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:04/22/2025

  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 HAVE CALLED ME REPEATEDLY ASKING ABOUT MY DAUGHTER. THEY WERE INSTRUCTED TO STOP CALLING ME AFTER 3-4 DIFFERENT CALLERS . IT STOPPED FOR A FEW MONTHS AND TODAY I WILL FILE A COMPLAINT WITH THE FTC AND THE STATE OF INDIANA ATTORNEY GENERAL OVER HARASSMENT. THIS COLLECTION IS NOT FOR ANY BILLS I OWN AND THEY WERE INSTRUCTED TO CEASE THE CALLS. SO I WILL ALSO BE LOOKING INTO DAMAGES

  

  Business Response

  Date: 04/23/2025

  
  April 23, 2025
  
   Better Business Bureau
  
  RE:     Complaint of ****** *****
             Complaint No. ********
  Greetings:
  Our company is in receipt of and has reviewed, the complaint submitted by ****** ***** and received by our company on April 23, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients.Spire does not own the accounts we collect on, nor do we engage in credit reporting activities with respect to the accounts that are placed with us for collection.
  
  We were attempting to locate an individual to speak with them concerning an account that was placed with our company for collections.  As such, we were engaging in obtaining location information for this individual when we contacted Mr. ***** on April 22, 2025.  This was the only call Spire placed to Mr. *****.  Mr. ***** then called into our company on April 22, 2025 and stated that we had an incorrect number and the individual could not be located through him.  At that time, we removed Mr. *****’s contact information from the account to ensure that he is no longer contacted concerning this matter.
  
  We would note that this account was only placed with our office in the beginning of February and we just commenced making phone calls on this account in mid-April.  Mr. ***** in his complaint threatens showing up to our Ohio office to handle this matter in person.  We would point out that Spire does not have offices in Ohio and Mr. ***** may have us mistaken with a different collection agency that may have been contacting him concerning an unrelated matter.
  
  Nonetheless, we have removed Mr. *****’s phone number from the consumer’s account and he will not receive any further phone calls from our company with respect to this matter.
  
  It is the position of our company that our call to Mr. ***** was proper and not in violation of any collection laws.
  
  SPIRE RECOVERY SOLTIONS 

  Customer Answer

  Date: 04/23/2025

  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 same company has called last year several times. I will file the complaint with the FTC and the Attorney General.

  Calling me over and over ends. You removed my contact information until your next call. I am not responsible for anyone's debit but mine and I will not tolerate collection calls from no one.

  Locations are: *** ***********, also known as ********* ******** ********, has multiple office locations. Their primary location is in Dallas, Texas, and they have additional locations in Texas, Georgia, Missouri, Florida, Oklahoma, and Ohio. They offer various debt collection services for businesses, including accounts receivable management, consulting, and revenue cycle management
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  
  ****** *****
  
  
  
  

  
  

• Initial Complaint

  Date:04/17/2025

  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 trying to scam me. They are fraudulently claiming I owe $2750. I do not owe this company anything. They keep calling and texting. They refuse to tell me why they are calling unless o provide full name birthday and social security number. They refuse to honor my demand to have all original agreements and past due bills to be mailed to me. But they refuse to mail me anything. They refuse to stop contacting me, even going so far as to harass my family. If they do not cease and desist all communication to me or my family, I will seek legal counsel for violation of the FRCA!

  

  Business Response

  Date: 04/21/2025

  Greetings:Our company is in receipt of and has reviewed, the complaint submitted by **** ***** and forwarded to our company on April 14, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in credit reporting activities with respect to the accounts that are placed with us for collection.  Our client, ******** LLC, placed Mr. *****’s charged off ********* ******* account with our company for collections on February 21, 2025.  On January 30, 2025 our company emailed Mr. ***** the Model Validation Notice “MVN” advising him that this account was placed with our company for collections along with providing him with information as to how he can contact our company to discuss this matter.   The MVN was mailed to *****[email protected] which is the same email address Mr. ***** provided as part of his complaint.  On February 26, March 6, March 14, March 24 April 1 and April 9 our company sent Mr. ***** follow up emails requesting that he contacts our company concerning this matter.  These mail and email attempts were not responded to by Mr. *****.  As we were unsuccessful in contacting Mr. ***** via mail and email, we began making calls on this account on April 16, 2025.  As we did not have a verified correct phone number for Mr. ***** at the time, we commenced making calls on this account, we engaged in lawfully permissible skip tracing activities in order to locate a good contact number for Mr. *****.  We would point out that all calls made on this account were done in full compliance with Regulation F.  Additionally during these calls we never disclosed to any third party why we were attempting to locate and speak with Mr. *****. On April 16 and April 18, we received incoming calls from an individual we now know to be Mr. *****.  At the time of these calls, we were unaware who we were speaking with as Mr. ***** refused to complete our verification process to ensure that we were speaking with and disclosing information to the correct party.  As Mr. ***** was unwilling to complete the verification process we were unable to confirm we were speaking with the correct party and, as such, we were unable to assist him during these calls.  As Mr. ***** has some confusion as to what this account concerns, we have attached copies of the underlying account documents for his review.It is the position of our company that all collection activities were conducted in lawful and compliant manner.  Nonetheless, pursuant to Mr. *****’s request, we have placed his account into a cease and desist status to ensure that no further collection efforts are made by our company with respect to his account.   

• Initial Complaint

  Date:04/13/2025

  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.

  Spire Recovery Solutions is harassing my family by doing skip tracking to locate my family members. They say they have personal business with me. I do not have an account or personal business with them as I did not do business prior to this with them. They texted and said my name and DOB and quoted Federal disclosure laws I needed to follow. Upon looking these laws up it references government entities. They have never mailed me a notice no MVN was sent to me. I want them to send me the original contract with them I signed or original contract with the company claiming I owe money to them. Furthermore I want them to cease and desist skip tracking and contacting and current or former employees and family members. I also want them to cease and desist any claims it is personal business as I have none with them no personal or business relationship l. Furthermore I request all contact be done via US mail only. If not I will take further action for illegal debit collections. I tried logging into the account see photos for errors I got.

  

  Business Response

  Date: 04/14/2025

  Our company is in receipt of, and has reviewed, the complaint submitted by ******** ******** and received by us on April 14, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities. Ms. ******** had a charged-off ******** account placed with our company for on April 10, 2025. On April 11, 2025 our company emailed Ms. ******** the required Model Validation Notice “MVN” advising her that this account was placed with our company for collections.  The email was sent to Ms. ******** at *************************, which is the same email address Ms. ******** provided as part of her complaint.  We also commenced skip tracing activities on April 11, 2025 in an attempt to locate a good contact number in which to speak with Ms. ********. All skip tracing calls were made in a frequency to ensure compliance with all laws governing the collection of debt, including Regulation F. Additionally, during these skip tracing calls, we never disclosed to any third party why we were seeking to speak with Ms. ********.  Ther only day our company made phone calls on Ms. ********’s account was on April 11, 2025.Based on the request contained in Ms. ********’s complaint, we have placed her account into a “cease and desist” status to ensure that no further attempts to contact her are made by our company.  We have also made our client aware of Ms. ********’s complaint.  It is the position of our company that all collection activities have been performed in a lawful and compliant manner.  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  Date:04/11/2025

  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.

  Spire Recovery Systems aka SRS has been contacting friends and family members asking about me. They even contacted my ex-wife whom I've been divorced from for over 20 years. This is out right harassment and it needs to stop.

  

  Business Response

  Date: 04/14/2025

  
  Greetings:
  Our company is in receipt of and has reviewed, the complaint submitted by ****** ******* and forwarded to our company on April 14, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in credit reporting activities with respect to the accounts that are placed with us for collection. 
  
  Our client, ******** LLC, placed Mr. *******’s charged off ********** account with our company for collections on January 27, 2025.  On January 30, 2025 our company mailed Mr. ******* the Model Validation Notice “MVN” advising him that this account was placed with our company for collections along with providing him with information as to how he can contact our company to discuss this matter.   The MVN was mailed to ***** ****** ********** **** ********** ******* ***** which is the same email address Mr. ******* provided as part of his complaint.  The MVN was not returned to our company by USPS as being undeliverable.  Additionally, on January 31, 2025 we emailed Mr. ******* a copy of the MVN.  This was emailed to ******************.  On February 3, February 11, February 19, February 27, March 7, March 17, March 26, April 3 and April 11 our company sent Mr. ******* emails requesting that he contacts our company concerning this matter.  These mail and email attempts were not responded to by Mr. *******. 
  
  As we were unsuccessful in contacting Mr. ******* via mail and email, we began making calls on this account on April 11, 2025.  As we did not have a verified correct phone number for Mr. ******* at the time, we commenced making calls on this account, we engaged in lawfully permissible skip tracing activities in order to locate a good contact number for Mr. *******. 
  
  This complaint is the first communication we have received from Mr. ******* concerning this account.  Nonetheless, pursuant to Mr. *******’s request, we have placed his account into a cease and desist status to ensure that no further collection efforts are made by our company with respect to his account.    It is the position of our company that all collection activities were conducted in lawful and compliant manner. 
  
  

• Initial Complaint

  Date:04/09/2025

  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.

  ***** *******' with Spire Recovery Solutions has been constantly harassing me about some random "debt" that I apparently owe. Which is news to me since I literally have no debt. Also, judging by the reviews left here, this "company" has been providing a nearly identical response to every complaint, AND it's painfully obvious their responses are scripted with supposedly specific dates of attempted contact. For anyone else reading this comment, I encourage you to adjust your phone setting so it ignores anyone calling you that is not on your contact list. That way you don't waste your precious life moments with the likes of this scammer.

  

  Business Response

  Date: 04/10/2025

  
  April 10, 2025
  
  Better Business Bureau
  
  RE:     Complaint of ******* *****
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ******* ***** and received by us on April 10, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities. Spire was attempting to locate a person other than Mr. ***** and we sent two text messages to Mr. ***** on April 1, 2025 and April 9, 2025 believing that we were contacting the individual we were attempting to speak with concerning this matter. Based on the receipt of this complaint, we removed his phone number from the account in question to ensure that he is no longer contacted concerning this matter. It is the position of our company that all collection activities performed in this matter were done in a lawful and compliant manner.
  
  SPIRE RECOVERY SOLUTIONS 

  Customer Answer

  Date: 04/11/2025

  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:04/02/2025

  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 who I've never done business with or have a contract with keep calling multiple times a day and calling family members. They used a spoof website to contact from a number that is a dcf phone number. I called dcf and they reported they didn't call me. They are calling before 9am which I do not appreciate either. I work day time hours and don't want people harassing my family or myself. They personally have no debt with me and need to leave me and my family alone. I request all contact be made through mail from today and going forward and zero communication be made with anyone associated with me.

  

  Business Response

  Date: 04/03/2025

  
  April 3, 2025
  
  Better Business Bureau
  
  RE:     Complaint of ******* ******
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ******* ****** and received by us on April 3, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ****** had a charged-off RBT **** ** ********* account placed with our company for collections by the current creditor, ***** ******** LLC on February 7, 2025.
  
  On February 14, 2025 our company emailed Ms. ****** the required Model Validation Notice “MVN” advising her that this account was placed with our company for collections.  The email was sent to Ms. ****** at *************[email protected], which is the same email address Ms. ****** provided as part of her complaint.  Follow-up emails were also sent to Ms. ****** on February 17, February 26, March 6, March 14, March 24 and April 1.
  
  As we received no response from Ms. ****** in our attempts to contact her electronically, we commenced skip tracing activities on April 2, 2025 in an attempt to locate a good contact number in which to speak with Ms. ******. All skip tracing calls were made in a frequency to ensure compliance with all laws governing the collection of debt, including Regulation F. Additionally, during these skip tracing calls, we never disclosed to any third party why we were seeking to speak with Ms. ******. The only day our company made phone calls on Ms. ******’s account was on April 2, 2025.
  
  Additionally, our company never represented itself as child protection services in Kansas.  When we place phone calls, our name on the caller ID shows up as our DBA of “SRS” so not to disclose the nature of our business to third parties.  Apparently, SRS in the State of Kansas is an acronym for their social services agency.  Our DBA of “SRS” is used throughout the country and was not done to deceive Ms. ******.  We apologize for any confusion caused by this.
  
  Based on the request contained in Ms. ******’s complaint, we have placed her account into a “cease and desist” status to ensure that no further attempts to contact her are made by our company.  We have also made our client aware of Ms. ******’s complaint. 
  
  
  It is the position of our company that all collection activities have been performed in a lawful and compliant manner. 
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  Date:03/31/2025

  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.

  SRS have no respect or follow the LAW. THEY ARE CALLING MY OLD PLACE OF EMPLOYMENT INSTEAD OF ONLY HARRASSING ME THEY ARE TRYING TO HUMILIATE ME BY CALLING EMPLOYERS AND TELLING THEM TO TELL ME THIS AN URGENT MATTER AND I BETTER CALL THEM. THEY EVEN RECORDED THE CALL. I WANT THIS TO STOP BEFORE I HAVE TO TAKE LEGAL ACTION PLEASE

  

  Business Response

  Date: 03/31/2025

  
  March 31, 2025
  
  Better Business Bureau
  
  RE:     Complaint of ******* ********
             Complaint No. ********

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ******* ******** and received by our company on March 31, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ******** had a charged-off *** **** by ********* account placed with our company for collection by our client ******** LLC on January 29, 2025.
  
  On February 7, 2025, we mailed Ms. ******** the required Model Validation Notice “MVN” advising her that her account was placed with our company for collections and how she could contact us concerning this matter.  The MVN was mailed to *** ******** *****, Fort Walton Beach, Florida 32547 and was not returned by the USPS as being undeliverable. On March 31, 2025 we emailed Ms. ******** a copy of the MVN to ************@gmail.com.  Follow up emails we also sent to Ms. ******** on February 3, February 14, March 5, March 13 and March 21 requested that she contacts our office concerning this matter. 
  
  As we received no response from Ms. ******** in our attempts to contact her through both regular mail and email, we commenced skip tracing activities on March 31, 2025 in an attempt to locate a good contact number to speak with Ms. ********.  We only placed one phone call on this account and that was to ***** ******** on March 31, 2025. That same day, we received a return call from that telephone number.  During that call we were advised that this number was for Ms. ********’s place of employment.  Upon completion of this call, we notated our account notes to reflect this and marked the number as a wrong number to ensure that no further calls were made to her place of employment. 
  
  This was the only phone call, to date, that was placed on the account.  Additionally, when speak with Ms. ********’s place of employment we did not disclose as to why we were looking to speak with Ms. ********. 
  
  It is the position of Spire Recovery Solutions that all collection activities conducted on Ms. ********’s account were performed in full compliance of all laws and regulations governing the collection of consumer debt. 
  
  SPIRE RECOVERY SOLUTIONS.
  
  

  
  

• Initial Complaint

  Date:03/26/2025

  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.

  Spire Recovery Solutions has been harassing me and my family members with threatening phone calls, voicemails, and texts about a debt that I allegedly owe. They illegally contacted members that they should not have been contacting and do not have anything to do with matters that do not concern them. I am asking this company do cease and desist from further contacting me or any of my family members in regards to this. If they do not I will take legal action.

  

  Business Response

  Date: 03/27/2025

  
  March 27, 2025
  
  Better Business Bureau
  
  RE:     Complaint of ***** ********
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by Raven ******** and received by our company on March 27, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ******** had a charged-off First Heritage account placed with our company for collection by our client Huntington Debt Holdings LLC on March 21, 2025.
  
  On March 23, 2025, we mailed Ms. ******** the required Model Validation Notice “MVN” advising her that her account was placed with our company for collections.  The MVN was mailed to ** *** ****** **** ******** ********* 70612-3090 and was not returned by the USPS as undeliverable.  Additionally on March 26, 2025 we emailed Ms. ******** a copy of the MVN.  The MVN was emailed to *************@ymail.com. 
  
  Other than the mailing and emailing of the MVN to Ms. ********, our only collection activity on this account was a text message sent to Ms. ******** on March 26, 2025.  This text message was sent to ***** ******** which is the same telephone Ms. ******** provided as part of her complaint. 
  
  Contrary to the allegations contained in Ms. ********’s complaint, there were no phone calls placed on her account by our company either to herself or her relatives.  Our collection activities on her account were extremely limited and in compliance with all laws and regulations governing the collection of consumer debt. She may be confusing another collections agencies efforts as Spires.
  
  As this complaint contains no specific allegations of misconduct or wrongdoing by our company as it is just a generic complaint, we would request that this “complaint” is not published by your agency as our limited collection activities on this account clearly refute the generic allegations of Ms. ********. 
  
  SPIRE RECOVERY SOLUTIONS.
  
  
  

  

  Business Response

  Date: 03/27/2025

  
  March 27, 2025
  
  Better Business Bureau
  
  RE:     Complaint of ***** ********
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by Raven ******** and received by our company on March 27, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ******** had a charged-off First Heritage account placed with our company for collection by our client Huntington Debt Holdings LLC on March 21, 2025.
  
  On March 23, 2025, we mailed Ms. ******** the required Model Validation Notice “MVN” advising her that her account was placed with our company for collections.  The MVN was mailed to ** *** ****** **** ******** ********* 70612-3090 and was not returned by the USPS as undeliverable.  Additionally on March 26, 2025 we emailed Ms. ******** a copy of the MVN.  The MVN was emailed to *************@ymail.com. 
  
  Other than the mailing and emailing of the MVN to Ms. ********, our only collection activity on this account was a text message sent to Ms. ******** on March 26, 2025.  This text message was sent to ***** ******** which is the same telephone Ms. ******** provided as part of her complaint. 
  
  Contrary to the allegations contained in Ms. ********’s complaint, there were no phone calls placed on her account by our company either to herself or her relatives.  Our collection activities on her account were extremely limited and in compliance with all laws and regulations governing the collection of consumer debt. She may be confusing another collections agencies efforts as Spires.
  
  As this complaint contains no specific allegations of misconduct or wrongdoing by our company as it is just a generic complaint, we would request that this “complaint” is not published by your agency as our limited collection activities on this account clearly refute the generic allegations of Ms. ********. 
  
  SPIRE RECOVERY SOLUTIONS.
  
  
  

  

  Business Response

  Date: 03/27/2025

  
  March 27, 2025
  
  Better Business Bureau
  
  RE:     Complaint of ***** ********
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by Raven ******** and received by our company on March 27, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ******** had a charged-off First Heritage account placed with our company for collection by our client Huntington Debt Holdings LLC on March 21, 2025.
  
  On March 23, 2025, we mailed Ms. ******** the required Model Validation Notice “MVN” advising her that her account was placed with our company for collections.  The MVN was mailed to ** *** ****** **** ******** ********* 70612-3090 and was not returned by the USPS as undeliverable.  Additionally on March 26, 2025 we emailed Ms. ******** a copy of the MVN.  The MVN was emailed to *************@ymail.com. 
  
  Other than the mailing and emailing of the MVN to Ms. ********, our only collection activity on this account was a text message sent to Ms. ******** on March 26, 2025.  This text message was sent to ***** ******** which is the same telephone Ms. ******** provided as part of her complaint. 
  
  Contrary to the allegations contained in Ms. ********’s complaint, there were no phone calls placed on her account by our company either to herself or her relatives.  Our collection activities on her account were extremely limited and in compliance with all laws and regulations governing the collection of consumer debt. She may be confusing another collections agencies efforts as Spires.
  
  As this complaint contains no specific allegations of misconduct or wrongdoing by our company as it is just a generic complaint, we would request that this “complaint” is not published by your agency as our limited collection activities on this account clearly refute the generic allegations of Ms. ********. 
  
  SPIRE RECOVERY SOLUTIONS.
  
  
  

• Initial Complaint

  Date:03/18/2025

  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.

  This business is contacting me stating that I owe them money. I have never heard of them and has never done business with them. The Reference number that they provided is *******.

  

  Business Response

  Date: 03/18/2025

  
  March 18, 2025
  
  Better Business Bureau
  
  RE:     Complaint of *****h ******
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ****** ****** and received by our company on March 18, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ****** had a charged-off FEB/The Roomplace account placed with our company for collection by our client DNF Associates LLC on February 1, 2025.
  
  On February 7, 2025, we emailed Ms. ****** the required Model Validation Notice “MVN” advising her that her account was placed with our company for collections and how she could contact us concerning this matter.  The MVN was emailed to *****[email protected] which is the same email address Ms. ****** provided as part of her complaint. 
  
  On March 17, 2025 our company did receive a phone call from an individual at telephone number ************ who stated they were *****h Sutton.  We attempted to complete our verification process to ensure we were speaking with the correct party as to not violate any disclosure or privacy laws and the individual refused to complete this process.  Upon receipt of this complaint, we were able to verify that this was Ms. ****** as the telephone number that contacted us was the same telephone number that she provided in her complaint. 
  
  On the day after we received this phone call from Ms. ******, who refused to verify we had the correct party, we received this complaint from your agency. We would have been more than happy to assist Ms. ****** when she called into our company on March 17, 2025 if she just would have completed our required verification process.  Ms. ******’s complaint is nothing more than a cease and desist request and no actual allegations of misconduct or wrongdoing by our company.  
  
  As this complaint contains no allegations of misconduct or wrongdoing by our company, we would request that this “complaint” is not published by your agency. 
  
  SPIRE RECOVERY SOLUTIONS.
  
  
  

• Initial Complaint

  Date:01/28/2025

  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 Spire recovery solutions keeps contacting me about a debt of my partner that we aren't even sure is actually their's. This is my personal phone so it feels like harassment as I have nothing to do with it. They call nearly every day more than once and fill up my voicemail inbox fast with their lengthy messages and they do not even tell you it is for a debt. You would have to talk to them to know (I only know because I googled and saw all the complaints similar to my own).

  

  Business Response

  Date: 01/29/2025

  Greetings:Our company is in receipt of and has reviewed, the complaint submitted by ***** ********** and forwarded to our company on January 29, 2025. Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients.Spire does not own the accounts we collect on, nor do we engage in credit reporting activities with respect to the accounts that are placed with us for collection. We were engaging in skip tracing activities attempting to locate an individual to speak with them concerning an account that was placed with our company for collections.  We only contacted Ms. **********’s phone number four times January 15, January 21, January 23 and January 28 on in the belief that the consumer we were attempting to located and speak with could be reached at that number. In lieu of filing this complaint, Ms. ********** could have simply contacted our company and advised that she was not the consumer and that the consumer could not be reached via her telephone number.  We would then have immediately removed Ms. **********’s telephone number from the account.  Nonetheless, based on Ms. **********’s complaint and requested relief, we have removed her phone number from the consumer’s account and documented the account to reflect that Ms. **********’s phone number is not a good contact number for the consumer. Ms. ********** will not receive any further phone calls from our company with respect to this matter. We apologize to Ms. ********** for any inconvenience caused in this matter.  That being said, it is the position of our company that our calls were justified and not in violation of any collection laws. SPIRE RECOVERY SOLUTIONS