’s complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Mr***’s complaint, KAM conducted an investigation with regard to this matterKAM takes its legal compliance and customer services very seriously and recognizes this complaint as such KAM does not condone such collection activity and maintains direct business-like and legally compliant practices and proceduresPlease note, KAM had Mr***’s account in active collection status for a short period of timeSpecifically, May 13, to May 18, There was (one) call placed to Mr***’s place of employment as this was the only number provided to us on his accountA message was left with what is believed to be a co-worker to call us backThere was no further communication with Mr [redacted] either by phone or mailWe are considering Mr***’s complaint as a cease and desistTherefore, upon receiving Mr***’s complaint, KAM closed his account as cease and desist and returned same to our clientMr [redacted] will not be contacted by KAM regarding this matterPlease feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matterSincerely, JENNIFER M

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Ms [redacted] ’s complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Ms [redacted] ’s complaint, KAM conducted an internal investigation with regard to this matter and KAM must respectfully disagree with Ms [redacted] KAM takes its legal compliance and customer services very seriously and recognizes this complaint as suchKAM does not condone such collection activity and maintains direct business-like and legally compliant practices and procedures.As you are aware we conduct skip-tracing functions when trying to contact our client’s customersTherefore, upon completing skip-tracing information of which included compiling location information, KAM attempted to leave messages for Ms [redacted] to contact usNo information was disclosed to any party other than a message left and all messages were in accordance with state and federal requirements.Ms [redacted] contacted our office and discussed payment arrangements with a representative, who described the conversation as professionalIn accordance with Ms [redacted] ’s request, KAM has closed the account and returned it to the current ownerThere will be no further contact.Upon investigation, none of the allegations contained in the consumer’s complaint to the Revdex.com could be verifiedAs such, it was determined that during the servicing of customer’s account up until present, KAM 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 consumer and close this file with the Revdex.com.Sincerely,JENNIFER MA [redacted] Chief Compliance Officer

Kirkland Asset Management LLC (“KAM”) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Ms***’s complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Ms***’s complaint, KAM conducted an internal investigation with regard to this matterKAM trains our staff to honor consumers’ rights and privacy as well as our clients’ rights and privacyWe also train our staff to maintain a courteous and civil dialogue with those we contactUnfortunately, I have found during my investigation that our representative did not follow the aforesaid practicesI am appalled with my findings and embarrassed to say that the allegations of Ms***’s complaint are validTherefore, I have terminated the employment of the individual responsible for these actionsThe aforesaid individual was a fairly new employee to KAM whom was previously employed at a different agencyUnbeknownst to KAM, the individual most likely conducted themselves inappropriately at their previous employer and we believe this may have attributed to the employee’s actionsRegardless, this is not acceptable behavior at KAM and same will not be tolerated.On behalf of KAM, I want to apologize to Ms*** for any inconvenience she experienced with our representativeI can assure you, KAM does not condone such behavior and maintains direct business-like and legally compliant practices and proceduresProviding the highest quality of service is of the utmost importance to us, therefore, on behalf of our staff, we commit to you that we will continue to provide the highest quality of service.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matterSincerely, JENNIFER M*** Chief Compliance Officer

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Mr***’s complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Mr***’s complaint, KAM conducted an internal investigation with regard to this matterKAM takes its legal compliance and customer services very seriously and recognizes this complaint as suchKAM does not condone such collection activity and maintains direct business-like and legally compliant practices and procedures.Upon receiving Mr***’s Cease and Desist letter on 06/26/2015, KAM closed Mr***’s account and returned same to our clientMr*** has not and will not be contacted by KAM regarding this matter.In reviewing the notes on the account and the subsequent interviews with staff involved, it appears Mr*** was contacted by location services in an attempt to verify and confirm location informationAdditionally, Mr*** contacted our office and the discussion that ensued followed all federal and state laws.None of the allegations in Mr***’s complaint could be verifiedAs such, it was determined that during the servicing of customer’s account, KAM 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.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter.Sincerely,JENNIFER MA***Chief Compliance Officer

Kirkland Asset Management LLC (“KAM”) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Mr***’ complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Mr***’ complaint, KAM conducted an internal investigation with regard to this matterKAM trains our staff to honor consumers’ rights and privacy as well as our clients’ rights and privacyWe also train our staff to maintain a courteous and civil dialogue with those we contactUnfortunately, I have found during my investigation that our representative did not follow the aforesaid practicesI am appalled with my findings and embarrassed to say that the allegations of Mr***’ complaint are validTherefore, I have terminated the employment of the individual responsible for these actionsThe aforesaid individual was a fairly new employee to KAM whom was previously employed at a different agencyUnbeknownst to KAM, the individual most likely conducted themselves inappropriately at their previous employer and we believe this may have attributed to the employee’s actionsRegardless, this is not acceptable behavior at KAM and same will not be toleratedOn behalf of KAM, I want to apologize to Mr*** for any inconvenience he experienced with our representativeI can assure you, KAM does not condone such behavior and maintains direct business-like and legally compliant practices and procedures.KAM has closed Mr***’ account and has returned same to our clientMr*** will not be contacted by KAM with regard to this matter.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter. Sincerely, JENNIFER MA*** Chief Compliance Officer

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Ms***’s complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Ms***’s complaint, KAM conducted an internal investigation with regard to this matter and KAM must respectfully disagree with Ms***KAM takes its legal compliance and customer services very seriously and recognizes this complaint as suchKAM does not condone such collection activity and maintains direct business-like and legally compliant practices and procedures.As you are aware we conduct skip-tracing functions when trying to contact our client’s customersThe skip tracing agent adamantly denies requesting a signature, stating that all messages were in accordance with state and federal requirements.We are considering Ms***’s complaint as a cease and desistTherefore, upon receiving Ms***’s complaint, KAM closed her account as cease and desist and returned same to our clientMs*** will not be contacted by KAM regarding this matter.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter.Sincerely,JENNIFER MA***Chief Compliance Officer

Kirkland Asset Management LLC (“KAM”) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriouslyThank you for bringing Ms***’s complaint to our attentionMs***’s account
is settled in full with our office, therefore, no one should be contacting Ms*** regarding the accountI have tried to contact Ms*** to obtain further information from her such as what company is calling her and for what accountI have not heard from Ms*** and wish for her to contact me directly at ###-###-#### so that I can provide any further assistance Ms*** may requireI look forward to hearing from Ms***Thank you for your time and consideration with regard to this matterSincerely, JENNIFER M

February 2, 2016Revdex.comBryant Woods SouthAmherst, New York 14228Attn: Lou Ann PedersonRe: *** *** *** *** ***Dear Lou Ann:Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM
regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Ms***’ complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Ms***’ complaint, KAM conducted an internal investigation with regard to this matterKAM has concluded that we respectfully disagree with Ms***’ description of what transpiredKAM takes its legal compliance and customer services very seriously and recognizes this complaint as suchKAM does not condone such collection activity and maintains direct business-like and legally compliant practices and proceduresWe train our staff to honor consumers’ rights and privacy and to maintain a courteous and civil dialogue with those we contact.A full investigation into Ms***’ allegations has been completedWhile there are some similarities to what Ms*** claims, the majority of her statements are exaggeratedOur associate attempted to assist Ms*** by giving her the website to download a form that would allow her to “officially” state to us that this is a case of fraudThe associate spoke to Ms*** with the utmost respect and professionalism.Please note that KAM has not contacted nor attempted to contact Ms*** since the aforesaid conversation took placeUpon receipt of the complaint we closed Ms***’ as fraud and returned same to our clientTherefore, Ms*** will not be contacted by KAM with regard to this matter.Providing the highest quality of service is of the utmost importance to us, therefore, on behalf of our staff, we commit to you that we will continue to provide the highest quality of service.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter.Sincerely,JENNIFER MA***Chief Compliance Officer

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriouslyThank you for bringing Mr***’ complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Mr***’ complaint, KAM conducted an investigation with regard to this matter and KAM must respectfully disagree with Mr***KAM takes its legal compliance and customer services very seriously and recognizes this complaint as suchKAM does not condone such collection activity and maintains direct business-like and legally compliant practices and proceduresAs you are aware we conduct skip-tracing functions when trying to contact our client’s customersTherefore, upon completing skip-tracing information of which included compiling location information, KAM attempted to leave messages for Mr*** to contact usOn 4/28/2016, there were two calls made to two different numbers on the account (one call each)The first call resulted in a message left on an answering machineThe second call was a message left with a third party to contact KAMBoth calls were in accordance with the FDCPA and all applicable consumer protection lawsTherefore, the threatening calls Mr*** has indicated he received, was not generated by anyone from KAMIn regards to Mr***’ request for KAM to stop communications with him, please be advised that upon receipt of Mr***’ complaint, KAM closed and returned his account to our client, therefore, Mr*** will not be contacted by KAM with regard to this matterPlease feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matterSincerely, JENNIFER M

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

This will acknowledge and thank you for alerting us to complaint ID *** and we appreciated the chance to respondKirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes
these matters very seriously.Upon receiving notification of *** *** complaint, KAM conducted an internal investigation with regard to this matter and the Account Manager responsible was interviewed.While KAM feels it did not violate any state or federal laws, it appears there may be a misinterpretation of the message leftAll of KAM’s messages are FDCPA compliantThe Account Manager was coached and retrained on leaving messages that leaves no room for misinterpretation or confusion.None of the allegations in costumer’s complaint to the Revdex.com could be verifiedAs such, it was determined that during the servicing of *** *** account, KAM 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.Regardless, upon receiving the aforesaid complaint, KAM closed *** *** account and returned same to our client*** *** will not be contacted by KAM regarding this matter.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter.Sincerely,*** ** ***Chief Compliance Officer

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriously.Thank you for bringing Ms*** complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Ms*** complaint, we had reached out to her on or about April 5, and are awaiting information from Ms*** in order to remediate the issue that the consumer has brought to our attentionAs of today’s date, we have not received any information from Ms.***If there are any questions regarding this issue, our Compliance Department can be reached at ###-###-####.Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter

Kirkland Asset Management LLC (KAM) strives to provide the highest quality of service to our clients and our client’s customersTherefore, KAM regrets hearing otherwise and takes these matters very seriouslyThank you for bringing Mr***’s complaint to our attention and we appreciate the
opportunity to respondPlease be advised that we have found that we are not now nor ever have been in possession of an account belonging to Mr***Please feel free to contact me if you should require additional informationI thank you for your time and consideration with regard to this matter