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 would like the opportunity to respond to the response from
M&S Recovery. I would like to state
that I am currently fulfilling my debts through an accredited Debt
Consolidation agency; however, I could not forward the debt information from
M&S Recovery to them because they refused to validate the debt. How could I
even know what debt they were looking to collect? I tried to call them numerous
times and just received dead air on the other end for twenty minutes straight,
each time. This agency uses numerous numbers to harass people; many of which
are probably not even valid. Any reputable agency would send you a letter right
from the start. Instead, they chose to harass myself and my family, all over the
entire East Coast. My mother has seventeen (17) threatening recorded messages
from them alone saved on her answering machine, in case proof is ever needed. I
couldn’t help but notice that this agency did not address the relentless
harassment towards me and my family in their rebuttal. Last week, after MANY repeated attempts, they finally sent
me not one, but two validation letters for the ONLY debt I owe them. It is just
a shame that I had to file numerous complaints about this deceitful company in
order to resolve this issue. That information has been forwarded to the Debt
Consolidation agency and will be paid through them.
I want it noted that M&S Recovery are a bunch of
unprofessional bullies and should be shut down immediately. There is even a
warning on the Upstate New York Revdex.com website warning consumers not to deal with
them due to overwhelming complaints involving threats and harassment. How dare
they accuse me of acting in the same manner as them. I am working very hard to
resolve my debt, and if they had been straightforward with me right from the
beginning, then all of this could have been avoided. It is only through
consumer awareness and notifying the proper channels, can these bottom feeders
get what is coming to them. I would warn anyone to simply Google them and all
of the fake numbers they use before entering into any kind of agreement with
these ss. Avoid dealing with them at all cost. ,Regards, [redacted]
April 1, 2016[redacted] Complaint Handler Revdex.com of Upstate New York 100 Bryant Woods South Amherst, NY 14228Re: Complaint [redacted]Dear [redacted]:As it appears that Ms. [redacted] has filed similar complaints with both the CFPB and with the Revdex.com, we have addressed both with a single...
reply in order that each of your offices receives the same information.M&S Recovery (M&S) has investigated the complaint above and would like to respond with our findings. M&S is a third party collection agency performing collection activity for multiple creditors in accordance with law. We do so utilizing information obtained from public record and from the creditors themselves, which we presume to be accurate until notified otherwise.As each of your offices is well aware, federal law prohibits collection agencies from disclosing any account level or consumer non-public information to any party other than the consumer being sought, or that person’s authorized representative. In order to comply with law, collection representatives are taught to request certain information already existing in the account information, from consumers to demonstrate that the person reach is indeed the consumer being sought. When expressed poorly, or when a consumer exhibits caution in providing such information, conflicts sometimes occur. M&S would like to apologize to Ms. [redacted] for the failure on its representative’s part to make himself understood clearly, and for the frustration expressed in his hanging up on Ms. [redacted]. This was inexcusable behavior on the representative’s part, and he has been disciplined according to our policies for such.To be clear, Ms. [redacted]’ creditor often evaluates accounts for judgment in the event that an account cannot be recovered during the collection process, but M&S Recovery does not file suit against consumers, nor does it intend to do so.As Ms. [redacted]’ complaint indicates that she is willing to address her debt, I invite her to reach out to me directly at 716-328-0136 to do so. I will work personally with her to resolve the matter. Due to the complaint, however, M&S will not reach out to Ms. [redacted] without her specific permission to do so.I trust that both the Revdex.com and the CFPB find this solution acceptable, and that Ms. [redacted] will as well.Sincerely,[redacted] H[redacted] M&S Recovery, LLC
M&S Recovery (M&S) received and investigated the complaint above and has not been ableto locate any specific account given the information provided. As such, we are unable totake any action, or even provide a specific reply.It is possible that a number is being called in an attempt to reach...
another party and, ifnotified by Ms. [redacted] that the person was not reachable at that number, it should have beenremoved. If this is the case, M&S apologizes.Please ask Ms. [redacted] to provide the specific telephone number at which she is beingcontacted so that we may investigate further. One suggestion to offer is that, in the case ofPBX type systems, where one telephone number might service multiple lines, the specificnumber being called may be different from the published telephone number of the business.It may be that another number entirely is being called and is simply reaching Ms. [redacted]instead. This may make it much more difficult to determine the number being dialed. Inthat case, Ms. [redacted] may wish to contact us directly in order that we can work with her toresolve this issue.Thank you,M & S Recovery, LLCSeptember 21, 2015M & S Recovery (M&S) has received your communication regarding the complaint above, and is concerned as we responded on the same day as the complaint was received. For your convenience, we have attached a copy of the original reply, sent September 4th.It should be noted that we attempted to reach out to Ms. [redacted] at the numbers provided in her complaint but did not receive a return call. In order for us to find and remove the telephone number provided, we need to hear from her, and to work with her to determine exactly what number was called.Thank you,M & S Recovery, LLC
M&S Recovery (M&S) received and investigated the complaint above, and has determined that its representative acted in a manner that was argumentative and significantly outside our expectations. M&S...
apologizes to Ms. [redacted] for her inconvenience, and has addressed the issue with the representatives involved. Review of M&S’ records do not reveal any instance of threatening to take Ms. [redacted]’s taxes, something M&S is not legally able to do. Review of the records did, however, reveal an issue with the manner in which consumer correspondence is automatically generated and sent. We believe the issue is resolved, and have sent a settlement offer to Ms. [redacted] per her original request and our original promise. We thank her for bringing this issue to our attention, as it did not involve many letters, but any failure of this nature is of great concern. M&S has reached out to Ms. [redacted] to confirm her receipt of the correspondence requested, and to provide her with the customer service experience she should have enjoyed initially. We have not heard back from her as of this time, but hope to help her resolve this delinquent account quickly and courteously. Please do not hesitate to reach out to M&S Recovery should we be able to provide more information on this issue. Sincerely, M&S Recovery, LLC
We had been working directly with the consumer and have been awaiting information that only she can provide. Please see attached response.Date: July 24th, 2015Please excuse the tardiness of this response; we were waiting for additional information from Ms. [redacted], which we have not yet...
received.M & S Recovery Solutions (M&S) has taken the opportunity to review and investigate the complaint. We have followed up with Ms. [redacted] directly to help resolve the matter. Ms. [redacted] was working with us and her bank directly to resolve any issue that we may have caused in reference to her account.In reviewing the conversations between Ms. [redacted] and M&S, Ms. [redacted] agreed to an arrangement and then called to change it to an earlier date. Our representative acknowledged and processed her payment in accordance with her directive. Unfortunately, the representative failed to cancel the original transaction, which caused a second payment to be processed. While the full amount of the transaction was refunded, Mrs. [redacted] had multiple overdraft fees that she believes were caused by the duplicate payment.At this time we are in receipt of a redacted bank statement from Ms. [redacted] indicating overdrafts. Since the information we received thus far from Ms. [redacted] is inconclusive (due both to her over redacting the statement and indication of other payments posted) we have requested Ms. [redacted] provide a less redacted statement so the payment processing team can work with both Ms. [redacted] and her bank to resolve this matter. In the interim, M&S Recovery systems has advised Ms. [redacted]’ creditor that her delinquent debt has been paid.As Ms. [redacted] has not yet provided the requested additional information, this matter remains open in our office. We will notify your office when this matter is fully resolved.Thank you,Scott M Office ManagerM & S Recovery
Please see attached response. Thank you.November 28, 2016[redacted], Complaint Handler Revdex.com of Upstate NY 100 Bryant Woods South Amherst, NY 14228RE: Complaint [redacted]Dear [redacted]:M&S Recovery (M&S) has reviewed the complaint above, but we are confused about...
this particular issue. Our records indicate that Ms. [redacted] set up payments on the account in question in August, with three payments to pay the account in full. While the initial two payments each needed to be rescheduled, and with new card numbers, Ms. [redacted] indicated that the payment of November 18th was to proceed as scheduled. Accordingly, the final payment was processed successfully, paying her account in full.On November 21st, prior to our receipt of this complaint, Ms. [redacted] called our office to obtain a “paid” letter indicating that her account had been paid in full. She made no reference of any complaint being filed and only asked for the letter indicating that the account was paid. As it it M&S’ policy to wait 10 business days before sending such a letter, in order to be sure that the payment has cleared, Ms. [redacted] was informed that she could call back after that time had elapsed, but was also told that the letter would be automatically generated 30 days after the payment date. Ms. [redacted] thanked the representative and ended the phone call with no indication that she believed a payment had been taken without her authorization or that she had filed a complaint with the Revdex.com. A call from our Compliance Department to the number provided in her complaint went unreturned.At this point, as Ms. [redacted] has requested a “paid” letter, and as she has contacted our office directly, we are operating under the assumption that Ms. [redacted] had forgotten the scheduled date of her payment and later remembered. While we apologize for any confusion, M&S believes its actions are in accordance with law and according to the wishes of Ms. [redacted] at the time she scheduled her payments. We will be sending her “paid” letter in accordance with our policy.Please do not hesitate to reach out should your office require further information.M&S Recovery, LLC Compliance Department
Thank you for the opportunity to address this inquiry. Our response is attached.Regards, M & S Recovery Solutions, LLCM & S Recovery Solutions, LLC (M&S) has taken the opportunity to review and investigate the complaint. Based on the information provided in the...
complaint, we can find no indication of an account for [redacted]. We have searched our data base for a similar address, a similar name and they too have yielded nothing. Given the information provided, we believe that Mr. [redacted] may have been contacted by someone other than M&S Recovery Solutions. Please ask Mr. [redacted] to provide the telephone numbers at which he and others have been contacted. We will research our records to determine if calls have been placed to any of those numbers. We will also place those numbers on our internal “Do Not Call” list. We look forward to resolving this matter. Thank you, Terry [redacted] Office Manager M & S Recovery Solutions, LLC
Please see attached response.TerryM&S Recovery (M&S) has received Ms. [redacted]’s complaint and would like to apologize for her inconvenience. M&S is a third party debt collection agency contracted by creditors to collect payment of charged off debt. We do so by using information provided by...
the creditors and with information obtained from public records, which we believe to be accurate when obtained. It appears Ms. [redacted]’s telephone number was called in an attempt to reach another party who may have had that number at some point in the past. Once again, we apologize for any concern Ms. [redacted] may have. She has no account placed at our office. We have removed the telephone number referenced [redacted]) from the account in question, and have taken the additional step of adding it to our internal “Do Not Call” list, preventing it from being dialed by our system. Ms. [redacted] will not be contacted further by M&S regarding this matter. If there are any other telephone numbers at which Ms. [redacted] is being contacted, please ask her to relay those numbers to us so that we may remove them as well. By removing Ms. [redacted]’s telephone number from the account and by entering that number into our “Do Not Call” list, we hope that we have satisfied the complaint and eased Ms. [redacted]’s concerns. Please don’t hesitate to reach out if you have additional concerns. Sincerely, M&S Recovery Solutions
M&S Recovery (M&S) received and investigated Ms. [redacted]’s complaint referenced above. M&S is a third party collection agency contracted to collect charged off debt owed to its clients. We do so using information provided by the creditors, along with information obtained from public records...
which we presume is accurate when obtained. To address Ms. [redacted]’s complaint, I can find no indication of any call placed before 8AM local time to Ms. [redacted]. Our systems are programmed to not permit telephone calls prior to 8AM in each time zone. As each call is logged when dialed, I believe Ms. [redacted] may be mistaken, or has been contacted by someone other than M&S. Review of several calls on the account reveal that M&S could have better assisted Ms. [redacted], and for that, I apologize on behalf of M&S and its staff. Review did not, however, indicate that the representative was initially critical of Ms. [redacted]’s reliance on social security, but simply surprised. The manner in which the surprise was expressed apparently caused the conversation to become increasingly argumentative. I have counseled our representative, but feel that both parties contributed to the escalation. As Ms. [redacted]’s complaint indicates she wants no further calls, I have closed the account in our office as “Efforts Exhausted” and have returned it to her creditor. Ms. [redacted] will not be contacted further by M&S Recovery regarding this matter. Sincerely, Terry H[redacted], Agency Manager
Please see attached response - [redacted]February 23, 2016Revdex.com 100 Bryant Woods South Buffalo, NY 14228Re: Complaint #[redacted] – [redacted]Dear [redacted]:M&S Recovery (M&S) received and investigated Ms. [redacted]’s complaint referenced above. M&S would like to apologize to...
Ms. [redacted] for the confusion regarding her payments. I have personally reached out to her and have corrected the issue here.When our representative discussed options with Ms. [redacted], she discussed a multiple payment method whereby Ms.[redacted] could make a small down payment and complete the repayment a month later. Due to confusion on the part of our representative, payment was mistakenly processed. We have refunded that payment to Ms. [redacted] and have placed her on a payment plan with which she fees comfortable. We again apologize to Ms. [redacted] for the confusion.I will be working personally with Ms. [redacted] going forward, providing her with a single point of contact at M&S, and she will contact me each month to make her payment on the day she is able to do so.I trust the explanation above satisfies this complaint with your office, but please do not hesitate to reach out if you require more information.Terry H[redacted] M&S Recovery, LLC
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 would like the opportunity to respond to the response from
s. Avoid dealing with them at all cost. ,Regards, [redacted]
M&S Recovery. I would like to state
that I am currently fulfilling my debts through an accredited Debt
Consolidation agency; however, I could not forward the debt information from
M&S Recovery to them because they refused to validate the debt. How could I
even know what debt they were looking to collect? I tried to call them numerous
times and just received dead air on the other end for twenty minutes straight,
each time. This agency uses numerous numbers to harass people; many of which
are probably not even valid. Any reputable agency would send you a letter right
from the start. Instead, they chose to harass myself and my family, all over the
entire East Coast. My mother has seventeen (17) threatening recorded messages
from them alone saved on her answering machine, in case proof is ever needed. I
couldn’t help but notice that this agency did not address the relentless
harassment towards me and my family in their rebuttal. Last week, after MANY repeated attempts, they finally sent
me not one, but two validation letters for the ONLY debt I owe them. It is just
a shame that I had to file numerous complaints about this deceitful company in
order to resolve this issue. That information has been forwarded to the Debt
Consolidation agency and will be paid through them.
I want it noted that M&S Recovery are a bunch of
unprofessional bullies and should be shut down immediately. There is even a
warning on the Upstate New York Revdex.com website warning consumers not to deal with
them due to overwhelming complaints involving threats and harassment. How dare
they accuse me of acting in the same manner as them. I am working very hard to
resolve my debt, and if they had been straightforward with me right from the
beginning, then all of this could have been avoided. It is only through
consumer awareness and notifying the proper channels, can these bottom feeders
get what is coming to them. I would warn anyone to simply Google them and all
of the fake numbers they use before entering into any kind of agreement with
these s
April 1, 2016[redacted] Complaint Handler Revdex.com of Upstate New York 100 Bryant Woods South Amherst, NY 14228Re: Complaint [redacted]Dear [redacted]:As it appears that Ms. [redacted] has filed similar complaints with both the CFPB and with the Revdex.com, we have addressed both with a single...
reply in order that each of your offices receives the same information.M&S Recovery (M&S) has investigated the complaint above and would like to respond with our findings. M&S is a third party collection agency performing collection activity for multiple creditors in accordance with law. We do so utilizing information obtained from public record and from the creditors themselves, which we presume to be accurate until notified otherwise.As each of your offices is well aware, federal law prohibits collection agencies from disclosing any account level or consumer non-public information to any party other than the consumer being sought, or that person’s authorized representative. In order to comply with law, collection representatives are taught to request certain information already existing in the account information, from consumers to demonstrate that the person reach is indeed the consumer being sought. When expressed poorly, or when a consumer exhibits caution in providing such information, conflicts sometimes occur. M&S would like to apologize to Ms. [redacted] for the failure on its representative’s part to make himself understood clearly, and for the frustration expressed in his hanging up on Ms. [redacted]. This was inexcusable behavior on the representative’s part, and he has been disciplined according to our policies for such.To be clear, Ms. [redacted]’ creditor often evaluates accounts for judgment in the event that an account cannot be recovered during the collection process, but M&S Recovery does not file suit against consumers, nor does it intend to do so.As Ms. [redacted]’ complaint indicates that she is willing to address her debt, I invite her to reach out to me directly at 716-328-0136 to do so. I will work personally with her to resolve the matter. Due to the complaint, however, M&S will not reach out to Ms. [redacted] without her specific permission to do so.I trust that both the Revdex.com and the CFPB find this solution acceptable, and that Ms. [redacted] will as well.Sincerely,[redacted] H[redacted] M&S Recovery, LLC
M&S Recovery (M&S) received and investigated the complaint above and has not been ableto locate any specific account given the information provided. As such, we are unable totake any action, or even provide a specific reply.It is possible that a number is being called in an attempt to reach...
another party and, ifnotified by Ms. [redacted] that the person was not reachable at that number, it should have beenremoved. If this is the case, M&S apologizes.Please ask Ms. [redacted] to provide the specific telephone number at which she is beingcontacted so that we may investigate further. One suggestion to offer is that, in the case ofPBX type systems, where one telephone number might service multiple lines, the specificnumber being called may be different from the published telephone number of the business.It may be that another number entirely is being called and is simply reaching Ms. [redacted]instead. This may make it much more difficult to determine the number being dialed. Inthat case, Ms. [redacted] may wish to contact us directly in order that we can work with her toresolve this issue.Thank you,M & S Recovery, LLCSeptember 21, 2015M & S Recovery (M&S) has received your communication regarding the complaint above, and is concerned as we responded on the same day as the complaint was received. For your convenience, we have attached a copy of the original reply, sent September 4th.It should be noted that we attempted to reach out to Ms. [redacted] at the numbers provided in her complaint but did not receive a return call. In order for us to find and remove the telephone number provided, we need to hear from her, and to work with her to determine exactly what number was called.Thank you,M & S Recovery, LLC
M&S Recovery (M&S) received and investigated the complaint above, and has determined that its representative acted in a manner that was argumentative and significantly outside our expectations. M&S...
apologizes to Ms. [redacted] for her inconvenience, and has addressed the issue with the representatives involved. Review of M&S’ records do not reveal any instance of threatening to take Ms. [redacted]’s taxes, something M&S is not legally able to do. Review of the records did, however, reveal an issue with the manner in which consumer correspondence is automatically generated and sent. We believe the issue is resolved, and have sent a settlement offer to Ms. [redacted] per her original request and our original promise. We thank her for bringing this issue to our attention, as it did not involve many letters, but any failure of this nature is of great concern. M&S has reached out to Ms. [redacted] to confirm her receipt of the correspondence requested, and to provide her with the customer service experience she should have enjoyed initially. We have not heard back from her as of this time, but hope to help her resolve this delinquent account quickly and courteously. Please do not hesitate to reach out to M&S Recovery should we be able to provide more information on this issue. Sincerely, M&S Recovery, LLC
We had been working directly with the consumer and have been awaiting information that only she can provide. Please see attached response.Date: July 24th, 2015Please excuse the tardiness of this response; we were waiting for additional information from Ms. [redacted], which we have not yet...
received.M & S Recovery Solutions (M&S) has taken the opportunity to review and investigate the complaint. We have followed up with Ms. [redacted] directly to help resolve the matter. Ms. [redacted] was working with us and her bank directly to resolve any issue that we may have caused in reference to her account.In reviewing the conversations between Ms. [redacted] and M&S, Ms. [redacted] agreed to an arrangement and then called to change it to an earlier date. Our representative acknowledged and processed her payment in accordance with her directive. Unfortunately, the representative failed to cancel the original transaction, which caused a second payment to be processed. While the full amount of the transaction was refunded, Mrs. [redacted] had multiple overdraft fees that she believes were caused by the duplicate payment.At this time we are in receipt of a redacted bank statement from Ms. [redacted] indicating overdrafts. Since the information we received thus far from Ms. [redacted] is inconclusive (due both to her over redacting the statement and indication of other payments posted) we have requested Ms. [redacted] provide a less redacted statement so the payment processing team can work with both Ms. [redacted] and her bank to resolve this matter. In the interim, M&S Recovery systems has advised Ms. [redacted]’ creditor that her delinquent debt has been paid.As Ms. [redacted] has not yet provided the requested additional information, this matter remains open in our office. We will notify your office when this matter is fully resolved.Thank you,Scott M Office ManagerM & S Recovery
Please see attached response. Thank you.November 28, 2016[redacted], Complaint Handler Revdex.com of Upstate NY 100 Bryant Woods South Amherst, NY 14228RE: Complaint [redacted]Dear [redacted]:M&S Recovery (M&S) has reviewed the complaint above, but we are confused about...
this particular issue. Our records indicate that Ms. [redacted] set up payments on the account in question in August, with three payments to pay the account in full. While the initial two payments each needed to be rescheduled, and with new card numbers, Ms. [redacted] indicated that the payment of November 18th was to proceed as scheduled. Accordingly, the final payment was processed successfully, paying her account in full.On November 21st, prior to our receipt of this complaint, Ms. [redacted] called our office to obtain a “paid” letter indicating that her account had been paid in full. She made no reference of any complaint being filed and only asked for the letter indicating that the account was paid. As it it M&S’ policy to wait 10 business days before sending such a letter, in order to be sure that the payment has cleared, Ms. [redacted] was informed that she could call back after that time had elapsed, but was also told that the letter would be automatically generated 30 days after the payment date. Ms. [redacted] thanked the representative and ended the phone call with no indication that she believed a payment had been taken without her authorization or that she had filed a complaint with the Revdex.com. A call from our Compliance Department to the number provided in her complaint went unreturned.At this point, as Ms. [redacted] has requested a “paid” letter, and as she has contacted our office directly, we are operating under the assumption that Ms. [redacted] had forgotten the scheduled date of her payment and later remembered. While we apologize for any confusion, M&S believes its actions are in accordance with law and according to the wishes of Ms. [redacted] at the time she scheduled her payments. We will be sending her “paid” letter in accordance with our policy.Please do not hesitate to reach out should your office require further information.M&S Recovery, LLC Compliance Department
Thank you for the opportunity to address this inquiry. Our response is attached.Regards, M & S Recovery Solutions, LLCM & S Recovery Solutions, LLC (M&S) has taken the opportunity to review and investigate the complaint. Based on the information provided in the...
complaint, we can find no indication of an account for [redacted]. We have searched our data base for a similar address, a similar name and they too have yielded nothing. Given the information provided, we believe that Mr. [redacted] may have been contacted by someone other than M&S Recovery Solutions. Please ask Mr. [redacted] to provide the telephone numbers at which he and others have been contacted. We will research our records to determine if calls have been placed to any of those numbers. We will also place those numbers on our internal “Do Not Call” list. We look forward to resolving this matter. Thank you, Terry [redacted] Office Manager M & S Recovery Solutions, LLC
Please see attached response.TerryM&S Recovery (M&S) has received Ms. [redacted]’s complaint and would like to apologize for her inconvenience. M&S is a third party debt collection agency contracted by creditors to collect payment of charged off debt. We do so by using information provided by...
the creditors and with information obtained from public records, which we believe to be accurate when obtained. It appears Ms. [redacted]’s telephone number was called in an attempt to reach another party who may have had that number at some point in the past. Once again, we apologize for any concern Ms. [redacted] may have. She has no account placed at our office. We have removed the telephone number referenced [redacted]) from the account in question, and have taken the additional step of adding it to our internal “Do Not Call” list, preventing it from being dialed by our system. Ms. [redacted] will not be contacted further by M&S regarding this matter. If there are any other telephone numbers at which Ms. [redacted] is being contacted, please ask her to relay those numbers to us so that we may remove them as well. By removing Ms. [redacted]’s telephone number from the account and by entering that number into our “Do Not Call” list, we hope that we have satisfied the complaint and eased Ms. [redacted]’s concerns. Please don’t hesitate to reach out if you have additional concerns. Sincerely, M&S Recovery Solutions
M&S Recovery (M&S) received and investigated Ms. [redacted]’s complaint referenced above. M&S is a third party collection agency contracted to collect charged off debt owed to its clients. We do so using information provided by the creditors, along with information obtained from public records...
which we presume is accurate when obtained. To address Ms. [redacted]’s complaint, I can find no indication of any call placed before 8AM local time to Ms. [redacted]. Our systems are programmed to not permit telephone calls prior to 8AM in each time zone. As each call is logged when dialed, I believe Ms. [redacted] may be mistaken, or has been contacted by someone other than M&S. Review of several calls on the account reveal that M&S could have better assisted Ms. [redacted], and for that, I apologize on behalf of M&S and its staff. Review did not, however, indicate that the representative was initially critical of Ms. [redacted]’s reliance on social security, but simply surprised. The manner in which the surprise was expressed apparently caused the conversation to become increasingly argumentative. I have counseled our representative, but feel that both parties contributed to the escalation. As Ms. [redacted]’s complaint indicates she wants no further calls, I have closed the account in our office as “Efforts Exhausted” and have returned it to her creditor. Ms. [redacted] will not be contacted further by M&S Recovery regarding this matter. Sincerely, Terry H[redacted], Agency Manager
Please see attached response - [redacted]February 23, 2016Revdex.com 100 Bryant Woods South Buffalo, NY 14228Re: Complaint #[redacted] – [redacted]Dear [redacted]:M&S Recovery (M&S) received and investigated Ms. [redacted]’s complaint referenced above. M&S would like to apologize to...
Ms. [redacted] for the confusion regarding her payments. I have personally reached out to her and have corrected the issue here.When our representative discussed options with Ms. [redacted], she discussed a multiple payment method whereby Ms.[redacted] could make a small down payment and complete the repayment a month later. Due to confusion on the part of our representative, payment was mistakenly processed. We have refunded that payment to Ms. [redacted] and have placed her on a payment plan with which she fees comfortable. We again apologize to Ms. [redacted] for the confusion.I will be working personally with Ms. [redacted] going forward, providing her with a single point of contact at M&S, and she will contact me each month to make her payment on the day she is able to do so.I trust the explanation above satisfies this complaint with your office, but please do not hesitate to reach out if you require more information.Terry H[redacted] M&S Recovery, LLC