Niagara Credit Solutions, Inc.

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. o On 08-13-2015,...

one of our clients placed an account in our office with a name  matching that of the complainant. The account in question is a judgment account. Judgment number [redacted], filed in [redacted] County Court on the date of [redacted].  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. o On 05-17-2016, our office sent a verification of employment request to the complainant's place of employment on behalf of our client owning the account. As  o On 05-17-2016, our office contacted the complainant to attempt to reach a mutually agreeable arrangement for repayment in lieu of the garnishment proceedings being carried out by our client owning the account. The complainant refused to verify her  identity to our representative and requested that we do not contact her at her place of employment going forward. The account was documented accordingly.  o On 05-18-2016, 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 was ~'unlawful" in contacting heremployer.To respond to complainant's desires:o We, Niagara Credit Solutions, Inc. will not contact the complainant further as directed in the complaint. We have removed the complainant's telephone numbers from the account and documented the account accordingly.o While we have removed the complainant's telephone number 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 telephone number. Although highly unlikely, if that happens please direct the complainant to contact me directly and I will insure her telephone number is again removed from our active placements. o Our office will request verification of debt documentation from our client owning the account and provide it to the complainant as requested when we receive  any and all documents from our client. 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'sstandard 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 [redacted]Compliance Officer  Niagara Credit Solutions, Inc.

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...

Indiana Secretary of State, license number 954581 CA.o On 07-10-2014, one of our clients placed an account in our office with a name other than 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 On 12-10-2014, 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 was either "belligerent or sarcastic" in speaking with the complainant.o Niagara Credit Solutions, Inc. denies that the representative "hung up the phone in the complainant's face".o Niagara Credit Solutions, Inc. denies that we "are a corrupt company".To respond to complainant's desires:o We, Niagara Credit Solutions, Inc. will no longer be servicing the account in question. We are returning the account to our client owning the account with the complainant's concerns properly documented.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]@niagaracs.com ###-###-####. Thank you in advance.[redacted]Compliance OfficerNiagara Credit Solutions, Inc.This communication is from a professional debt collector.

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]

Consumer stated she definitely wants debt validation letter.

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.
To respond to complainant's additional concerns:
o We, Niagara Credit Solutions, Inc. responded to the initial complaint indicating that the complainant "is not the person we are attempting to contact" due to the fact that the complaint was filled by a spouse not the person identified on the correspondence we sent that caused the complaint to be filed.
o We, Niagara Credit Solutions, Inc. will comply with the request of the complainant and will no longer contact the complainant. We will close and return the account in question to our client owning the account. Even though we will no longer contact the complainant it does not mean the account is satisfied but that we will no longer be servicing the account in question.
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]@[redacted].com ###-###-####.
Thank you in advance. 
[redacted]
Compliance Officer
Niagara 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.

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.
o On 09-20-2012, one of our...

clients placed an account in our office with a name other than 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 The complainant's telephone number was listed on an account in our office as a possible contact number for the person we are attempting to contact. Our office left several messages periodically in attempt to reach the person we are attempting to contact.
o On 11-12-2014, our office received a telephone call from the complainant indicating that she wanted no more calls placed to her telephone number. The account in question was documented accordingly and the telephone number was removed from our system.
o On 11-14-2014, 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 was "continually calling" the complainant's telephone number.
o Niagara Credit Solutions, Inc. denies that the representative laughed at the complainant and stated that we would "call back the next day"'.
o Niagara Credit Solutions, Inc. denies that we ridiculed or harassed the complainant.
o Niagara Credit Solutions, Inc. denies that our office hung up on the complainant multiple times and did not allow her to convey her complaint.
To respond to complainant's desires:
o We, Niagara Credit Solutions, Inc. have removed the complainant's telephone number from our system and will no longer contact the complainant.
o While we have removed the complainant's telephone number 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 telephone number. Although highly unlikely, if that happens please direct the complainant to contact me directly and I will insure his telephone number is again removed from our active placements.
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].com ###-###-####.
Thank you in advance.
[redacted]
Compliance Officer
Niagara Credit Solutions, Inc.
This communication is from a professional debt collector.

I have asked them from day 1 finding out about this for a verification letter and was told you no what this is regarding we do not have to give you anything and then by the manager Mr [redacted] that if they did send me verification letter there would be no chance of settlement with them that is why I...

contacted you they are threating to garnish my wages for 11000 or I could make settlement of 5000 when I have no verification I owe anything and told them I think I paid off the credit card they are talking about but will need time to prove that I was told I had till today only.

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 inLackawanna, New York and is registered with the Commonwealth of...

MassachusettsCommissioner of Banks,o On 09-11-2015, one of our clients placed an account in our office with a namematching that of the complainant.o Upon receipt of the account, Niagara Credit Solutions, Inc. performed a skip-tracingcycle, which included checking various national databases to ensure we arecontacting the appropriate party,o The account in question is a judgment filed in Suffolk County on 05-03-2007, casenumber '[redacted] cv [redacted].o On 10-24-2016, our office attempted to contact the complainant on several potentialcontact telephone numbers provided on the account in question. Our office wasunable to reach the complainant on any of these telephone numbers,o On 10-26-2016, our office sent verification of employment to the complainant's placeof employment on behalf of our client owning the account. Being that the account is ajudgment, our client has the option to enforce the judgment through a garnishment ofwages,o On 10-28-2016, 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 was harassing the complainant oranyone at the complainant's place of employment,o Niagara Credit Solutions, Inc. denies that our office violated MassachusettsCollection regulations.To respond to complainant's desires:o We, Niagara Credit Solutions, Inc. will honor the complainant's request to ceasecontact. The account in question will be closed with our office and returned to ourclient owning the account.o While we have removed the complainant's information from this account it ispossible that our firm may call the complainant again, but only if another, differentaccount is placed in our office with the complainant's information. Although highlyunlikely, if that happens please direct the complainant to contact me directly and Iwill insure the information is again removed from our active placements.o Even though our office, Niagara Credit Solutions, Inc., will no longer be contactingthe 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 debtcollection service and we take pride in providing our client's and their customers with highlevels of customer service while maintaining our company motto of "Integrity Above All".The management and owners of the firm do not condone harassment nor tolerateunprofessional actions by our employees. We regularly monitor our employees forcompliance with Federal, State and Local laws along with strict adherence to our company'sstandard operating procedures. While my investigation leads me to believe our employeeshave followed all collection laws and company standard operating procedures, please passalong my apology to the complainant that they felt it necessary to contact you to intercede ontheir 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 OfficerNiagara Credit Solutions, Inc.This communication is from a professional debt collector. This is an attempt to collect adebt. Any information obtained will be used for that purpose.

Revdex.com:
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.
We are thankful you removed our number from your calling, but if we are not the one your are looking for, then why are you sending us mail with our name on it... I am sorry, don't want to sound rude, but to me it sounds as if you send out the mailings so people call you, cause people want to know who the collections are for and why there getting them.. So I would like it if you would be delete me from your collections, and shred the papers you have, cause they are false and fraud... I do have the response you have given, pretty much stating you have wrong person... So I want a response back stating that you do not have my name in your system, you deleted and shredded anything with my name... That I will receive no more collections from your company. Doing this, I will be happy...  i wanted a response as my proof...  
 
 
Thank you.. [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 Williamsville, New York.
o On 10-27-2014, one of our...

clients placed an account in our office with a name other than 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 On 11-03-2014, our office sent written correspondence to the address provided for the person we were attempting to contact.
o On 11-11-2014, our office received a Revdex.com complaint.
To respond to complainant's desires:
o We, Niagara Credit Solutions, Inc. have removed the complainant's telephone number from our system.
o As the complainant is not the person we are attempting to contact we are unable to provide any further information on this issue. We will honor the request of the complainant to no longer place telephone calls to her telephone number.
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].com ###-###-####.
Thank you in advance.
[redacted]
Compliance Officer
Niagara Credit Solutions, Inc.
This communication is from a professional debt collector.