Debt Recovery Solutions, LLC – CFPB Complaint ID 2608804

Date Received: 2017-08-18T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On or aboutXX/XX/XXXX, Debt Recovery Solutions , LLC. sent me a ” settlement offer ” for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating ” For deposit only : Debt Recovery Solutions , LLC Client Trust Account XXXX XXXX ”.
On or about XX/XX/XXXX, I received another ” settlement offer ” from Debt Recovery Solutions , LLC. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit agencies. XXXX removed the account. XXXX validated the debt. At the end of XXXX, I received a ” verification letter ” regarding my debt due to XXXX validating it. This letter also requested me to ” remit payment immediately ”.
On XX/XX/XXXX, I contacted Debt Recovery Solutions LLC. regarding this and spoke to a XX/XX/XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from Debt Recovery Solutions, which was ” XX/XX/XXXX ”. He said ” well that ‘s the problem, you did n’t pay us so we do n’t have a record of payment, you can either pay us or prove you paid XX/XX/XXXX ” The check that I sent for payment was mailed directly to Debt Recovery Solutions using the address and information that was on the settlement offer. The back of my check is stamped by Debt Recovery Solutions. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XX/XX/XXXX.
The first settlement offer and the second settlement offer equal the total debt due (XX/XX/XXXX+XX/XX/XXXX=XX/XX/XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XX/XX/XXXX as Debt Recovery Solution ‘s client and a full back page of a privacy statement regarding XX/XX/XXXX. The second settlement offer has XX/XX/XXXX listed on the front and refers to the offer as a ” sale ” but offers no information regardingXX/XX/XXXXl.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.

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Company: Debt Recovery Solutions, LLC

State/Zip: IL 611XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2608804

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