Spire Recovery Solutions LLC

Complaint ID [redacted] Spire Recovery Solutions, LLC (SRS) is in receipt of complaint ID: [redacted] received by email on 2/25/and the following steps have been taken place · Account Identified · Account locked · Recordings and notes reviewed · Collector interviewed Mrs [redacted] ’s account [redacted] with [redacted] was placed in our office on a contingent basis from our client on 2/5/ On 2/8/Mrs [redacted] called into the office from a previous message that was relayed for herThe number ###-###-#### that was displayed on her caller ID is a phone number owned by our company and displays in the consumer(s) area code to prevent long distance charges from being accrued by the consumer(s)Our Representative did not tell Mrs [redacted] that this account was going to be reported to her credit during any point in the conversationWe apologize for the way Mrs [redacted] interpreted her experience with our company, although our representative did everything she could to find an arrangement that would fit her financial situation and company parametersPer the request from Mrs [redacted] the payment made on 2/19/has been refunded and can take 3-business days to be returned to her accountWe understand that the collections process can be emotional experience and arise questions of legitimacyAlthough we are not a Revdex.com accredited business, we are a legitimate company and have attached our license in the state of LA where Mrs [redacted] s resides to substantiate our company’s legitimacyIn addition if Mrs [redacted] calls the original creditor she will be forwarded back to our company through the chain of titleMrs [redacted] can be assured that her account is in a locked status and we will not attempt to contact her againIf and after validating our legitimacy with [redacted] if Mrs [redacted] wishes to satisfy her obligation she may contact us back to re-stablish the previous arrangement on fileWe believe our company has acted in good faith and think our resolution should bring closure to this matter If Mrs [redacted] needs any further assistance she can contact our office and request to speak with a supervisor at ###-###-#### If the consumer has any further questions or concerns we encourage them to contact our customer complaint service number at ###-###-#### or by email [redacted] Consumers may also request assistance via web through our “Resolution Center” tab at [redacted] This response contains confidential information such as names, account numbers and creditors contained within [ ], please ensure all the aforementioned data is masked Sincerely, Compliance Management Spire Recovery Solutions, LLC

Spire Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of [redacted] as of 5/02/received by email We would like to thank you for bringing this matter to our attention and giving us an opportunity to respondSRS takes all complaints very seriously and have conducted an internal investigation regarding this complaint On 4/19/our office contacted [redacted] in regards to a debt placed in our office He acknowledged the debt and agreed to set up a payment arrangement The payment was secured by a credit card scheduled to be debited on 4/26/ The transaction was declined due to insufficient funds on the cardMr [redacted] decided to investigate the debt He contacted the wrong original creditor to validate the debt He was under the impression that our agency was attempting to collect a debt he did not owe Mr [redacted] contacted our office on 4/26/after we contacted him about the declined payment Management explained to him that he had contacted the wrong company and provided the proper account information He was satisfied with the information provided and set up another payment arrangement for 4/27/ That payment also declined due to insufficient funds on the card Mr [redacted] contacted the office on 4/29/to set up another payment arrangement for 4/29/2016, that payment was approvedOur policy is to send a Payment Authorization Document to the consumer to be signed and returned prior to sending a Paid-In-Full DocumentThis was explained each time a payment arrangement was made This policy protects the consumer and our agency from unauthorized transactionThe debt has been pain in full Receipt of the transaction via a Pain-In-Full Document will be provided when the required authorized payment document is returned to our office Any future communication about this debt will not be from our agency The Paid-In-Full document will release Mr [redacted] from accountability for this debt.If Mr [redacted] has any further questions or concerns we encourage him to contact our customer complaint service number at (844) 332-or by email [email protected] may also request assistance via web through our “Resolution Center” tab at [redacted]

[redacted] Spire Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of [redacted] as of 5/02/received by email We would like to thank you for bringing this matter to our attention and giving us an opportunity to respondSRS takes all complaints very seriously and have conducted an internal investigation regarding this complaint On 4/19/our office contacted [redacted] in regards to a debt placed in our office He acknowledged the debt and agreed to set up a payment arrangement The payment was secured by a credit card scheduled to be debited on 4/26/ The transaction was declined due to insufficient funds on the cardMr [redacted] decided to investigate the debt He contacted the wrong original creditor to validate the debt He was under the impression that our agency was attempting to collect a debt he did not owe Mr [redacted] contacted our office on 4/26/after we contacted him about the declined payment Management explained to him that he had contacted the wrong company and provided the proper account information He was satisfied with the information provided and set up another payment arrangement for 4/27/ That payment also declined due to insufficient funds on the card Mr [redacted] contacted the office on 4/29/to set up another payment arrangement for 4/29/2016, that payment was approved Our policy is to send a Payment Authorization Document to the consumer to be signed and returned prior to sending a Paid-In-Full DocumentThis was explained each time a payment arrangement was made This policy protects the consumer and our agency from unauthorized transactionThe debt has been pain in full Receipt of the transaction via a Pain-In-Full Document will be provided when the required authorized payment document is returned to our office Any future communication about this debt will not be from our agency The Paid-In-Full document will release Mr [redacted] from accountability for this debtIf Mr [redacted] has any further questions or concerns we encourage him to contact our customer complaint service number at ( [redacted] or by email [redacted] Consumers may also request assistance via web through our “Resolution Center” tab at [redacted] Sincerely, Compliance Management Spire Recovery Solutions, LLC

I just want the threats of wage garnishment to stop and then to try and work with me to resolve this matter I already repaid my boyfriend the money they took out I feel with the previous payment I had made to the original creditor I had taken care of the loan but apparently these loan sharks applied majority of the payments to there interest never the the principle balance Close my case

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Spire Recovery Solutions takes any complaint received by our agency as a serious matter We will conduct a through investigation of the allegations and perform whatever remediation if any that may be required We have reviewed the account notes and found that [redacted] refused to properly identify them self on two prior occasions The party of interest stated that Angel was a male and later as a female During the prior communications the consumer hung up on the agentFDCPA states that we cannot divulge personal information to anyone except the party of interest The consumer became argumentative and the agent discontinued the conversationSpire Recovery Solutions has honored the consumer's request and status the account as Cease and Desist All phone numbers have been removed from the file and no further communications shall be attemptedThe business additionally responded to Revdex.com to state" we will be informing our client and current creditor of this account to aid and prevent future calls regarding the matter."

Spire
Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of
*** as of 6/21/received by email.
We would like to thank you for bringing this matter to our attention and
giving us an opportunity to respond.
SRS
is a third party debt collection agency
that collections nationally for our
clients on a contingent basisSRS does not own or purchase any of the accounts
that we collect onHere at SRS we strive to provide a friendly customer
experience throughout the collections process, we regret to hear that Mrs*** experience was anything lessOn 6/11/we received two accounts from our
client [Diversified Funding Associates, LLC] on a contingency basis for Mrand
Mrs*** for [*** *** Bank] ending in and Initial validations
notices were mailed on 6/12/to [PO *** ** Hills MN 56138]Our company was
not aware that these accounts were previously disputed, the previous collection
agency that serviced these accounts did not status the accounts properly before
resale or returning them to the their client(s) or there was a clerical mistake
made during data transferSRS has put a media request in with our client to
obtain original contracts and charge statements related to the accounts in
questionThis process can take up to thirty days in total to processreturnWe will
heed the request of Mrs.*** and not attempt to collect these accounts any
furtherIn accordance with company policy when a complaint is received the
accounts are placed in a locked Cease & Desist status preventing any
further phone callsWe understand the collections process may be confusing and
stressful and apologize for the way Mrs.*** perceived her interaction with our
companySRS would like to state for the record per the recording at no point in the
conversation did our representative use the term “liar” when addressing Mrs.***, this would not be aligned with our companies ethics or policiesNonetheless
we hope our response is satisfactory and can bring closure to this matter
If
the consumer has any further questions or concerns we encourage them to contact
our customer complaint service number at (844) 332-or by email ***Consumers may
also request assistance via web through our “Resolution Center” tab at www.spirerecoverysolutions.com
Sincerely,
Compliance
Management
Spire
Recovery Solutions, LLC

Clifton G*** Chief Compliance Officer Spire Recovery Solutions LLC South Transit Road Lockport, NY April 9, Attention: *** Revdex.com Bryant Woods South Amherst, NY Re: *** ** *** Complaint ID *** Dear Ms
*** We would like to thank the Revdex.com for bringing this matter to our attentionSRS takes all complaints very seriously and we look forwarding to resolving this situation We received the complaint from your agency on 4/6/concerning the handling of Ms*** *** account by our officePer our policy I have reviewed the account notes and recordings and interviewed the agent which established Ms*** payment arrangementThere was no legal jargon stated especially being sued or jailedOur records do not indicate that we missed any of Ms*** attempts to communicate with our agency. However, we would like to know the phone number that she called and the email address in which she got no response Ms*** entered into a payment arrangement to resolve her installment loan with a balance of $1,238.58. She agreed to place a down payment of 5% which equaled $on 10/20/2017. The remainder of the balance was to be paid over the following months. She was to make biweekly payment of $with a final payment of $due on 4/6/2017. Ms*** made the down payment and payments of however she stopped payment on 4/6/for the final payment of $ Our records indicate that there is still a balance owed of $98.10. We assume that there must be an oversight on her part. However we are willing to refund Ms*** the $she requested and settle her account for $1,042.48. We will forward Ms*** an electronic document to sign illustrating this adjusted payment arrangementUpon her signature and our receipt of the document we will issue her a document stating that the debt has been satisfied along with a refund of $ If any further assistance is required from our organization, please contact me by email at *** or phone ###-###-####The consumer can use our resolution center on our website to make direct contact with a compliance team member We trust that our response is satisfactory to all parties involved in this matter and nothing further will be required by our agency Yours Truly, Clifton G*** Spire Recovery Solutions

Spire
Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of *** as of 9/18/received by email. We
would like to thank you for bringing this matter to our
attention and giving us
an opportunity to respond
We
have an account in our office for *** *** account number ending in
received from our client as of 9/14/In accordance with company policy
when a complaint is received our office places a cease & desist that locks
the account from collection activityOn 9/16/our office made contact
directly with Mrs*** and informed her of the account owedMrs***
informed our representative that she did not recognize the account and
terminated the callAny communication attempts made to contact Mrs***
have been in full compliance with state and federal guidelinesOur office will
not will disclose information without verifying personal information with the
account holderSRS will heed the requests of Mrs*** and cease collection activities
and update and necessary credit reports if applicableWe apologize for the way
Mrs*** interpreted the conversations with our office It is not SRS’s intentions to provide
anything less than a comfortable and professional collections process for our account holdersIf an
SRS agent is found to be in violation of our company policies and procedures their
employment will be negatively affectedWe believe this response will provide closure to this matter.
If
Mrs*** has any further questions or concerns we encourage her to contact
our customer complaint service number at (844) 332-or by email ***Consumers may
also request assistance via web through our “Resolution Center” tab at ***
Sincerely,
Compliance
Management
Spire
Recovery Solutions, LLC

TClifton G***, CCOSpire Recovery Solutions, LLCSouth Transit RoadLockport, NY 14094Phone: ###-###-####December 12, 2017Revdex.comBryant Woods DriveAmherst, NY 14228 Dear Ms***:Spire Recovery Solution (SRS) received Ms*** *** complaint ID *** about our
business on 12/11/SRS considers any complaint concerning our business an important issue. We conduct a thorough investigation whenever an accusation is made. This involves interviews with individuals cited, review of account notes and call recordingsMs*** account was placed with our agency for the purpose of recovering the funds from a loan that defaulted on 3/3/2017. Her account was forwarded to SRS on 10/19/2017. Collection activity began on 11/21/2017. Calls were made in an attempt to locate Ms*** to reconcile her defaulted loan. The numbers called were a direct reflection of the number provide for approval of the loan. Unfortunately, one of the numbers included was her employer. Contact was made with Ms*** on 11/22/at 2:PM. Ms*** entered into a repayment agreement on that day. There was no further reason to contact her employer or references. Her payment declined on 11/30/2017. Our agency was unable to reestablish contact with Ms*** to resolve the declined transaction. Therefore her original contacts were called in an attempt to reach her.Spire Recovery Solutions has ceased all collection activities associated with Ms***. No further contact by our agency will be made with her or her references. Our client has been notified about this action and the complaint. Our conclusion is that there has been a misunderstanding, however, our agency followed due process in order to resolve Ms*** outstanding loan.If Ms*** has any further questions or concerns we encourage her to contact our customer complaint service number at ###-###-#### or by email at [email protected]. Consumers may also request assistance via the web through our Resolution Center tab for www.spirerecoverysolution.com.Sincerely, Clifton G***, CCOell us why here

Revdex.comBryant Woods SouthAmherst, NY 14228Complaint ID ***Spire Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of *** as of 7/13/2015 received by emailWe would like to thank you for bringing this matter to our attention and giving us
an opportunity to respond. SRS is a third party debt collection agency that collects nationally for our clients on a contingent basisSRS does not own or purchase any of the accounts that we collect onHere at SRS we strive to provide a friendly customer experience throughout the collections processIn accordance with company policy when a complaint is received the accounts are placed in a locked Cease & Desist status preventing any further phone callsSpire Recovery Solutions, LLC would like to bring resolution to this matter by closing this accountNo further collection attempts will be made by our company.If Mrs*** has any further questions or concerns we encourage her to contact our customer complaint service number at ###-###-#### or by email ***@spirerecoverysolutions.comConsumers may also request assistance via web through our “Resolution Center” tab at www.spirerecoverysolutions.com.Sincerely, Compliance ManagementSpire Recovery Solutions, LLC

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
this company is required to be licensed in every state they do businessbeing licensed in california doesnt allow them to collect in the state of coloradothey have failed to respond to the FDCPA violations, the TCPA violations, or anythingi will have my attorney handle this going forward.
Regards,
*** ***

[redacted]   Spire Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of [redacted] as of 5/02/2016 received by email.  We would like to thank you for bringing this matter to our attention and...

giving us an opportunity to respond. SRS takes all complaints very seriously and have conducted an internal investigation regarding this complaint.  On 4/19/2016 our office contacted [redacted] in regards to a debt placed in our office.  He acknowledged the debt and agreed to set up a payment arrangement.  The payment was secured by a credit card scheduled to be debited on 4/26/2016.  The transaction was declined due to insufficient funds on the card. Mr. [redacted] decided to investigate the debt.  He contacted the wrong original creditor to validate the debt.  He was under the impression that our agency was attempting to collect a debt he did not owe.  Mr. [redacted] contacted our office on 4/26/2016 after we contacted him about the declined payment.  Management explained to him that he had contacted the wrong company and provided the proper account information.  He was satisfied with the information provided and set up another payment arrangement for 4/27/2016.  That payment also declined due to insufficient funds on the card.  Mr. [redacted] contacted the office on 4/29/2016 to set up another payment arrangement for 4/29/2016, that payment was approved.  Our policy is to send a Payment Authorization Document to the consumer to be signed and returned prior to sending a Paid-In-Full Document. This was explained each time a payment arrangement was made.  This policy protects the consumer and our agency from unauthorized transaction. The debt has been pain in full.  Receipt of the transaction via a Pain-In-Full Document will be provided when the required authorized payment document is returned to our office.  Any future communication about this debt will not be from our agency.  The Paid-In-Full document will release Mr. [redacted] from accountability for this debt. If Mr. [redacted] has any further questions or concerns we encourage him to contact our customer complaint service number at ([redacted] or by email [redacted]. Consumers may also request assistance via web through our “Resolution Center” tab at [redacted]. Sincerely, Compliance Management Spire Recovery Solutions, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Complaint ID [redacted]   Spire Recovery Solutions, LLC (SRS) is in receipt of complaint ID: [redacted] received by email on 2/25/2016 and the following steps have been taken place.   ·         Account Identified...

·         Account locked ·         Recordings and notes reviewed ·         Collector interviewed    Mrs. [redacted]’s account [redacted] with [redacted] was placed in our office on a contingent basis from our client on 2/5/2016.  On 2/8/2016 Mrs. [redacted] called into the office from a previous message that was relayed for her. The number ###-###-#### that was displayed on her caller ID is a phone number owned by our company and displays in the consumer(s) area code to prevent long distance charges from being accrued by the consumer(s). Our Representative did not tell Mrs. [redacted] that this account was going to be reported to her credit during any point in the conversation. We apologize for the way Mrs. [redacted] interpreted her experience with our company, although our representative did everything she could to find an arrangement that would fit her financial situation and company parameters. Per the request from Mrs. [redacted] the payment made on 2/19/2016 has been refunded and can take 3-5 business days to be returned to her account. We understand that the collections process can be emotional experience and arise questions of legitimacy. Although we are not a Revdex.com accredited business, we are a legitimate company and have attached our license in the state of LA where Mrs. [redacted]s resides to substantiate our company’s legitimacy. In addition if Mrs. [redacted] calls the original creditor she will be forwarded back to our company through the chain of title. Mrs. [redacted] can be assured that her account is in a locked status and we will not attempt to contact her again. If and after validating our legitimacy with [redacted] if Mrs. [redacted] wishes to satisfy her obligation she may contact us back to re-stablish the previous arrangement on file. We believe our company has acted in good faith and think our resolution should bring closure to this matter.   If Mrs. [redacted] needs any further assistance she can contact our office and request to speak with a supervisor at ###-###-####.    If the consumer has any further questions or concerns we encourage them to contact our customer complaint service number at ###-###-#### or by email [redacted]. Consumers may also request assistance via web through our “Resolution Center” tab at [redacted] This response contains confidential information such as names, account numbers and creditors contained within [ ], please ensure all the aforementioned data is masked.  Sincerely, Compliance Management Spire Recovery Solutions, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Please close my account and cease all contact to me I need clarification if by closing my account if the threat of garnishing my wages will stop as well.  Your apology is excepted but does not at all make up for the stress and anxiety you have caused me and have put my health at risk because of the high blood pressure related to this stressful situation. Please send me confirmation letter.  And in the future please be a bit compassionate with your clients and really try to work with them instead of pushing them into agreements more forcefully with tactics of garnishing wages!
Regards,
[redacted]

The
business has responded to the complaint however has requested that their
response not be published.

I just want the threats of wage garnishment to stop and then to try and work with me to resolve this matter.  I already repaid my boyfriend the money they took out.  I feel with the previous payment I had made to the original creditor I had taken care of the loan but apparently these loan...

sharks applied majority of the payments to there interest never the the principle balance.  Close my case.

LC (SRS) is in receipt of complaint with an ID of 10676132
as of 6/18/2015 received by email. Spire Recovery Solutions...

appreciates that this matter was brought to our attention and we appreciate the
opportunity to respond and bring closure to this matter.
Spire
Recovery Solutons, LLC is a third party collection agency that collects debt on
past due consumer and commercial accounts nationally for our clients. Our
company strives to provide a very customer friendly experience during the
collections process while maintain full compliance with all state and federal
laws related to debt collections.  The
following steps have been taken following the receipt of this
complaint. 
1.       The complaint
has been reviewed
2.       Collection notes
have been reviewed
3.       Call logs and
recordings have been reviewed
4.       Account
information has been reviewed
5.       A lock has been
placed on the account to Cease & Desist collection efforts
6.       Spire’s employee
has been interviewed
In
addition to the above steps the following response is being submitted to bring
closure to help resolve the complaint that has been lodged for the Revdex.com to
review.  Spire’s collection efforts by
phone started on 6/8/2015 in an attempt to reach Mrs. [redacted] in full
compliance with state and
federal laws. Under FDCPA   15 U.S.C. Section 1692b and 1692c(b)
provides that communications with a person other than the consumer may be
initiated for location information purposes only. At 11:38 AM 6/8/2015 at Mrs.
[redacted]’s phone number was provided by a relative at request without disclosing
any personal information related to the account. At 11:41AM a message was left
directly with Mrs. [redacted] at ###-###-#### to contact us back. Spire Recovery
Solutions was not in contact with Mrs. [redacted] until 4:08PM on 6/15/2015 at the
phone number of ###-###-####. The recording reflects
the following; 00:00.15 into the call our representative identified that she
was speaking directly with [redacted]. At 00:0:30 into the conversation our
representative informed Mrs. [redacted] that all calls are monitored and recorded
and the communication was with a debt collector and any information obtained
will be used for that purpose. From 00:01:33 to 00:16:15 our representative
spent the time explaining to Mrs. [redacted] the account(s) in our office and attempting
to work out amicable arrangements on Mrs. [redacted]’s terms. Mrs. [redacted] agreed
to contact us back when she had her debit card to set up a settlement
arrangement. At 00:16:17 Mrs. [redacted] had mentioned she was receiving calls
from a [redacted] that was an “attorney” that contacted her from a number
that is not affiliated to our company. Our representative informed her to be
weary of the call and it could be the collection attempts from an agency using
illegal tactics to contact her potentially over separate accounts. In addition
our representative informed her that she could even help her with the matter
and have them contact her directly. During the conversation our representative
was very respectful and the demeanor of the conversation was pleasant from both
parties. Our company complied with all of Mrs. [redacted]’s request in the
potential arrangement and removed any phone numbers at her request. Spire
Recovery Solutions, LLC is aware of New York state laws related to Payday loans
which was not violated. Spire would like to offer the following to bring
closure to this matter; in addition to the account being locked, we will not
contact her again in an attempt to collect. If Mrs. [redacted] would like to
contact us in regards to collection attempts from our company she may do so.
Spire Recovery did not at any point violate any state or federal laws and
staunchly deny the allegations set forth. Per the recording we have been lead
to believe she is receiving calls from another company and confusing their collection
attempts with ours. We are willing to submit the recording directly to our WNY
Revdex.com representative to uphold and maintain our company’s image and
integrity. We hope this response can
bring closure to this matter and will continue to work with the WNY Revdex.com and Mrs. [redacted] until this matter is satisfied.
If
the consumer has any further questions or concerns we encourage them to contact
our customer complaint service number at ###-###-#### or by email [redacted]@spirerecoverysolutions.com. Consumers may
also request assistance via web through our “Resolution Center” tab at
www.spirerecoverysolutions.com
Sincerely,Compliance
ManagementSpire
Recovery Solutions, LLC

Spire Recovery Solutions, LLC (SRS) is in receipt of the complaint with an ID of [redacted] as of 5/02/2016 received by email.  We would like to thank you for bringing this matter to our attention and giving us an opportunity to respond. SRS takes all complaints very seriously and have conducted an internal investigation regarding this complaint.  On 4/19/2016 our office contacted [redacted] in regards to a debt placed in our office.  He acknowledged the debt and agreed to set up a payment arrangement.  The payment was secured by a credit card scheduled to be debited on 4/26/2016.  The transaction was declined due to insufficient funds on the card. Mr. [redacted] decided to investigate the debt.  He contacted the wrong original creditor to validate the debt.  He was under the impression that our agency was attempting to collect a debt he did not owe.  Mr. [redacted] contacted our office on 4/26/2016 after we contacted him about the declined payment.  Management explained to him that he had contacted the wrong company and provided the proper account information.  He was satisfied with the information provided and set up another payment arrangement for 4/27/2016.  That payment also declined due to insufficient funds on the card.  Mr. [redacted] contacted the office on 4/29/2016 to set up another payment arrangement for 4/29/2016, that payment was approved. Our policy is to send a Payment Authorization Document to the consumer to be signed and returned prior to sending a Paid-In-Full Document. This was explained each time a payment arrangement was made.  This policy protects the consumer and our agency from unauthorized transaction. The debt has been pain in full.  Receipt of the transaction via a Pain-In-Full Document will be provided when the required authorized payment document is returned to our office.  Any future communication about this debt will not be from our agency.  The Paid-In-Full document will release Mr. [redacted] from accountability for this debt.If Mr. [redacted] has any further questions or concerns we encourage him to contact our customer complaint service number at (844) 332-7052 or by email [email protected]. Consumers may also request assistance via web through our “Resolution Center” tab at [redacted]