Rorie, Tom, Attorney at Law

I am rejecting this response because: Again I have received of those kind of notices and I have been paying this bill for over years (2009) and each has me owing more then the acual amount, each time [redacted] (***) contacted me for more months of checks I would ask her why am I not receiving invoices for the money taken out of my account she would then say they would start sending them and again never received any till Sept, Nov, and Dec of and again you have me owing over thousand dollars, and to tell the truth the only thing I have received from you all is notices that you have a new lawyer with being changed in less then a month I even asked to talk to your lawyer you stated he don't talk to clients ? the only reason this has gone to you all is because the company that this bill originaly had it filled bankruptcy ( [redacted] ) and it was a credit card for 3000$ I have said byes we owe it its our debt but want respect from the people that took it over and is not getting it you stated to me you don't send invoices to your clients but in this you are saying you do so what is the real answers to my ? stop beating around the bush and send the required invoices that all biznesses send

I am rejecting this response because: My issue has never been addressedThat is why I have disputed this alleged debtThe car should have never been repossessed as it was taken while the loan was in defermentI was not notified until the car was taken awayI never received proper notification.My response is as follows: Investment Retrievers [redacted] [redacted] ***[redacted] *** [redacted] ***Re: [redacted] (N [redacted] -12/08/2007)To whom it may concern;I am writing in regard to the above referenced account and transactionsThis is not a refusal to pay, but a notice that this account is disputed.This vehicle was repossessed by [redacted] in the State of Maryland on or about, 11/19/2012, and resold on or about 01/23/I do not acknowledge the debt you claim I oweAny such claim that you are asserting is time barred by the applicable statute of limitationsAny further efforts or actions from you, or any communications to me, my family, my employer, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rightsUnder the laws of the State of Maryland UCC § and State RISA and MVISA statutes a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered toPlease also provide:· Copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicleA copy of all documents which bear my signature including all deferment documentsevidence to show that I was aware that the car was no longer deferred but in fact eligible for repossession.· A detailed account statement that shows the dates of all payments, balances, and charges.· Evidence of how the amount due was calculated.· Any additional fees or charges that have been added to your account on top of the balance due.If no such proof is provided within days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC § remedies.Sincerely, [redacted] ***

Dear Ms [redacted] , This letter and any attachments are provided in response to the recently received inquiry concerning the debtOur records indicate we previously received notice demanding we cease communication with youThus, this notice is for limited purpose of responding to the dispute and notification of the results of our investigation.Investment Retrievers, Incis in receipt of the complaint you filed with the Revdex.com dated September 08, and containing reference number [redacted] Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an admission of wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defenses.Investment Retrievers mailed Ms [redacted] a letter on or about June 23, 2017, identifying Investment Retrievers' purchase of the account, notifying Ms [redacted] of Investment Retrievers' intent to report to her credit, and affording her the opportunity to submit a disputeAt the time, there was no response to the letter and there has not been any contact from Ms [redacted] , despite her claim state that she talked to Investment Retrievers on September 07,In addition, Investment Retrievers has attempted to contact MS [redacted] several times, at the phone number user in her complaint, with no responseMs [redacted] claims that she was not given a chance 'to verify information and settle any disputes' therefor, Investment Retrievers has followed this letter with a verification of debt mailed to Ms [redacted] 's address, as seen in her complaint.Additionally, we have received your complaint submitted to CFPB on 9/13/which we are currently reviewingWe hope to have addressed all of Ms [redacted] 's concerns and would be glad to discuss the account after she has reviewed the documents mailed to herSincerely, [redacted]

Attached are the requested documents

Investment Retrievers, Incis in receipt of the rejection of our response to the complaint you filed with the Revdex.com dated June 29, and containing reference number [redacted] Investment Retrievers, Incis happy to provide this response Please note, however, that nothing in this response may be construed as admission of wrongdoing or liability, which Investment Retrievers expressly denied Investment Retrievers also expressly reserves all of its rights and defenses Thank you for providing additional documentation regarding this matter Investment Retrievers, Increaffirms it position that your account, with Investment Retrievers, was never reported to any of the credit reporting agencies Investment Retrievers, Inchas no control over the tradeline submitted by the original creditor, [redacted] Corporation

Investment Retrievers, Incis in receipt of the rejection of our response to the complaint you filed with the Revdex.com dated October 26, and containing reference number [redacted] Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an admission of wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defenses.Investment Retrievers does not provide statements to any of its consumersWhen Ms [redacted] had payments on file, she received payment reminder lettersInvestment Retrievers attempted to convey this information to MsMiller but was unsuccessfulAttached is a sample copy of a payment reminder which includes the total balance dueThis does not reflect any accommodations that may have been made on the account If Ms [redacted] would like to bring her payment plan current and put payments on file, she will be begin receiving payment reminder letters

Dear Mr [redacted] ,Investment Retrievers, Inc("Investment Retrievers") is in receipt of the complaint you filed with the Revdex.com dated May 21, and containing reference number [redacted] Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response maybe construed as an admission of wrongdoing or liability, which Investment Retrievers expressly reserves all of its rights and defense.Your complaint filed with the Revdex.com states that Investment Retrievers did not respond to your request for validation of debt within days and demands Investment Retrievers to delete the account and stop reporting to the credit bureausThe request for validation was received by Investment Retrievers on April 14, and a response was mailed out to you on May 15, The 30th day to respond fell on a weekend, therefor the validation was sent the next calendar day.However, Mr [redacted] , you fail to mention that you previously submitted a request for validation, that was received by Investment Retrievers on February 9, and a validation of debt was subsequently mailed to you on February 10, While the Texas Finance Code does not appear to address a valid time frame for companies to receive and respond to disputes, the Fair Debt Collection Practices Act ("FDCPA") doesSee days validation period described in subsection (a)...")Even though your dispute was untimely according to the FDCPA, Investment Retrievers still validated the debtAnd, even though you submitted a second untimely dispute, Investment Retrievers still validated the debt; both within a day time periodI trust that this response will serve to resolve this matter in fullShould you have any further questions, please feel free to contact me directly.Sincerely, [redacted] Chief Compliance Officer--

Investment Retrievers, Incis in receipt of the complaint you filed with the Revdex.com dated January 29, and containing reference number [redacted] Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an admission of wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defensesInvestment Retrievers would like to address Ms [redacted] ’s first issue regarding the priority mail package she receivedMs [redacted] alleged this was fraudulent account through the credit bureaus, therefor Investment Retrievers mailed Ms [redacted] a letter containing the original creditor, original account number, an internal reference, instructions on how to fill out the affidavit and a fraud affidavitWe are currently waiting for a response from Ms [redacted] so we can complete the investigationRegarding Ms [redacted] ’s second issue, that ***’s advised her to contact [redacted] ***; ***’s sold the account to [redacted] ***, therefor they have no knowledge of Investment Retrievers, IncHowever, if Ms [redacted] was able to get a hold of [redacted] ***, they would advise her they sold the debt to [redacted] who in turn sold the debt to [redacted] who in turn sold the debt to Investment Retrievers, IncWe have attached all of the bills of sale evidencing Investment Retrievers’ ownership of the account

Investment Retrievers, Incis in receipt of the complaint filed with the Revdex.com dated January 31, and containing reference number Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an admission of wrongdoing
or liability, which Investment Retrievers also expressly reserves all of its rights and defenses.Mr*** does not deny owing this debt but rather disputes that the vehicle was sold in a commercially reasonable mannerWhile Mr*** is not specific in his reasoning as to why he believes it was not sold in a commercially reasonable manner, Investment Retrievers will do its best to respond accordinglyThe term 'commercially reasonable' does not have a set definition by law, but rather is typically defined by a series of tests of what a reasonable person would do in a specific circumstancebased on the condition of the vehicle at the time of repossession, the mileage and the Kelly Blue Book("KBB") value, the vehicle was sold at auction in a manner that the original creditor felt was commercially reasonableInvestment retrievers has attached a copy of the vehicle condition report, the KBB for the vehicle and the KBB mileage for the vehicle for ease of reference.Kind Regards, *** ***Chief Compliance Officer

Investment Retrievers, Incis in receipt of the complaint you filed with the Revdex.com dated March 28th, and containing reference number ***Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an admission of
wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defenses.Ms*** claims that Investment Retrievers is re-aging her debt by reporting to the credit bureaus on a debt that is not validThe information reported to the credit bureaus accurately reflects the current disputed status of the account as well as the dates we are required to reportRegarding her question on whether the debt is valid; Investment Retrievers responded to Ms***’s CFPB complaint on September 01st, answering her questions and providing supporting documentationMs*** then submitted several disputes through the credit bureaus, all of which Investment Retrievers responded to in a timely matter with accurate informationInvestment Retrievers also responded to and provided documents supporting the validity of the debt based on the written dispute Ms*** submitted on March 14th, While Investment Retrievers has responded to each dispute providing supporting documentation, we are happy to respond againRegarding the issue of the claim of duplicate reporting due to the original creditor’s tradeline and Investment Retrievers’ tradeline; Investment Retrievers now owns the debt and is required to submit accurate information to the credit bureaus.Ms*** also believes that Investment Retrievers has called her from different phone numbersInvestment Retrievers makes calls from our local and toll free numbers, both of which Investment Retrievers owns and publishes on our website Investment Retrievers will follow this response up by sending supporting documentation to Ms***, including the account balance

Dear Ms***,Investment Retrievers, Incis in receipt of the complaint you filed with the Revdex.com dated August 18, and containing reference number Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an
admission of wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defenses. We received a dispute through the credit bureau, ***, from Ms*** at the beginning of July Based on Ms***'s dispute that there were never a signed contract with Investment Retrievers, we mailed her a full verification of debt including the bills of sale showing the account was sold to Investment Retrievers and the contract showing Ms*** signed a contract with the original creditorThe verification of debt was mailed to Ms*** at the same address she used to submit this complaintFor ease of reference, Investment Retrievers is mailing Ms*** another verification of debt. Should you have any further questions, please do not hesitate to contact me directly at any of the above information

I am rejecting this response because: Investment Retrievers said they was sending me a letter to my address not on line, if it is being sent to me directly then all information I requested should come with the letter.I have repeatidly ask these guys from day to send me invoices and all I got was threats and excuses please send me all invo I requested amount at beginning with interist princiable and balance.im not denying I owe this and have paid give or take a month faithfuly and listened to the threats, I feel I have the right to know,if this can be met then we can resolve thiswith no further action sencerly *** ***

Revdex.com Response: Investment Retrievers, Incis in receipt of the complaint filed with the Revdex.com dated August 7, and containing ID number ***.Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an admission of
wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defenses. With regard to the issues obtaining a full accounting breakdown of payments and the remaining balance, we are sending a lettercontaining the requested information to Ms*** directly at the address provided in the complaintSince the response to this complaint may be madepublic, we will not disclose specific account information in this response

Dear Mr***,Investment retrievers, Incis in receipt of the complaint you filed with the Revdex.com dated June, 29, and containing reference number ***Investment Retrievers is happy to provide this responsePlease note, however, that nothing in this response may be construed as an
admission of wrongdoing or liability, which Investment Retrievers expressly deniesInvestment Retrievers also expressly reserves all of its rights and defenses.Per our records, Investment Retrievers never reported your account with any of the credit bureausIf you have any documents proving otherwise, please forward them as soon as possible so we can do our best to help you.Kind Regards,*** ***Chief Compliance Officer

I am rejecting this response because:Investment Retrievers are liars The first time I contacted them to make a payment plan, they stated they would not report to the Credit Bureau as long as I made a payment plan with them Once I had my my credit pulled, right after I spoke with them, they were already pulling my credit and reporting the credit bureau for over one month I then called to ask why they lied and they had NO ANSWER I then tried to make a payment plan with them and the flat out denied me Once again they are LYING stating that it would have taken over years to pay the debt off I have reported them to the CFPB and they will also be hearing from them as well Now you screwed yourselves because my credit is better now than ever and I will NEVER pay this debt just for the fact you Investment Retrievers IS A LYING CORRUPT COMPANY!! Good luck trying to get your money jerks!!! :D

Please see attached

Investment Retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated January 29, 2016 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response may be construed as an admission of...

wrongdoing or liability, which Investment Retrievers expressly denies. Investment Retrievers also expressly reserves all of its rights and defenses. Investment Retrievers would like to address Ms. [redacted]’s first issue regarding the priority mail package she received. Ms. [redacted] alleged this was fraudulent account through the credit bureaus, therefor Investment Retrievers mailed Ms. [redacted] a letter containing the original creditor, original account number, an internal reference, instructions on how to fill out the affidavit and a fraud affidavit. We are currently waiting for a response from Ms. [redacted] so we can complete the investigation. Regarding Ms. [redacted]’s second issue, that [redacted]’s advised her to contact [redacted]’s sold the account to [redacted], therefor they have no knowledge of Investment Retrievers, Inc. However, if Ms. [redacted] was able to get a hold of [redacted], they would advise her they sold the debt to [redacted] who in turn sold the debt to [redacted] who in turn sold the debt to Investment Retrievers, Inc. We have attached all of the bills of sale evidencing Investment Retrievers’ ownership of the account.

Dear Ms. [redacted], This letter and any attachments are provided in response to the recently received inquiry concerning the debt. Our records indicate we previously received notice demanding we cease communication with you. Thus, this notice is for limited purpose of responding to the dispute...

and notification of the results of our investigation.Investment Retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated September 08, 2017 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response may be construed as an admission of wrongdoing or liability, which Investment Retrievers expressly denies. Investment Retrievers also expressly reserves all of its rights and defenses.Investment Retrievers mailed Ms. [redacted] a letter on or about June 23, 2017, identifying Investment Retrievers' purchase of the account, notifying Ms. [redacted] of Investment Retrievers' intent to report to her credit, and affording her the opportunity to submit a dispute. At the time, there was no response to the letter and there has not been any contact from Ms. [redacted], despite her claim state that she talked to Investment Retrievers on September 07,2017. In addition, Investment Retrievers has attempted to contact MS. [redacted] several times, at the phone number user in her complaint, with no response. Ms. [redacted] claims that she was not given a chance 'to verify information and settle any disputes' therefor, Investment Retrievers has followed this letter with a verification of debt mailed to Ms. [redacted]'s address, as seen in her complaint.Additionally, we have received your complaint submitted to CFPB on 9/13/17 which we are currently reviewing. We hope to have addressed all of Ms. [redacted]'s concerns and would be glad to discuss the account after she has reviewed the documents mailed to her. Sincerely,[redacted]

Dear Mr. [redacted],Investment Retrievers, Inc. ("Investment Retrievers") is in receipt of the complaint you filed with the Revdex.com dated May 21, 2017 and containing reference number [redacted]. Investment Retrievers is happy to provide this response. Please note, however, that nothing in this response...

maybe construed as an admission of wrongdoing or liability, which Investment Retrievers expressly reserves all of its rights and defense.Your complaint filed with the Revdex.com states that Investment Retrievers did not respond to your request for validation of debt within 30 days and demands Investment Retrievers to delete the account and stop reporting to the credit bureaus. The request for validation was received by Investment Retrievers on April 14, 2017 and a response was mailed out to you on May 15, 2017. The 30th day to respond fell on a weekend, therefor the validation was sent the next calendar day.However, Mr. [redacted], you fail to mention that you previously submitted a request for validation, that was received by Investment Retrievers on February 9, 2017 and a validation of debt was subsequently mailed to you on February 10, 2017. While the Texas Finance Code does not appear to address a valid time frame for companies to receive and respond to disputes, the Fair Debt Collection Practices Act ("FDCPA") does. See 15 days validation period described in subsection (a)..."). Even though your dispute was untimely according to the FDCPA, Investment Retrievers still validated the debt. And, even though you submitted a second untimely dispute, Investment Retrievers still validated the debt; both within a 30 day time period. I trust that this response will serve to resolve this matter in full. Should you have any further questions, please feel free to contact me directly.Sincerely,[redacted]Chief Compliance Officer--

Please see attached response.