Peerless Credit Services, Inc.

My complaint was that he continued to ask me when I was going to oay s bill that I already told him that I needed to confirm was validThis is not acceptable to ask for payment
when the bill needed validated I do not accept the statment from the company Complaint: ***
I am rejecting this response because:
Regards,
*** ***

Our representative spoke to the debtor for the first time on 4-27- We received the first of several accounts on 1-29- We attempted to call at home numerous times with no success During the call on 4-the debtor would not cooperate and discuss a resolution to the accounts
We released the account to the client and the account is now with their attorney's office The accounts are now closed with our office Thank You,Jim S***
*** *** ***

We make every effort to reach consumers at home before attempting to reach them at workWe did reach ** *** at work on occasionsOther attempts to home and work were made without successWe have no notes that we are not to call at workI will remove his work number from our files todayWe
are not permitted to leave messages on a machine or with a third party not responsible for the debtWe never identify the purpose of our call or our company name when calling at work or speaking to a third partyThe account will in fact be released to our client's attorney if we can not resolve the account in our officeWe never threaten suit unless our client authorizes suchBy informing the consumer that their account may go to the client's attorney is not stating that suit will be filedWe have had to call this consumer back because the promise of payment was not keptWe have a new promise on the account to make a partial paymentWe have tried to work with the consumer in a cordial manner, and hope to continue a positive dialogue to assist them in resolving their balanceWe have the utmost respect for our service men and women both past and present, and thank them for their sacrifice*** *** is welcome to call me directly if he wishesI will gladly help him from this point forward with this matterJim S***, Manager ###-###-####

This company needs to teach it's employees how to be respectful I've been getting multiple phone calls weekly but the never leave messagesIf you answer they usually hang upI finally had someone start talking when I asked what the phone call was aboutThey lady on the other end wouldn't tell me what the call was regarding but she knew information about my year oldObviously as a parent when an adult knows information about a child you want to know how they got the information, but the lady wouldn't tell me and hung up on meI called the number back and asked for a managerI got to speak to Mike S*** who was the rudest person to speak withHe shamed me for being a stay at home mom since I didn't make money to pay my son's medical bills (we are not on government assistance) I can't believe this company is still up and running with the way they are allowed to speak and harass people

I reviewed the call recording from last evening. This debtor would not identify herself, so by law we were unable to provide any detail regarding the nature of our call. We have reached the debtor at the same phone number on 4-1-14 so we are confident the number is
correct. We will notify the doctors who are due the money that the debtor will not cooperate in anyway.We receive very few complaints against our company because we abide by all laws governing collections. The complaints that do exist are unfounded or logged by uncooperative debtors avoiding their obligations. If a debt is disputed, we will always investigate and provide detailed verification to a debtor. We find very few accounts that are not legitimately owed. If the debts owed in this case are being disputed, we will gladly obtain verification and provide that to the debtor. If they are not disputed, then the debtor should honor their obligationsSincerely,
*** ***

My complaint was that he continued to ask me when I was going to oay s bill that I already told him that I needed to confirm was validThis is not acceptable to ask for payment
when the bill needed validated I do not accept the statment from the company Complaint: ***
I am rejecting this response because:
Regards,
*** ***

I searched our database using the phone numbers and name provided in the complaint and found no accounts on file. This may be because we removed the information from our system. We are a collection agency and by law cannot provide information regarding our call to a third
party. Our calls are made between 8am and 8pm which is within the legal limits set by law. The numbers we call are provided to us by our clients who obtain the information from their customers. If we encounter a wrong number we will remove that information from our files. If this person should receive another call, they should ask for Mike S*** our collection manager, or myself. We will assist this person in having the record corrected. We have no interest in calling wrong numbers. That would be a waste of our staffs time. In comparison to many agencies, we receive very few complaints and strive to maintain our good track record.Sincerely,
Jim S***
Peerless Credit Services

We verified with our client that the account is now paid in full

[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: ***
I am rejecting this response because:First, I would like to hear the recording of me being combativeSecond, as defined by an online dictionary, combative is 'ready to fight'This was a phone call, not a face to face meetingThird, any person would be defensive if some unknown female is randomly calling cell phones and does not identify what business they are representingAlso we have documentation that the number made prior calls to both of our cell phones and left no messagesMost people, including my husband and I, see this as a spam call or someone playing gamesFourth, to my knowledge the female calling did not inform me that our conversation was being recordedEither way, I would like the Revdex.com and I to have the opportunity to hear both phone calls with the female callers who were rude, unprofessional, and had no patience to answer my questionsPeerless should be willing to give the requested audio as I am requesting it through this business complaint solution centerFifth, "Federal law permits recording telephone calls and in-person conversations with the CONSENT of a least one of the partiesSee U.S.C2511(2)(d)This is called one party consent lawUnder a one party consent law, you can record a phone call or conversation so long as you are a party to the conversation." Only the second time I had contact with the lady was I "advised" the line was being recordedI did not give my consent to be recordedPeerless has not followed guidelines outlined by the lawsAs I have asked several questions both times I had an interaction, both times speaking to the female callers were very unethical, unprofessional, and the female callers were the aggressive onesI demand a written apology from Jim S*** as well as the female callersAbsolutely worst company to deal with! The constant calling to one household is unrealI have no problem supplying my cell phone record and my husband's. One additional piece of information I would like to add is regarding the professionalism of their calls in generalI encourage the Revdex.com to search the following number: ###-###-####There are numerous complaints from people who are currently receiving calls from this number, Peerless's numberEven when they have the wrong number, they are rude to peopleI am certain if you dig deeper into Peerless, you will surely find that they encourage disrespect and harassment on a level that supersedes what is required of a telephone operator and case handler
Regards,
*** ***

We called and spoke to this debtor at home on 1-28-14. During the call she promised to pay her balance in a few weeks with her income tax return. No payment was received. We made several phone attempts but did not reach the debtor, nor did we leave messages. On 3-19-she
called our office and promised to pay in full on 4-2-14. No payment was received. We made several more phone attempts but did not reach the debtor, nor did we leave messages. Today we reached the debtor at work. She complained about our calling her and hung up on our representative when they tried to speak. She called back to our office to again complain about our calling her. I'm not sure why she would not expect to hear from us after she did not keep her promise. All of our calls are made between the hours of 8am to 8pm. We are permitted to call at a place of employement. This complaint could have been avoided if the debtor had given us an honest answer regarding how she was able to honor her obligation. A partial payment would have been accepted if full payment could not be made. Our client does have us forward uncooperative accounts to their attorney at the *** Law Office. No statements made by our representative were threats. They were statements of fact. This account will be released to the attorney.Thank You,
*** *** Manager

Based on the information from the complaint we think we found the account this customer is referring to. We reviewed the notes and the recorded call and found the followingWe called for the first time 1-8-at 12.12p and got an answering machine and did not leave a message per the
legal guidelines.On the same day at 12:13p we called an alternate number on the account and again got an answering machine but did not leave a message per the legal guidelinesOn 1-19-at 12:45p we called and got an answering machine and did not leave a message per the legal guidelinesOn 1-19-we called an alternate number on the account and encountered a woman who instisted that our representative was a girlfriend calling for her husband and demanded information why we were calling. She did not identify herself so we provided no information regarding the nature of our call.
A women called us back later that day at 1:23p (apparently using our number from caller ID) identifying herself as the wife. She was aggressive with our representative. Because the woman was being combative, we informed we would end the call and proceeded to do so.
There has been no contact on the account since. We will notify our client of the situation and recommend they take additional steps to collectThis company has been in business for over years. We have always followed the guidelines that govern our industry, and have a stellar reputation amongst our clientsSincerely,
Jim S***, Manager
Peerless Credit Services

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** *** I accept only if the phone calls, harassments letters, stop, and we will send $monthly as Peerless said they would make a note of, that is all we can do

We verified with our client that the account is now paid in full.

Complaint: ***
I am rejecting this response because:I received calls from multiple numbers not associated with the business, in order to bypass the numbers they called from which I blockedI am sure they record some conversations, which paint them in a favorable light, but not others from unregistered numbers that are used for harassmentIn any case, there is nothing they can do to remedy the situation, I don't want compensation or anything except for them to cease these practices, discontinue contact with me, and for this complaint to stand so that others who are harassed by them will recognize their underhanded, immoral, and legally dubious tactics
Regards,
*** ***

Our first response stands as the facts based on our records.
Sincerely,
Jim S***
Peerless Credit

The FDCPA does not allow us to reveal the nature of a call until we confirm we have the correct person on the phone.?

We make every effort to reach consumers at home before attempting to reach them at workWe did reach ** *** at work on occasionsOther attempts to home and work were made without successWe have no notes that we are not to call at workI will remove his work number from our files todayWe
are not permitted to leave messages on a machine or with a third party not responsible for the debtWe never identify the purpose of our call or our company name when calling at work or speaking to a third partyThe account will in fact be released to our client's attorney if we can not resolve the account in our officeWe never threaten suit unless our client authorizes suchBy informing the consumer that their account may go to the client's attorney is not stating that suit will be filedWe have had to call this consumer back because the promise of payment was not keptWe have a new promise on the account to make a partial paymentWe have tried to work with the consumer in a cordial manner, and hope to continue a positive dialogue to assist them in resolving their balanceWe have the utmost respect for our service men and women both past and present, and thank them for their sacrifice*** *** is welcome to call me directly if he wishesI will gladly help him from this point forward with this matterJim S***, Manager ###-###-####

We spoke to this consumer time on 11-14-17.? He stated he was paying our client.? He called back on 11-14-to inform he paid the account in full.? We are in the process of verifying that with our client.? I dispute the remainder of the complaint.? We record all calls and
it is clear to hear that we did not engage in the behavior described.? ?

[redacted]This is the first time I have record of receiving this complaint from the Revdex.com
"margin: 0in 0in 0pt;" class="DefaultText"> This letter is in
response to the above mentioned complaint.
I have reviewed our documentation and my findings are as follows
We
called and spoke to this consumer at their place of employment on 1-6-and
3-31-Other calls to their work number went unanswered and we did not leave
a messageWe have no notes asking us to stop callingWe attempted to reach
them on their home phone, but got no answer and left no messagesDuring our
call on 1-6-we offered our phone number so the consumer could call us at
their convenience, but they refused our numberOn 3-31-we received an email
from the consumer asking that we not call at work and we have complied
If you need anything
additional, please contact me anytime
Thank You,
Jim S[redacted] Manager
Peerless Credit Services,
Inc

We spoke to this consumer 1 time on 11-14-17.  He stated he was paying our client.  He called back on 11-14-17 to inform he paid the account in full.  We are in the process of verifying that with our client.  I dispute the remainder of the complaint.  We record all calls and...

it is clear to hear that we did not engage in the behavior described.