Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, viewed your message in response to our complaint. We r aware that vision solar has gone bankrupt. With limited space to explain in one email I gave the information from where began. Yes, our first claim was with the company itself, But Ive read a settlement in court has been reached so I’m reaching out to the Attorney General’s office as there is an area where you can file complaint..I’m doubtful though.. Currently the struggle is with Sim associates they hold the debt for $55k. will attach the previous email with the information about this file to save wording. This company has been an ethical and rude. Since Oct2024 once we were aware of the lien and have been working to resolve it My lawyer has emailed them the documentations from the original contract with the solar company stating that the lien from the panels would carry on with the new owners if the house was sold, they agree that they will honor those terms but then keep stating that they want 55k the full amount and needs to be resolved before the house can be sold. So as we stand today, hopefully by the end of this week, I will resubmit an offer to Simm associates. I’m having estimates done on the roof even though it’s (new)so I have a price point to negotiate with. I’m hoping. But in the meantime, we can’t sell the house. The panels are insufficient I have called solar companies to ask what gets done with panels from another company. They said I’d have to pay on my own expense to have them removed and they don’t service other peoples panels so we have a house with panels that are only producing 30% in the SUMMER MONTHS because of vision, solar neglect with no one to service them, an unsellable house at the moment, A new roof and a collection company that wants the full amount from my fathers estate…how is this ethical? My father was sold snake oil, they took advantage of an elderly man. How can we handle Simm associates? Paying the full amount is wrong, (we will pay for a roof) help! Please

  

  Business Response

  Date: 02/27/2025

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  Erika *********’s complaint states she is having issues with a solar company called Vision Solar that has gone bankrupt. Ms. ********* would like to settle the debt and not pay the full amount so the house can be sold.
  We apologize but we can’t find any account with her name or phone number that was provided in this complaint in our system. We ask Ms. ********* to please provide more information, such as the name on the account, so we could better assist her with this complaint.
  Should she have any questions she may contact ***** ********** **  ************************** ** **** ** *************** ********* *****  
  Thank you.
  
  

  Customer Answer

  Date: 03/05/2025

  Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. hello again, The response from Sims associates claims they have nothing underneath my name, yes that would be correct because it’s not under my name. It’s under my deceased father ******* * ******** ,of whom which I am his executor of his estate. This was mentioned in the attachments with both of my previous correspondence with the BBB, I also have given you the address of the property.  Is this areal person reading these or is it just an AI? I tried contacting the phone number in the previous email for the Sims associates. His name is ***** C..something but the extension 2031 is not in their system and it only puts me to a vmail which after leaving messages with have not had any response.. there needs to be a resolution here we’re just going around in circles.  Thank you  Regards, Complaint ID: 22951461    

  

  Business Response

  Date: 03/21/2025

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  We have received multiple complaints in regards to Ms. *********’s deceased father’s account received in our office on September 24, 2024. The account was placed for collections with SIMM Associates by the debt owner Cross River Bank/Green Aurora Trust totaling a balance of $55,351.79.
  We have had many conversations with Ms. ********* who is handling the final affairs of her father’s estate. Throughout these conversations Ms. ********* has suggested the new buyers of the home assume the loan, she has asked for the panels to be removed and taken away and has offered $5,000 to settle the account. The original contract was also provided upon her request. Our agents have shown empathy for the situation but SIMM Associates does not have the authority to accept any of her requests. Also, there is a UCC filing on the solar panels which means there is a lien placed on them by the owner of the debt. The estate is legally responsible for the balance.
  Ms. *********’s complaint seems more directed towards Vison Solar who installed the panels on her father’s home than SIMM Associates collection practices. She must contact the debt owner directly with any questions or concerns as the account has been closed in our office due to this complaint.
  Should she have any questions she may contact ***** ********** **  ************************** ** **** ** *************** ********* *****  
  Thank you.
  

• Initial Complaint

  Date:01/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The date of the transaction is December 30th, 2024 of $50.00 to Simms Associates just to start a payment plan so I can receive my portable oxygen tank for my doctors appointment. They were to provide me a receipt that says the transaction number and the amount paid with the remaining amount due of $30.39 on January 30th, 2025 in he email on file. December 31st, 2024, I called again to let them know that I have not received the reference transaction number in the email. I explained multiple times concerning the conversations I had with Ocean Health account and there is a hold in which it withheld me to receive a portal oxygen tank for outdoors purposes such as doctors appointment. I only have a concentrate electric oxygen tank for indoor use. I already use the portable tank for doctor appointment. I have a larger tank for emergency only and was told not to use it. I used the lager tank anyways because I needed to go and run errands with my daughter to take care of my medicine at the pharmacy and pick up mail from the post office. I tried not to use so much oxygen but I could not help rising up the pressure because my oxygen level were getting too low and I would not have enough oxygen left over after going to the post office. Anyhow, I have a couple of hours left on the large tank but I need back up immediately. There are two separate invoices lingering. One from Simms Associates and Ocean Health. All invoices has different reference numbers that is connected with the total amount owed. An old bill from ocean health back invoices given to Simms Associates and New invoices from ocean health previous. I explained the reason to why payment were not made previously. Back payment to an old bills that states that an oxygen machine unit was in use and it was not. The Pulmonary doctor called community surgical multiple times back in April of 2024 about the oxygen tank can be picked up but no reply or response from Community surgical. I will attach evidence. I need oxygen.

  

  Business Response

  Date: 01/16/2025

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  ****** ******** had four past due invoices owed to Ocean Home Health assigned to SIMM Associates for collections on November 8, 2024:
  Invoice one- $32.59 owed for services rendered on July 29, 2024 with a service description of “A7031 3 month supply; A7038 3 month supply; AMARA VIEW FFM MEDIUM COMP W HEADGEAR; HEADGEAR FOR USE”
  Invoice two- $6.65 owed for services rendered on August 29, 2024 with a service description of “A7031 3 month supply; A7038 3 month supply”
  Invoice three- $20.80 owed for services rendered on August 18, 2024 with a service description of “E1390 Oxygen Concentrator; K0738 Homefill Unit”
  Invoice four- $20.80 owed for services rendered on July 18, 2024 with a service description of “E1390 Oxygen Concentrator; K0738 Homefill Unit”
  Our records show that invoices two, three and four have been paid in full and a payment of $30.84, dated January 30, 2025 is scheduled for invoice one to pay this balance in full.
  Ms. ********’s complaint seems to be directed to the availability of equipment provided by Ocean Home Health and not the collection efforts of SIMM Associates. Based on our findings, we would encourage Ms. ******** to follow back up with the service provider.
  
  Should she have any questions she may contact *** ******** **  *********************** ** **** ** *************** ********* ***** 
  Thank you.
  
  

• Initial Complaint

  Date:11/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Was emailed about a relative of mine owing the debt collector and in the email was told the amount and how to pay it off. The relative never gave them my email or went to the business.

  

  Business Response

  Date: 12/03/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  Cameron ****** states in his complaint that he received an email from SIMM Associates regarding a past due invoice from Cornerstone Medical Services for **** ******. Mr. ****** further states in his complaint that the email communication was intended for a relative and that he has no obligation owed to Cornerstone Medical Services.
  Our records show that our communications were sent to ********************. We have removed Mr. ******’s email from the files that SIMM Associates is servicing and he will receive no further communications regarding this matter from SIMM Associates.
  Should he have any questions he may contact Jim Longshaw at  *********************** ** **** ** *************** ********* *****  
  Thank you.
  

• Initial Complaint

  Date:11/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an email from SIMM Associates regarding a debt collection attempt with a provider name of Royal Homestar LLC. I have never transacted with this company. At first I assumed this was a scam but decided to investigate further. When I tried to access the SIMM account number it wanted to verify me with 2 phone number options that are not mine. I called their 855 number on 11/18/24 and spoke with a representative. He wanted my personal information however I was very hesitant to give it since I have no bills and don’t recognize this vendor. He said he would provide me my PO Box number and i could just verify the city and state. I told him I don’t have a PO Box so he just said ok thank you and hung up on me. I have no idea if this was resolved or if it’s something I need to investigate further. I would like this collections attempt closed from under my name unless they can confirm it is indeed me. My credit reports show no outstanding collections.

  

  Business Response

  Date: 11/25/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  ******* ******’s past due invoice in the amount of $67.95 was assigned to SIMM Associates for collections on October 28, 2024 by Royal HomeStar LLC. Based on the information provided by the service provider at the time of the assignment, the patients name provided by Royal HomeStar LLC is ***** **** and the date of service was June 13, 2024. ******* ****** is listed as the responsible party and the amount owed is the residual amount after billing Wellpoint Chip Star Medical- TX.
  Ms. ****** states in her complaint that she has never conducted business with this service provider and attempts to get additional information from representatives of SIMM Associates have not been successful. Since Ms. ******’s complaint is more closely related to the validity of this debt and not the collection practices of SIMM Associates, we would encourage Ms. ****** to contact Royal HomeStar LLC directly for additional assistance.
  Due to this complaint, we have closed her account within our office and forwarded it back to our client. Ms. ****** will receive no more communications from SIMM Associates. Should she have any questions she may contact *** ******** at  *********************** ** **** ** *************** ********* *****  
  Thank you.
  
  

• Initial Complaint

  Date:11/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  SIMM associates debt collector contacted me on 10/23/24 and stated they were trying to collect on a bill that was not paid to Zoll Laboratories. They were trying to get me to pay over the phone. I refused to do so and ended up having to provide proof that the bill had been paid. When I was able to get in touch with Zoll Laboratories they stated they had received the payment back in May and never sent my bill to debt collections. This I found out today 11/11/24.

  

  Business Response

  Date: 11/20/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  ******** ********’s past due invoice in the amount of $338.63 was assigned to SIMM Associates for collections on October 21, 2024 by ZOLL Laboratory Services, LLC. Based on the information provided at the time of assignment, the amount owed is associated with a date of service of January 21, 2023.
  Ms. ******** states in her complaint that upon being contacted by a representative of SIMM Associates, she was asked to make payment over the phone, which she refused to do. Ms. ******** further states that she contacted ZOLL Laboratory Services, LLC directly and they informed her that payment for the amount owed was made back in May 2024 and they never sent the bill to debt collections.
  SIMM Associates has not received confirmation back from ZOLL Laboratory Services, LLC that payment has been made nor has SIMM Associates been notified that the invoice should be closed out to stop collection efforts.
  Since Ms. ********’s concerns are more directly related to the debt collection assignment of ZOLL Laboratory Services, LLC, we would encourage her to contact them directly for additional assistance.
  Due to this complaint, we have closed her account within our office and forwarded it back to our client. Ms. ******** will receive no more communications from SIMM Associates. Should she have any questions she may contact *** ******** ** *********************** ** **** ** *************** extension *****  
  Thank you.

• Initial Complaint

  Date:10/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an email from this company however they misrepresented themselves. They changed the name of the company to appear that it came from a different company. I probably got calls and texts from spoofed numbers which were probably them. I want to be removed from their list and not be contacted from them ever again.

  

  Business Response

  Date: 11/07/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  ****** *****’s complaint states he received an email from our company where we misrepresented ourselves. He also claims he probably got calls and texts from spoofed numbers as well. He would like no further contact.
  We contacted Mr. ***** in regards to a delinquent medical bill with our client Summit Health Management LLC on behalf of NJ Urology. The dates of service were May 14, 2024 and June 4, 2024 and the provider was John Sanzone. The balance at the time of placement on October 29th was $493.19.
  If Mr. ***** has any further concerns or inquires in regards to these delinquent balances he must contact Summit Health Management LLC directly.
  Due to this complaint, we have closed his account within our office and forwarded it back to our client. Mr. ***** will receive no more communications from SIMM Associates. Should he have any questions he may contact **** *********** **  ************************ ** **** ** *************** ********* ***** 
  Thank you.
  
  

• Initial Complaint

  Date:08/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 12, I received a phone call from a woman asking for NPPI in regards to a "personal business matter". She did not disclose what company she was with, or what company she was calling on behalf of. I asked 2 or 3 times what company she was calling from, and was advised that it was "financial services", and only received the name Simm Associates after asking numerous times. I advised I have no accounts with them, and asked who she was calling on behalf of when she stated they were collecting for another company and she would not disclose who they were collecting on behalf of; when I advised I had received no communication that I had an account with them and was not going to provide NPPI for verification, I was told "I have it all right here" and was advised she already has my date of birth and social security number. The woman I spoke with was rude and hostile towards me about my unwillingness to provide my NPPI, given the lack of transparency regarding who they were or why they were calling. Given my accounts are only just now moving into 90 days past due and have been in contact with all of my creditors about my temporary unemployment, I requested that they send me something in writing confirming who they were collecting on behalf of before asking me for NPPI. I am requesting that this business turn the account back over to my creditor for collection, and will be contacting the CFPB to file a formal complaint if contact continues without providing written verification via mail confirming who they are collecting on behalf of as this is in violation of the FDCPA. I will also be looking into the handling of the initial call, as I believe the failure to disclose the company, even when asked, and overall lack of transparency may also constitute a violation of the FDCPA.

  

  Business Response

  Date: 08/23/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  Lauren ****’s past due Ascent Bootcamp Loan, serviced by Launch Servicing, was assigned to SIMM Associates for collections on August 6, 2024. At the time of assignment, Ms. ****’s account was past due for a payment of $1,493.69.
  Ms. **** states in her complaint that she received a call from a SIMM Associates representative on August 12, 2024 and that the representative requested NPPI. While Ms. **** has expressed her concern with being asked to provide personal information for verification purposes, our representatives are required to ask for this information to properly authenticate with whom we are speaking. This is done to reduce any risk of releasing information to an unauthorized third party.
  We have attached the credit agreement and the Federal Truth and Lending Disclosure for her review.
  Due to this complaint, we have closed her account within our office and forwarded it back to our client. Ms. **** will receive no more communications from SIMM Associates. Should she have any questions she may contact *** ******** at  *********************** ** **** ** *************** ********* *****  
  Thank you.
  

  Customer Answer

  Date: 08/30/2024

  Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me in regards to the handing off of my account.  But I am still highly concerned by the fact that the representative would not disclose the company she was calling from, became hostile with me for refusing to provide NPPI to an individual from an unnamed company, and became hostile over my request that they provide documentation.  It's also concerning that a collection agency believes the Truth in Lending Act is the "Truth and Lending Act", based on their response.  I may still be following up with the CFPB regarding the initial contact, especially since the company seems to be disregarding that portion of the complaint.   Regards, Complaint ID: 22132260

• Initial Complaint

  Date:06/19/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a phone call on 6/12/24 asking for my ex-husband. I asked for documentation as to who they were and for the debt claimed. Spoke to ******-she was rude, yelling, threatening and argumentative about what I was stating was "a lie" and she wasn't required to provide documentation of anything. I received another call on 6/19/24 after a vague e-mail stating who the business was on 6/12/24. I again asked for documentation of the debt claimed. She stated they didn't receive that and I was to reach out to the debtor myself. (In Virginia, this is false). She then began to raise her voice, threaten, attempt to intimidate me and tried to basically coerce me into unknowingly acknowledging the debt claimed.

  

  Business Response

  Date: 06/27/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  **** *******’s complaint states she received a call from our company for the purposes of locating her ex-husband, ***** ****. Ms. ******* feels our representative was rude and argumentative. She again received a call on June 19, 2024 at which time she asked for documentation on the account. She feels again that our representative was rude and tried to intimidate her into paying this delinquent account.
  We received ***** ****’s, co-signed by **** *******, delinquent Truist Bank consumer loan on May 7, 2024. Upon listening to the recordings in question we do feel our representative was not showing the characteristics that we train and develop at SIMM Associates. She could have provided a much better customer experience. However, we did not hear any threats or intimidating tactics as mentioned in this complaint. The representative in question was placed on corrective action and removed from working Truist Bank accounts going forward. We apologize for any inconveniences this may have caused.
  Due to this complaint, we have closed the account within our office and forwarded it back to Truist Bank. Ms. ******* will receive no more communications from SIMM Associates. Should she have any questions she may contact **** *********** **  ************************ ** **** ** **************, extension 2011. 
  Thank you.
  
  

  Customer Answer

  Date: 07/02/2024

  Better Business Bureau:

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

  Regards,

  Complaint ID: 21872474
  

   

   

   

• Initial Complaint

  Date:03/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving NUMEROUS daily text messages from SIMM Associates - Debt Collector on my cell phone. Messages say: SIMM Assoc-Debt Collector: Log in at sclk.me/SIMMpay or call 855-427-8739 to review reduced pmt offer. Re: SIMM #20612648. Reply STOP to opt out. I do not have any debts in collections, I have verified this in my credit reports. I have not received any letters of debt or collections in the U.S. mail attempting to collect a debt. I have replied to these texts STOP to opt out and the text messages continue to be sent to me. This is harassment. If there is a legitimate reason for contacting me, please mail a letter to my residence but I have verified via all 3 credit bureaus that there are zero collections associated to my credit. Please see attached text from this morning.

  

  Business Response

  Date: 03/22/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  ******** *****’s past due Klarna account was assigned to SIMM Associates for collections on March 8, 2023. Based on the records provided by Klarna, the outstanding balance owed at time of assignment was $89.63 and represented the amount owed as a result of a purchase(s) made on February 24, 2022 via etsy.com. The product description was “excellent condition Ricoh GR1s Film Camera LCD Partially Works”.
  Ms. ***** states in her complaint that she has been receiving text messages from our company. She claims she does not have any debts in collections and has not received any letters attempting to collect on a debt. Ms. ***** also claims she has replied STOP to these text messages and they continue. She would like no further contact.
  Since receiving her delinquent account in our office over a year ago we have made dozens of attempts to contact her via cell phone calls, emails and SMS texts. At no time has she responded to our efforts until filing this complaint.
  Also, in regards to her opting out of receiving further texts messages, she did not do this until March 14, 2024 at 9:13AM which is the same day we received this complaint.
  Due to this complaint, we have closed her account within our office and forwarded it back to Klarna. Ms. ***** will receive no more communications from SIMM Associates. Should she have any questions she may contact *** ******** at  *********************** ** **** ** *************** ********* *****  
  Thank you.
  

  Customer Answer

  Date: 03/26/2024

  Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. I reject the response from this business.  I have never opened a Klarna account and do not have any purchase history on etsy that matches what this business claims.  What is the etsy account name this purchase is under? I searched all the way back to 2020 and do not see anything matching the description this company is describing. Regards, Complaint ID: 21427010    

  

  Business Response

  Date: 04/11/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  Jennifer *****’s past due Klarna account was assigned to SIMM Associates for collections on March 8, 2023. Based on the records provided by Klarna, the outstanding balance owed at time of assignment was $89.63 and represented the amount owed as a result of a purchase(s) made on February 24, 2022 via etsy.com. The product description was “excellent condition Ricoh GR1s Film Camera LCD Partially Works”.
  Ms. ***** states in her response that she still does not recall using the Klarna platform to make any purchases. Furthermore, after reviewing her purchase history on Etsy, she sees no match with the product description supplied in our initial complaint response.
  If Ms. ***** feels this is a case of fraud or would like to dispute the charges, she must contact Klarna directly for a resolution as this account is now closed with SIMM Associates due to this complaint.
  Should she have any questions she may contact *** ******** **  *********************** ** **** ** *************** ********* ***** 
  Thank you.

• Initial Complaint

  Date:03/04/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been waiting for months for the last payment I made to SIMM Associates to be reflected in my Klarna account. I keep calling SIMM Associates and they literally are no help. They say they're backlogged. They say call Klarna. Klarna, whom I trust far more, says there's nothing they can do even though I keep providing them the reference number SIMM Associates gave me to give to them. Klarna says they've received no word of my last payment. It has been nearly 3 months. Please figure this out so the debt is squared away.

  

  Business Response

  Date: 03/13/2024

  SIMM Associates, Inc. is a third-party collection agency.  SIMM does not purchase or own debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in Newark, Delaware.  From its inception, SIMM has been dedicated to providing highly effective collection services to its clients, assuring always that the consumer is dealt with in a professional and appropriate manner.
  ***** ****** past due Klarna account in the amount of $243.33 was assigned to SIMM Associates for collections on January 27, 2023. Based on the information provided by Klarna, the amount owed was associated with a transaction that was made on the www.etsy.com website on December 18, 2021. Our records indicate that on October 27, 2023, ***** ****** contacted our office to set up two payments, each for $66.92, to settle the account. The scheduled payments processed and posted on October 30, 2023 and December 8, 2023. Funds collected were sent to Klarna for posting and we sent notification to Klarna that the account was settled in full.
  ***** ****** states in her complaint that she has been waiting for months for the last payment made to SIMM Associates to be reflected on her Klarna account. We have reached out to Klarna directly to assist with Ms. ****** concerns and received the following response from Klarna:
  Rile ****** past due Klarna account was assigned to SIMM Associates for collections on January 27, 2023 with an outstanding amount $243.33 owed.  Klarna has received 2 payments of $66.92 USD ($133.84 USD total) making this claim 55% recovered. We have received the settlement closing status on February 23, 2024 and the remaining amount is in progress to be removed.
  Should she have any questions she may contact *** ******** **  *********************** ** **** ** *************** ********* *****  
  Thank you.

  Customer Answer

  Date: 03/16/2024

  Better Business Bureau:

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

  Regards,

  Complaint ID: 21385374