States Recovery Systems, Inc.

I have mail this form to the collections companyBut I received a phone call it needs to go to Revdex.com as wellHere is a copy of the form for Revdex.com

I was advised to email our response to the above mentioned complaint. States Recovery Systems, Inc has investigated the consumer’s complaint and in response to the consumers claim that we are charging interest is inaccurateStates Recovery Systems, Inc has not charged interest on the mentioned account. It does appear that the original creditor and/or the forwarding agency have assessed interest in the amount of $based on the State StatuteHowever they are willing to waive the interest charged to get the remaining balance resolved in a timely manner

This is in response to your letter of May 19, 2015 relating to a complaint filed with the Revdex.com of Northeast California by the above referenced consumer for which you contacted this office. Unfortunately we cannot discuss any matters concerning any consumer with a third party...

unless we have received the written authorization from the consumer to do so. Both federal and state law mandates this limitation on us. though you may feel that such authorization is implied by the filing of the complaint, it is necessary for us to obtain an express authorization.Enclosed please find a written disclosure authorization form that we use for this purpose. Upon receipt of this fully executed form I will be able to discuss the specified matters relating to the consumer. Of course, the consumer may contact me directly concerning any complaints as well.Very truly yours,

Revdex.com and [redacted],Consumer claims of not oweing the balance has been investigated extensively with the service provider [redacted] and it has been determined on several occasions that the balance does remain outstanding and continues to be owed by the consumer. Attached is the summary statement reflecting the balance owed. States Recovery Systems and [redacted] considers this investigation closed and will honor the consumers request as we had previously done for no further communication other than to provide the validation as requested.Thank you,States Recovery Systems, Inc.

States Recovery Systems, Inc. has investigated the matter as outlined by the consumer and we are working directly with Mr. [redacted] regarding his concerns.  Unfortunately SRS cannot discuss any matters concerning any consumer with a third party unless we have received the written...

authorization from the consumer to do so. Both federal and state law mandates this limitation on us. Though you may feel that such authorization is implied by the filing of the complaint, it is necessary for us to obtain an express authorization. Attached please find a written disclosure authorization form that is used for this purpose. Upon receipt of this fully executed form we will be able to discuss the specified matters relating to the consumer with your department, however, we encourage the consumer to contact our office direct concerning this matter.

[redacted],States Recovery Systems, Inc. has received the referenced Revdex.com complaint and investigated the consumer's claim. States Recovery Systems, Inc. requires the attached Authorization form to be completed and signed by the consumer prior to releasing our findings to the Revdex.com.Upon receipt of...

the signed Authorization we can provide the Revdex.com with a full response addressing the consumers concerns.Sincerely,[redacted]Sr. Vice PresidentStates Recovery Systems, Inc.

States Recovery Systems, Inc. has conducted an internal investigation regarding the complaint by Ms. [redacted].  Our records, however, do not indicate that a call was placed by our office to either of the phone numbers provided by the consumer.  We have no record of a [redacted] in...

our system, nor the phone numbers provided, therefore we can only ascertain that if a call was received, it was placed in error or we were attempting to dial a different phone number and that line was forwarded to Ms. [redacted] in error.  We apologize for any inconvenience this may have created, and do not anticipate there will be any contact to the phone numbers provided by the consumer.  Our office considers this issue closed unless the consumer has additional questions regarding this matter, in which case she may contact us direct at [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

To whom this may concern, Prior to disclosing specifics regarding the consumer dispute filed with Revdex.com of Northest California States Recovery Systems, Inc. requires that we have proper authorization on file to disclose personal information to a third party, in this case Revdex.com. Attached you...

will find an authorization that needs to be signed and returned. Should you desire we may be contacted directly at [redacted] and we may be able to explain the situation to your satisfaction by phone.  Thank you,States Recovery Systems, Inc.

I am rejecting this response because:[redacted] contacted me on Thursday December 1st at 9:08:31 AM stating I do not owe! I provided proof of this communication. System Recovery keeps saying they have found numerous times that I owe. They actually removed the bill for one account that they put on my credit 7 times and quit contacting  me for months and now are bringing up a bill that [redacted] had said they were ceasing any collections actions with the account.They determined I owed after saying they called to go over the "evidence" and I did not answer. I had all the documents ready and was waiting for the call. I have provided my detailed cell phone bill showing they did not call me on 2/23/17 at 12:14 pm as they have stated and decided they were going to still"harass me"(their words not mine). So their finding me owing multiple times is invalid. This entire situation is affecting my job and buying a house and causing extreme stress.

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
However, I have made contact with [redacted] on several occasions regarding this "debt" and I have yet to be responded to.

Review: Around May of 2009 I closed my accounts with Bank of the West. They were to send me a bank draft for my final balance. After closing, they continued to process checks as unpaid items in May and June of 2009, totaling around 396 dollars in overdraft fees. I spoke to the bank manager about this and we agreed there was a positive balance on the date I closed the account, however, I admit there were some drafts that I had forgotten about. We agreed to zero out my account. I would not dispute the credit I had in my account on May 1, and he would resolve the overdraft fees. This never happened. In August of 2009 Bank of the West "charged off" my account. This resulted in a negative report on my credit rating.States Recovery Systems contacted me in October of 2014 stating that Bank of the West was their client. They were attempting to collect on the matter described in the above paragraph. They said if I didn't pay, States Recovery Systems would file a negative report on my credit rating.[redacted], at States Recovery Systems, asked me to pay an amount due of around $340.00 in order to avoid a negative report on my credit rating. I am willing to pay in order to resolve this issue, even though Bank of the West failed to follow through in the very beginning. I told [redacted] that if Bank of the West agreed to remove the "charge off" they filed on my report in 2009, I would pay the charge of $339.25, which was the amount due stated to me in correspondence dated 11/28/2014. [redacted] spoke to his superior while I was on hold. [redacted] returned to the phone and told me that they would provide no guarantee of my request. He told me I needed to take that up with Bank of the West. I contend that Bank of the West is a client of States Recovery Systems, they should be willing to ask their client if that is agreeable. [redacted] would not agree to at least make the request of their client.If I pay the amount due to SRS, there is no guarantee that Bank of the West will remove the "charge off".Desired Settlement: Just to resolve the matter, if SRS client, Bank of the West, commits to remove the "charge off" from my credit report, and if SRS commits they will not file a negative report, I WILL pay the stated charge of $339.25 in correspondence dated 11/28/2014.Considering the original circumstances of the matter, and Bank of the West's failure to follow through, I believe I am being more than willing to just dissolve the matter.They can refer to the May & June 2009 statements they provided me.

Business

Response:

States Recovery Systems, Inc. has investigated the matter as outlined by the consumer and we are working directly with Mr. [redacted] regarding his concerns. Unfortunately SRS cannot discuss any matters concerning any consumer with a third party unless we have received the written authorization from the consumer to do so. Both federal and state law mandates this limitation on us. Though you may feel that such authorization is implied by the filing of the complaint, it is necessary for us to obtain an express authorization. Attached please find a written disclosure authorization form that is used for this purpose. Upon receipt of this fully executed form we will be able to discuss the specified matters relating to the consumer with your department, however, we encourage the consumer to contact our office direct concerning this matter.

For a year I have been making regular payments to this company. I know that I owe the debt and I am willing to make payments. I am upset with this company, I have faithfully paid 50$ per month. on 2-13-2014 this company (John) called me. I was expecting to set up my next three months of payments. Unfortunately this did not happen. I was told they would not set up a payment plan for a larger amount. I explained that I could not pay any additional amount. That is when John told me that I had income taxes coming back and I could pay with this. This company has the worse customer service ever. The agent demanded that I use my income tax to pay for this. He then told me that he refused to accept a payment plan for $50 per month. I got angry with the agent and swore. I apologized for swearing. then he hung up. I called the company back and was told that they refuse to do bussiness with me.

Review: On August 13, 2012, [redacted] was hit by a car while riding his motorcycle. The car ran a stop sign and was deemed the fault of the car's driver. Allstate paid for all damages and was sent the bill for the EMT service that responded from Sacramento Metropolitan Fire District. A check was issued but was not cashed. It was sent to collections, State Recovery Systems located at 2951 Sunrise Blvd and the billing address is P.O.Box 2860, Rancho Cordova, CA 95741. They contacted me, [redacted], his mother as he is currently in the Army in Fairbanks AK. Another check was issued and sent to their address on Dec. 27, 2013. That check too has gone missing and has not been cashed. The agency has reported this to the 3 credit bureaus and now [redacted] is unable to obtain his Top Secret clearance required for his position in intelligence. He is currently in the field and I am working on this in his behalf. The have consistently not done their job and have the check number, claim number and contacts at Allstate but have not given me any satisfactory conduct on resolving this matter quickly and rectifying this damaging turn of events.Desired Settlement: I would like for this to be resolved in a very timely manner and his credit score corrected as soon as possible so he can reapply for his top secret clearance.

Business

Response:

Unfortunately we cannot discuss any matters concerning any consumer with a third party unless we have received the written authorization from the consumer to do so. Both federal and state law mandates this limitation on us. Though you may feel that such authorization is implied by the filing of the complaint, it is necessary for us to obtain an express authorization.

Enclosed please find a written disclosure authorization form that we use for this purpose. Upon receipt of this fully executed form I will be able to discuss the specified matters relating to the consumer. Of course, the consumer may contact me directly concerning any complaints as well.

Very truly yours,

President States

Recovery Systems, Inc.

Review: My experience with states recovery systems has been horrible to say the least. The first experience I had was not receiving any notification of an attempt to collect through the mail. The business said that they sent me 5 letters which I never received, even though I had a forwarding service on my mail to my new address. They did send one to my new address after notification of my change in address but since their mail looks like junk mail and has no identification on it, it was thrown out. I finally checked my credit report and to my surprise there was a debt collection on my account. I immediately called states recovery systems to resolve the debt. I made the payment in full at what I thought was $296 but I received a phone call today that they got the number messed up and charged me $269. I would have been nice but the man on the phone [redacted] was completely rude to me. His attitude and the continued lies I discovered set me off. I was originally told that my credit would be run on the 20th of June and that my debt would disappear off my credit report but this was not the case. [redacted] decided to tell me that my credit would not be ran again for 60 days, at this time I flipped out because I am trying to refinance my car and buy a home in the next 6 months. I told him I wanted to pay the remaining $27 of my debt but that I was very disappointed in their business practices. [redacted] was not empathetic or apologetic he was a completely rude and condescending person who should be fired. People who have debt are just looking for someone to be understanding and nice when paying debt off. I don't feel good about doing business with states recovery and truly believe they need a new outlook on life. Maybe get a facelift by firing rude employees like [redacted]. Hope this company gets reprimanded for their horrible business practices.Desired Settlement: I believe that states recovery system should pay me the remaining $27 dollars back for this being their mistake. They should be paying my $27 dollar debt for lying and causing unwarranted stress in my life. Also [redacted] should have consequences for the way that he talks to customers. Interrupting and being rude should not be acceptable.

Business

Response:

States Recovery Systems, Inc. has investigated the complaint from the consumer and offers the following in response.Ms. [redacted] was mailed a collection notice regarding her assigned account on April 27, 2016 to the address listed in this complaint. Our office would be more than happy to provide a copy of this correspondence if requested and authorization to disclose is provided by the consumer. Ms. [redacted] did make arrangements to resolve and pay her account in full on 6/15/16, however, due to a clerical error, the amount of the payment was short by $27.00. Our office contacted Ms. [redacted] to advise of the error and obtain authorization to process the unpaid portion, which she agreed to do. The account in question is now paid in full. If Ms. [redacted] has discovered an inaccuracy with her credit report she may contact our office to discuss or complete a consumer dispute directly with the credit reporting agencies.

While trying to settle this debt with this company for the past 3 days I give up. I can't even get a letter of the settlement amount because they will not provide it for me. I was being told off and yelled at by a guy named [redacted] for 8 minutes. Very rude guy if he calls u just ask for someone else immediatly. The entire time while the call was being recorded I'm telling him I'm being nice to you why are you sceaming at me. I'm very proud of myself for keeping my cool because that is normally not me.(at the end I finally lost my cool and he immediatly hung up on me) I called the bank that they are working for and got absolutely no help either. So now I guess I'm supposed to send them over 6k in the blind and just assume it's not a scam and hope my debt will be taken care of.

Review: On 9/29/15, I received an invoice in the mail from States Recovery Systems, Inc. stating that I owe a balance of $1,537.73 from [redacted] has never contacted me regarding any balances owed. I have never received a telephone call nor a bill. Upon receipt of the letter, I contacted States Recovery Systems, Inc. and informed them that I did not owe the bill and had never been contacted in any way, shape or form by [redacted]. The person that I spoke with at States Recovery Systems refused to provide her name and easily became argumentative when I requested validation of the debt. She stated, "you just owe the debt." I do not believe that I owe this amount. I withdrew from my coursework in accordance with the university's policy and have never been made aware that there is a debt owed. I currently have my student loan payments electronically deducted from my bank account each month and I am in good standing. I am suspicious that this is a scam. I am also, requesting verification of the debt. In the event that States Recovery Systems can not or will not verify the debt, I expect them to cease contact with me and to not erroneously report to the credit bureaus.Desired Settlement: I feel that this company should not have my account as I previously stated, The [redacted] has yet to date, never made me aware that there was a balance. I expect States Recovery System, Inc. to clarify this matter with the [redacted] as is required by the Fair Debt Collection Act and Fair Billing Practices Act. I also expect that States Recovery Systems, Inc. respond to me in professional manner.

Business

Response:

The referenced matter in this complaint was placed to States Recovery Systems, Inc. on September 17, 2015. We sent the letter referenced in this complaint on September 22, 2015. The written complaint received from Revdex.com was the first contact that was made on this matter, then a subsequent CFPB complaint received on October 1, 2015 have been the only communication from the consumer and upon providing the details of the complaint to the original creditor they have decided to recall the matter and respond directly to the consumer. After reviewing the consumers "Desired Settlement" we agree to cease & desist as well as validation of the matter will be provided. Furthermore to address the consumers concerns we are NOT a credit reporting agency for this client.Should the consumer have additional questions pertaining to this matter we recommend that he/she contact the original creditor directly of which he/she mentions in the original complaint.?

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

However, I have made contact with [redacted] on several occasions regarding this "debt" and I have yet to be responded to.

Review: Received a phone call from ###-###-####, on my personal cell phone number ###-###-####. I was asked if the person could speak to "Bob." I first asked who was calling and was told "[redacted]." When I asked from where, I was told "Sacramento." Again she stated "[redacted], from Sacramento." I asked what business she was calling from and was told "Sacramento Recovery."I explained to [redacted] that this was my personal cell phone, and she was not to call it again. [redacted] started pounding me with questions - did I know who Bob was, did I have a contact number for him, over and over again. I again told her not to contact my number again, and she again asked me the above questions.I had to disconnect the phone call, stating again not to use this number, and NEVER did "[redacted]" acknowledge that the number would be removed.Desired Settlement: After researching the phone number on the internet I learned this was a company called "States Recovery Systems, Inc." (NOT Sacramento Recovery). 1. Remove my cell phone number, and any other numbers you may have that are connected to my name, from your calling list.2. All reps of the company are required to identify the company when asked. 3. When requested to NOT used a person's number, acknowledge that the number will be removed from the list.

Business

Response:

States Recovery Systems, Inc. has conducted an internal investigation regarding the complaint by Ms. [redacted]. Our records, however, do not indicate that a call was placed by our office to either of the phone numbers provided by the consumer. We have no record of a [redacted] in our system, nor the phone numbers provided, therefore we can only ascertain that if a call was received, it was placed in error or we were attempting to dial a different phone number and that line was forwarded to Ms. [redacted] in error. We apologize for any inconvenience this may have created, and do not anticipate there will be any contact to the phone numbers provided by the consumer. Our office considers this issue closed unless the consumer has additional questions regarding this matter, in which case she may contact us direct at [redacted].

Review: A rep from there office called me at 11:45am 02/19/14 at my number [redacted]. I did not have time to talk per I am at work. I hung up. They then called my daughter at [redacted] and started harressing her and telling her my information, and that they will just do what they have to do and that she sounded like the person that hung up. She told them she was not me and they should not be talking with her about her moms information. They got rude with her and then hung up on her. I called them back and spoke to a William and explained to him I am at work and that they are not to be talking with anyone but me and that they need to delete my daughters information, he said he would note the account I explained to him he needs to remove the number several times and he just kept saying he will make a note, not remove. He got nasty with me and hung up on me. Before he hung up I told him that if they continued to harrasse my daughter and did not remove my daughters number I would go after them for harrassement.Desired Settlement: Seize and desist all contact on any account they have with me. I have never even received anything from them in the mail so I do not even know what there trying to collect on.

Business

Response:

States Recovery Systems, Inc. has conducted an investigation of the consumer's complaint. This investigation included a review of each attempt that was made to the phone numbers indicated and the call recordings were evaluated by our management team. In both instances, the parties contacted were the ones who terminated the calls and at no time was personal information discussed with any third party. Both phone numbers indicated in this complaint have been removed on 2/26/14 as requested by the consumer and no further attempts to contact her will be made regarding this account. The mailing address provided in this complaint correctly matches the information on file with our office and a letter was mailed to the consumer on 2/18/14 which clearly outlines the nature of our involvement. Although no attempts to reach the consumer will be made by our office, the account is not in dispute and will remain outstanding and due. if the consumer wishes to resolve this matter voluntarily, she may contact our office by phone at (800) 211-1435 or in writing at P.O. Box 2860, Rancho Cordova, CA 95741.

Review: We keep receiving pre recorded phone messages for a [redacted] , who we do not know, from this company . They will not stop calling us.

We keep receiving pre recorded phone messages for a [redacted], who we do not know, form 800-211-1435. The phone message asks states it is a collection issue, and to hang up if you are not [redacted] We do hang up, and the calls still keep coming. Get these people to leave us alone. We do not know who they are looking for. This is harrassment!!!!!!

The call does not identify the company. We looked the number up online. There are many complaints of all sorts. Several were the same as ours where they were calling the wrong number. These people called the number back, and asked to be removed from their list as it was a a wrong number, yet they still kept calling. The last call was tonight at 7:36 PM.

Often we are not home and they leave a pre recorded message, which asks yo to hang up if yo are not [redacted] Well if you are not home you cannot hang up. I believe they are using this as a tool to continue to call people. Again we have hung up at the appropriate point in their message, yet they continue to call.Desired Settlement: If after you contact them, if they continue to harrass us, looking for a person we do not know, we will want to sue them for harrassment.

We are retired and cannot run to the phone every time it rings for a call that isn't even for for us. We have also reported them to the DNC list, as we are on that list.

Business

Response:

Initial Business Response

The [redacted]'s phone number has been removed from our database.