Trinity Merchant Group

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me at this time. For clarification, just to make sure we are on the same page, the phone number that leads to my desk phone is ###-###-####. His name is [redacted]. He no longer works here at [redacted]. I trust that there will be no more automated phone calls from their office after this point because I will be saving records and statements. Thank you for your response to this issue. Thank you. 
Regards,
[redacted]

We attempted to contact Ms. [redacted] in regards to her delinquent [redacted] retail account ending in [redacted], that was placed in our office for collections. We were asked to contact Ms. [redacted] in an attempt to remedy the specific account. After reviewing the notes and calls on the account, we...

were unable to confirm that our representative stated that we will be going after restitution. However, we can confirm that we made numerous attempts to contact Ms. [redacted]. Our last attempt to contact Ms. [redacted] was on January 24th 2018. We can also confirm that a dunning / validation letter was sent to Ms. [redacted] address in [redacted], WA. Our company is accredited with the Revdex.com and we have a “B” rating. We are not a “boiler room”. Since receiving the complaint, we have closed her account in our office and have returned it back to our client. There will be NO further attempts to contact Ms. [redacted] or any alternative phone numbers associated with her account from our office. We apologize for any inconvenience that this may have caused. Thank you, Atlantic Recovery Solutions, LLC.

We contacted Mr. [redacted] in regards to his delinquent [redacted] Federal Credit Union / Auto account ending in [redacted], that was placed in our office for collections. We were asked to contact Mr. [redacted] in an attempt to remedy the specific account. We are also asked to contact Mr....

[redacted] via any alternative phone numbers provided on his account. When we receive the accounts with our office, they come with several different phone numbers already listed on them. After the original conversation with Ms. [redacted], Ms. [redacted] was advised that we needed to make a final decision on which way the client needs to pursue the account.
Our complaint resolution manager, Mr. R., spoke to Mr. and Ms. [redacted] on October 31st 2017. He handled the complaint internally. Furthermore, after reviewing the recordings, we were able to determine that our representative did not follow our internal policies as far as customer service. That representative has been suspended without pay, and also he has been mandated to attend our re-training course. Also, that representative has been removed from handling Mr. [redacted]’s account.
An arrangement was secured with our office, and his account is considered as paid and close. We apologize for any inconvenience that this may have caused.

I am writing to you in regards to the above case number for [redacted], from [redacted], **. We have suspended the representative named in the complaint. We do not tolerate any violation of company compliance standards. Since receiving the customers' claim, we have closed and returned the account...

to our client for further review. We have ceased all collections activity on the account in our office. I hope this will provide Mr. [redacted] with the best possible resolution on this matter. Please let me know if there is any additional information I can provide you. Thank you, Zachariah A. CEO/ President Atlantic Recovery Solutions, LLC

We are writing to you in regards to the complaint filed to our office on behalf of Ms. [redacted]. We attempted to contact Ms. [redacted] in regards to her daughter Ms. [redacted]. Ms. [redacted]’s phone number was provided on her account as an alternative number to leave a message for Ms. [redacted]. We...

contacted Ms. [redacted] in regards to her delinquent [redacted] – [redacted] account ending in [redacted], that was placed in our office for collections. We were requested to contact Ms. [redacted] in an attempt to remedy the specific account. Furthermore, we do not show that this account had been resolved several years ago. Also, we do not show that this account had a joint user associated with it. This account has been placed in our office as still delinquent and only under Ms. [redacted] as the obligated party on it. We cannot confirm that this account has been resolved prior. After reviewing the recorded calls on this account, we were able to determine that the woman that Ms. [redacted] was transferred to did not threaten her with a wage garnishment. We simply stated that we need to make a final decision on behalf of our client. After receiving the complaint we have ceased any further communication with Ms. [redacted] and Ms. [redacted]. We have closed her account in our office and have returned it back to our client. There will be NO further attempts to contact Ms. [redacted] or Ms. [redacted] from our office. Please let us know if there is any further questions.  Thank you, Atlantic Recovery Solutions.

Thank you for bringing this misunderstanding to our attention. Your account is scheduled close with no early termination, and corrective measures have been put in place to prevent this type misunderstanding from occurring with future clients.

When we receive these accounts in our office, they come prelisted with phone numbers on them. Ms. [redacted]'s phone number was listed on one of these accounts as an alternative reach number. Once we spoke to Ms. [redacted] and found out that this was a wrong number, we removed it from our system. We...

will not contact Ms. [redacted] ever again. We apologize for the inconvenience. Thank you, Atlantic Recovery Solutions, LLC.

We attempted to contact Mrs. [redacted] in regards to her delinquent [redacted] Financial / [redacted] account ending in [redacted], that was placed in our office for collections. We were asked to contact Mrs. [redacted] in an attempt to remedy the specific account. We are also asked to contact...

Mrs. [redacted] via any alternative phone numbers provided on her account. When we receive the accounts with our office, they come with several different phone numbers already listed on them. After contacting Mrs. [redacted] in July 2017, Mrs. [redacted] acknowledged the alleged account. Furthermore, Mrs. [redacted] agreed on a repayment plan with our office. We were requested to make one final attempt to contact Mrs. [redacted] and to find out the circumstances of her declined payments. After receiving the complaint we have ceased any further communication with Mrs. [redacted]. We have deleted all phone numbers associated with Mrs. [redacted]. Also, we have closed her account in our office and have returned it back to our client. There will be NO further attempts to contact Mrs. [redacted] or any alternative phone numbers from our office. We apologize for any inconvenience that this may have caused. Thank you, Atlantic Recovery Solutions, LLC.

We are a debt recovery agency. Our company helps consumers resolve their delinquent financial obligations through payment plans or structured settlements. Our clients include financial companies, medical institutions and other credit providers. I am writing to you in regards to the above case number...

for [redacted], from [redacted], FL. In regards to the complaint, we have been unable to locate an account for Mr. [redacted] in our office. We searched our system with all of the information that was provided to us via the complaint. However, we were not able to locate Mr. [redacted]'s phone number, name,or address. We have determined that Mr. [redacted] was contacted in error; it was a wrong number. With the phone number provided on the complaint, our company listened to the call placed to Mr. [redacted] and we determined that the representative that spoke with Mr. [redacted] did act unprofessionally. He has since been placed on a final warning for violating Atlantic Recovery Solutions Policies. We officially apologize for any inconvenience that this might have cause Mr. [redacted]. No further calls or attempts will be made to that number. Please let me know if there is any additional information I can provide you. Neno N. COO/V. President Atlantic Recovery Solutions, LLC

We are writing to you in regards to the complaint filed to our office on behalf of Ms. [redacted] from [redacted], **. We attempted to contact Ms. [redacted] in regards to her delinquent [redacted] account that was placed in our office for collections. The account was placed in our office on behalf of...

a third party client that we represent.  We were requested to contact Ms. [redacted] in an attempt to remedy the specific account. We were also asked to contact Ms. [redacted] via any alternative phone numbers provided to us on her account. The phone number that was provided on the complaint was not listed on Ms. [redacted]’s account. We did not have a right contact number for Ms. [redacted] prior to her calling into our office.  The reason that Ms. [redacted] was asked to provide us with the last four numbers of her social security number is that we are mandated to confirm the identity of the consumer we are speaking with, due to identification purposes. We are required by state and federal law to obtain that information before disclosing the nature of the call. Furthermore, we did send the required letter to Ms. [redacted]’s address in [redacted], **.   After receiving the complaint we have ceased any further communication with Ms. [redacted]. We have closed her account in our office and have returned it back to our client. There will be NO further attempts to contact Ms. [redacted] from our office. We do not have access to Ms. [redacted]’s account any longer. Please let us know if there are any more questions. Thank you, Atlantic Recovery Solutions.

A copy of the Validation Letter has been attached on this response. The letter was sent out on 3-2-2017. We feel confidant that Ms. [redacted] will receive the letter by the middle of next week. After further review of the calls, we were able to determine that Ms. [redacted] used profane language with our representative on 2/20/2017. On the phone call on 2/24/2017, our representative, which is a team leader, tried to help Ms. [redacted] and email her a copy of the same validation letter that's attached on this response. Ms. [redacted] continued to dispute the account. At that point the request for the Validation letter was submitted. Also, at that time we closed her account with our office. We have ceased any further activity on her account and we have returned her account to our client. There will be no further attempts to contact Ms. [redacted] from our office. Please let me know if there is anything else we can provide. Thank you.

We attempted to contact Mrs. [redacted] in regards to her delinquent [redacted] retail account ending in [redacted], that was placed in our office for collections. We were asked to contact Mrs. [redacted] in an attempt to remedy the specific account. We are also asked to contact Mrs. [redacted] via any...

alternative phone numbers provided on her account. We do not show any type of documentation that this account was ever included in any identity theft case. We also sent a hard copy dunning letter to Mrs. [redacted] to her address in [redacted], **. After receiving the complaint we have ceased any further communication with Mrs. [redacted]. We have closed her account in our office and have returned it back to our client. There will be NO further attempts to contact Mrs. [redacted] from our office. We apologize for any inconvenience that this may have caused. Please let us know if there is anything else we can provide. Thank you, Atlantic Recovery Solutions, LLC.

We contacted Ms. [redacted] regarding a personal business matter that has been placed in our office for servicing. After speaking with Ms. [redacted], our office was not able to come to a resolution regarding her account. After reviewing the recorded calls, we determined that two of our representatives...

did not follow our policies and procedures. We try to work with our consumers to reach a mutual agreement for resolution. Since discovering these issues, we have reprimanded one of representatives and we have demoted another. Also, we implemented more monitoring and training classes, to make sure that these types of issues do not occur again.

We are writing to you in regards to a complaint filed against our office on behalf of [redacted] from [redacted]. We attempted to contact Ms. [redacted] in regards to her delinquent [redacted] College Account. Her [redacted] College account was placed in our office for collections. The account was...

placed in our office on behalf of a third party client we are contracted by.  We were requested to contact Ms. [redacted] in order to remedy this specific accounts delinquency. After carefully reviewing all calls on the account we have determined that our representative violated Atlantic Recovery Solutions compliance policy and acted in an unprofessional manner. We have taken the appropriate disciplinary action against this representative. After receiving the complaint we have ceased any further communication with Ms. [redacted]. We have closed her account in our office and have returned it back to our client. There will be NO further attempts to contact Ms. [redacted] from our office. We do not have access to Ms. [redacted]'s account any longer. Please let me know if there are any further questions or concerns. Thank you.

We attempted to contact Ms. [redacted] ([redacted]) in regards to her personal business matter that was placed in our office. The matter that was placed in our office is listed under Ms. [redacted]’s maiden name, [redacted]. We were requested to contact Ms. [redacted] and try to remedy the matter. After making a...

couple attempts to contact Ms. [redacted], we had no success. Our company was not able to establish a confirmed phone number for Ms. [redacted]. Per our client, we were requested to attempt to contact Ms. [redacted] via the alternative phone numbers listed on her file. After receiving the complaint, we were able to establish contact with Ms. [redacted]. She contacted our office. At that time all the necessary information pertaining to her file was sent to Ms. [redacted]’s physical address. We also removed all alternative phone numbers on her file. There will not be further attempts to call Ms. [redacted] from our office until we receive a response from herself. We are currently awaiting a response from her.

We are a debt recovery agency. Our company helps consumers resolve their delinquent financial obligations through payment plans or structured settlements. Our clients include financial companies, medical institutions and other credit providers. I am writing to you in regards to the above case number...

for [redacted], from [redacted], CT. In regards to the complaint, we have carefully listened to calls made on this account. We apologize that Ms. [redacted] feels as if she is being harassed. We are only trying to get a hold of her concerning a personal business matter. At no point did our
representative threaten to garnish her wages. This personal business matter is not concerning a pay day loan. Since receiving the customers' claim, we have closed and returned the account to our client for further review. We have ceased all collections activity on the account in our office. I hope this will provide Ms. [redacted] with the best possible resolution on this matter. Please let me know if there is any additional information I can provide you. Thank you. Zachariah A. CEO/ President Atlantic Recovery Solutions, LLC

We area debt recovery agency. Our company helps consumers resolve their delinquent financial obligations through payment plans or structured settlements. Our clients include financial companies, medical institutions and other credit providers. I am writing to you in regards to the case for [redacted]...

[redacted] from [redacted] , FL. In regards to the complaint, we have carefully listened to calls made on this account. We had determined that Mr. B. did act unprofessionally. He has since been placed on a final warning for violating Atlantic Recovery Solutions Compliance Policy. We have requested all validating documents from our client and will have them provide them as soon as possible. Since receiving the customers' claim, we have closed and returned the account to our client for further review. We have ceased all collections activity on the account in our office. I hope this will provide Ms. [redacted] with the best possible resolution on this matter. Please let me know if there is any additional information I can provide you. Thank you, Zachariah A. CEO/ President Atlantic Recovery Solutions, LLC

We are a debt recovery agency. Our company helps consumers resolve their delinquentfinancial obligations through payment plans or structured settlements. Our clients includefinancial companies, medical institutions and other credit providers.I am writing to you in regards to the above case number...

for [redacted], from Columbus, OH.We have issued a disciplinary corrective action report to Ms. Jordan concerning thecommunication with this customer. As soon as our Chief Compliance Officer was made aware ofthe situation she had forwarded the full documentation to the customer. This information wasprovided to the customer via email, per customers' request, on 06/11/2015.Since receiving the customers' claim of fraud, we have closed and returned the account to ourclient for further review. We have ceased all collections activity on the account in our office. Ihope this will provide Mr. [redacted] with the best possible resolution on this matter.Please let me know if there is any additional information I can provide you.Thank you,[redacted] - CEO/ PresidentAtlantic Recovery Solutions, LLC

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]