Niagara Credit Solutions, Inc.

the Niagara Account # *** had been paid off more than five years ago to *** *** *** This is the second time I informed a collection agency that debt is pay off but they keep switching agencies They should have the information the same way the have the debt I want them to stop harassing and asking for money that was already pay

Have no knowledge of this company collecting any debt on my behalfIn fact, never even heard of them until todayThey called my cell phone, my employer and even sent a fax to verify my employment and wages

Niagara Credit Solutions has been calling and faxing over documentation at my place of employment in an attempt to verify personal information about meThe office has reported to me that they're calling and faxing is at an harassing levelThey will not violate privacy laws by verifying anything about meI have no outstanding debts and I have no idea what this is regarding

This company continues on contact my job, demanding hey garnish my wagesI have never spoken to them prior to today's date 11/4/I contacted *** asking her what this was about, she stated lvnv funding had won a judgment claim against me and they are going to have my wages garnishedI tried explaining to her I am not the person they need, and this alleged debt was clarified with lvnv funding and it was concluded that I am the wrong person back in 2013, years later this company bought the debt and is now harassing meFor paymentMy wife even contacted them to get it resolved and *** was very rude so my wife cursed her and told her they will never get payment and they will be sued for harassmentThey do not listen they just want to get paid, but I am not paying since I never had a debt in my life

I am in receipt of your recent correspondence and have finished my investigationI would like to provide the following background information to you: o Niagara Credit Solutions, Incis a national third-party collection agency located in ***, New York and is registered with the State of New
Jersey Division of Revenueo On 06-19-2017, one of our clients placed an account in our office with a name matching that of the complainanto Upon receipt of the account, Niagara Credit Solutions, Incperformed a skiptracing cycle, which included checking various national databases to ensure we are contacting the appropriate partyo The account in question is a judgment filed in *** County on 03-04-2009, case number DC *** **o On 06-22-2017, our office sent the legally required initial "Dunning notice" to the complainant outlining the information pertinent to the account and required by State and Federal regulationso On 07-13-2017, our office received a Revdex.com complaintTo respond to the complainant's allegations, please be advised: *** *** **, *** ***, NY ***o Niagara Credit Solutions, Incdenies that our office harassed the complainantTo respond to complainant's desires: o We, Niagara Credit Solutions, Incwill comply with the complainant's request and cease collection efforts regarding the account in questiono Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account in question it does not mean the account is satisfiedIn closing, I would like to say that Niagara Credit Solutions, Incis a professional debt collection service and we take pride in providing our client 's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All"The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employeesWe regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating proceduresWhile my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalfIf you or the complainant has any questions regarding this matter I may be reached at ***@***.com ###-###-####Thank you in advanceKyle MCompliance Officer Niagara Credit Solutions, Inc

This company called my mother telling her they were threatening legal action on a debt that is not only over years old but has been settled several years agoWhen I called the company, " Tara" told me I wouldn't have to worry about them calling my elderly mother if I would pay my bills on timeThen when I asked to speak with her supervisor, " Mary," she refused to send me a copy of the debt even after I said I disputed it and tried to give her the MS statute number staying she could not pursue that debtShe threatened legal action, not only by filling a judgment in Jackson county, but Tara threatened criminal charges against me for not paying this bill

I am in receipt of your recent correspondence and have finished my investigationI would like to provide the following background information to you: Niagara Credit Solutions, Incis a national third-party collection agency located in Williamsville, New York and registered with the Commonwealth of Massachusetts Commissioner of Banks. o On 08-13-2015, one of our clients placed an account in our office with a name matching that of the complainant.o Upon receipt of the account, Niagara Credit Solutions, Incperformed a skiptracing cycle, which included checking various national databases to ensure we are contacting the appropriate party.o The account in question is a judgment account, case number ***, filed 11-06-in Essex County Court.o Upon receipt of account our office sent correspondence to the complainant complying with applicable State and Federal regulations to inform her of the account in question and attempt to assist in resolution of the accountOur office also made several attempts to contact the complainant via telephone at the number listed for her on the account.o On 11-25-2015, our office sent verification of employment to the complainant's place of employment on behalf of our client owning the account.o On 12-02-2015, our office was contacted by the complainantOur representative explained that due to the fact that the account is a judgment that our client has the legal right to garnish if no other arrangements can be agreed uponThe complainant made an offer to settle the account for less than the total balance owedOur office submitted the request for settlement to our client owning the accountOur client owning the account countered the offer.o On 12-03-2015, the complainant contacted our office back and claimed that this account was settled 9-05-2014, prior to placement with our officeOur office related this claim to our client owning the account to re-check their records of payment on the accountOur client owning the account confirmed that they had no record of this payment and instructed our officeOur office informed the complainant that we would need to see proof of payment to submit to our client owning the accountThe complainant stated she would attempt to locate the records and would be in contact with our officeo On 12-08-and 12-11-2015, the complainant informed our office that she wasstill in the process of attempting to obtain records showing that the account had been paid prior to placement with our officeOn the 12-11-conversation the complainant indicated she would contact our office by 12-14-2015.o On 12-15-2015, our office received notice of a complaint from the Revdex.comTo respond to the complainant's allegations, please be advised: o Niagara Credit Solutions, Incdenies that our office refused to provideverification of the debt to the complainant. o Niagara Credit Solutions, Incdenies that the complainant was 'threatened'As the account in question is a judgment, our client owning the account has the legal right to seek garnishment on the accountOur representative informed the complainant of this and attempted to seek a resolution that would prevent garnishment by our client owning the account. o Niagara Credit Solutions, Incdenies that the complainant requested verification 'on more than one occasion' and was denied that requestUpon request of verification of debt our client owning the account was informed of the complainant's request and we are awaiting a response from our client. To respond to complainant's desires: o We, Niagara Credit Solutions, Inc., have informed our client owning the account of the claims and demands of the complainantThe account has been documentedaccordinglyWe have sent a request for verification of debt to our client. o We, Niagara Credit Solutions, Inc., will honor the complainant's request to cease contact with herOur office will fulfil the aforementioned request for verification of the debt but will not attempt contact with the complainant going forward. o Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account it does not mean the account is satisfied. In closing, I would like to say that Niagara Credit Solutions, Incis a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All"The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employeesWe regularly monitor our employees for compliance with Federal, .State and Local laws along with strict adherence to our company's standard operating proceduresWhile my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf. If you or the complainant has any questions regarding this matter I may be reached at *** ***Thank you in advance. Kyle *** Niagara Credit Solutions, IncThis communication is from a professional debt collectorThis is an attempt to collect adebtAny information obtained will be used for that purpose

11-8-2016Revdex.com, Inc.Attn: ***Bryant Woods SouthAmherst, NY 14228Complaint: # 11789159Dear ***,I am in receipt of your recent correspondence and have finished my investigation. I have reviewed the complaint filed by *** * *** and it appears she has our
company confused with the one who is actually contacting her.I can find no record in our collections system of this personI searched our system using the complainant's name, address and telephone number provided in the complaintI searched our telephone logs and found no record of any calls to the complainant's telephone number provided by the complainant in our system.Further, we do not have any employees by the names "Tara" or "Mary"There is another agency with a similar name in the area that the complainant may have mistaken for our office. In closing, I would like to say that Niagara Credit Solutions, Incis a professional debt collectionservice and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All"The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employeesWe regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating procedures. While my investigation leads me to believe our employees have followed all collection laws andcompany standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf. If you or the complainant has any questions regarding this matter I may be reached at *** ***Thank you in advance.Kyle M***Compliance OfficerNiagara Credit Solutions, Inc.This communication is from a professional debt collector

I have been working with Niagara Credit Solutions, Inc, specifically MrFrank S***, for over a yearWe reached a settlement that was approximately $less then what I owed (counting interest)I have been treated kindly and with great respect by MrS*** and his counter parts, Jasmine and JoseNot once have they called to remind me of a payment due, or harass me in any wayThey have presented themselves professionally and I have had no negative interactions with them, nor their companyS** T

I am receiving phone calls and other verification of employment requests from this company at my job and I do not know whyI have been reprimanded verbally because of this and II do not own any accounts with Niagara

this company is contacting me trying to collect an invalid debtthis is a scamI have never had any kind of debt with the client they claim they have.I have checked my credit report just to see if there was some kind of mistake and the debt they say I have is not on my credit report as I knew it wouldnt beI have also read many complaints online from other people claiming the same problemthis is a scam and they are harassing people trying collect ridiculous amounts of money using claims

I am in receipt of your recent correspondence and have finished my investigation.I would like to provide the following background information to you:o Niagara Credit Solutions, Incis a national third-party collection agency located in Williamsville, New York.o On 04-13-2015, one of our clients
placed an account in our office with a name matching that of the complainant.o Upon receipt of the account, Niagara Credit Solutions, Incperformed a skiptracing cycle, which included checking various national databases to ensure we are contacting the appropriate party.o On 05-06-2015, our office received a Revdex.com complaint.To respond to complainant's desires:o We, Niagara Credit Solutions, Inc., have removed the complainant's contact information from our systemWe have documented the account in question that the complainant does not want any more contact from our officeThe account in question will be closed and returned to our client owning the account.o Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account it does not mean the account is satisfied.In closing, I would like to say that Niagara Credit Solutions, Incis a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All"The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employeesWe regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating proceduresWhile my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf.If you or the complainant has any questions regarding this matter I may be reached at ***@***.com ###-###-####.Thank you in advance.*** ***Compliance OfficerNiagara Credit Solutions, Inc.This communication is from a professional debt collectorThis is an attempt to collect a debtAny information obtained will be used for that purpose

I have asked them for written verification on more than one occasion as I explained and still I only have the wage verification letter they sent my employer The manager threatened me stating if they sent me anything I would have no chance of a settlement with them how does this make any sense I guess I need a lawyerThe consumer called and definitely wants a debt validation letter

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

I am in receipt of your recent correspondence and have finished my investigationI have reviewed the complaint filed by *** *** and it appears she has our company confused with the one who is actually contacting her.I can find no record in our collections system of this personI searched
our system using the complainant's name, address and telephone number provided in the complaintI searched our telephone logs and found no record of any calls to the complainant's telephone number provided by the complainant in our systemThere is another agency with a similar name in the area that the complainant may have mistaken for our officeThe phone number provided in the complaint, 1-800-381-5015, is not the telephone number for our companyThe name of the employee contacting her listed in the complaint does not match anyone employed by our companyIn closing, I would like to say that Niagara Credit Solutions, Incis a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All"The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employeesWe regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating proceduresWhile my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalfIf you or the complainant has any questions regarding this matter I may be reached at *** ***Sincerely,Kyle *** Compliance Officer Niagara Credit Solutions, IncThis communication is from a professional debt collectorToll Free 888-841-3131, Local Line 716-681-6816, Fax 716-681-

I am in receipt of your recent correspondence and have finished my investigationI would like to provide the following background information to you:
o Niagara Credit Solutions, Incis a national third-party collection agency located in Williamsville, New York and registered with
the *** Department of State, document number ***
o On 06-04-2014, one of our clients placed an account in our office with a name matching that of the complainant
o Upon receipt of the account, Niagara Credit Solutions, Incperformed a skiptracing cycle, which included checking various national databases to ensure we are contacting the appropriate party
o On 10-30-2014, our office received a telephone call from the complainantThe complainant stated she wanted no more contact from our office at her place of employmentThe complainant's account was documented accordingly and the employment information was removed from the account
o On 10-31-2014, our office received a Revdex.com complaint
To respond to the complainant's allegations, please be advised:
o Niagara Credit Solutions, Incdenies that our representative was '"rude" to the complainant
To respond to complainant's desires:
o We, Niagara Credit Solutions, Inchave removed the complainant's information from her account and will no longer be contacting her in accordance with her requestThe account will be closed with our office and returned to our client owning the account
o While we have removed the complainant's information from this account it is possible that our firm may contact the complainant again, but only if another, different account is placed in our office with the complainant's information
Although highly unlikely, if that happens please direct the complainant to contact me directly and I will insure her information is again removed from our active placements
o Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account it does not mean the account is satisfied
In closing, I would like to say that Niagara Credit Solutions, Incis a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All"The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employeesWe regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating proceduresWhile my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf
If you or the complainant has any questions regarding this matter I may be reached at ***@***.com ###-###-####
Thank you in advance
*** ***
Compliance Officer
Niagara Credit Solutions, Inc
This communication is from a professional debt collectorThis is an attempt to collect a debtAny information obtained will be used for that purpose

I am in receipt of your recent correspondence and have finished my investigation.  I would like to provide the following background information to you:o Niagara Credit Solutions, Inc. is a national third-party collection agency located in Williamsville, New York and registered with the State of...

Illinois Department of Financial and Professional Regulation, Division of Professional Regulation;  license number 017.020869.   o On 1-15-2016, one of our clients placed an account in our office with a name matching that of the complainant.  o Upon receipt of the account, Niagara Credit Solutions, Inc. performed a skiptracing cycle, which included checking various national databases to ensure we are contacting the appropriate party.   o Our sent the required initial notice "Dunning letter" to the address on file for the complainant. Our office also attempted to reach the complainant via telephone at the numbers on file but were unsuccessful.   o On 2-11-2016, our office received notice of a Revdex.com complaint.  To respond to the complainant's allegations, please be advised:  o Niagara Credit Solutions, Inc. denies that our office is 'scamming' the complainant.   o Niagara Credit Solutions, Inc. denies that our office made any false claims to the  complainant.To respond to complainant's desires:  o We, Niagara Credit Solutions, Inc. have removed the complainant's information  from our system and closed the account, returning it to our client owning the account. Our office will no longer contact the complainant regarding this account.  o While we have removed the complainant's information from this account it is  possible that our firm may call the complainant again, but only if another, different account is placed in our office with the complainant's information.  Although highly unlikely, if that happens please direct the complainant to contact  me directly and I will insure his information is again removed from our active placements.o Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account it does not mean the account is satisfied.  In closing, I would like to say that Niagara Credit Solutions, Inc. is a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All". The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employees. We regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating procedures. While my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf. If you or the complainant has any questions regarding this matter I may be reached at [redacted].  Thank you in advance.  Kyle M[redacted] Compliance Officer  Niagara Credit Solutions, Inc.

11-8-2016Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228Complaint:# [redacted]Our Reference: [redacted]Dear [redacted],I am in receipt of your recent correspondence and have finished my investigation. I would like to provide the following background information to you: o...

Niagara Credit Solutions, Inc. is a national third-party collection agency located in Lackawanna, New York and is registered with the Commonwealth of Massachusetts Commissioner of Banks. o On 03-06-2014, one of our clients placed an account in our office with a name matching that of the complainant. o Upon receipt of the account, Niagara Credit Solutions, Inc. performed a skip-tracing cycle, which  included checking various national databases to ensure we are contacting the appropriate party. The account in question is a judgment filed in Kings County in the state of New York. The judgment case number is [redacted] and was filed [redacted] On 11-01-2016, our office received employment information from our client owning the account. As the account is a judgment, our client has the legal right to pursue garnishment on the account. On behalf of our client we sent a verification of employment request to the complainant's place of employment on 11-02-2016.  On 11-04-2016, our office received a telephone call from the complainant. The complainant claimed no knowledge of the account and a mutually agreed upon repayment of the account was not able to be reached. On 11-07-2016, our office received notice of a Revdex.com complaint.To respond to the complainant's allegations, please be advised:1212 Abbott Rd, Suite  Lackawanna, NY 14218  Niagara Credit Solutions, Inc. denies that our office "demanded" the garnishment of the complainant's wages.Niagara Credit Solutions, Inc. denies that we "harassed" the complainant. Niagara Credit Solutions, Inc. denies that our office claimed we were going to have his wages garnished. Our office works on behalf of our client owning the account and they have the right, if they so choose, to pursue garnishment. Niagara Credit Solutions, Inc. denies that our office was "rude" to the complainant or his spouse.To respond to complainant's desires: We, Niagara Credit Solutions, Inc. will close the account in question and return it to our client owning the account. We will no longer be servicing the account and will honor the request for no more contact from the complainant. We, Niagara Credit Solutions, Inc. do not own the account and cannot effect any changes on the complainant's account status or credit report.Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account it does not mean the account is satisfied.In closing, I would like to say that Niagara Credit Solutions, Inc. is a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of "Integrity Above All".The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employees. We regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating procedures. While my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf.If you or the complainant has any questions regarding this matter I may be reached at Thank you in advance.Kyle M[redacted]Compliance OfficerNiagara Credit Solutions, Inc.This communication is from a professional debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Revdex.com:
First, my employer did not confirm anything with your company, nor did they or I acknowledged this debt. Second, yes your staff was very rude. Lastly, I accept your apology on behalf of [redacted]. And hopefully this doesn't appendix to another person. I will however continue to reach out to the right people concerning this debt, to have my name fully cleared. Again thank you.
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,
Navin [redacted]

I am in receipt of your recent correspondence and have finished my investigation.I would like to provide the following background information to you:o Niagara Credit Solutions, Inc. is a national third-party collection agency located in [redacted].o On 05-11-2015, one of our...

clients placed an account in our office with a name matching that of the complainant. The account placed with our office is a judgment account. A judgment was filed in [redacted] on 03-26-2007, docket number [redacted].o Upon receipt of the account, Niagara Credit Solutions, Inc. performed a skiptracing cycle, which included checking various national databases to ensure we are contacting the appropriate party.o Our office made numerous attempts to contact the complainant via the telephone number provided on her account from our client as well as sending the legally required notification "Dunning" letter to the address listed on the account. We were unable to reach the complainant via telephone and did not receive any correspondence from the complainant via mail.o On 07-31-2015, our office received information from our client regarding the complainant's place of employment. As this account is a judgment, our client is able to enforce the judgment through potential wage garnishment and requested that we attempt to verify the complainant's employment.o On 08-03-2015, our office received a telephone call from the complainant. The complainant verified her identity and was provided all applicable disclosures as prescribed by State and Federal law. The complainant informed our office that she was disputing the account and intended to file a complaint. The account was documented accordingly and placed in a restricted access queue to ensure that the complainant did not receive any more communication from our office.o On 08-04-2015, our office received a Revdex.com complaint.To respond to the complainant's allegations, please be advised:o Niagara Credit Solutions, Inc. denies that our office harassed the complainant.o Niagara Credit Solutions, Inc. denies that the representative with whom the complainant spoke made any threats against the complainant.o Niagara Credit Solutions, Inc. denies that we have engaged in any "illegal practices".To respond to complainant's desires:o We, Niagara Credit Solutions, Inc. will no longer be servicing the account in question and will not contact the complainant any further. The account will be documented accordingly and will be returned to our client owning the account.o Even though our office, Niagara Credit Solutions, Inc., will no longer be contacting the complainant regarding the account it does not mean the account is satisfied.In closing, I would like to say that Niagara Credit Solutions, Inc. is a professional debt collection service and we take pride in providing our client's and their customers with high levels of customer service while maintaining our company motto of ''Integrity Above All". The management and owners of the firm do not condone harassment nor tolerate unprofessional actions by our employees. We regularly monitor our employees for compliance with Federal, State and Local laws along with strict adherence to our company's standard operating procedures. While my investigation leads me to believe our employees have followed all collection laws and company standard operating procedures, please pass along my apology to the complainant that they felt it necessary to contact you to intercede on their behalf.If you or the complainant has any questions regarding this matter I may be reached at [redacted].Thank you in advance.Kyle MCompliance OfficerNiagara Credit Solutions, Inc.This communication is from a professional debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.