Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
Repeated, Invasive International Harassment of XXXX. Shocking Invasion of Privacy and Coercion via XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : On or about XX/XX/XXXX, your agents located and called the MOTHER of my homeowneran elderly woman over XXXX years of XXXX her number using this number XXXX, demanding information about me and then proceeding to leave a message for me with her. I have absolutely no professional or personal relationship with this individual regarding my finances and I had no clue prior to this of my situation in which she then proceeded to tell the homeowner who then told my father in law and then texted me! This action is the definition of a pressure tactic designed to coerce me through public humiliation and collateral damage to innocent third parties. This is an utterly indefensible and predatory collection method. 
XXXX. My XXXX XXXX XXXXXXXX XXXX XXXX XXXX : I acknowledge providing my mother 's number months ago, but your company, XXXX XXXX XXXX, repeatedly called her international number in XXXX and sent her an email ( dated XX/XX/XXXX ) disclosing my financial status after already sending her an email about the exact same debt balance and information and calling her prior ( dated XX/XX/XXXX ). Then proceeded to contact me by calling and emailing as well a few days after. You were explicitly aware of my extreme financial hardship and my attempts to seek debt consolidation or income to pay. Despite this, you consistently targeted an unrelated, vulnerable third party, causing immense stress and emotional duress, rather than communicating directly with me or my consolidation agent. 
XXXX. Willful Disregard for Cease-and-Desist as well as Negotiation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I issued a clear Cease-and-Desist instruction to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX through my debt consolidation and directed you to communicate only with the debt consolidation company I was engage in a month prior. Your refusal to acknowledge or respect this request, followed by immediately transferring the debt, was a deliberate attempt to reset the clock on my legal protection and continue harassment! 
Consistently Changing numbers : XXXX XXXX XXXX  did this numerous times. Sometimes calling within less than the required time frame asking me the same thing after I repeatedly told them I dont have the money and was looking to consolidate somehow with them or remove debt which was XXXX of my last recorded conversations on their line. Then on XX/XX/XXXX, the new debtors XXXXXXXX XXXX XXXXXXXX XXXX called stating they didnt get the transferred information on debt consolation and settlement process which was in FACT sent to them from within the month of XXXX. Now XX/XX/XXXX : Another number called asking for the debt but it has brought paranoia with continuing the harassment. The more recent use and countless prior instances of a different number for debt demonstrates a clear tactic to bypass call blocking and evade detection while fully aware that I am engaged in a debt consolidation process.

Company response to consumer: Closed with explanation