Rorie, Tom, Attorney at Law

Investment Retrievers, Inc. is in receipt of the complaint you filed with the Revdex.com dated January 26, 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. The phone call in question occurred January 26, 2016 at 10:01am. After review of the call recording, it was determined that no reason was given to the recipient for the employment verification, the recipient never asked what the reason for the call was, or what company the call originated from. There was no misrepresentation of the purpose and/or reason of the call. We have, however, marked our records to ensure no phone calls are made to [redacted] regarding the employee the verification was requested on.

I am rejecting this response because: Again I have received 3 of those kind of notices and I have been paying this bill for over 5 years (2009) and each 1 has me owing more then the acual amount, each time [redacted] ([redacted])  contacted me for 6 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 2014 and again you have me owing over 5 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 2 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 b4 yes 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 1 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:The account was reported under the original creditor, [redacted]. I have attached the following:+ Your settlement letter that explains that this item will be updated to show as paid + Information from the credit report showing it as outstanding+ The check you used to draft funds for this paymentI appreciate your help in getting this resolved.[redacted]

I am rejecting this response because:the vehicle had no scratches when it left my property. Any damage occured after it was no longer in my possession. I do dispute owing the debt.

I am rejecting this response because: My issue has never been addressed. That is why I have disputed this alleged debt. The car should have never been repossessed as it was taken while the loan was in deferment. I was not notified until the car was taken away. I never received proper notification.My response is as follows: Investment Retrievers[redacted] 
[redacted]Re:[redacted] -12/08/2007)To whom it may concern;I am writing in regard to the above referenced account and transactions. This 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 01/23/2013. I do not acknowledge the debt you claim I owe. Any such claim that you are asserting is time barred by the applicable statute of limitations. Any 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 rights. Under the laws of the State of Maryland UCC § 9.506 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 to. Please also provide:·         Copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. A copy of all documents which bear my signature including all deferment documents. evidence 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 14 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 § 9 remedies.Sincerely,[redacted]

Investment Retrievers, Inc. is in receipt of the complaint filed with the Revdex.com dated January 24, 2017 and containing reference number 11952656. 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.   Ms. [redacted] defaulted on her Wells Fargo Auto Finance account by failing to make payments due On or after August 24, 2007. After Ms. [redacted] stopped making payments on wells Fargo Auto Finance account, her vehicle was repossessed and sold at auction on September 11, 2007. As a Result a deficiency in the amount of $10,256.57. Ms. [redacted] failed to make payments on the debt Which was subsequently sold to Investment Retrievers on or around May 29, 2008. A judgement Was entered against Ms. [redacted] on July 24, 2009.   Per the fair credit Reporting Act 15 U.S.C  1681b(a)(3)(A) Investment Retrievers has the Permissibly purpose to pull Ms. [redacted] credit report for “review or collection of an account …”. Although Ms. [redacted] did no sign a contract with Investment Retrievers, her account was purchased Or on around May 29, 2008. All of the evidence of the purchased and transfer of ownership was Included in the lawsuit filed against Ms.  [redacted] on or around May 06, 2009. Investment Retrievers Is no longer reporting to Ms. [redacted] credit, so it is unsure of how Ms. [redacted] believes that a false Date is being used to collect the debt.   In addition to the issues Ms. [redacted] addresses, Investment Retrievers would also like to note that Ms. [redacted] alleges she spoke with Investment Retrievers on January 24, 2007, but Investment Retrievers did not own the account until May 29, 2008. Ms. [redacted] also alleges that she spoke with Investment Retrievers on January 24, 2009 but there is no record of that in the company’s System. Ms. [redacted] did however send a letter to the then attorney handling the file, Mr. [redacted], Stating that,” I am facing financial hardship bit I understand that I am responsible for the debt Since I did not response to the initial judgement, “and made four payments towards the debt   We hope to have addressed all of Ms. [redacted] concerns and would be glad to send over any documentation That may be needed. Kind Regards [redacted], Chief Compliance Officer     This is an attempt to collect a debt by a debt collector. Any information obtained will be                                                                    for that purpose.

Attached are the requested documents.

I give authorization to send financial information to Revdex.com from Investment Retrievers

Please see attached response

Investment Retrievers, Inc. is in receipt of the complaint filedwith the Revdex.com dated August 4th, 2015 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 ofwrongdoing or...

liability, which Investment Retrievers expressly denies.Investment Retrievers also expressly reserves all of its rights and defenses. Mr. [redacted] questions why the balance of the account ishigher than he recalls. Investment Retrievers obtained a judgment against Mr.[redacted] regarding this account on September 18th, 2008 filed inLos Angeles county in the Chatsworth district court. The total amount of thejudgment awarded was $6,014.15. As awarded in the judgment, interest has beenaccruing at the rate of ten percent since the judgment was entered.

Investment Retrievers, Inc. is in receipt of the rejection of our response to the complaint you filed with the Revdex.com dated June 29, 2016 and containing reference number [redacted].  Investment Retrievers, Inc. is 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, Inc. reaffirms it position that your account, with Investment Retrievers, was never reported to any of the credit reporting agencies.  Investment Retrievers, Inc. has no control over the tradeline submitted by the original creditor, [redacted] Corporation.

Investment Retrievers, Inc. is in receipt of the rejection
of our response to the complaint you filed with the Revdex.com dated October 26, 2015
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 does not provide statements to any of
its consumers. When Ms. [redacted] had payments on file, she received payment
reminder letters. Investment Retrievers attempted to convey this information to
Ms. Miller but was unsuccessful. Attached is a sample copy of a payment reminder which includes the total balance due. This 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.