Consumer complaint received 2018-02-17
Company: Recovery Solutions Group, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
THE ORIGINAL LOAN WAS WITH XXXX, I DID FAIL TO PAY AND IT WAS REFERRED TO COLLECTION AGENCY IN WHICH I WAS TRYING TO NEGOTIATE A PAY DOWN OR LOWER AMOUNT TO PAY OFF - WE WERE GOING BACK AND FORTH AND THEY OF COURSE DIDNT WANT TO ACCEPT MY OFFER AND I DIDNT WANT TO ACCEPT THERE OFFER OF XXXX I ASKED FOR A REVIEW WITH SUPERVISOR OF COLLECTION AGENCY SEE IF APPROVAL OF MY OFFER COULD BE HONORED. NO RESPONSE, NEVER GAVE ACCOUNT INFO, NOR DID I AGREE ON AN AMOUNT, AND NEVER DID I AGREE TO HAVE MY ACCOUNT DEBITED, AND I NEVER GAVE MY INFO TO COLLECTION AGENCY BUT ONLY TO THE ORIGINAL COMPANY WHEN I GOT THE LOAN, SO THEY TOOK THE INFO FROM ORIGINAL COMPANY XXXX XXXX AND DEBITED MY ACCOUNT FOR XXXX WITHOUT MY CONSENT, THEY SAID IT WAS A MISTAKE BUT IT DOESN'T SEEM THAT WAY, HOW DO YOU MAKE A MISTAKE ON DEBITED SOMEONES ACCOUNT FOR XXXX AND I DIDNT EVEN HAVE THAT AMOUNT IN MY BANK ACCOUNT. ____EMAIL CONVERSATIONS BELOW ... 
I have to do something on this or they will want the full balance. No payments have been made images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : RE : No Response Threat of Action I JUST CANT DO THAT MUCHXXXX AND  IM READY TO PAY From : XXXX [ mailto :  XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : 'XXXX XXXX ' Subject : RE : No Response Threat of Action The client will not settle this for any less than {$4200.00} because apparently you only paid {$500.00} towards this whole balance. 

Please give me an update images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : Re : No Response Threat of Action whats the min. for the settlement From : " XXXX '' XXXX To : 'XXXX XXXX ' XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX Subject : RE : No Response Threat of Action Please get back to me, you never called me back the other day. 



Thanks! 



images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : RE : No Response Threat of Action XXXX XXXX, WILL BE ABLE TO PAY, WORK WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX - XXXX Ohio ( XXXX ) XXXX - XXXX XXXX ( XXXX ) XXXX - XXXX Office Fax ( XXXX ) XXXX Electronic Fax XXXX XXXX From : XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : 'XXXX XXXX ' XXXX Subject : RE : No Response Threat of Action Can you pay half by the end of this month? I have to know something images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : No Response Threat of Action i just need time, the money is going to be late XX/XX/XXXX, please just hold out From : " XXXX '' XXXX To : 'XXXX  XXXX ' XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX Subject : RE : No Response Threat of Action I NEED AN UPDATE ON THIS AND ARRANGEMENTS PLEASE I CAN SETTLE THIS FOR XXXX IF YOU CAN DO A LUMP SUM THIS MONTH images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : No Response Threat of Action can i do installments on the settlement, otherwise i would be able to pay the settlement on XX/XX/XXXX infull From : " XXXX '' XXXX To : 'XXXX XXXX ' XXXX Sent : Monday , XX/XX/XXXX XXXX XXXX  Subject : RE : No Response Threat of Action Sorry we were closed Thursday due to all the snow we received. I was off Friday for my bday. 

Are you able to talk today. I just tried to call and I left a msg. 

Thanks, XXXX images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : Re : No Response Threat of Action Will they let me do installments on the settle Sent from XXXX Mail for XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX, XXXX wrote : I need it asap or something before the end of the month. Let me know. 



images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : RE : No Response Threat of Action Ok that's reasonable now how long can you give me to pay that Sent from XXXX Mail on XXXX On Wed, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote : THAT IS WHAT I CAN SETTLE FOR {$3700.00} YOUR BALANCE IS {$8300.00} images XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX , DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : No Response Threat of Action We make no money unfortunately what is your settlement offer lets get serious please Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, XXXX wrote : I also need to know why you want to settle this balance. Your business is still open and active. 















XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX -- -- -Original Message -- -- - From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : RE : No Response Threat of Action Ok XXXX to settle XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX ( XXXX ) XXXX - XXXX Ohio ( XXXX ) XXXX - XXXX XXXX ( XXXX ) XXXX - XXXX Office Fax ( XXXX ) XXXX - XXXX Electronic Fax XXXX XXXX -- -- -Original Message -- -- - From : XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : 'XXXX XXXX ' Subject : RE : No Response Threat of Action You have a total amount due of {$8300.00}, yes there are fees included. But based on the amount of the principle that was still owed. I can not settle this for that low of an amount. You were to have paid back in 146 daily payments of {$140.00} plus any other incurred fees per the agreement. You didnt pay 46 of those payments which in itself alone is {$6100.00} not counting the default fees. I would like to resolve this. But it has to be reasonable. 















XXXX XXXX XXXX Senior Director of Litigation Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Office ( Direct ) XXXX Fax XXXX -- -- -Original Message -- -- - From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : RE : No Response Threat of Action Ill settle for XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX ( XXXX ) XXXX - XXXX Ohio ( XXXX ) XXXX - XXXX XXXX ( XXXX ) XXXX - XXXX Office Fax ( XXXX ) XXXX - XXXX Electronic Fax XXXX XXXX -- -- -Original Message -- -- - From : XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : No Response Threat of Action Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX , DE XXXX Phone : XXXX Fax : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TX XXXX CLIENT : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : XXXX CLIENT ACCOUNT # : XXXX In spite of numerous requests for payment, your account remains seriously delinquent. 



Over the next ten ( 10 ) days a decision will be made as to which of the various collection alternatives should be initiated to recover our client 's funds. As perhaps you are not aware, legal action is one of these alternatives. In order to avoid this type of action you should remit the full balance immediately. However, any payment plan other than the balance must be discussed with this office. 



Please take notice that unless we receive the full balance within ten ( 10 )  days of the date of this letter, or unless we can agree to an alternative payment proposal, ACTION MAY BE BROUGHT AGAINST YOU WITHOUT FURTHER NOTICE.To make a payment online, please visit www.rsgcollect.com/payment. 



Yours Truly, XXXX XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation