Simm Associates, Inc.

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** ***’s private student loan owed by North Canyon Trust, and serviced by American Education Services, was referred to SIMM Associates for servicing on 1/7/At the time of contact on 3/at her place of business, the loan was days past due and in jeopardy of defaultingThe representative who contacted her at that time clearly stated his name and that he was calling from SIMM AssociatesIn accordance with client policy, we must authenticate the debtor before disclosing information regarding the purpose of the call in order to not divulge third party informationMs*** refused to provide such information because she stated that the caller did not identify them selfI find it interesting that she listed SIMM Associates in her complaint, which would not be possible if the caller did not disclose who and where they were calling fromWhile our representative could have re-iterated that the call was from SIMM Associates in regards to a personal business matter when the debtor became concerned, I find no evidence that our employee became irate and yelled at the Ms***Due to the complaint, we have closed this account in our office and Mr*** will receive no more communications from SIMM AssociatesIf she has any questions, she may contact *** *** ** *** ** *** ** *** *** *** Thank you

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate mannerWe received Ms***’s complaint in regards to predatory callsIt appears Ms*** may have us confused with another company calling herWe have no one named *** *** in our office and have not placed any calls to her in yearsWe did have accounts for Ms*** in our office previously but as mentioned above they have been closed for a couple of years and no calls have been madeIf Ms*** has any questions, she may contact *** *** at *** ** *** ** *** *** ***

SIMM Associates, Incis a third party collectionagency. SIMM does not purchase or owndebt. It collects on accounts referredto it by debt owners. It was founded andincorporated in in Newark, Delaware. From its inception, SIMM has been dedicated to
providing highlyeffective collection services to its clients, assuring always that the consumeris dealt with in a professional and appropriate manner.The complaint from Ms*** states that she madepayments of $to resolve this account to both Simm and ARS. She indicates that the money order wasprocessed for payment on April 3rd, 2015. She asserts that Simm has “stolen money fromme” Simm has reviewed its payment records for the periodfrom April 1st through May 19th, and finds no paymentprocessed for the account. There were 5payments in that amount processed during the period but all related to otheraccounts. Simm would ask Ms*** torequest a copy of the money order and information from Western Union regardingits processing. *** ***, collectionmanager for Simm, has called Ms*** to request this information. She may contact him at 1***
*** *** If Ms*** has any questions, she may contact ***
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** *** ** *** Simm isprepared to investigate this matter fully upon receipt of information to assistin that investigationThank you

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate mannerMs*** had a PayPal Credit account with our companyShe states she received a call from a rude representative from our office that made threats in attempt to collect the debtShe also says she does not agree with the information in the letter that was sent to herHer account was placed with our company on December 29, We made the first and only attempt to contact her via telephone and the result was a no answerI am not sure who or where this threatening phone call came from but it did not come from SIMM AssociatesWe record 100% of all inbound and outbound calls made from our office and as mentioned earlier, we made one attempt to contact her by phone and we were unable to reach herIn regards to the letter she received, we also only sent one letter to her on December 30, and this was the standard dunning notice that must be sent to all consumers in collectionsDue to PayPal Credit’s policy, we closed this account in our office on January 19th due to this complaintMs*** will receive no further communications from our officeIf she has any questions, she may contact *** *** ** *** ** *** ** *** *** *** Thank you

SIMM Associates, Incis a third party collectionagency. SIMM does not purchase or owndebt. It collects on accounts referredto it by debt owners. It was founded andincorporated in in Newark, Delaware. From its inception, SIMM has been dedicated to
providing highlyeffective collection services to its clients, assuring always that the consumeris dealt with in a professional and appropriate manner.The complaint from Ms*** states that herproblems with Simm began in February of 2015. She states that Simm called multiple times over the past few months, todiscuss a matter related to her motherSimm was referred the account about which it calledon April 2nd, 2015. The firstcall was April 16th, when Simm spoke to Ms***’sex-husband. He advised that Ms***was managing the affairs of Ms***. Four phone calls were placed to Ms*** over the next weeks. On May 1st, she called Simm and discussedthe account, purchases made on the account, and she acknowledged awareness ofthe purchases. She stated she wouldreview the matter and call Simm back. Simm requested account documentation from its client and forwarded theinformation received to the account address care of Ms***. She never called Simm back and, upon receiptof this complaint, Simm ceased collection efforts. If Ms*** wishes to discuss or resolve this matter, she maycontact *** *** *** *** *** ** ***
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SIMM Associates, Incis a third party collectionagency. SIMM does not purchase or owndebt; it collects on accounts referred to it by debt owners. It was founded and incorporated in inNewark, Delaware. From its inception,SIMM has been dedicated to providing
highly effective collection services toits clients, assuring always that the consumer is dealt with in a professionaland appropriate manner.Mr***’s complaint stems from receiving callsfrom two different companies (one being SIMM Associates) in regards to a pastmedical bill for his daughterPer a conversation on March 24, Mr*** statedthis was on his credit report twice and was going to call other company tospeak with themHe returned call on March stating he paid bill to othercompanyWe placed account on a hold to verify payment with clientWe havesince closed account in our office and will remove SIMM from Mr***’s creditreportHe should allow 30-days for credit report to be updated.Should Mr*** have any questions, he may contact*** *** ** ***
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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,

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** ***’s complaint originates from a delinquent account that was placed in our office on March 22nd by our client KlarnaAccount notes show that a purchase from Overstock.com was made using Klarna’s on-line payment methodsIn the complaint she states that our representatives are calling her and asking for personal informationOur representatives are trained to verify 2-points of information before every call in order to verify that they are speaking to the correct party and to not divulge any third party informationThese points of information could be address, birth date, phone number or last digits of their social security numberOnce verification is complete, our representatives can then go into account details in depthDue to the complaint, we have closed this account in our office and forwarded it back to KlarnaMs*** will receive no further communications from our officeShould she have any questions, she may contact *** *** ** *** ** ** *** ** *** *** ***

My experience with Simm Associates, Incfrom the very start was not good at allI was attempting to make a payment online because I know coming from a customer service background speaking with representatives and having a good conversation is far and few in betweenWhen attempting to make a payment I kept on getting issues with not getting a specific confirmation number This lead me to believe that I was on a fraudulent websiteI spoke to a representative over the phone and confirmed that I was indeed on the correct website and she saw my payment being processedGreat! It was satisfactory until the following Monday on my statement I noticed that Simm Associates took out an additional $from my checking accountThere was nothing on the website stating there was any processing fee which I thought was strange, so I did take it upon myself to ask the representative when I confirmed that the payment went through successfully over the phone if there was any processing feeWhich she responded "no, there are no additional fees." A few minutes later I spoke to a manager and he told me that "yes there is a dollar processing fee which is in the terms and services on the website"Which I might add the so-called manager spoke to me in a degrading snarky wayOkay so I agreed to look into the matter just in case I might've missed the fine printOnly problem is that on the website there was no radio dial to check to agree to the terms and services for that matter nothing on the page regarding terms and services of making paymentsTo prove that there was none, myself and the manager walked through the steps of how I made the payment, and he did agree that there was nothing on the website speaking of terms and services, or feesIn addition he spoke with the company's tech team and they informed the manager that they upgraded their software and there was bugs on the updated payment pageSo, he apologized and agreed to give me a full refund of the $and it will take no more than hourshours passed by and still no refundI called a week later after the manager gave me his word just to give it more time to process the refundStill nothingI called from my phone and long and behold I was not able to get into contact with Simm Associates customer service line any longer Anytime I called the phone would ring 10-times and then either disconnect or it would sound like someone picked up the phone and hung upOne can only conclude that my calls were being screenedJust to make sure that nothing was going on my with my phone I immediately called family members and friends to ensure they could receive my calls, which every single person was able to receive my callsWith these results I called back Simm from a different number and they indeed picked up the line without hesitationWhen I spoke to customer service I spoke with the same young lady that told me there was no processing feeI asked her if a refund would ever be processed because I don't want to expect something that is never going to happenShe informed me that " the request has been submitted but it has not been reviewed and it will 7-business days after being reviewed"In so many words as an example I can 'speak to the universe requesting that world peace please be in full affect ASAP' but will it ever go into fruition? After that conversation I realized that I was being lied to and I will never receive the refund
This whole scenario happened at the middle of June and here we are in the middle of JulyI don't expect to ever see the $I just want anyone and everyone else that has to deal with Simm Associates to document everything, and get it in writingI recommend do not pay anything on their website and if you have the resources go to them in person I'm not sure how many people they deal with on a day to day basis but if they interact with persons a day that have the same experience that I've had that equals $a day, approximately $4,a month, and $54,a year! That is too much money any company should be making off of lies and empty promises to good people who just want to pay their billI hope this helps anyone who has to deal with this untrustworthy company

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** ***’s complaint originates from a student loan account that she co-signed for her grandson, *** ***In her complaint she states that she is not sure why a collection agency is contacting her because she has been making monthly payments and feels the account is currentAfter reviewing the account notes and history of the account it shows that this account has been in and out of our office for the last year and a half due to late payments and as of this response it is currently days delinquentDue to the complaint, we have closed this account in our office and forwarded it back to our clientMs*** will receive no further communications from SIMM AssociatesShould she have any questions, she may contact *** *** ** *** ** *** ** *** *** *** Thank you

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** ***’s complaint stems from a student loan account that was placed in our office and has since been settled in fullA call was placed to our office in early February for the purposes of requesting a letter or some kind of documentation showing the aforementioned account has been indeed settled in full and closed with our officeIt seems the letter was not sent as requestedWe apologize for any inconvenience and letters were sent out as previously requested on February 18thWe mailed to the address on fileShould there be any questions, please contact Brad Simendinger at *** ** ** *** ** *** *** ***

*** ***- I am responding to *** ***’s thoughtful reply to my initial response on behalf of Simm Associates.
I included *** *** in my response since he referred to the fact he had given Simm his email address previously.
Initially, I must apologize for the quality of communication received from Simm when this matter was with us for collection. *** *** is not asking for unreasonable information from Simm and I am disappointed we were not able to provide him more of what he sought. This has been addressed with the collection team involved and I appreciate *** *** bringing this to our attention.
A couple of points for clarification. Simm is a third party collection agency. We collect solely on loans that other companies own and that they refer to us for collection. In this instance, Caliber Home Loans referred their account to Simm. We receive an electronic download of pertinent information, but we do not receive an extensive background file with copies of original loan documents, statements, or related materials. When a customer requests these, we must request them from our client. This may have contributed to the frustration with our responses *** *** experienced, but it is not an excuse. It is Simm’s responsibility to work through our clients to get the information for the customer or to cease collection.
That is what has been done in this matter. The account has been closed and returned to Caliber. Simm will have no further role in its collection. As *** *** has already contacted Caliber on a prior occasion, I would encourage that he seek to resolve this matter directly with them.
Thank you for your efforts in helping us resolve this matter. Please call or email me with any additional concerns or questions

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** ***’s complaint stems from a PayPal account that was placed in our office on November 17, He states that he does not owe PayPal any money and the only account he had with them was paid in full two years agoDue to PayPal’s dispute policy this account was closed in our office on February 22ndMr*** will receive no more communications from our officeShould he have any questions he may contact *** *** ** *** ** *** ** *** *** *** Thank you

The agent we spoke with committed criminal fraudHe attempted to extort money from us to pay a student loan of our daughterOur daughter entered a masters programThe Online University got her to sign a loan through *** *** *** saying it was for the first semester and not providing the full paperworkThey infact had her sign for the entire two year program a loan of $22,which within two years they jacked up to $32,By the time she completed her first semester she had become seriously ill with a degenerative nerve and spinal diseaseShe was unable to drive or use her hands and had to drop out*** eventually deferred the loan till she was officially declared disabled, but passed the information on to SIMM AssociatesAlmost a year later SIMM's agent called us one Tuesday night saying the loan was days in arrears (a lie) and that we had to pay $by bank draft or credit card because they were having a court proceeding Friday morning in which all of our assets would be attachedWe could not send a checkNone of us had received any notice of a court actionHe repeatedly refused to answer if he had spoken with our daughterFinally he said she had not answered the calls, letters, or emailsShe had not received any communicationsFurther she has the deferment notice in writing which is still in effectSIMM was simply trying to extort money from her elderly mother by fraudulent claims and threats

*** *** *** *** is seeking approval of a settlement to which Simm Associates, Incdid not agree. On February 14th, *** *** called in to discuss his National Collegiate Trust student loan. An agreement was reached calling for one payment of $1,to be
made on February 18th, and monthly payments of $411.33. The total settlement was $5,against a then due balance of $7,749.19.
Simm’s collection notes reflect these specific terms. *** *** made the initial $1,on February 18th. On March 17th, the date the first installment of $was due, Simm called *** ***He suggested that Simm had offered to settle the account for a payment of $3,500. Our representative advised that we did not and could not agree to such a settlement. Two days later, we received this complaint.
Simm can offer *** *** two options to resolve this matter. He may resume the payment schedule stated above by making the March and April payments by April 17th, thereupon resuming the scheduled payments. Alternatively, he may make one payment of $4,649, payable by April 30, 2014.
Upon receiving his election, I will have a new settlement agreement sent to him via email at *** Should he have any questions, he should contact our collection manager, *** *** ** *** *** ***
Thank you for your assistance in resolving this dispute.
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SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** *** states in her complaint that SIMM Associates is calling her place of employment in an attempt to speak to her co-worker *** ***She states she notified our representative to please stop calling the numberAfter reviewing the collection notes and listening to call recordings, it seems our representative could have handled this situation betterThis particular representative is new and while that is no excuse, will allow for additional training opportunities to occurDue to the complaint, we have closed this account with our office and forwarded it back to our clientMsZetty or MsWhite will receive no further communications from SIMM AssociatesShould there be any questions they may contact *** *** ** *** ** *** ** *** *** *** Thank you

*** ***- Please extend our apology for the delay in responding to *** ***s inquiry
On August 7, Simm Associates was referred a student loan account in *** ***s name by *** *** Trust Notices were sent to the *** *** address and calls were
initiated to the phone numbers supplied by NCT The account was reported as a collection account to the credit reporting agencies Per Simm's notes, we were not successful in engaging *** *** in conversation
Per her request, Simm is closing these accounts and returning them to NCT Simm is also deleting its report to the reporting agencies The collection account will be removed
Should *** *** or you have any questions, please contact me at *** ** *** *** *** Thank you

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate mannerMs***’s complaint stems from multiple student loan accounts that have been placed in our officeShe states in the complaint that she does not know who SIMM Associates is, disagrees with the use of her social security number in correspondence sent to her and harassing phone callsSIMM Associates respectfully disagrees with Ms*** on all accountsAll letters that we send are approved by our legal counsel and in no way is it against the law to have her social security number in a letter that is addressed to herIn no way is it visible to a third partyWe have attempted multiple calls to her with no successTo this date we have never actually spoken to her on the phoneA returned call would help limit calls to her and also would allow our representative to help her through the process of taking care of her responsibilitiesDue to this complaint, the account was closed in our officeThere will be no more attempts from our office to contact Ms***If she has any questions, she may contact *** *** ** *** ** *** ** *** *** *** Thank you

11/1/ SIMM Associates, Incis a third party collection
agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner*** ***’s complaint originates from a PayPal Credit account that was placed in our office on October 10thIn her complaint she states that she received a collection notice from our office and that she has never had a PayPal Credit accountFirst and foremost, SIMM Associates has been in business for years and has a very good reputation in the collection industryAs for the account, if Ms*** is not familiar with PayPal Credit than she may want to file a fraud claim with PayPal Credit as someone has opened an account with her name and address of ** *** *** *** *** Due to PayPal Credit’s complaint process, this account was closed with our company and forwarded back to PayPal CreditShould Ms*** have any questions, she may contact *** *** ** *** ** ** *** ** *** *** ***

SIMM Associates, Incis a third party collection agency. SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners. It was founded and incorporated in in
Newark, Delaware. From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate mannerMr***’s complaint originates from a student loan bill that was placed in our office on March 15thIn his complaint he states that he requested an original bill from creditor which he says he has yet to receiveHe also states that he has received repeated calls at his place of employment after he advised not to do soUpon researching the account notes for Mr***’s account, we in fact did e-mail him validation letters and the promissory note on March 29th to the e-mail address he provided us during a phone conversationIn regards to calling his place of employment, on April 13th we placed a call to his place of employmentOn that call a co-worker notified our representative that Mr*** told her to not take any more messagesOur representative immediately removed the number and it has not been called sinceDue to this complaint, we have closed this account in our office and no more communications will be attempted from SIMM AssociatesShould Mathew *** have any questions, he may contact Brad Simendinger at *** ** ** *** ** *** *** ***