ComplaintsforSpire Recovery Solutions LLC

• Initial Complaint

  06/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They have been calling and harassing myself, my family members, and friends of the family! There are multiple calls being received per day. I have not disclosed any contact information for my family or my FRIENDS. These harassing calls need to stop immediately.

  

  Business response

  06/28/2024

  Greetings:Our company is in receipt of, and has reviewed, the complaint submitted by ******** ***** on June 27, 2024. 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 collection by the current creditor, ***** Services on May 14, 2024. On  May 15, 2024 our company emailed Ms. ***** the required Model Validation Notice (“MVN”) advising her that this account was placed with our company for collections. This MVN was emailed to ************************ which is the same email address provided by Ms. ***** as part of her complaint.  Additionally, follow up emails were sent to Ms. ***** on May 16, May 24, June 4, June 12 and June 21, requesting that she contacts our company concerning this matter. As we received no response from Ms. ***** with respect to our attempts to contact electronically, we commenced skip tracing activities on June 81, 2024 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. *****. This complaint was the first communication we received from Ms. ***** concerning this matter.  This was also the first time we were able to verify a good contact number for Ms. *****.Based on the request contained in Ms. *****’s complaint, we have ceased and desisted from any further collection efforts with respect to her account.  We have also made our client aware of Ms. *****’s complaint.  It is the position of our company that all collection activities were performed in a lawful and compliant manner.  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  06/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Spire Recovery Solutions is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Spire Recovery Solutions so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code § 1692c, Under this Act (Title VIII of the Consumer Credit Protection Act), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. I have previously made requests for validation and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. Spire Recovery Solutions has no legal right to access my email and has not provided validation of debt. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without permission. I hereby request cease and desist. As stated before this is illegal.

  

  Business response

  06/07/2024

  Greetings:Our company is in receipt of, and has reviewed, the complaint submitted by ******* ****** on June 6, 2024. 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 collection by our client ************ ******* ******** on June 3, 2024. On June 6, 2024 our company emailed Ms. ****** the required Model Validation Notice ("MVN") advising her that her account was just placed with our company for collections.  The MVN also provided Ms. ****** with numerous ways to contact our company if she wished to dispute this account. The MVN was sent to ************************** which is the same email address provided by Ms. ****** in her complaint. We are attaching a copy of the MVN as part of our response.Other than emailing Ms. ****** the MVN, we have had no other contact with Ms. ****** concerning her account.  We would point out that Ms. ******'s complaint contains no specific allegations of wrongdoing by Spire and instead appears to be some sort of template dispute one would find on the Internet.  Additionally, we would point out that Ms. ****** alleges she made previous requests for validation and Spire failed to respond.  This is simply not true as our collection activity was limited to emailing Ms. ****** the MVN on June 6, 2024 which is the same day she filed this complaint with your agency.  Ms. ****** has never made any type of validation request to Spire concerning this account.  To reiterate, we received this account for collections on June 3, 2024.  We then emailed Ms. ****** the MVN on June 6, 2024.  Ms. ****** filed this complaint on June 6, 2024, shortly after she received MVN.  Ms. ****** made no effort or attempt to contact our company to request validation of the account.As there has been no impropriety or wrongdoing on behalf of Spire with respect to this complaint, we would request that this complaint is not published by your agency as it clearly was a copy and paste from the Internet with no facts to backup these vague and inaccurate allegations.  SPIRE RECOVERY SOLUTIONS 

  Customer response

  06/24/2024

  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. The Company illegally obtained my email address, social security number and physical address but never mailed or emailed an original validation of debt with my signed signature stating I owe Spire Recovery Solutions or ************ ******* ******** this is harassment and a federal offense. Harassing a consumer and stating they are financially obligated to pay a sum of money without proof of validation with ICR or SRS business names on the documents is a Federal Offense.  Regards, ******* ****** 

  

  Business response

  06/25/2024

  Greetings:Please let this letter serve as a follow up to Ms. ******’s reply to the response we previously submitted on June 17, 2024.  To reiterate, Ms. ******’s concerns do not directly concern our company as it appears that Ms. ******’s issues relate to the original creditor.  To that extent, as part of the response we submitted on June 17, 2024, we attached copies of the underlying account documents.  We have satisfied our obligation by validating the account.We would once again point out that other than the complaint she filed with your agency, Ms. ****** never directly made any dispute request with our company concerning this matter as we received this account for collections on June 3, 2024.  We then emailed Ms. ****** the MVN on June 6, 2024.  Ms. ****** filed her original complaint on June 6, 2024, shortly after she received MVN.  Ms. ****** made no effort or attempt to contact our company to request validation of the account prior to the filing of her initial complaint. This new submission by Ms. ****** does not recite or contain any new allegations of wrongdoing by Spire as it is merely a regurgitation of her previous complaints.  We ceased and desisted from collection activities with respect to Ms. ******’s complaint at the time we received her initial complaint on June 7, 2024. As there has been no impropriety or wrongdoing on behalf of Spire with respect to any of the complaints submitted by Ms. ******, we would request that this complaint is not published by your agency.SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  06/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am legally an adult and this company is contacting my 80 year old mother in failing health to collect my debt. There is no reason for this company to contact my mother. Please make them stop.

  

  Business response

  06/06/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by *** ****** on June 5, 2024. 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 collection by the current creditor, ******** LLC on April 22, 2024.
  
  On April 23, 2024 our company emailed Ms. ****** the required Model Validation Notice (“MVN”) advising her that this account was placed with our company for collections. This MVN was emailed to **********************, which is the same email address Ms. ****** provided as part of her complaint.
  
  Additionally, periodic emails were sent to Ms. ****** on  April 24, May 2, May 10, May 22 and May 30, requesting that she contacts our company concerning this matter.
  
  As we received no response from Ms. ****** with respect to the MVN we emailed to her on April 23 along with follow up emails, we commenced skip tracing activities on May 30, 2024 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. ******.
  
  On June 5, 2024 Ms. ****** contacted our company via our online consumer portal.  This is the first time we were able to verify a good contact telephone number for Ms. ******.  During this electronic communication with Ms. ******, she requested that we stop contacting her mother.  As we now finally had a good contact number for Ms. ****** we reviewed all other phone numbers associated with her account and we advised Ms. ****** that we had done so.  During the communication with Ms. ****** she advised our company that she is not going to be able to pay this account as she in the process of gathering paperwork to file bankruptcy as she was post divorce, post COVID and post disability. 
  
  Based on the information provided by Ms. ****** during this electronic communication, we marked her account as a refusal – unable to pay.  As Ms. ****** is unable to pay her account we will not be pursuing any further collection activities on it and have returned it to our client advising them of this complaint.   
  
  It is the position of our company that all collection activities were performed in a lawful and compliant manner.  
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company repeatedly called me leaving voicemails for myself. Its obvious that my personal information has been shared with this collection company because I have no contract with this particular company nor have I ever granted them permission to contact me by verbal, non verbal, written, non written. This is a violation of the Privacy Act because my non public personal information was shared with them without my consent. I've also confirmed that this collection agency isn't license with the state of North Carolina to collect on anything. I am responding to your contact about a debt you are trying to collect. You contacted me by phone on 05/29/2024 (twice), 05/23/2024, 06/04/2024 and stated you wanted to discuss a matter you received. Please supply the information below in writing so that I can be fully informed: 1. Please provide copy of contract showing that I legally owe and obligated to pay you a debt. 2. Your license number as proof that you are licensed to collect in the state of North Carolina. Provide the date of the license, name on the license, the name/address/telephone number of the state agency issuing the license. 3. Have you made a determination that this debt is within the North Carolina statue of limitation applicable to it? Effective immediately, you are to no longer contact me by landline phone, mobile phone nor reach out to anyone related to me verbally, non verbally nor written. Your only form of communication to me directly is in writing only. I opt out of you sharing my information verbally, non verbally, written or otherwise with consumer reporting agencies, marketing companies, financial institutions, or any type of commercial organizations. My financial information and payment history is non public personal information that you are not to share with anyone without my expressed/written consent because it is protected by the Privacy Act, GLBA, FCRA and FTC. Any violation of these laws will result in legal action. This is first and final.

  

  Business response

  06/05/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ****** ******* on June 4, 2024. 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 collection by our client ******** LLC on April 17, 2024.
  
  We commenced skip tracing activities on May 23, 2024 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. *******.
  
  On June 4, 2024 our company did receive a phone call from an individual at telephone number 704-302-6574 who stated they were ****** *******.  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, in fact, Ms. ******* as the telephone number that contacted us was the same telephone number that Ms. ******* provided in her complaint. 
  
  On the same day we received the phone 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 June 4, 2024 if she just would have completed our required verification process.  Ms. *******’s complaint is nothing more than a dispute request and no actual allegations of misconduct or wrongdoing by our company.  
  
  Ms. ******* in her complaint claims that Spire is not licensed.  This is not the case as we hold a valid collection license in North Carolina and are providing it was part of our response.  Additionally, we are attaching all underlying account documents are part of our response as Spire had the legal and authority to pursue collections on Ms. *******’s account. 
  
  Be advised that we have made our client aware of this complaint and they have recalled Ms. *******’s account.
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  05/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  SRS COMPANY HAS BEEN CONTACTING FAMILY MEMBERS WITH A PHONE NUMBER NEVER PROVIDED TO ANY CREDITORS -SENDING TEXT MESSAGES SAYING THEY ARE TRYING TO COLLECT A DEBT, THE NUMBER THEY ARE USING IS NOT MINE, I DO NOT KNOW WHY THEY ARE CONTACTING ME OR MY RELATIVES,

  

  Business response

  05/31/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ***** ***** on May 31, 2024. 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 collection by our client and the current creditor, ***** ******** LLC on May 21, 2024.
  
  On May 23, 2024 our company emailed Ms. ***** the required Model Validation Notice (“MVN”) advising her that this account was placed with our company for collections. This MVN was emailed to ******************* which is the same email address Ms. ***** provided as part of her complaint.
  
  We commenced skip tracing activities on May 23, 2024 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. *****.  We were unable to obtain and verify a correct phone number until the receipt of this complaint wherein Ms. ***** provided her telephone number.
  
  It is the position of our company that all collection activities were performed in a lawful and compliant manner. Nonetheless, based on the request contained in Ms. ***** ’s complaint, our company has ceased and desisted with any further collection activity with respect to her ********* account. Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  05/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has been harassing me and my family with non stop calls and voicemails. (Past family members as well) This company needs to cease and desist all form communication about any business. Under the FDCPA you cannot abuse any actions to collect a debt and they have. They’ve not only called but sent texts to family and others- with a refrence number allowing ANYONE to view my information by just applying my first and last name. When called back to the number listed it goes straight to voicemail with 0 correspondence. Picture provided is from a distant friend!!

  

  Business response

  05/31/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ****** ******* on May 30, 2024. 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 collection by our client and the current creditor, ***** ******** LLC on May 21, 2024.
  
  On May 23, 2024 our company emailed Ms. ******* the required Model Validation Notice (“MVN”) advising her that this account was placed with our company for collections. This MVN was emailed to ************************** which is the same email address Ms. ******* provided as part of her complaint.
  
  We commenced skip tracing activities on May 12, 2024 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. *******.
  
  On May 30, 2024 our company did receive a voice message from Ms. ******* stating that this was her third attempt to call us concerning this matter.  This call was made to us after business hours on May 29, 2024 and was the first time we received contact from Ms. ******* concerning this matter.  Upon receipt of her voicemail message, we documented the telephone number she left as a verified correct phone number for her.
  
  Additionally, on May 30, 2024 Ms. ******* contacted us through our online consumer portal and stated that she was requesting account info for her debt.  At that time, we responded by stating that we first needed to verify we were communicating with the correct party.  We asked Ms. ******* to verify her date of birth but received no response.  As Ms. ******* never verified this information, we were unable to communicate with her any further. 
  
  It is the position of our company that all collection activities were performed in a lawful and compliant manner. Nonetheless, based on the request contained in Ms. ******* ’s complaint, our company has ceased and desisted with any further collection activity with respect to her ********* account. Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  05/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has been harassing me and my family with non stop calls and voicemails . This company needs to cease and desist all form communication about any business. Under the FDCPA you cannot abuse any actions to collect a debt and they have. They’ve not only called but sent texts to family and others. Business debts also are not covered under the FDCPA.

  

  Business response

  05/06/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ******** ****** on May 5, 2024. 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.
  
  Mr. ****** had a charged-off ****** **** account placed with our company for collection by the current creditor, ******** LLC on September 4, 2023.
  
  On September 4, 2023 our company mailed Mr. ****** a Model Validation Notice (“MVN”) advising him that this account was placed with our company for collections. This MVN was mailed to *** ** ******* ******* ***** Tennessee and was not returned by the USPS as undeliverable. We have attached a copy of this letter as part of our response.
  
  Additionally, on September 6, 2023 we sent a copy of the MVN to Mr. ****** via email.  This was sent to Mr. ****** at ******************** which is the same email address Mr. ****** provided as part of this complaint.  Additionally, periodic emails were sent to Mr. ****** from September 15 through April 25, requesting that he contacts our company concerning this matter.
  
  We commenced skip tracing activities on September 5, 2023 in an attempt to locate a good contact number in which to speak with Mr. ******. 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 Mr. ******. This complaint was the first communication we had from Mr. ****** concerning this matter along with the first time we were able to verify a correct telephone number for him.
  
  It is the position of our company that all collection activities were performed in a lawful and compliant manner. Nonetheless, based on the request contained in Mr. ******’s complaint, our company has ceased and desisted with any further collection activity with respect to his ****** **** account. Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  COMPANY CONTACTING FAMILY MEMBERS WITH A PHONE NUMBER NEVER PROVIDED TO ANY CREDITORS -SENDING TEXT MESSAGES SAYING THEY ARE TRYING TO COLLECT A DEBT, THE NUMBER THEY ARE USING IS NOT MINE, I DO NOT KNOW WHY THEY ARE CONTACTING ME OR MY RELATIVES,

  

  Business response

  05/01/2024

  
  Greetings:
  Our company is in receipt of and has reviewed, the complaint submitted by ******* ***** on April 30, 2024 and forwarded to our company on May 1, 2024. 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.
  
  A ******* ********* **** account in the name of ******* ***** was placed with our company for collections on or about April 26, 2024 by our client ***** ******** LLC.  
  
  To date, other than loading Ms. *****’s account into our collection software on April 29, 2024, there has been no other collection activities done with respect to her account.  There have been no letters, no emails, no calls, and no text messages sent with respect to Ms. *****’s account.
  
  We believe that, while we do have an account of Ms. *****’s that we are attempting to collect on behalf of our client, Ms. ***** has us confused with another collection agency who may also be contacting her regarding a different account. 
  
  While it is the position of Spire there was no wrongdoing or basis for this complaint, as there has been no collection activity commenced on Ms. *****’s account, we have moved her account into a cease and desist status based on the request contained in her complaint.  Additionally, we have advised our client of this complaint. 
  
  SPIRE RECOVERY SOLUTIONS

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Spire recovery continues to contact ex family members of mine despite the fact that I have asked them not to. This is putting my safety in jeopardy. I ask that all communication with anyone but me cease and desist. I have called this company and sent correspondence on their website. They claim that because they have 2 accounts for me that I have to repeatedly ask them to stop calling any contacts they find for me, because they can't keep their information straight.

  

  Business response

  05/01/2024

  
  Greetings:
  Our company is in receipt of and has reviewed, the complaint submitted by ****** **** and forwarded to our company on May 1, 2024. 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.
  
  An ******* Credit account in the name of ****** **** was placed with our company for collections on March 19, 2024 by our client ***** ******** LLC.  
  
  On March 20, 2024 our company mailed Ms. **** the Model Validation Notice (“MVN”) as prescribed by Regulation F advising that her account has been placed with our company for collections. The MVN which was mailed to Ms. **** at the same address she provided as part of her complaint (***** ** ***** ******* *********** ******* *****) and was not returned as undeliverable by the USPS.  A copy of this MVN is attached as part of our response.  We also emailed Ms. **** a copy of the MVN on March 21, 2024 to ******************* which is the same email address Ms. **** provided as part of her complaint. Additionally, follow up emails requesting for Ms. **** to contact us were sent on March 29, April 4, April 10, April 17 and April 24.. 
  
  We commenced skip tracing activities on March, 2024 in an attempt to locate and speak with Ms. **** concerning her account.  All skip tracing calls were made in compliance with Regulation F and all other laws concerning the collection of consumer debt. There was no disclosure made to any third parties as to why we were attempting to locate and speak with Ms. ****.  
  Ms. **** is correct that we did have another account of hers at one point with our company.  We would note that with respect to that account, the last time we spoke with Ms. **** was in October of 2023.  We made additional attempts to contact Ms. **** without any response as she did at one point have a settlement arrangement setup with respect to that account that ultimately defaulted.  As such, that account was ultimately recalled from our company on March 1, 2024, prior to the placement of this account with our company. 
  On April 30, 2024 Ms. **** contacted our company regarding this matter.  At that time, we were able to confirm that ###-###-#### was still a good contact number for her as all attempts to contact her at that number since October of 2024 went unanswered and unreturned. 
  It is the position of Spire that all collection activities were performed in a lawful and compliant manner, as we were able to speak with Ms. **** on April 30, 2024 and confirm a verified contact number for her, we have removed all other phone numbers associated with Ms. ****.  Additionally, we have advised our client of this complaint. 
  
  SPIRE RECOVERY SOLUTIONS

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company is calling me and relatives about a supposed debt that I have not received notification that they own the account. When leaving a voicemail on relative phones, they are maintaining that they are trying to find location information for me. On voicemail, they first started off by not identifying a company and now is saying SRS which is confusing because while doing research has found that there is two SRS. When called today, I attempted to talk to Jessica due to the calls and the fact that I have not received documentation that they have been sold an account. She was unprofessional as she was talking over me and failing to listen. She kept saying that I should have received notices and making threats of legal actions if not paid today. She never identified who the creditor is, asked me to identify myself other than am I speaking to *****. And it shall be noted that SRS is not on my credit. At this point, I want SRS to cease and desist with contacting me.

  

  Business response

  04/30/2024

  Greetings:Our company is in receipt of and has reviewed, the complaint submitted by ***** ****** and forwarded to our company on April 30, 2024. 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. A ********* Bank account in the name of ***** ****** was placed with our company for collections on March 5, 2024 by our client ***** ******** LLC.   On March 6, 2024 our company mailed Ms. ****** the Model Validation Notice (“MVN”) as prescribed by Regulation F advising that her account has been placed with our company for collections. The MVN which was mailed to Ms. ****** at ***** ****** ****** *********** ******* ***** and was not returned as undeliverable by the USPS.  A copy of this MVN is attached as part of our response.  We also emailed Ms. ****** a copy of the MVN on March 6, 2024 to ********************** which is the same email address Ms. ****** provided as part of her complaint. We would also point out that Ms. ****** received the email MVN as she registered and logged into our consumer portal on March 6, 2024.  As we received no response from Ms. ****** with respect to the MVN which was emailed and mailed to her, we commenced skip tracing activities on April 11, 2024 in an attempt to located and speak with Ms. ****** concerning her account.  All skip tracing calls were made in compliance with Regulation F and all other laws concerning the collection of consumer debt. There was no disclosure made to any third parties as to why we were attempting to locate and speak with Ms. ******.   The first time we were able to confirm a good contact telephone number was when we received this complaint which contained Ms. ******’s phone number.Ms. ****** in her complaint alleges that she spoke with a Jessica from our company concerning her account.  We have reviewed all collection notes and call logs made with respect to this account and we can state with a certainty that our company has never spoken with Ms. ****** concerning this account.  Spire does not permit or condone our employees threatening legal action against consumers as part of our collection practices.  We believe that, while we do have an account of Ms. ******’s that we are attempting to collect on behalf of our client, Ms. ****** has us confused with another collection agency who may also be contacting her regarding a different account.  While it is the position of Spire that all collection activities were performed in a lawful and compliant manner, based on the request of Ms. ******, we have moved her account into a cease and desist status based on the request contained in her complaint.  Additionally, we have advised our client of this complaint.  SPIRE RECOVERY SOLUTIONS

  Customer response

  05/04/2024

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

*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. ↩