Monarch Recovery Management, Inc

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Ido not gave any outstanding debt. It is a case of mistaken identity. Possibly my ex sister in law, her name is [redacted] Who they were looking for. No more phone calls from a collection agency. 
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
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]

Monarch is in receipt of the above Revdex.com complaint.  I have conducted an investigation in to the allegations contained therein and submit the following in reply.           The consumer claimed that Monarch Recovery Management was calling a number...

ending in [redacted] multiple time per day to harass her.           Monarch’s consumer was called on this number within the parameters permitted under the FDCPA and State law.  Monarch called this number never reaching a person.  No messages were left on this number.           On October 5, 2016, Monarch received a call into this agency from the telephone number ending in [redacted].  The individual who called into Monarch identified himself as Randy Neville and he indicated that he was the spouse of the person listed on the account that was placed with Monarch.           During the call, the Monarch agent identified the current creditor, “[redacted]” for an account that was originally with “[redacted] Bank”.  [redacted] indicated that he would speak to his wife and then get back to the Monarch agent.           The next day, October 6, 2016, this Revdex.com complaint was filed.  As a result of the receipt of this complaint, the account that was placed at Monarch was returned to the creditor, [redacted]  If the consumer believes that this account does not belong to her, or needs documents to validate the debt, she should contact [redacted] directly.  Because the account is no longer at this agency, Monarch cannot assist the consumer with any further inquiries into this account.           Should you have any further questions, please feel free to contact me at any time ###-###-####.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I insist that this company not contact me again and change their practices. It is of no surprise to read about lawsuits and complaints regarding shady doings. 
Regards,
[redacted]

August 9, 2016I have received the consumer’s complaint and conducted an investigation. The consumer does not have an account with this agency.  I was able to determine that we were calling the telephone number that the consumer provided in an attempt to reach a different party.  These...

telephone calls were not “robo calls”.  At the time we received this complaint, the consumer’s telephone number was removed from our system.  The consumer should not receive any further calls from Monarch.If there are any further questions, please feel free to contact me at any time.ll us why here...

Monarch would like to assist this consumer, but without being provided the telephone number that was called cannot remove from our records.  We do not have an account under this consumer's name.  The consumer could be assisted more quickly if she calls Monarch's toll free number...

[redacted] and asks for one of the collection managers.  They will gladly assist the consumer with removing her number from our records.Monarch cannot respond to any of the other allegations contained in the complaint because no account on our records has this consumer's name.If the consumer needs any further assistance, she can ask for my office directly at extension [redacted].  Thank youCheryl *. C[redacted]General Counsel/Chief Compliance Officer

Monarch is in receipt of this consumer’s complaint and has conducted an investigation.  Please accept this correspondence in response.           Please accept Monarch’s apology as to any confusion or miscommunication over the payments that were made...

on this account.  A review of the account notes indicates that you entered into an agreement where you made an initial payment of $2300.00, and then set up 10 payments in the amount of $330.00 per month.  There was supposed to be a final payment made on the account in February 2015 which would have completed the arrangement.  However, that did not occur.  The account was closed back to the creditor, [redacted], [redacted]. as of May 6, 2015.           From your complaint, it appears that the account was then assigned to subsequent collection agencies to collect on the remaining balance.  Monarch did not have the account from May 6, 2015 forward.           In an attempt to assist you with your request to have the creditor, [redacted], N.A. mark your account as “settled” for the amount paid ($5,600), Monarch contacted [redacted], N.A. and made the request on your behalf.  Monarch recently received confirmation that the creditor, [redacted], N.A. has reviewed your account and marked your account settled.  You will receive a letter confirming that your account is settled under separate cover.           You also indicate that you would like your credit report corrected.  Monarch is not a credit reporting agency and does not report to credit bureaus at all.  Your request regarding your credit report must be addressed directly to the creditor, [redacted], N.A. ###-###-####.           Should you have any further questions, please feel free to contact me at any time ###-###-####.                                           ...⇄ Very Truly Yours,                                           ...⇄ Cheryl *. C[redacted]                                         ...⇄ General Counsel/                                         ...⇄ Chief Compliance Officer

Monarch is in receipt of the consumer rejection and his redacted letter from [redacted].  Please accept this submission in response to the consumer's rejection.
Monarch was sent an account from [redacted] that has the consumer's name on it, and a name of another consumer that I am not permitted to disclose.  The address for the account that was sent to Monarch is the same as that provided by the consumer.  Unfortunately, Monarch was not provided with any other information upon which we could confirm whether the account that was placed with this agency is for this consumer, or another consumer with a similar name.  We would need a date of birth, and the last four digits of the social to confirm.
At the time the original complaint from the consumer was received, Monarch removed the telephone number from our system so that the consumer would not be contacted by Monarch any more.  Additionally, Monarch has noted the account and closed it back to our client.  Unfortunately, Monarch cannot do anything further for this consumer.  It is suggested that the consumer contact [redacted] and ask the creditor to cross-reference the account that was at this agency with his information.  Hopefully that process would bring a final resolution to the issue the consumer is experiencing. 
If the consumer has any further questions or concerns, s/he may reach out to me personally at ###-###-#### xt [redacted].
I apologize that Monarch cannot conclusively resolve whether this account that was placed here is this consumer's or another person's with a similar name, and with the same address. 
Cheryl ** C[redacted]
General Counsel/Chief Compliance Officer

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: I have never received information of paying the last payment. My payments to Monarch were direct deposit payments that were paid to you monthly.  I need to know if I need to pay the last payment to settle this account. Also would like to correct you of the amount of my balance from the collection agencies. They told me my balance was $12,523.76.  Is this true wil I continue to receive calls from credit agencies your statement is not clear.  I would also like to know when was my account settled by your company for my credit score rating and why did I need to call about this issue so many times.  This could have been settled in 2015 but you would not return my calls. Please let me know if this is completely settled or do I owe one more payment.  When will I receive the letter of settlement form [redacted]. Regards,
[redacted]