Recovery Management Services

Hello, We have sent letters stating the consumer's balance each and every month since November of As the consumer has asked for a complete breakdown we have asked [redacted] to provide thatEvery payment that has been received has been credited to Ms [redacted] account and forwarded to ***We have been informed that Ms [redacted] account will soon be recalled from our company and placed with a new servicer

Hello,I have rechecked our system and there is absolutely no record of any verbal communication between the consumer and my firmDoes the consumer have a different last name for me to check? Also I believe that the consumer has not visited our payment portal web site as there is no record of her attempting to sign in there eitherOur payment portal web address is [redacted] Was this the address that the consumer went to? The log in ID for the consumer is the same as our internal file number [redacted] and her password is her social security numberI have flagged the consumer's account as a do not contact per her requested remedy on the last complaintThe consumer may contact me directly if she wishes to at [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2014/02/21) */ Contact Name and Title: [redacted] Director Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @rmscollects.com To Whom it May Concern, I have located the account where this number was listed and have flagged the number and documented the file to never call this number again [redacted] Services will not receive any future calls from Recovery Management Services, Inc I apologize for any inconvenience Sincerely, [redacted]

Hello, RMS-Recovery Management Services, Incis a third party collection agency that was retained by our client the University of [redacted] to recover an outstanding general accounts receivable balance of $ [redacted] This balance was due and payable before the consumer left the university.Our Debt Counselor [redacted] contacted the consumer on 10/19/in reference to this debt and asked that the balance be paid in full as the whole balance was due and outstandingAfter speaking with the consumer it became clear that the consumer had the resources to pay the account balance [redacted] took payments totaling $ [redacted] that have been applied to the consumer's balance [redacted] *lso set up payments to be debited at a later date to continue the payments until the balance was paid in full.The consumer called back on 10/23/and asked that the remaining payments be deleted as the consumer would be unable to abide by the previous agreementRMS-Recovery Management Services, Inchas honored the consumer's request and deleted the remaining paymentsAt this time no payments are scheduled to be debited from the consumerThe outstanding balance of the consumer's account is currently $ [redacted] [redacted] can contact me directly at [redacted] to discuss his accountI would be happy to work with him to come to an arrangement to repay this remaining balance that would be equitable to both [redacted] and our client the University of [redacted] Sincerely, [redacted] ***

Hello, RMS-Recovery Management Services, Incis a third party collection agency that was retained by our client the University of [redacted] to recover an outstanding general accounts receivable balance of $4,This balance was due and payable before the consumer left the university.Our Debt Counselor [redacted] contacted the consumer on 10/19/in reference to this debt and asked that the balance be paid in full as the whole balance was due and outstandingAfter speaking with the consumer it became clear that the consumer had the resources to pay the account balance [redacted] took payments totaling $that have been applied to the consumer's balance [redacted] *lso set up payments to be debited at a later date to continue the payments until the balance was paid in fullThe consumer called back on 10/23/and asked that the remaining payments be deleted as the consumer would be unable to abide by the previous agreementRMS-Recovery Management Services, Inchas honored the consumer's request and deleted the remaining paymentsAt this time no payments are scheduled to be debited from the consumerThe outstanding balance of the consumer's account is currently $2, [redacted] can contact me directly at [redacted] to discuss his accountI would be happy to work with him to come to an arrangement to repay this remaining balance that would be equitable to both [redacted] and our client the University of [redacted] Sincerely, [redacted] ***

Hello, RMS Recovery Management Services, Incwas retained by our client [redacted] University to collect an outstanding student accounts receivables balance from the consumerThe consumer did in fact speak to one of our representatives named Travis on 3/29/at 4:Central timeWe sent the validation notice which is a letter that is required for us to send to the consumer after the initial contact is made per Federal lawWe will honor the consumer's request to not receive any more lettersSincerely [redacted]

Initial Business Response / [redacted] (1000, 5, 2014/10/31) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX ext [redacted] Contact Email: [redacted] @rmscollects.com Hello, RMS-Recovery Management Services, Incis a third party collection agency retained by our client [redacted] University to secure recovery of Mr***'s defaulted [redacted] loanPlease note that RMS does not own the debt the client [redacted] University doesMr***'s account was placed for collections with RMS on [redacted] XX XXXX and RMS had no involvement with Mr***'s loan before that dateAlso important to note is that RMS is not allowed to report [redacted] loans to the credit bureau's that is handled by the clientRMS does not have the ability to offer a settlement to Mr [redacted] as this is a Federal defaulted [redacted] loan and all of the fees associated with this loan are stipulated in the promissory note which we have already provided to Mr***RMS would be happy to work with Mr [redacted] to resolve this outstanding loan Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/10/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) Their response is in direct contrast to the answers giving by [redacted] Account Manager for RMSShe informed me RMS had had the loan for "Quite some time" and that they were not allowed to report the defaulted loan at the request of [redacted] Final Consumer Response / [redacted] (4200, 11, 2014/11/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) You would love to help me pay the full amount, which I do not believe I should have to pay Final Business Response / [redacted] (4000, 13, 2014/11/18) */ We are no longer willing to respond to Mr***'s accusationsHis concerns have been addressed in a letter sent to Mr [redacted] by [redacted] UniversityThe letter refutes each and every one of Mr***'s allegations and refers to Federal Regulations that uphold the amount being pursuedI have requested authorization from [redacted] University to send the account to an attorney with instructions to pursue this matter through the courtsIf received I intend to send the account to an attorney to take such actionIf Mr [redacted] is unable to pay the balance in full in accordance with the contract he signed we are more than willing to negotiate an equitable payment plan for the balance owedHe may call me personally should he wish to do so Sincerely, R [redacted] Vice President RMS-Recovery Mangement Services, Inc

Hello,RMS-Recovery Management Services Incis a third party collection agency that has been retained by our client [redacted] University [redacted] to secure the consumer's outstanding educational debt in the current amount of $ [redacted] We have flagged the consumer's work phone so it will not be called againIf the consumer would like to resolve the outstanding balance please contact my office at [redacted] Regards, [redacted]

Hello, As stated in my first response RMS-Recovery Management Services, Incis a third party collection agency retained by [redacted] to secure the consumer's outstanding student account receivables balance of $ [redacted] This balance is due and payable in fullWe sent the consumer an itemized accounting of her debt and to date there have still been no payments made towards the consumer's debtIf Ms [redacted] would like to discuss her debt and establish a repayment schedule that is equitable to both Ms [redacted] and our client she can contact me directly at [redacted] *** Sincerely, Mike [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/07) */ Contact Name and Title: Michael [redacted] Contact Phone: XXX-XXX-XXXX ext Contact Email: [redacted] @rmscollects.com Hello, RMS-Recovery Management Services, Inchas already responded to two complaints submitted by the consumer in January of this year: 01/10/web Revdex.com Case Received by Revdex.com 01/10/web Revdex.com Accredited Business Case Reviewed by Revdex.com 01/10/Otto EMAIL Send Acknowledgement to Consumer 01/10/Otto EMAIL Inform MIP AB of Case 01/14/WEB Revdex.com RECEIVE BUSINESS RESPONSE : Contact Name and Title: Mike [redacted] Contact Email: [redacted] @rmscollects.com Hello, Ms Pugh's account was placed with RMS-Recovery Management Services for collectionThe loan holder is Avila University and MsPugh owes Avila $2,We are the second collection agency that Avila has placed this account with in an attempt to collect the outstanding balance owed by MsPughMsPugh has contacted Avila and they have asked RMS to accept a short term payment plan of $a month so that MsPugh can begin repaying her debtAt this rate Ms Pugh will be repaying her debt to Avila for the next yearsMsPugh's debt is an outstanding tuition debt and was meant to be payed before classes were attended 01/14/lgg EMAIL Forward Business Response to Consumer 01/14/WEB Revdex.com RECEIVED CONSUMER REBUTTAL : (The consumer indicated he/she DID NOT accept the response from the business.) I will not accept this responseNo one addressed why the person @RMS spoke to me that wayTwisting my words, making me feel that I should automatically know how collections work or what the debit is forI sent in $payments dated from 12/to 6/under distress from RMSI feel this is not my account to payAlso I'm unaware of any other collection agencies having this account as I was not contactedTheir practice of bullying to obtain debit is against the law 01/15/lgg EMAIL Forward Consumer Rebuttal to Business 01/16/WEB Revdex.com RECEIVED BUSINESS' RESPONSE TO REBUTTAL : Hello, I have attached the itemized statement from Avila University which was sent out to the consumer yesterdayThis statement shows in detail the debt owed to Avila UniversityAvila placed this debt with RMS for collectionsAs I stated previously RMS is the second agency that Avila has retained to attempt to collect this debtIf the consumer does not wish to speak with us she can submit that request in writing to our office and we will comply RMS-Recovery Management Services, Inc.will not contact MsPugh againThe consumer still owes Avila University $1, Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) RMS continues to harassI've asked since January for RMS not to contact and they have continued with the harassment and threatsThey have called several times since January (late at night) and they have mailed harassing lettersRMS stated back in Jan that they would not continue to contact me and they continueWhat is my next step for the harassment to stop? How do I get my information removed from RMS? Final Consumer Response / [redacted] (4200, 11, 2015/07/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) What is the proposed solution? RMS stated back in January that they would not contact me anymorePer my phone records, RMS has called several times late at night since then and recentlyRMS has sent me a letter, which I have, that is dated 7/So you see they will lie and stop at nothing with their scare tacticsI'm requesting that RMS not ever contact me, they should not have my personal information in their data base for any reasonI'm asking you again several months later the same thingWhen will this stop? What is my next step for them to stop? Final Business Response / [redacted] (4000, 9, 2015/07/10) */ Hello, I must disagree with the consumerRMS-Recovery Management Services Inchas not continued to contact the consumer via phone and exactly one letter has been sent since JanuaryThe letter sent to the consumer in January was an itemized accounting of her debt owed to Avila University

Complaint: [redacted] I am rejecting this response because:I have spoken with the company regarding the issue and tried their website and each time I'm told I have to pay more than $each timeI have also checked my credit report several times and each time it shows up on my credit report Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: this communication has become ridiculous and has solved nothing If you go back to my previous communication it was about the lack of providing appropriate accounting information to me including a running balance statement each and every month including any additional fees that were added in I find it very difficult to understand that collection agencies do not have to provide TRANSPARENT information to consumers on an ongoing basis All that I seem to get is look at the promissory note....that was issued years ago in and yes, I have looked at itThis has nothing to do with me requesting an accounting for the additional fees in a current, understandable format The statement you sent I would have no way of telling me what was going onNOW, all of a sudden, you’re transferring me to a new servicer How convenient.....when you can’t provide requested info my bill goes to someone else? Is this new company going to add on their additional fees? I have received no written communication about this from either company (Natiomal Education Servicing or Recovery Management Services I thought that your company was going to ask for a statement from [redacted] to give to me? Are there no laws that require busi***ses to provide what, when, and why were are receiving charges??? There must be consumer protection laws to prohibit these behaviors Sincerely, [redacted] ***

Hello, As stated in my first response RMS-Recovery Management Services, Incis a third party collection agency retained by Long Island University to secure the consumer's outstanding student account receivables balance of $6,This balance is due and payable in fullWe sent the consumer an itemized accounting of her debt and to date there have still been no payments made towards the consumer's debtIf Ms [redacted] would like to discuss her debt and establish a repayment schedule that is equitable to both Ms [redacted] and our client she can contact me directly at 800-932-ext Sincerely, Mike [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/01/28) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX ext [redacted] Hello, RMS-Recovery Management Services Inchas been retained by [redacted] Technical College to secure an outstanding tuition debt owed by [redacted] *** in the amount of $The college does exist and the debt is validIf Ms [redacted] would like to discuss this matter my contact information is listed below Sincerely, ***

Hello, RMS-Recovery Management Services, Inchas been retained by [redacted] to secure the consumer's outstanding student accounts receivables balance of $ [redacted] The consumer's account was placed with us on 4/21/We sent the consumer a validation notice the following day and several letters since and received no return mail from the address at [redacted] ***.We have also made telephone attempts to contact the consumerOn 12/29/we sent an itemized accounting of the consumer's debt to herThe debt is being as disputed to the credit bureausIf Ms [redacted] would like to discuss her account she can contact us at [redacted] Regards, [redacted]

This still doesn't address the lack of any statements that I never received over the last 1/years since your company took over this account The statement I received last week from your company appeared to be more for your client's information than mine which is what I referenced in this Revdex.com complaint I understand that the *** *** *** closed June 30, and I did try to deal with them directly regarding this account I realize that dealing with a 3rd party is what I am stuck with I was on a medical disability from work the year my payments stopped to *** *** *** I had, in the past, paid them directly and could see my balance at any time Your company does have a website but when I enter my account # it will not allow me set up a password to log in and bumps me out of the system

Hello,RMS-Recovery Management Services (RMS), Inchas never reported the consumer's account to the credit bureausOur former client *** *** *** reported the account and thus they would have to contact the credit bureaus we cannotThe collection costs that were assessed to the consumer's account were also added by *** *** *** including any adjustmentsMs*** account has been purchased by *** and we are no longer under contract to collect this debtMs*** should contact *** for the promissory notes that she signed which addresses both the consumer's interest rate and that collection costs would be assessed if the loan fell into default statusThe consumer may also request a complete itemized accounting of the debt as we have reported every payment that the consumer has made. Regards,

Hello,
RMS Recovery Management Services, Incwas retained by our client *** *** University to collect an outstanding student accounts receivables balance from the consumerThe consumer did in fact speak to one of our representatives named Travis on 3/29/at 4:Central
timeWe sent the validation notice which is a letter that is required for us to send to the consumer after the initial contact is made per Federal lawWe will honor the consumer's request to not receive any more letters.
Sincerely
*** ***

Hello, RMS-Recovery Management Services, Inchas been retained by *** *** to resolve the consumer's outstanding educational debt in the amount of $The account was placed with my company on 3/7/We have never spoken to the consumer or refused any paymentThe consumer
must be confusing us with another companyWe have also not reported this to the credit reporting agenciesThe consumer can contact us at 8*** to discuss resolution of this debt

Initial Business Response /* (1000, 5, 2014/05/27) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX ext ***
Contact Email: ***@rmscollects.com
Hello,
The account in question is a second placement student accounts receivable from *** College of
*** Mr***'s account was not placed with Recovery Management Services, Inc(RMS) until 1/28/As I attempted to explain to Mr*** this account was placed with a different collection agency before this date and I believe he must have emailed that company as we did not receive the dispute email that he referencesRMS has flagged Mr***'s phone numbers and he will receive no more calls from us
The first dispute that we received from Mr*** was on 4/30/In response to his dispute we changed the ECOA code to reflect that he is disputing the account and have sent him a copy of his enrollment agreement and an Itemized statement of his accountI was not rude or condescending to Mr***Mr*** started swearing at me on the call and that's when I terminated our conversation
Should you have additional questions or require further clarification please feel free to contact me
Sincerely,
Initial Consumer Rebuttal /* (3000, 7, 2014/05/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I received the first correspondence on 1/28, I immediately looked up the agency to review their credentialsI corresponded with them via my work emailLater I received a call at my work number which they would have gotten from my previous correspondenceI called them last week to pay them, as I told the individualHe would not talk to me about payment, until this week because he wanted me to get the information in the mailHe also refused to believe I corresponded with them whatsoever, asking me several times if I sent the item certified mailThe amount has been disputed since the original letter was sentThe reason it was a secondary collection is because the other agency could not validate the accountMy original correspondence also asked that they stop calling me and corresponding me via mail, the calls stopped at this timeI did not receive anything until I checked my credit report and saw this item on thereI have no problem paying, and called trying to do soThe individual may not believe he was condescending, but he was not on the other end of the lineI am a very calm individual who never raises his voice to anyoneIf someone can get me to that point, they have some sort of issue with their demeanorI just want this removed from my credit report, as the original dispute would legally obligate them to do, and I will pay them the $of the original debtTechnically, if I wanted to fight the validity of sending it to collections in the first place, that would be easy, as the school never returned any of my correspondenceA quick search of RMS online will divulge many of the same complaints about rudeness, uncaring individuals, and people that think they are above everyone elseIt's unfortunate that my calling to make a payment turned into this because someone couldn't take seconds out of his day to listen