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: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 am writing to formally address a concerning incident involving your agency. I was first contacted by Spiral Solutions on November 25 at approximately 11:00 a.m. Later that same day, another department from my employer informed me that SRS had contacted them regarding a matter that is being handled through their office. This situation caused significant discomfort, as it was evident to others in my workplace what the call pertained to. I have not received the legally required validation of the debt, including: • My original contract with the originating collection agency, • Your agency’s contract with that agency, and • Validation of the debt itself. Contacting my employer, especially an incorrect branch, and causing public embarrassment violates lawful and ethical standards. This behavior is not only inappropriate but also potentially unlawful. I expect an immediate response to this complaint and a resolution to the matter, including the requested documentation. Failure to comply will result in me pursuing further action as permitted by law.

  

  Business Response

  Date: 11/27/2024

  
  November 27, 2024
  
   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 November 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.
  
  Ms. ******* had a Credit Fresh account that was placed with our company for collections by our client ******** ********* on October 29, 2024. On October 31, 2024 our company emailed Ms. ******* the Model Validation Notice as prescribed by Regulation F advising that her account have been placed with our company for collections.  We sent follow up emails to Ms. ******* on November 1, November 11 and November 20 requesting that she contacts our company to discuss this matter.  All emails sent to Ms. ******* were sent to b*******@yahoo.com, which is the email address she provided to your agency as part of her complaint.
  
  As the Model Validation Notice emailed to Ms. *******, along with the follow up emails, were not responded to, we started performing skip tracing activities to locate and speak with Ms. ******* on the telephone commencing on November 25, 2024. As of the time we started making calls on the account we did not have a verified telephone number for Ms. *******.  As part of our skip tracing efforts, we did make calls to ascertain a good telephone number for Ms. *******.  All skip tracing calls made on this account were performed in a compliant manner as we never disclosed the reason why we were seeking to speak with Ms. *******.  Furthermore, the frequency of the calls made on this account was done in full compliance with Regulation F.
  
   On November 26, 2024 our company spoke with Ms. ******* for the first and only time
   regarding  this matter.  During this telephone conversation as we were able to verify a
   good telephone  numbers to contact Ms. ******* we removed all other phone numbers
   from her account.  Ms. *******, during this call, stated she was disputing the account
   and, additionally, requested that we provide her with the account documents.  Upon
   conclusion of this phone conversation, we notated her account as a dispute and then
  
  placed her account into a “dispute” status.  We have reached out to our client to obtain the necessary account documents.  Until such time we can provide her with documents responsive to her dispute request, we will not be contacting Ms. ******* regarding this matter.
  
  Based on the above, we believe that all our collection actions in this matter were permissible and lawful.  If there is any additional information which you desire, kindly feel free to contact us.
  
  SPIRE RECOVERY SOLUTIONS LLC

• Initial Complaint

  Date:11/21/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  3 separate members of my family have been illegally contacted by this business. None of those people are attached to a contract with me. This company is harassing members of my family across 2 states.

  

  Business Response

  Date: 11/22/2024

  
  November 22, 2024
  
  Better Business Bureau
  
  RE:     Complaint of Kara *****
             Complaint No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by **** ***** and received by us on November 22, 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 Purpose Financial account placed with our company for collections by the current creditor, ***** *********** ********, LLC on October 31, 2024.
  
  On November 1, 2024 our company emailed Ms. ***** the required Model Validation Notice (“MVN”) advising her that her Purpose Financial account was  placed with our company for collections. This MVN was emailed to [email protected] which is the same email address Ms. ***** provided as part of her complaint.  Follow up emails were sent to Ms. ***** on November 6 and November 14 requesting that she contacts us concerning this matter. 
  
  As we received no response from Ms. ***** in our attempts to contact her via email our company commenced skip tracing activities on November 7, 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. *****.  
  
  It is the position of our company that all collection activities have been performed in a lawful and compliant manner.  This complaint is the first contact we received from Ms. ***** regarding this account and the first time we were able to verify a correct telephone number for her.  Nonetheless, based on the request of Ms. ***** in her complaint, we have placed her account into a cease and desist status to ensure that no further collection efforts are undertaken by our company with respect to her account.  Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS 

  Customer Answer

  Date: 11/22/2024

  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:11/15/2024

  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.

  11/11/2025 1:28 pm This company called a place of business and asked not to call, then called my personal number and left a message. (Casey was their name) 11/15/2025 12:28 pm Casey again called a place of business (even though previously being told it was a business number). Casey them lied and said that was the only contact number she had. After reportingly asking if this was a collection company it was stated this was a business and you have been told this before, she hung up. Weirdly, I then receive a voicemail from Casey on my personal number. I am sure that this is a violation of the FCRA and is being tracked on my end.

  

  Business Response

  Date: 11/18/2024

  
  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by **** ******* on November 15, 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 collections by the current creditor, ********** **** ******** LLC. on October 18, 2024.
  
  On October 21, 2024 our company mailed Ms. ******* the required Model Validation Notice “MVN” advising her that this account was placed with our company for collections.  This MVN was mailed to the same address that Ms. ******* provided as part of her complaint,  *** ******** ****** **** **** ******* ******* *****.  The MVN we mailed to Ms. ******* was not returned by the USPS as being undeliverable.  Additionally, on October 22, 2024 our company emailed Ms. ******* the MVN to **************** which is the same email address that Ms. ******* provided as part of her complaint.  Additionally, follow-up emails have been sent to Ms. ******* on October 23, October 31 and November 8.
  
  As we received no response from Ms. ******* in our attempts to contact her via mail and email, we commenced skip tracing activities on November 7, 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. *******.  
  
  Ms. ******* in her complaint alleges that we called her place of employment more than once even after being advised not to call.  This is not accurate.  The two calls referenced by Ms. ******* in her complaint were made to 2 separate telephone numbers.  The first call made on November 11, 2024 was made to ###-###-####.  During this call we were advised by the person answering the call not to call there anymore.  As such, there have been no further calls made to this number.
  
  The second call referenced in Ms. *******’s complaint was made on November 15, 2024 to ###-###-####, a entirely different telephone number.  During this call the individual kept trying to get our employee to disclose the nature of our call to Ms. ******* which the
  employee refused to do.
  
  Ms. ******* alleges that she received a voicemail from one of our employees and that we had her telephone number.  Up until the time of receipt of this complaint, we did not have a correct, verified number for Ms. ******* and were engaging in lawfully permissible skip tracing activities to obtain a correct, verified number for Ms. *******. 
  
  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 is 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:11/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business has violated privacy laws and contacted people in my family that are not on my application

  

  Business Response

  Date: 11/13/2024

  Our company is in receipt of, and has reviewed, the complaint submitted by ******** ******** and received by us on November 12, 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 collections by the current creditor, ******** ********* LLC, on November 11, 2024. On November 11, 2024 our company commenced skip tracing activities in an attempt to locate a good contact number in which to speak with Ms. ********. We placed only one phone call on November 11, 2024.  The sole phone number we contacted was ###-###-####.  We would point out that this is the same phone number Ms. ******** provided your agency as being her phone number when she submitted this complaint.  When we contacted this telephone number on November 11, 2024 we were advised in no uncertain terms that this was not a correct phone number for Ms. ********.  There were no other calls placed by our company on this account other than this account.  We then received an inbound call on November 11, 2024 from ###-###-####.  Before we were able to complete our verification process, this call was terminated by the party calling us.  Other than placing one outbound call and receiving one inbound call from the number that we now know belongs to Ms. ********, there have been no other collection activities on this account. It is the position of our company that our limited collection activities have been performed in a lawful and compliant manner.  Nonetheless, based on the request of Ms. ******** in her complaint, we have placed her account into a cease and desist status to ensure that no further collection efforts are undertaken by our company with respect to her account.  Additionally, we have advised our client of this complaint. SPIRE RECOVERY SOLUTIONS 

  Customer Answer

  Date: 11/13/2024

  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 telephone number that was used on this complaint is the phone number your company used to contact me. I used this number because apparently that’s what they have my account under. This phone number does not belong to me and I DID NOT terminate the call. When I was given the message I called the phone number back and ask what was the call in reference to. The woman on the line kept said a business matter but what’s your contact number if this isn’t it. I continuously ask who was she representing and her response was what’s your contact phone number each time so I simply said “have a good day” and SHE disconnected the call. Be sure to keep me on the cease and desist list and do not contact me. If ******** need to contact me they can do so.  Regards, ******** ********

• Initial Complaint

  Date:11/08/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  outstanding debt that I owe. caller has been calling my family members and harassing them for my personal information.

  

  Business Response

  Date: 11/11/2024

  
  November 11 2024
  
  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 November 8, 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 Tab Bank account placed with our company for collections by the current creditor, ******** ***, on October 24, 2024.
  
  On October 25, 2024 our company emailed Ms. ****** the required Model Validation Notice (“MVN”) advising her that her Tab Bank account was  placed with our company for collections. This MVN was emailed to **************@gmail.com which is the same email address Ms. ***** provided as part of her complaint. Follow-up emails were sent to Ms. ****** on October 30 and November 7 requesting that she contacts us concerning this matter. 
  
  On October 28, 2024 our company commenced skip tracing activities 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. ******.  
  
  It is the position of our company that all collection activities have been performed in a lawful and compliant manner.  This complaint is the first contact we received from Ms. ****** regarding this account and the first time we were able to verify a correct telephone number for her.  Nonetheless, based on the request of Ms. ****** in her complaint, we have placed her account into a cease and desist status to ensure that no further collection efforts are undertaken by our company with respect to her account.  Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS 

  Customer Answer

  Date: 11/13/2024

  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:11/06/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Spire Recovery Solutions has been texting and calling phone numbers that are not my own, including my mother with information about a debt in clear violation of the Telephone Consumer Protection ACT (TCPA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA) and the Truth in Lending Act (TILA). By texting and calling these numbers they have disclosed that there is a debt to third parties who should not have been made aware of the debt. At this time Spire need to stop calling and texting third parties with my information or disclosing that I have a debt, they also need to mark it as paid in full as remedy for their blatant disregard for the law. As they have called and left voicemails for my mother not less than 6 times since 10/14/2024, and with FDCPA violations being $1,000 per infraction this adds up to $6,000 in fines just under FDCPA violations that SRS is looking at currently. They can mark the debt as paid in full and send me a check for the additional $2947.70 and we will consider this matter settled.

  

  Business Response

  Date: 11/07/2024

  Greetings:Our company is in receipt of, and has reviewed, the complaint submitted by ******* ********-***** and received by us on November 7, 2024. Spire Recovery Solutions (“SRS”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients. SRS 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 October 4, 2024. On October 8, 2024 our company emailed Mr. ********-***** a Model Validation Notice “MVN” advising him that this account was placed with our company for collections. This was emailed to ******************* which is the same email address Mr. ********-***** provided as part of his complaint.  Additionally on October 11, 2024 we mailed a copy of the MVN to Mr. ********-*****.  The MVN was mailed to **** * *** ******* **** ** ********** ******* ****** The is the same address Mr. ********-***** provided as part of his complaint and the MVN was not returned by the USPS as undeliverable.  Additionally, follow up emails were sent to Mr. ********-***** and on October 21 and October 30 requesting he contact us concerning this matter. As we received no response from Mr. ********-***** with respect to our attempts to contact him via letter and email, we commenced skip tracing activities in an attempt to locate a good contact number in which to speak with Mr. ********-*****. The first skip tracing call we made with respect to this account was made on October 24, 2024. 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 as well as the first time we were able to confirm a good telephone number for Mr. ********-*****.  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 Quick Credit account. Additionally, we have advised our client of this complaint.SPIRE RECOVERY SOLTIONS 

  Customer Answer

  Date: 11/07/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution, though incomplete, is satisfactory at this time. The company does need to review it's "Skip Trace" methodology to ensure it is not leaving message that contain phrases like "this is an attempt to collect a debt" on third party phone numbers they have not verified belong to the person in question. 

  
  Regards,
  
  ******* ********-*****
  
  
  
  

  
  

• Initial Complaint

  Date:11/04/2024

  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.

  This collection agency has called every imaginable relative I have, even relatives I haven’t talked to in months. I never gave out any relatives’ phone numbers and they are being harassed. I want the company to cease and desist all communication with me and my relatives. Now I’m being contacted by supposed process servers representing their company. The process servers are violating their code of conduct by threatening to have deputies go to my mother’s house. She doesn’t even live in the same state. They’re telling me “You better be home” “you’re going to regret this” in an angry mobster tone. It’s actually insane and has my family members worried. I can’t even file a real complaint against their servers they have representing them because they don’t say their name. Totally unprofessional and threatening.

  

  Business Response

  Date: 11/05/2024

  Greetings:Our company is in receipt of and has reviewed, the complaint submitted by ***** ****** and forwarded to our company on November 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 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 August 28, 2024 by our client ***** ******** LLC.   On August 29, 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 ***** ******** ****** ******** ***** ***** which is the same address Ms. ****** provided as part of her complaint.  This letter was not returned as undeliverable by the USPS.  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.  Follow up email requesting Ms. ****** to contact our company were sent to her on September 4, September 23, October 28 and October 29.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 September 13, 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. ******.   Since October 11 our company has made only three collection calls on this account.  These calls were made on October 11, October 18 and November 1 to the same telephone number of ###-###-####.  All of these calls were unsuccessful in reaching Ms. ****** to discuss her account.Ms. ****** in her complaint alleges that she was being contacted on our behalf by alleged process servers.  We have reviewed all collection notes and call logs made with respect to this account and we can state with certainty that our company has never had a conversation with Ms. ****** concerning this account.  Furthermore, Spire does not permit or condone our employees representing themselves as process servers 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.   We have received recent complaints where the consumers are mistaking our company for Summitt Recovery Services.  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

• Initial Complaint

  Date:11/04/2024

  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.

  This complaint is about debt collector harassment. Spire Recovery Solutions constantly spams me with phone calls, and has called family members at phone numbers that have no association with me on at least two occasions. I’ve made it clear that I only have one phone number and to stop harassing family members that they have no business calling. It’s incredibly inappropriate and gross behavior and I want to know if there is any legal remedy.

  

  Business Response

  Date: 11/04/2024

  Greetings:Our company is in receipt of, and has reviewed, the complaint submitted by **** ******** and received by us on November 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. Mr. ******** had a charged-off ********* account placed with our company for collection by the current creditor, ******** LLC on September 27, 2024. On September 27, 2024 our company emailed Mr. ******** a Model Validation Notice (“MVN”) advising him that this account was placed with our company for collections. This MVN was emailed to ************************* which is the same email address Mr. ******** provided as part of his complaint.  On October 7, 2024 our company mailed Mr. ******** the MVN to ***** ******* ******* ***** ****** ******* *****.  This letter was not returned as undeliverable by the USPS.  A follow-up email was sent to Mr. ******** on October 10, 2024 requesting that he contacts our company to discuss this matter. As we received no response from the letter and emails we sent to Mr. ******** we commenced skip tracing activities on October 24, 2024 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 and we not done in a nature to be considered harassment as alleged by Mr. ********. Additionally, during these skip tracing calls, we never disclosed to any third party why we were seeking to speak with Mr. ********. On October 30, 2024 Mr. ******** contacted our company through our consumer portal and requested that we stop contacting third parties regarding this matter.  As part of that request, Mr. ******** did verify his correct telephone number.  As we now obtained a verified contact number for Mr. ********, we removed all other telephone numbers associated with the account.  Unfortunately, due to a glitch in our software, two telephone numbers were not removed on October 30, 2024 and these numbers were inadvertently called on November 1, 2024.  Mr. ******** again contacted us on November 1, 2024 to make us aware that these numbers were contacted.  Upon becoming aware of this software glitch, we immediately removed these additional numbers from the account.  We sincerely apologize for any inconvenience caused to Mr. ******** due to this error.It is the position of our company that all collection activities were performed in a lawful and compliant manner and this issue was caused by an unintentional software error.  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

  Date:11/01/2024

  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 have been getting repeated back to back calls several times a day from Spire Recovery Services (SRS). This company has called my employer several times with harassing calls. My employer has ask them to stop calling. I want this company to cease and desist fromcalling and harassing me and my employer or I will hire an attorney.Thanks You ****** ******

  

  Business Response

  Date: 11/04/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ****** ****** and received by us on November 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 collections by the current creditor, ******** LLC, on September 27, 2024.
  
  On September 30, 2024 our company emailed Ms. ****** the required Model Validation Notice (“MVN”) advising her that her ********* account was  placed with our company for collections. This MVN was emailed to *******************.  Follow up emails were sent to Ms. ****** on October 10 and October 25 requesting that she contacts us concerning this matter.  On October 7, 2024 we mailed a copy of the MVN to Ms. ****** at *** ** ******* ******* **** *** ******** ******* **********.  This is the same mailing address Ms. ****** provided as part of her complaint.  This letter was not returned to us as undeliverable by the UPSP. 
  
  As we received no response from Ms. ****** in our attempts to contact her via email and regular mail, on October 24, 2024 our company commenced skip tracing activities 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. ******.  
  
  It is the position of our company that all collection activities have been performed in a lawful and compliant manner.  This complaint is the first contact we received from Ms. ****** regarding this account and the first time we were able to verify a correct telephone number for her.  Nonetheless, based on the request of Ms. ****** in her complaint, we have placed her account into a cease and desist status to ensure that no further collection efforts are undertaken by our company with respect to her account.  Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  Date:10/22/2024

  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'm requesting a cease and desist, this business has used different phone numbers and misleading actions to contact my family and work, and the business is not conducting itself like a legitimate organization. I have had no notice from this company via my phone #, email or mail. I have no collections or balances with this company. If the harrassment will not stop, I will contact our family attorney to deal with this matter.

  

  Business Response

  Date: 10/23/2024

  
  Greetings:
  Our company is in receipt of, and has reviewed, the complaint submitted by ***** ********* and received by us on October 22, 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 two charged-off ***** accounts placed with our company for collections by the current creditor, ******** ******** *****, on October 4, 2024.
  
  On October 7, 2024 our company emailed Ms. ********* the required Model Validation Notice (“MVN”) advising her that multiple ***** accounts were placed with our company for collections. These MVNs were emailed to ***********************.  We can confirm that the emails were received because on October 8, 2024, Ms. Blair opted out of receiving any further emails from our company
  
  On October 4, 2024 our company commenced skip tracing activities 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. *********.  
  
  It is the position of our company that all collection activities have been performed in a lawful and compliant manner.  Nonetheless, based on the request of Ms. ********* in her complaint, we have placed her account into a cease and desist status to ensure that no further collection efforts are undertaken by our company with respect to her multiple accounts.  Additionally, we have advised our client of this complaint.
  
  SPIRE RECOVERY SOLUTIONS