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*** *** states in her complaint that since the loan defaulted as a result of financial hardships, she has attempted to work with SIMM Associates on a payment plan that fits her budgetShe confirms that she made payments to SIMM Associates in accordance with a temporary hardship plan which required her to pay an initial payment of $1400.00, then six months of $Ms*** states that the representatives at SIMM Associates are rude and disrespectfulA review of this call would indicate that our representative handled the call professionallyWhile some of the content in the talk off could be improved, the overall content would suggest that our representative diffused, at times, an argumentative tone of Ms***She claims that we refused to provide an accounting summary of her loan, which would include assigned balance, current balance, payments made to date and how they were applied to the account*** ***’s defaulted private student loan in the amount of $45,979.14, owned by National Collegiate Trust, was assigned to SIMM Associates in February Our client’s instruction is to satisfy the balance of the loan in a time frame that meets National Collegiate Trusts expectationsSince the loan is no longer performing, the expectation is that the balance is due immediatelyAs part of the qualifying parameters set by our client, we have the authority to approve temporary hardship payment arrangements as to provide the customer time to explore resources to satisfy the obligation by either paying it in full or to benefit from an approved settlement amountAs we are not the system of record, we are not in a position to generate monthly statements to provide a full accounting of how payments are disbursed and/or applied to the outstanding balance Since the loans continue to accrue interest, we again rely on our client as the system of record and are not able to provide reconciliation via statementsBased on further review of the call, our representative agreed to extend the hardship payment arrangements with the understanding that the Ms*** would explore the options presented to her during the call for complete resolutionIt would seem that she understood the requirements and agreed to follow back up with our representativeDue to the complaint, this account was closed with our company and forwarded back to our clientShould Ms*** have any questions, she may contact *** *** at *** ** ** *** ** *** *** ***

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*** ***’ complaint stems from a PayPal Credit account that was placed in our office on June 2, In her complaint she states we called her husband at his place of employmentShe states she has not received any calls and that we should be attempting to contact her due to this being her billIt seems there was some confusion on this account due to the closeness of their namesHer husband’s name is *** *** and due to the closeness of their names we had his place of employment as hersWe pulled the recording for our attempt at the place of employment and our representative clearly asks for *** and the women who answered the phone stated she does not work here but her husband doesOur representative then asked if he could still leave a messageDue to PayPal Credit’s complaint policy, we have closed this account in our officeMs*** nor her husband will receive any further communications from our officeIf she has any questions, she may contact *** *** ** *** or call 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 manner*** ***’s complaint stems from a student loan account that was assigned to our company on November 13, She states in her complaint that she is not sure why she is receiving so many calls and she does not understand why her account has been assigned to us since it is less than weeks delinquentHer account has been past due off and on since Regardless of how past due the account is has no bearing on collection activityOnce the account is considered late, it is immediately sent to collections even though it may only be late weeksIn regards to her concerns of multiple calls, we have yet to speak to her and never have received a return call back from Ms*** after leaving multiple messagesThis is also why others have received callsShe mentions in her complaint that her brother is also being calledWe have *** *** as the co-signer on the account which is why he has received calls from our companyDue to her complaint, we have closed her account with SIMM Associates and she will receive no further communications from our company
Should Ms*** have any questions, she may contact *** *** ** *** or by phone at *** *** ***

The account has been recalled by the client Simm has no further role in this matter Simm will not call or contact Ms*** regarding this matter again

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 student loan accounts placed in our officeShe states in the complaint that has been receiving calls at work and was over charged per the agreement made via a phone conversationAfter reviewing the phone calls that were recorded, we feel that our representative should have been more clear on the payment amount and fees that were going to be assessedWe have addressed this with the representative and will continue to educate not only this particular representative but also others so we can limit any concerns or complaints made by consumersIn regards to receiving calls, Ms*** will receive no more from SIMM Associates as this account was closed with our office and forwarded back to our clientShould Ms*** have any questions she may contact *** *** at *** ** *** ** *** *** *** 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 Simm sendsher letters advising that her student loans are delinquent and have been placedwith Simm for collection by the loan owners, Lexington Student Loan, LLC. She indicates that she has spoken with AES,the loan servicing company and they do not know anything about Simm. She also asserts that her accounts are up todate. She further states that Simm has somehowgotten her mother’s number and called her seeking payment. Finally, she says the letters from Simmcontain an incorrect phone number. Simm was referred delinquent accounts in the namesof *** and *** *** by Lexington Student Loan, LLC, the holder ofthe loan. The accounts were referred onMay 14th and 15th Simm placed calls to the numbers provided byLexington on May 14th and *** returned one of those calls. She advised our representative that ***managed the loans and that she would have *** contact Simm. The loans were recalled by Lexington on May20th and 21st as a result of payments received. Simm is unable to address the informationprovided to Ms*** by AES. Simmhas made our client aware of the issue. Simm called *** *** because she is a co-obligor on these loans,coequally responsible for their payment. I have reviewed the letters sent to Ms***. Each reflects a proper number forreaching Simm. The numbers were*** *** ***
If Ms*** has any questions, she may contact ***
*** *** *** *** ** ***
** *** ** *** *** *** Thank you

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,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.again, I request cease communication via any/all phone numbers on fileI have scheduled a payment directly on AES' websiteAnd, furthermore, the email address provided is MY personal email and where any further communication should be directed

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 July 19, In her complaint she states she received an e-mail from SIMM Associates attempting to collect a debt and that a written letter must be sent firstShe also states that she did not purchase anything on EBAY or use PayPal CreditAs I mentioned previously, we received this account from PayPal Credit on July 19, On July 20, we sent the required dunning notice via mail to Seaview Avenue in Jersey City, NJWe have yet to receive any return mail back, so we assume this is the correct addressWe sent our first e-mail to an address provided by our client on August 25th which would be outside the day required validation periodWe did not place any calls to Ms***Due to PayPal Credit’s complaint policy, we have closed this account in our office and forwarded it back to themShe will receive no more communications from SIMM AssociatesShould Ms*** have any questions she may contact *** *** ** *** ** *** ** *** *** *** Thank you

SIMM Associates, Inc. is a third party collectionagency.  SIMM does not purchase or owndebt.  It collects on accounts referredto it by debt owners.  It was founded andincorporated in 1991 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 [redacted] relates to two calls,one received by her daughter at work, the other her call following up thatcall.  Both calls were handled by thesame representative.  A review of Simmcall records indicate that the representative was less cooperative than Simm wouldexpect.  He did not divulge third partyinformation to the employer, but he may have allowed such an inference.  The inward call was handled appropriately butthe collector did seem impertinent.  Correctiveaction has been taken regarding the representative.  On behalf of Simm, I apologize for the conduct ofour representative.  While not illegal,it was insensitive.  With questions,please contact [redacted]
[redacted]  Thank you.

SIMM Associates, Inc. is 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 1991 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. [redacted]’s complaint stems from a student loan account that was placed in our office on August 4th. In the complaint he states that SIMM Associates has never called him but has called his aunt and that SIMM Associates is to not call his grandmother. We did mail out the initial dunning notice on August 12th. Per his complaint, this letter has been received. In regards to phone contact, we have made several attempts to contact Mr. [redacted] through his work phone and cell phone with no success. As of this complaint, he has yet to return any messages that our associates have left. For this reason, others were called. In regards to his aunt, we called her merely for location information which is legal under the FDCPA. Ruth Cubert, his grandmother, was called because she is the co-signer on the account. Due to being the co-signer on the account, she is just as responsible for this debt as Mr. [redacted]. As a result of not being able to establish contact with Mr. [redacted], we had no alternative but to call the co-signer on the account. Due to the complaint, we have closed this account in our office and forwarded it back to our client. Mr. [redacted] will receive no further communications from our office. Should he have any questions, he may contact [redacted] at [redacted] or by phone at [redacted]

SIMM Associates, Inc. is 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 1991 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. Mwaura [redacted]’s complaint is in regards to a student loan account that she cosigned for her daughter. The account was placed in our office on July 1, 2016. In her complaint she states that the balance of this loan is not due until her daughter graduates and that her daughter alone is responsible for this debt. As mentioned previously, Ms. [redacted] cosigned for her daughter so she is indeed just as responsible for this debt as her daughter. In regards to payments not being due until her daughter’s graduation, this is simply not true. There are various reasons that would cause a loan to go into repayment before the student graduates. We would suggest Ms. [redacted] call AES, the servicer for the loan, to ascertain as to why this account is now in repayment status. Due to this complaint, the account was closed in our office and forwarded back to AES. There will be no more attempts from our office to contact Ms. [redacted]. If she has any questions, she may contact [redacted] at  [redacted]  Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I do NOT own a Wyndham timeshare or ANY timeshare.

SIMM Associates, Inc. is 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 1991 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.Simm was referred an account by LVNV Funding, LLC onNovember 10th, 2014.  Theaccount was in the name of [redacted], deceased.  Simm was to see if an estate had beenprobated and if not, to seek to file a claim in the estate.  An initial notice was sent a few days afterreceipt of the account by Simm.  Simmnotes do not reflect any calls to Ms. [redacted], the complainant herein,but an unidentified number was called to seek information regarding theestate.  This may have reached Ms.[redacted].  In response to this complaint, Simm has closed theaccount and returned it to our client. Should Ms. [redacted] have questions, she may contact [redacted]Director of Compliance, Simm Associates, at [redacted]or may call [redacted] 
[redacted]

SIMM Associates, Inc. is 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 1991 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. [redacted]’s complaint stems from a student loan account that was placed in our office. The student loan is being serviced by American Education Services and at the time of the complaint was 133 days past due. [redacted] is the co-signer on the account. It seems [redacted] may be her father in law and due to him being the co-signer on the account would be the reason for our representative’s request to have a conference call with him involved. All personal information provided on her account was passed to us by AES when the account was assigned. Due to the complaint we have closed this account in our office and forwarded it back to the AES. Ms. [redacted] will receive no further communications from SIMM Associates. Should she have any questions, she may contact [redacted] at [redacted].  Thank you.

The attached complaint was filed with both the Revdex.com and the Consumer Financial Protection Bureau.  Attached below is the response filed with the CFPB.  Please accept our apology that you were not included upon this response when it was transmitted to the CFPB last week.  
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 If you have any questions, please contact [redacted]  Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.  I  recently  spoke  to  Dave  Becker  about  this  matter  and  he  stated  that  he  needed  a  copy  of the  cashed  money  order  that  was  sent  to  Simms  Associates  because  he  stated  that  the  company  never  received  anything  but  received  payments  I  made  in  the  past.  I'm  going  to  attempt  to  get  a  copy  of  the  cashed  money  order  from  Western  Union  to  send  to  Simms  Associates  as  requested.  Hopefully,  once  received  my  money  of  $277.00  will  be  reimbursed  to me  paid  in  full. Once  this  occurs,  then  this  situation  will  be  resolved.  I  would  like  to  keep  this  complaint  open  until  this  matter  is  solved  to  my satisfaction.
 
Regards,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], The information stated by the company in inaccurate.  Sims is a predatory collector you scavenges for accounts to make make money from the lender. AES advised that they did not refer my account to Sims and they would be filing an harassment grievance against them on my behalf.  AES has put my account in forbearance which further proves that the file was not sent to collections.  My claims to filing a lawsuit was against Sims not AES. As long as I and my co-signer receive no further contact via phone or mail find that this resolution is satisfactory to me.
Regards,

Simm Associates is unable to locate an account in Ms. [redacted]'s name.  We searched her name and the phone number provided without success.  Please have her provide us with information regarding the account about which Simm called.  Simm leaves a file number in most...

messages...that would help us locate the account and reply more fully.  Other information that aids in locating such an account is demographic information such as address, phone numbers, date of birth, or the like.  Please assure Ms. [redacted] that Simm will do all it can to assist her with this matter.  Thank you.

[redacted] filed a similar complaint with the CFPB.  I have attached Simm's reply hereto.  If additional information is needed, please advise.