Trinity Merchant Group

I am writing to you in regards to the complaint filed to our office under *** *** for Ms*** *** from ***, NYWe attempted to contact Mrs*** in regards to her delinquent *** *** / *** account ending in ***, that was placed in our office for collectionsWe were
requested to contact Mrs*** in an attempt to remedy the specific accountWe also sent a written notification to Mrs*** via mail to her address in ***, NY Furthermore, Mrs***’s account was placed in our office with several different phone numbers listedWe did not have a confirmed phone number for Mrs***We are requested on behalf of our client to make contact with Mrs*** via all the phone numbers provided to us Finally, attached to this response you will find copies of our certificates from the ACA and the DBAWe are and have been certified with these agenciesWe have passed their certification and audit processWe are not providing advertizing on our websiteAlso, we are annual donors to the Leukemia and Lymphoma Society; we can provide documents upon request After receiving the complaint we have ceased any further communication with Mrs***We have closed her account in our officeThere will be NO further attempts to contact Mrs*** from our officePlease let us know if there is anything else we can provideThank you, Atlantic Recovery Solutions, LLC

Our company contacted Ms*** in regards to her delinquent *** *** account that was placed with our office for further servicingWe are a third party agency, and we were hired on behalf of our client to attempt to remedy the accountWe clearly stated that on the callOur client is the
rightful owner of her accountAfter confirming Ms***’s identity by confirming the last four numbers of her social security number, we advised Ms*** the reason for the callWe also gave her the correct outstanding balance as $ Additionally, we also sent a validation letter to Ms***’s address in *** ***, **After doing more research on Ms***’s account, we were able to confirm that this account is indeed listed on Ms***’s credit report as a delinquent accountWhen reviewing the recorded call on the alleged complaint, we were able to determine that our representative did not conduct himself in accordance with our customer service procedureWe do take customer satisfaction very seriously in our officeThat representative has been written up, and placed on final warningAlso, our records indicate that we did speak to Ms*** on the 20th of February as well as on the 24th of FebruaryDuring the contact on the 24th of February, she spoke to a different representativeAfter receiving the complaint, we have ceased any further attempts to contact Ms***The validation letter she requested has been sent to her property in *** ***, **Also, we have closed her account in our office, and have forwarded back to our client for further servicingThere will be no further contact with Ms*** from our company

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
I have retained the services of *** *** LLCto handle this issue further
Regards,
*** ***

I am writing to you in regards to the complaint filed to our officeWe have never contacted anyone at ###-###-####At no point were we made aware that ###-###-#### was not a good number to reach the customer.(We can provide recorded calls upon requested)We would have gladly removed the
number of we were made aware it was an incorrect numberWe have removed ###-###-#### from the account in questionThere will be no more calls to ###-###-#### from our officeThank you, Atlantic Recovery Solutions, LLC

We attempted to contact Ms*** in regards to one of her delinquent account that was placed in our office for collectionsWe were requested to contact Ms*** in an attempt to try to remedy the matterAfter reviewing the calls and notes on the account in question, we were able to
determine that we did not have a confirmed number for Ms***This is why we attempted several additional numbers that were listed on Ms***’s accountAlso, after listening to the recorded calls, we were able to determine that a “credit issue” was never discussedWe can provide a copy of the recordings, per requestAll that our representative stated is that we have an important personal business matter in our officeA validation letter was sent to Ms***’s P.OBox in ***, NYFurthermore, we were also able to determine that Ms***’s phone number was only dialed twice, eight days apartWe do not show consecutive calls on the accountAfter receiving the complaint, we have ceased any further contact with Ms***We have closed the account in our office and we have forwarded it back to our clientThere will be no further attempts to contact Ms*** from our office. Please let me know if there is any additional information that we can provide. Thank you

We are a debt recovery agencyOur company helps consumers resolve their delinquent financial obligations through payment plans or structured settlementsOur clients include financial companies, medical institutions and other credit providers I am writing to you in regards to the above case
for *** ***In regards to the complaint, we have carefully listened to calls made on this accountWe have determined that Ryan was very unprofessional on this callHe has been disciplined in accordance with our Disciplinary SOP We have returned this account to our client and ceased all collections activity from our office We hope this will resolve the matter for Ms***

We attempted to contact Mr*** *** in regards to his delinquent *** *** retail account ending in *** that was placed in our office for collectionsWe were asked to contact Mr*** in an attempt to remedy the specific accountWe are asked to make contact with Mr*** via
any alternative phone numbers provided to us on his accountAfter receiving the complaint and after reviewing the recoded calls, we were unable to confirm that a message with “legal proceedings” was left on any voice mailOur representative stated that we have an important personal business matter that we need to discuss with Mr***, before returning it to our clientSince receiving the complaint, we have ceased any further attempts to contact Mr***We have closed and returned the account to our clientFurthermore, there will be NO more attempts to contact Mr*** via any alternative phone numbers provided on his accountWe apologize for any inconvenience that we have causedPlease let us know if there is anything else that we can provideThank you, Atlantic Recovery Solutions, LLC

At this time we would like to apologize for the inconvenient callsThat is not our intentionWe do take customer service and customer satisfaction very seriously in our officeHowever, at this time we are not able to locate the phone number that is being dialed in errorThe phone number provided
on the complaint and the name (Mr*** ***) is not pulling up anything in our systemWe are not able to locate that information on our endPlease, provide us with additional information, such as an alternative phone number where these calls are being madeAlso, please make sure that its the correct company making those callsUpon receipt, we will assure you that all future calls on the phone number provided will ceasePlease adviseThank you, Atlantic Recovery Solutions, LLC

We attempted to contact Mrs*** ** in regards to her delinquent *** account ending in ***, that was placed in our office for collectionsWe were asked to contact Mrs** in an attempt to remedy the specific accountWe are also asked to contact Mrs** via any alternative phone
numbers provided on her accountWhen we receive the accounts with our office, they come with several different phone numbers already listed on themOur records also indicate that there was a written correspondence sent to Mrs**’s address in ***, **We also show that there was no response from Ms**After receiving the complaint we have ceased any further communication with Mrs**We have deleted all phone numbers associated with Mrs**Also, we have closed her account in our office and have returned it back to our clientThere will be NO further attempts to contact Mrs** or any alternative phone numbers from our officeWe apologize for any inconvenience that this may have causedThank you, Atlantic Recovery Solutions, LLC

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

What this customer is seeing on her credit report is considered a soft inquiryA soft inquiry is an inquiry that occurs when a person or company checks your credit report as a background check, like when you check your credit score or a mortgage lender preapproves you for a loanSoft inquiries can occur without your permission, but do not affect your credit in any way

We are a debt recovery agencyOur company helps consumers resolve their delinquent financial obligations through payment plans or structured settlementsOur clients include financial companies, medical institutions and other credit providersI am writing to you in regards to the above case number
for *** ***, from ***, IL In regards to the
complaint, what we are contacting the customer concerning is validWe can provide her with all necessary documentsCustomers payment was refunded on 03/30/2016. Regarding the customer's credit score, she may be getting her information from a different source than us, due to the fact there are three different reporting bureausOur representatives have been advised to avoid discussing the customer's credit scoreSince receiving the customers' claim, we have closed and returned the account to our client for further reviewWe have ceased all collections activity on the account in our officeI hope this will provide Mr*** with the best possible resolution on this matterPlease let me know if there is any additional information I can provide youThank you, Zachariah ACEO/President

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me Thank you for your help with thisIts greatly appreciated
Regards,
*** ***

I am writing to you in regards to the complaint filed to our office under MsJ*** *** from ***, CAWe contacted Ms*** in regards to her delinquent *** *** account ending in ***, that was placed in our office for collectionsAfter receiving the complaint, and after
reviewing the notes on the account, we were able to determine that the calls made to Ms***’s family were made before we made contact with herWe were requested to contact Ms*** in an attempt to remedy the specific account via any alternative phone number provided to us on her accountAfter contacting Ms***, we deleted all alternative phone numbers on her accountWe did not make an attempt to contact anyone else after speaking with Ms*** directlyFinally, after receiving the complaint we have ceased any further communication with Ms***We have closed her account in our officeThere will be NO further attempts to contact Ms*** from our officePlease let me know if there is anything else we can provideThank you, Atlantic Recovery Solutions, LLC

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

After receiving the account, our representative contacted a Debt Settlement company that is representing Ms*** and handling her delinquent accountsThe Debt Settlement company stated that there can not be a resolution on Ms***'s account until November Our representative then
contacted Ms*** to make her aware that that offer was not acceptableOur client requests that we try to resolve these delinquent accounts in timely fashionAt that point we were not able to come to a resolution with Ms***After reviewing the recorded call, we determined that the representative did not follow our customer service policy. We have since reprimanded our representative and we have put him through a retraining courseOur office takes customer service very seriouslySince receiving the complaint, we have closed Ms***'s account in our officeWe have ceased any further communication with Ms***We have closed the account in question and have returned it back to your clientThere will be no further communication with Ms*** from our office

All calls made on this account have been carefully reviewThe customers allegations are falseAt no point did Thomas state that the customer was being docked with intent to fraudThomas handles this account so he would provide his personal lineThe representatives are required by federal
law to verify the last four of the social to ensure they are speaking to the correct person and not disclosing to a third partyCustomer continued to advise the representative that she was going to set up a payment arrangement but never contacted us back to do so. He did not harass the HR departmentIt is common practice to verify employment. Customer never contacted us back to provide payment informationCustomer is not trying to handle this billThis account has been closed in our office and forwarded back to the client for further review

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
This just proves the point that they lied about sending me a letter twiceI am satisfied that they will not be contacting me further but not with their actions or lack of professionalismThis business needs to be shut down
Regards,
*** ***

I am writing to you in regards to the complaint filed to our office under *** *** from *** ***, VAWe attempted to contact Ms*** in regards to her delinquent *** account ending in ***, that was placed in our office for collectionsWe were requested to contact Ms*** in
an attempt to remedy the specific accountWhen we received the account in our office, on behalf of our client, we were not provided any type of documentation that this account had been satisfiedFurthermore, in order for our office to close the account and report it to our client as paid, we are asked to obtain proof of payment from Ms***We need to show our client documentation that states that the account has been satisfiedAfter receiving the complaint we have ceased any further communication with Ms*** We have closed her account in our officeThere will be NO further attempts to contact Ms*** from our officeWe have returned the account back to our clientPlease let us know if there is anything else we can provideThank you, Atlantic Recovery Solutions, LLC

We contacted Ms*** and Mr*** in regards to a delinquent account of Ms***’s that was placed in our office for collection servicingThe account was placed in our office on behalf of our client, *** *** Management, INC; *** *** *** *** *** ***, *** ***, **
***Telephone Number: ###-###-#### Monday through Friday 9:AM to 4:PMThe account in question is a *** *** Bank *** Platinum Credit CardThe information that we have on file states that the account was opened in March and it was paid on until October That is almost three years of payment historyAfter making contact with Ms*** our representative advised her that we had an “A-“rating with the Revdex.comBy the time that Mr*** and Ms*** check our rating with the Revdex.com, our rating changed to a “B+”Furthermore, a balance due letter was emailed to Ms*** (ATTACHED)In order for our company to obtain original statements and a chain of title on this account, we have to request that information from our clientWe do not have that information available at the time of placementThat request has been submitted to our clientWe will provide that information to Ms*** once it becomes availableAfter reviewing the recorded calls and the documentation on the account, we determined that our representative did not follow our internal policies and procedures in regards of validating the account and the proper procedure of requesting documentation on the accountThe same representative has been reprimanded and he has also been placed into our retraining programHe was suspended for three days without paySince receiving the compliant, we have ceased any further communication with Ms*** and Mr***We have closed the account in question with our office and have returned it with our clientThere will be NO further attempts to contact Ms*** from our office