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:03/21/2025

  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.

  I have saved the voicemail from March 17, 2025 but these morons call my phone everyday for my ex-wife and need to stop the harassment. They are repeatedly calling a number they have no right to call and I have told them to cease and desist. I am not responsible for any of her debts and I am not getting involved at all. I will file suit for the harassment if they do not stop calling my number. They are violating the FDCPA.

  Business Response

  Date: 03/21/2025

  Dear BBB and Mr. *****,Thank you for bringing this matter to our attention. We take all consumer concerns seriously and appreciate the opportunity to respond.After reviewing your complaint, we were able to identify the phone number referenced. That number has now been removed from our system, and you will receive no further contact from our office.We would also like to clarify the following points for accuracy:Call attempts to the number referenced in the complaint were made without any prior indication that it was incorrect. There were no answers or return calls informing us that the number did not belong to the intended party, *********. As such, we were not aware that Mr. ***** was divorced from ********* or that he was unrelated to the matter.It is important to note that our outbound call attempts are never made to harass. When calls are made to third parties, it is strictly to obtain location information, which is permissible under the Fair Debt Collection Practices Act (FDCPA).As soon as we became aware of the concern, we took immediate corrective action to prevent any further contact.We apologize for any inconvenience this may have caused and appreciate the opportunity to resolve the matter. If there are any additional concerns, we welcome the opportunity to address them directly.Sincerely, Julie C******* Chief Compliance Officer Recovery Management Solutions###-###-####

• Initial Complaint

  Date:03/07/2025

  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 was contacted on 3/5/2025 by person who falsely claimed on the voicemail they left that this was a reference check for my brother, and upon researching the number online I found out that this is a debt collection agency, only named as RMS, and is using misleading tactics to obtain information on a sibling who does not live with me. I do not want to be called again, nor contacted by them.

  Business Response

  Date: 03/10/2025

  Dear BBB Representative and Ms. ***** ****,We sincerely apologize for any inconvenience or concern this call may have caused. Our company is committed to operating within all applicable Fair Debt Collection Practices Act (FDCPA) guidelines, and we take all complaints regarding communication practices seriously.Upon review of this matter, we would like to clarify the following:Purpose of the Call – Our outreach was for location information only, as permitted under 15 U.S.C. 1692b. At no point was any debt-related information disclosed.Company Identification – We understand that our acronym, RMS, may have caused some confusion. Our representatives are trained to comply with limited content messaging requirements, ensuring we do not misrepresent our purpose or disclose any sensitive information.Cease & Desist Status – As per your request, we have flagged your contact information for no further outreach. You will not receive any future calls or communications from our company.We appreciate the opportunity to address this concern and apologize for any misunderstanding. If you need further clarification, please feel free to reach out to us directly at ###-###-####, our toll-free number.Sincerely, Julie C*******Chief Compliance OfficerRecovery Management Solutions###-###-####

  Customer Answer

  Date: 03/10/2025

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

• Initial Complaint

  Date:03/03/2025

  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.

  This company is harassing my family, and telling them that I am going to lose my home if I don’t get in contact with them. If I’m not mistaken they are not supposed to disclose any information regarding the nature of the case.

  Business Response

  Date: 03/04/2025

  Dear ****,I sincerely apologize that we have been unable to establish direct contact with you to provide details regarding your file. We always strive to communicate transparently and ensure our customers have all the necessary information.Our company follows strict compliance guidelines, including the Fair Debt Collection Practices Act (FDCPA). When we are unable to reach a customer directly, we may attempt to contact third parties solely for location information. However, we do not disclose any details regarding the nature of the account in these interactions.Occasionally, third parties may ask questions regarding the file, and in those instances, we redirect the conversation to locating you rather than discussing any account details. Once we establish direct contact with you, all third-party outreach ceases immediately.Additionally, at no time during these conversations was it stated that you were going to lose your home if you did not contact our office. We take compliance and transparency seriously and ensure that all communications follow the necessary legal guidelines.Due to your complaint, we have placed your account in cease & desist status, meaning we will no longer make any attempts to contact you or any third parties regarding this file.That said, if you would like to discuss your outstanding file directly, I would be more than happy to assist you with understanding and grace. I am confident that we can find an amicable resolution that works for you.Please feel free to reach out if you have any questions or would like to explore possible solutions.Best regards,Thomas T********Recovery Management Solutions###-###-####

• Initial Complaint

  Date:02/25/2025

  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.

  This company is harassing my family and me. They are calling family members that I don’t even have a relationship with. I demand that this company stops contacting my family and me. If they have a bill that I need to pay, they can send me the notice by mail only. I will not answer any phone calls.

  Business Response

  Date: 02/25/2025

  Dear ******,

  We take all complaints seriously and want to address this matter appropriately. After reviewing our records, we would like to clarify the following:

  Cease & Desist Request – We have noted the request to stop all phone contact and will ensure that no further calls are made to the complainant or their family members. Any future communication will be limited to mail correspondence, per the complainant’s preference.

  Third-Party Contacts – Any contact with family members was for location purposes only, in compliance with FDCPA regulations (Fair Debt Collection Practices Act). However, we respect the complainant’s request and will ensure that no further third-party outreach occurs.

  Billing Information – We have already issued a Dunning Notice to the complainant at the following address on file:
  *** **** *** **** ******** ** ******
  If an updated mailing address is required, the complainant may provide it via email or written request.

  Communication Attempts & Future Requests – We have attempted multiple calls and left voicemails on the phone number provided in the complaint. When we are unable to reach a consumer, we must assume that the number is no longer valid, triggering third-party calls for location information. In the future, if the complainant would like to cease collection efforts, a simple phone call requesting a cease-and-desist would suffice, and we will honor that request immediately.

  We sincerely apologize for any distress this may have caused and appreciate the opportunity to resolve the matter. Please let us know if there are any further concerns.

  
  Best regards,
  Thomas T********
  Chief Operating Officer
  Recovery Management Solutions
  ###-###-####

  Customer Answer

  Date: 02/27/2025

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

• Initial Complaint

  Date:02/10/2025

  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.

  They keep calling everyone I know but refuse to say what it is for. I have no emails from them, or anything. This is harassments at this point. If you wish to contact me I need proof I signed anything in regards to the debt via email or mail no phone contact at all.

  Business Response

  Date: 02/11/2025

  Dear Better Business Bureau,We appreciate the opportunity to address this complaint and sincerely apologize for any frustration the consumer has experienced.Our company strictly follows all federal and state regulations regarding debt collection, including the Fair Debt Collection Practices Act (FDCPA). Our calls are made only to reach the responsible party and provide important account-related information. We do not disclose any details to third parties in full compliance with privacy laws.As requested, we have ceased all phone contact and will provide any necessary documentation via email or mail. We have also ordered verification of debt from Meta Corp, which will be sent to the email address verified in the complaint as soon as it becomes available. Again, we apologize for any inconvenience and appreciate the opportunity to resolve this matter in a professional and compliant manner.Sincerely,Thomas T********Chief Operating OfficerRecovery Management Solutions###-###-####

• Initial Complaint

  Date:02/07/2025

  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.

  February 7th, 2025 DOB ********** Notice to Cease and Desist Communications This is to advise you that pursuant to the Fair Debt Collection Practices Act (FDCPA) 15 USC §1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of an alleged debt you attempting to collect. This notice shall include, but is not limited to written correspondence, as well as telephone communication. Please also be advised that you may not contact me at my place of employment because my employer prohibits me from receiving such communications. I simply wish you to cease all communication (mail, phone calls or other) with me or any member of my household, family or friends. This includes my place of employment. I do not admit or deny liability on the debt. I just want you to stop contacting me. You may contact me by mail or respond to this only to tell me that you are ceasing communications. Thank you.

  Business Response

  Date: 02/10/2025

  Dear Better Business Bureau,
  We appreciate the opportunity to respond to this complaint. We want to clarify that a formal complaint was not necessary to request a cease-and-desist. Our office fully complies with the Fair Debt Collection Practices Act (FDCPA) and honors cease-and-desist requests upon receipt.
  In this case, we spoke with the consumer on Friday, February 7, 2025, during which they informed our office of their intent to file for bankruptcy. During that same conversation, the consumer also requested a cease-and-desist on their account. Following standard procedure, our team immediately escalated the request to a manager, who then confirmed and verbally honored the cease-and-desist at that time.
  As a result, no further communication will be initiated, except as permitted by law (e.g., to confirm the request has been honored). If the consumer has any further concerns or requires documentation, they are welcome to contact us directly.
  Thank you for your time and consideration.
  Sincerely,
  Thomas T********
  Chief Operating Officer
  RMS
  ###-###-####

  Customer Answer

  Date: 02/10/2025

  Better Business Bureau: 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.This company uses numbers with local area codes as a tactic to get consumers to answer their phone (###-###-####). I would like to further clarify the cease and desist occurred after I let the debt collection agency know I have an attorney resolving this issue. I was then antagonized into disclosing who my attorney was. After I told the representative I’m not disclosing that information and disconnected the call I was called right back from the same local number again. It was after this call I proceeded with this complaint and this cease and desist letter. I also called and verbally gave my cease and desist letter in which I was transferred over to a manager who was still a debt collections agent that asked for my personal information (name, D.O.B.) and said that was mandatory to put in a cease and desist letter. After providing this information the debt collections agent still persisted in going over debts and the reason for their call. I then verbally read out the entirety of the cease and desist letter to this agent that then said the cease and desist was filed.  Regards, ****** *****

• Initial Complaint

  Date:01/08/2025

  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.

  January 8, 2025 Re: ****** ******  DOB 06/14 9173 Notice to Cease and Desist Communications This is to advise you that pursuant to the Fair Debt Collection Practices Act (FDCPA) 15 USC §1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of an alleged debt you attempting to collect. This notice shall include, but is not limited to written correspondence, as well as telephone communication. Please also be advised that you may not contact me at my place of employment because my employer prohibits me from receiving such communications. I simply wish you to cease all communication (mail, phone calls or other) with me or any member of my household, family or friends. This includes my place of employment. I do not admit or deny liability on the debt. I just want you to stop contacting me. You may contact me by mail or respond to this only to tell me that you are ceasing communications. Thank you,

  Business Response

  Date: 01/09/2025

  Dear Ms. ****** ******,

  We are writing in response to your Cease and Desist request dated January 8, 2025. In compliance with your directive under the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. §1692c(c), we have flagged your account as Cease and Desist in our system. We have ceased all forms of communication, as you requested, and will continue to respect your wishes to refrain from contacting you via phone, email, or any other method outside of what is legally permitted.

  For your reference, your loan with ******** Federal Credit Union currently has an outstanding balance of $8,970.86. The loan was opened on May 12, 2021, and the last payment received was on July 1, 2024.

  We understand your desire to cease communication at this time. However, when you are ready to discuss your account, our management team will be happy to assist you in finding a solution. Please know that our goal is to work with you to resolve this matter in a way that works for you.

  Should you decide to re-engage and discuss potential arrangements, please feel free to contact one of our Office Managers directly:

  William G***** at ###-###-####
  Renaya R***** at ###-###-####

  Our team is available to help you navigate your options when you are prepared to do so.

  Thank you for your attention to this matter.

  Sincerely,

  Tayrin T****, Chief Compliance Officer
  

  Recovery Management Solutions

  485 Cayuga Road

  Cheektowaga, NY 14225

• Initial Complaint

  Date:11/26/2024

  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 keep receiving harassing calls from a company called RMS from ###-###-####. I don't owe them anything and have never conducted business with them. They make harassing calls my family members as well. I've asked them to cease the harassing calls, yet they continue.

  Business Response

  Date: 12/04/2024

  Dear Mr. ***** *********,Thank you for sharing your concerns regarding the calls you received. We take your complaint seriously and have reviewed our records in response.On November 26, 2024, we received your voicemail requesting a Cease and Desist, and we immediately notated this request on file. No calls have been placed to you, your family members, or any associated contacts from our office since that date.We would also like to provide some clarification regarding our practices. Under the Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. § 1692b), debt collectors are permitted to contact third parties, such as family members, for the sole purpose of obtaining location information about the consumer. However, these contacts are limited by strict rules:We cannot disclose that the consumer owes a debt.We can only identify ourselves by name, state that we are confirming or correcting location information, and provide our contact information if asked.We are prohibited from contacting the same third party more than once unless requested to do so.We adhere to these regulations in our collection practices. However, based on your request, no further calls of any kind have been made from our office since November 26.If you believe any contact violates these rules or that the calls originated from a different source, please provide additional details, such as call times and numbers, to help us investigate further.We appreciate your patience and understanding. Should you have further questions or need additional clarification, please do not hesitate to reach out.Sincerely,Tayrin T****, Chief Compliance Officer Recovery Management Solutions###-###-####

• Initial Complaint

  Date:11/26/2024

  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.

  Please cease and desist all communication attempts. I will validate the debt the supposed original creditor, and if the debt turns out to be valid, I will make arrangements with them.

  Business Response

  Date: 12/04/2024

  Dear ******* ******,Thank you for bringing your concerns to our attention.After thoroughly reviewing our records and conducting an investigation using the information you provided, we were unable to locate any account or record associated with your name, address, phone number, or email address in our office. It appears this matter may be intended for a different company.We recommend reaching out directly to the supposed original creditor or verifying the identity of the organization contacting you to ensure the matter is directed appropriately.If you have any additional information or documentation that may assist in identifying this matter, please feel free to share it with us. Otherwise, we appreciate your understanding and hope this clarifies our position.Sincerely, Tayrin T****, Chief Compliance Officer Recovery Management Solutions ###-###-####

• Initial Complaint

  Date:10/28/2024

  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 requesting the cease of all communication. I will validate claim with creditor.

  Business Response

  Date: 10/29/2024

  Dear ****** *******Thank you for reaching out regarding your account.We acknowledge your request to cease communication and have placed your account in “Cease and Desist” status to honor this request. Please be advised that your account originally held with ******** ******* ****** ***** (account #***********, RMS file #*******) was sold to ***** Acquisitions, subsequently transferred to *** and Associates, and is now placed with our office for collection.Should you wish to discuss an arrangement moving forward, all communication regarding your account will need to be directly with our office. We are here to work with you in a respectful and accommodating manner. To discuss options, please contact any of the following representatives:Renaya R****** Office Manager: ###-###-####Scott D*****, Your Account Representative: ###-###-####We are more than happy to assist you and look forward to helping you set up a suitable arrangement, should you choose to reach out.Best regards,Tayrin T****Chief Compliance Officer Recovery Management Solutions