Monarch Recovery Management

From:? [redacted] ***? < [redacted] @***.com>Date: Wed, Mar 2, at 4:PMSubject: Complaint ID [redacted] - request to closeTo:? [email protected] whom it may concern:I am trying to update my complaint on the Revdex.com database but see no place to do soI spoke with Cheryl from Monarch Recovery Management in PA today at? 2pm MST? 3/2/She has diligently tried to find my number in their records with no luck, and realized this has happened before to others who have called into their companyThere is a possible "zombie" debt company in California under the name Monarch Recovery Services that has been reported calling people for weeks on endWe both think this is the situation and I would like to accept (or resolve) the complaintThere is no further action to take and nothing Monarch Recovery Management of PA can do in this situation.Thank you[redacted]

Monarch is in receipt of the consumer complaint I have conducted an investigation into the consumer allegations and offer the following in reply Monarch Recovery Management is a third-party collection agency that is retained to collect on the debts of creditors An account was placed with Monarch on July 1, by [redacted] for a person with the same name as the consumer, and with an address that matches that provided by the consumer Monarch has sent letters to the consumer at the same address that was provided by the consumer indicating the details of the alleged debt Prior to this complaint, Monarch had not received any communication from the consumer indicating that there was an allegation of fraud, or that the validity of the debt was disputed No mail Monarch addressed to the consumer at this address was ever returned Monarch has attempted to call and speak to the consumer, however we were never successful in reaching anyone Monarch has closed this account with our agency, however this does not erase the debt allegedly owed by the consumer It is recommended that the consumer follow up with the original creditor identified in the letters that he has received to resolve any further conflict If there are any further questions, please feel free to have the consumer contact me Very Truly Yours, Cheryl [redacted] C [redacted] General Counsel/Chief Compliance Officer

Monarch no longer has the account that was placed with this agency by [redacted] ***relating to the account that was originally with " [redacted] Bank"? Monarch cannot assist the consumer in obtaining a final resolution other than by notifying the creditor of her allegation of "possible fraud"? Monarch has notified the creditor of this consumer's claim? [redacted] is encouraged to follow up with [redacted] ***directly for any additional concerns

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 payments in the amount of $per month There was supposed to be a final payment made on the account in February which would have completed the arrangement However, that did not occur The account was closed back to the creditor, [redacted] , ***as of May 6, 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, forward In an attempt to assist you with your request to have the creditor, [redacted] , N.Amark your account as “settled” for the amount paid ($5,600), Monarch contacted [redacted] , N.Aand made the request on your behalf Monarch recently received confirmation that the creditor, [redacted] , N.Ahas 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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: I have a screen shot of the messages of what my dad had sent me about Monarch Recovery contacting him 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 *** 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 ###-###-####

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 *** Thank youCheryl *C***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 responseIf no reason is received your complaint will be closed as Answered] ? Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I have proof of the calls coming in after 6pm and I did not tell them they had the wrong number - I told them I was filing complaints for trying to reach someone I have nothing to do with and disturbing my peace

[redacted] [redacted] I am rejecting this response because:Monarch states that the numbers they were calling match the numbers in their fileOn the phone, they stated that the "application" had our phone numbersThey are trying to use select wording to hide the fact that they got my number and my husbands number through research they did on our family backgroundI don't believe it is legal for Monarch to collect phone numbers that are NOT associated with this accountI would like to have it on file that they are not truthful regarding this complaintSTOP getting people's phone numbers and bothering othersIn our case we are senior citizensI am also complaining that they are not a legitimate collection agency [redacted] is the debt in question and [redacted] *** never contracted with Monarch to collect debt for themWhy are they allowed to conduct business this wayThey steal account information and try to get consumers to pay and then the debt never goes awayHow crazy is that Regards, Mary Kunkle

l have received the consumer-‘s response and Ioffer the following in reply.Monarch understands and also experiences frustration with reaching a wrong numberIt is andhas been Monarchs intention to reach the consumer directlyAs we have stated in our ?rstresponse, Monarch was not knowingly calling a wrong numberThe allegation made in thisresponse regarding Monarchs business practices are completely falseMonarch has conductedbusiness within all state and federal regulations, including the handling of this account.Monarch Recovery Management, Inchandled the removal of the wrong number appropriately[redacted] is not the party that Monarch was attempting to reachWhen Monarch wasinformedwe had reached a wrong number, the agent imrnediately removed the phone numberand no additional calls were made to that numberThe details of the account are a private matterbetween Monarch and the intended consumerThe details of this account cannot be discussed.This is not [redacted] Very Truly Yours, [redacted] Cheryl LC [redacted]

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 [redacted] C [redacted] General Counsel/Chief Compliance Officer

Monarch is in receipt of the consumer complaint. I have conducted an investigation into the consumer allegations and offer the following in reply Monarch Recovery Management is a third-party collection agency that is retained to collect on the debts of creditors. An account was placed with Monarch on July 1, by [redacted] for a person with the same name as the consumer, and with an address that matches that provided by the consumer. Monarch has sent letters to the consumer at the same address that was provided by the consumer indicating the details of the alleged debt. Prior to this complaint, Monarch had not received any communication from the consumer indicating that there was an allegation of fraud, or that the validity of the debt was disputed. No mail Monarch addressed to the consumer at this address was ever returned Monarch has attempted to call and speak to the consumer, however we were never successful in reaching anyone. Monarch has closed this account with our agency, however this does not erase the debt allegedly owed by the consumer. It is recommended that the consumer follow up with the original creditor identified in the letters that he has received to resolve any further conflict. If there are any further questions, please feel free to have the consumer contact me Very Truly Yours, Cheryl [redacted] C [redacted] General Counsel/Chief Compliance Officer

August 9, 2016I have received the consumer’s complaint and conducted an investigationThe 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

April 30, 2018Dear [redacted] ,We have received the details of your account and offer the following in reply.? Our records indicate that the confirmation letter that you requested was mailed on 04/20/18.? According to our records, the letter was sent within our policy timeframe.? We apologize for any inconvenience you have experienced.? We will re-send the letter to the address on file in case you have not received it yet.? ? Very Truly Yours,Cheryl C.? 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 responseIf 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 paymentMy 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 accountAlso would like to correct you of the amount of my balance from the collection agenciesThey told me my balance was $12, 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 but you would not return my callsPlease 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]

[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 meI insist that this company not contact me again and change their practicesIt is of no surprise to read about lawsuits and complaints regarding shady doings. 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]