Monarch is a third-party collection agency that is retained by creditors to collect debts owed to the creditor Monarch has an account here at this agency in the consumer's name, with the same address as that provided by the consumer, that was placed here by the [redacted] *** The calls we made to the consumer were in an attempt to collect the debt owed to [redacted] *** We do not leave messages unless we have permission from the consumer That is the reason that no message was left on his number It is adviseable that the consumer contact Monarch directly at ###-###-#### In the alternative, he should contact [redacted] with respect to the account that was placed with this agencyI have removed the consumer's telephone number from the call list, but the debt still remains Thank you for your attention to this matterCheryl LC [redacted] General Counsel/Chief Compliance Officer
I have reviewed the complaint submitted by the consumer Please accept this writing in response First the consumer should be made aware that the account from [redacted] is held in joint names The fact that it does not appear on her daughter's credit report does not mean that the account is not joint That may not have been what the consumer intended when her daughter was added to the account, but that is how the account appears at the present time I have listened to the recorded conversations with the Monarch representative, and there is nothing threatening or harassing in the call The consumer's complaint seems to relate to calls that she made directly to JCP in Monarch did not receive this account until January There is nothing that anyone at Monarch did other than call one of the account holders about the outstanding bill Monarch has removed the consumer's number from the system Neither she nor her daughter should receive any further calls from Monarch Thank you [redacted] General Counsel/Chief Compliance Officer
December 4, Dear [redacted] : Please be advised that I have received the above referenced Revdex.com complaint and conducted an investigation into your complaintPlease accept this letter in responseYour account indicates that you received a letter from Monarch dated July 31, indicating that our client, [redacted] , was willing to accept a settlement of 40% of your then outstanding balance to settle the account in fullOur client was willing to accept $if the settlement was made by September 30, 2015.On September 23, 2015, you called Monarch and indicated that you would like to take advantage of the settlement, but needed to break the payments down into three (3) monthly payments of $Monarch received approval from the creditor to accept the monthly payments of $on September 30, 2015, October 30, 2015, and November 30, In the recorded telephone call of September 23, 2015, you agreed to these settlement terms and indicated that you would be making the payments through your "online bill pay”On September 30, 2015, you left a voicemail for the Monarch representative that you would like to set up the first payment of the agreed upon settlementThe Monarch representative called back and was able to set that up with youThat payment went through with no issueNo payment was received from you on or before October 30, At this point the settlement agreement was brokenOn November 3, 2015, you called and left a voicemail message on the Monarch representative's line indicating that you could not make the $payment as promised, but could pay $After several calls back and forth between yourself and the Monarch representative, you set up a $payment for that same day, and indicated that you wanted to pay another $from a different account the following dayThe Monarch representative accepted the $payment, which went through with no problemThe next day, November 4, 2015, at your instruction, the Monarch representative put the $payment in for processing.During the November 4, call, the Monarch representative specifically indicated to you that in order for the settlement to be completed, you needed to pay $by November 30, Unfortunately, no payment was received from you on or before November 30, Pursuant to the original settlement agreement, the payments that you made were applied to your account, but you failed to make the required settlement payments and that offer expired on November 30, You received a new settlement offer letter from Monarch wherein the creditor is willing to accept 40% of the then outstanding balance in an amount of $That settlement offer is currently still available for the time period indicated in the letterIf you would like to set up a payment arrangement, or enter into the settlement agreement as outlined in the letter, please feel free to contact our officeThank you for your attention to this matter.Very Truly Yours, Cheryl CGeneral Counsel/ Chief Compliance Officer Thank you Cheryl [redacted] C***
This matter was assigned to Monarch by [redacted] s (the current debt owner) for collection on a [redacted] account with a balance of $(as of 1/14/15) The name and address on the account match that of the consumer as listed on the Revdex.com complaint We called the consumer on January 12, and spoke with him During that call the consumer indicated that he never had a [redacted] account and that it was a fraud As a result of that conversation, the collector properly noted the account as a fraud, and Monarch notified the debt owner The account is now closed with this agency Any further follow up regarding this account should be directed to the debt owner Thank you Cheryl *C [redacted] General Counsel
[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 Administratively Resolved] Complaint: [redacted] I am rejecting this response because:None of what they stated ever occurredThey sent me a settlement letter for the amount of $1,back in June (letter is attached)I proceeded to call them two weeks into July to see if the settlement amount was still available to me and to ensure this would be accepted if I sent a check to themThey immediately agreed over the phone and I informed them that I would send a check out for that amountI spoke to me father in law about the settlement because he had previously agreed to assist me with this if it was still validHe then wrote a check out to Monarch Revocery Management Incfor the stated amount and the check was immediately mailed out after it was writtenNo account information was ever given to them over the phone as it wasn't mine to give nor did I ever have the account information in my possessionMy father in law is very financially stable individual and therefore would not of had any issues with this transactionHe is working on obtaining the check information from his bank so that I can send this to you for verification that the check, did in fact clear and was cashedIn the mean time, I was given the receipt of the written check from him, at the time it was written and a picture of this is also attached for your recordsAlso, Monarch never made any attempts to contact me after the check was sent outNor did they respond to my written letters to rectify this situation when I was made aware of what what going onPlease let me know if there is anything else I can do or send you to verify that this transaction did in fact occur, other than the check info that I will be sending to you as soon as I receive it from my father in law, thank you for your assistance with this matter! Regards, [redacted]
I have received the consumer's complaint, and I have conducted an investigation into the allegations Please accept this correspondence in reply Monarch's computerized records indicate that we did not repeatedly call the consumer at his place of employment Monarch did call the place of employment on 6/5/ On that date we spoke with the consumer who informed our agent that it was not permissible to call his work The agent properly documented the account and removed the work number The call recording indicates that the consumer did not tell the collector that there was a fraud or that the account was disputed The consumer did indicate not to call his place of business again On 6/5/14, the Monarch agent properly noted account and removed the work telephone number As a result of receiving this complaint, Monarch has closed the account with this agency and reported to the creditor that the consumer disputes the debt Monarch cannot assist the consumer with the request to remove the account from the credit reports as this company does not report to any credit reporting agency For any issues regarding the consumer's credit report, the consumer will have to notify the original creditor and/or the credit bureaus of the issue Thank you for your attention to this matter [redacted] General Counsel/Chief Compliance Officer
Monarch has received the consumer complaint and conducted an investigation Please accept the following in reply July 22, 2013, the consumer requested a Settlement in the amount of $to be paid in one payment On that same date Monarch received permission from the creditor ***( [redacted] ) to accept the amount The consumer gave her information over the telephone for her checking information On 7/26/Monarch received notice that the check did not go through It was returned as NSF because there was an error in the account number Following the 7/26/notification that the check did not clear, Monarch attempted to reach the consumer several times until the creditor closed the account with this agency The consumer never paid the account because the check never cleared Monarch has not had the account and has not made any attempt to contact the consumer since October In May 2014, Monarch was assigned another delinquent account for collection The account that was placed here in May was from Synchrony Bank formerly known as [redacted] for a [redacted] credit card That account and the balance are not the same as the account that the consumer believed she had previously paid As a result of receiving the Revdex.com complaint, Monarch has closed the [redacted] account with this agency Any further information on either account should be addressed to the creditor directly Thank you Cheryl *C [redacted] General Counsel/Chief Compliance Officer
I am in receipt of the complaint by the consumer I have conducted an investigation into the complaint Please accept this correspondence in reply First, I need to correct the consumer Monarch Recovery Management did NOT and never has purchased the debt owed in this matter Monarch is a third-party collection agency hired by the creditor to collect on outstanding debt owed to the creditor In this case, the debt is currently owned by [redacted] Monarch does not have the information as to who originally owned the debt At the time that the debt was assigned to Monarch for collection, the balance reported by the creditor was $ The consumer sent in a check to Monarch in the amount of $ The check memo line indicated that the payment was for "medical bill" The amount of the check was less that Monarch was authorized to accept by the creditor As a result, Monarch sent a request to the creditor for permission to accept the check as settlement in full on the account There was no check sent by the consumer to Monarch in the amount of $as indicated in the complaint I have attached a copy of the consumer's check (blacking out the account #) Monarch did not receive permission from the creditor to accept the $as settlement in full on this account As a result the check was returned to the consumer under cover dated June 20, See copy of the letter attached The account was closed with this agency We are no longer servicing this account In order for the consumer to address this debt, Monarch suggests that the consumer contact Security Credit Services directly If the consumer has any additional questions, please have them contact the Compliance/Complaint department directly at ###-###-#### Thank you [redacted] General Counsel/Chief Compliance Officer
[redacted] needs to follow up with the original creditor, [redacted] Bank for the issue she is complaining about Monarch is a servicing agent only and has no authority to either add or delete a name from an account Monarch does not own this or any other debt Monarch has closed this account with this agency Contacting the original creditor should assist [redacted] with her issue Thank you [redacted] General Counsel
[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 Administratively Resolved] Complaint: [redacted] I am rejecting this response because: My daughter was a teenager and a student in High School and was legally, due to age, unable to negotiate a contract or be made financially responsible for this account She never deceived anyone and [redacted] never sent documents showing her as being financially responsible - nor did her name ever appear on any [redacted] statements Regards, [redacted] CC: Office of the Attorney General
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 is a third-party collection agency that is retained by creditors to collect debts owed to the creditor Monarch has an account here at this agency in the consumer's name, with the same address as that provided by the consumer, that was placed here by the [redacted] *** The calls we made to the consumer were in an attempt to collect the debt owed to [redacted] *** We do not leave messages unless we have permission from the consumer That is the reason that no message was left on his number It is adviseable that the consumer contact Monarch directly at ###-###-#### In the alternative, he should contact [redacted] with respect to the account that was placed with this agencyI have removed the consumer's telephone number from the call list, but the debt still remains Thank you for your attention to this matterCheryl LC [redacted] General Counsel/Chief Compliance Officer
I have reviewed the complaint submitted by the consumer Please accept this writing in response First the consumer should be made aware that the account from [redacted] is held in joint names The fact that it does not appear on her daughter's credit report does not mean that the account is not joint That may not have been what the consumer intended when her daughter was added to the account, but that is how the account appears at the present time I have listened to the recorded conversations with the Monarch representative, and there is nothing threatening or harassing in the call The consumer's complaint seems to relate to calls that she made directly to JCP in Monarch did not receive this account until January There is nothing that anyone at Monarch did other than call one of the account holders about the outstanding bill Monarch has removed the consumer's number from the system Neither she nor her daughter should receive any further calls from Monarch Thank you [redacted] General Counsel/Chief Compliance Officer
December 4, Dear [redacted] : Please be advised that I have received the above referenced Revdex.com complaint and conducted an investigation into your complaintPlease accept this letter in responseYour account indicates that you received a letter from Monarch dated July 31, indicating that our client, [redacted] , was willing to accept a settlement of 40% of your then outstanding balance to settle the account in fullOur client was willing to accept $if the settlement was made by September 30, 2015.On September 23, 2015, you called Monarch and indicated that you would like to take advantage of the settlement, but needed to break the payments down into three (3) monthly payments of $Monarch received approval from the creditor to accept the monthly payments of $on September 30, 2015, October 30, 2015, and November 30, In the recorded telephone call of September 23, 2015, you agreed to these settlement terms and indicated that you would be making the payments through your "online bill pay”On September 30, 2015, you left a voicemail for the Monarch representative that you would like to set up the first payment of the agreed upon settlementThe Monarch representative called back and was able to set that up with youThat payment went through with no issueNo payment was received from you on or before October 30, At this point the settlement agreement was brokenOn November 3, 2015, you called and left a voicemail message on the Monarch representative's line indicating that you could not make the $payment as promised, but could pay $After several calls back and forth between yourself and the Monarch representative, you set up a $payment for that same day, and indicated that you wanted to pay another $from a different account the following dayThe Monarch representative accepted the $payment, which went through with no problemThe next day, November 4, 2015, at your instruction, the Monarch representative put the $payment in for processing.During the November 4, call, the Monarch representative specifically indicated to you that in order for the settlement to be completed, you needed to pay $by November 30, Unfortunately, no payment was received from you on or before November 30, Pursuant to the original settlement agreement, the payments that you made were applied to your account, but you failed to make the required settlement payments and that offer expired on November 30, You received a new settlement offer letter from Monarch wherein the creditor is willing to accept 40% of the then outstanding balance in an amount of $That settlement offer is currently still available for the time period indicated in the letterIf you would like to set up a payment arrangement, or enter into the settlement agreement as outlined in the letter, please feel free to contact our officeThank you for your attention to this matter.Very Truly Yours, Cheryl CGeneral Counsel/ Chief Compliance Officer Thank you Cheryl [redacted] C***
This matter was assigned to Monarch by [redacted] s (the current debt owner) for collection on a [redacted] account with a balance of $(as of 1/14/15) The name and address on the account match that of the consumer as listed on the Revdex.com complaint We called the consumer on January 12, and spoke with him During that call the consumer indicated that he never had a [redacted] account and that it was a fraud As a result of that conversation, the collector properly noted the account as a fraud, and Monarch notified the debt owner The account is now closed with this agency Any further follow up regarding this account should be directed to the debt owner Thank you Cheryl *C [redacted] General Counsel
[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 Administratively Resolved] Complaint: [redacted] I am rejecting this response because:None of what they stated ever occurredThey sent me a settlement letter for the amount of $1,back in June (letter is attached)I proceeded to call them two weeks into July to see if the settlement amount was still available to me and to ensure this would be accepted if I sent a check to themThey immediately agreed over the phone and I informed them that I would send a check out for that amountI spoke to me father in law about the settlement because he had previously agreed to assist me with this if it was still validHe then wrote a check out to Monarch Revocery Management Incfor the stated amount and the check was immediately mailed out after it was writtenNo account information was ever given to them over the phone as it wasn't mine to give nor did I ever have the account information in my possessionMy father in law is very financially stable individual and therefore would not of had any issues with this transactionHe is working on obtaining the check information from his bank so that I can send this to you for verification that the check, did in fact clear and was cashedIn the mean time, I was given the receipt of the written check from him, at the time it was written and a picture of this is also attached for your recordsAlso, Monarch never made any attempts to contact me after the check was sent outNor did they respond to my written letters to rectify this situation when I was made aware of what what going onPlease let me know if there is anything else I can do or send you to verify that this transaction did in fact occur, other than the check info that I will be sending to you as soon as I receive it from my father in law, thank you for your assistance with this matter! Regards, [redacted]
I have received the consumer's complaint, and I have conducted an investigation into the allegations Please accept this correspondence in reply Monarch's computerized records indicate that we did not repeatedly call the consumer at his place of employment Monarch did call the place of employment on 6/5/ On that date we spoke with the consumer who informed our agent that it was not permissible to call his work The agent properly documented the account and removed the work number The call recording indicates that the consumer did not tell the collector that there was a fraud or that the account was disputed The consumer did indicate not to call his place of business again On 6/5/14, the Monarch agent properly noted account and removed the work telephone number As a result of receiving this complaint, Monarch has closed the account with this agency and reported to the creditor that the consumer disputes the debt Monarch cannot assist the consumer with the request to remove the account from the credit reports as this company does not report to any credit reporting agency For any issues regarding the consumer's credit report, the consumer will have to notify the original creditor and/or the credit bureaus of the issue Thank you for your attention to this matter [redacted] General Counsel/Chief Compliance Officer
Monarch has received the consumer complaint and conducted an investigation Please accept the following in reply July 22, 2013, the consumer requested a Settlement in the amount of $to be paid in one payment On that same date Monarch received permission from the creditor ***( [redacted] ) to accept the amount The consumer gave her information over the telephone for her checking information On 7/26/Monarch received notice that the check did not go through It was returned as NSF because there was an error in the account number Following the 7/26/notification that the check did not clear, Monarch attempted to reach the consumer several times until the creditor closed the account with this agency The consumer never paid the account because the check never cleared Monarch has not had the account and has not made any attempt to contact the consumer since October In May 2014, Monarch was assigned another delinquent account for collection The account that was placed here in May was from Synchrony Bank formerly known as [redacted] for a [redacted] credit card That account and the balance are not the same as the account that the consumer believed she had previously paid As a result of receiving the Revdex.com complaint, Monarch has closed the [redacted] account with this agency Any further information on either account should be addressed to the creditor directly Thank you Cheryl *C [redacted] General Counsel/Chief Compliance Officer
I am in receipt of the complaint by the consumer I have conducted an investigation into the complaint Please accept this correspondence in reply First, I need to correct the consumer Monarch Recovery Management did NOT and never has purchased the debt owed in this matter Monarch is a third-party collection agency hired by the creditor to collect on outstanding debt owed to the creditor In this case, the debt is currently owned by [redacted] Monarch does not have the information as to who originally owned the debt At the time that the debt was assigned to Monarch for collection, the balance reported by the creditor was $ The consumer sent in a check to Monarch in the amount of $ The check memo line indicated that the payment was for "medical bill" The amount of the check was less that Monarch was authorized to accept by the creditor As a result, Monarch sent a request to the creditor for permission to accept the check as settlement in full on the account There was no check sent by the consumer to Monarch in the amount of $as indicated in the complaint I have attached a copy of the consumer's check (blacking out the account #) Monarch did not receive permission from the creditor to accept the $as settlement in full on this account As a result the check was returned to the consumer under cover dated June 20, See copy of the letter attached The account was closed with this agency We are no longer servicing this account In order for the consumer to address this debt, Monarch suggests that the consumer contact Security Credit Services directly If the consumer has any additional questions, please have them contact the Compliance/Complaint department directly at ###-###-#### Thank you [redacted] General Counsel/Chief Compliance Officer
[redacted] needs to follow up with the original creditor, [redacted] Bank for the issue she is complaining about Monarch is a servicing agent only and has no authority to either add or delete a name from an account Monarch does not own this or any other debt Monarch has closed this account with this agency Contacting the original creditor should assist [redacted] with her issue Thank you [redacted] General Counsel
[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 Administratively Resolved] Complaint: [redacted] I am rejecting this response because: My daughter was a teenager and a student in High School and was legally, due to age, unable to negotiate a contract or be made financially responsible for this account She never deceived anyone and [redacted] never sent documents showing her as being financially responsible - nor did her name ever appear on any [redacted] statements Regards, [redacted] CC: Office of the Attorney General
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