Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC
State: WI

Complaint narrative:
XX/XX/XXXXXXXX/2025 Forest Recovery Services, L.L.C XXXX Account # XXXX I had the following conversation with the unknown speaker at Forest Recovery Services. The conversation went as follows with the unknown speaker : Unknown Speaker I'm showing pending complaint against XXXX XXXX, last, four, social, XXXX, Unknown Speaker okay. And what is this about? 

Unknown Speaker And who am I speaking with? This is XXXX XXXX, Unknown Speaker okay, Unknown Speark and as far as what it's pertaining to, the phone call was to verify location at XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX. Those were process servers who made the phone calls, not us to verify for a certified notice being delivered requires signature. There's been a couple failed attempts over the past week. I'm assuming you're busy between XXXX and Me ( XXXX ) XXXX, yes, so if they come, if they come, if, literally, if they come after XXXX, you're not Unknown SpeakeXXXX aware of the pending complaint against you. Ma'am, no, what's the code? We would have mailed a notice to you. Give me a brief hold, and I'll Be right back with You. Okay. Okay. I Unknown Speaker All right, XXXX XXXX, yes, Unknown Speaker you're being pursued for an open balance you left with XXXX XXXX Bank. Total is {$5400.00} a {$5400.00} there's a notice mail to you in XXXX at the residence. We have on file for you. XXXX XXXX XXXXXXXX XXXX. This debt also went through collections for a cycle for years. Once they went delinquent. Unfortunately, it was reported as non responsive refusal to pay. The complaint filed, complaint. 
Me ( XXXX ) XXXX XXXX. Is this, you know what? Matter of fact, I filed a complaint. 
Me ( XXXX ) Is this through a collection agency? 

Unknown Speaker No, we're the recovery firm. There's a bit of a difference. We're not asking you for anything. The attorneys are presenting paperwork once they have audience with the judge to recover the balance. On their terms, they're going to file for a default judgment. Now you can XXXX this, XXXX, it whatever you like. It's typically everywhere you were neglecting. Hello, I'm explaining to you. We're not stopping, no, I'm just giving you the information. This isn't customer service. I'll disconnect the phone call. Either you want the information or you want to argue which takes place in front of a judge, so once again, the attorneys are petitioning for a bank, I'm sorry for a property lien, and they're just going to take the balance out of the equity of your home. Okay to present the contract statements to go ahead and tie this to your social XXXX, if you have any disputes, you have to wait to be served. File response with an attorney 3090 days ago, when you received the settlement statement, you didn't respond to that notice the first 30 days, I did Unknown Speaker not receive it Unknown Speaker in XXXX, in XXXX, you don't remember seeing the notice at all, because here 's here 's the issue with your statement, okay? And I'm not saying that you're the same, but 90 % of defendants say the same. Thing I never heard about this was it notified properly. I don't know what this is. It's not mine, but it's simply just not a defense for you, because the paperwork shows otherwise. Okay? Now, if you're saying that the collection agencies didn't notify you properly. Maybe they didn't. They're only authorized to communicate via last known phone number or address that was on file. If you never communicated with the company to update that information, they're strictly regulated to only communicate with authorized changes human they bank on this to get the default judgment against you to show that you neglected their notifications, even if you are the client, disconnected phone number, that's your problem, not theirs, because you never updated the information you as a consumer. That's your responsibility to let them know how to be contacted, unfortunately, but they bank on this so they can get the default judgment to show that you've been neglecting this running from it. That's how they present it in Me ( XXXX ) court. Okay, what's that you said? Is through XXXX XXXX. Yes, I'm sorry what you said. It's through XXXX XXXX, Unknown Speaker yes, you're going to run try to call XXXX XXXX, but they're not going to have information for you. Every person I get it, but I'm going to do it's through XXXX XXXX, yes. What's the count number? What's What's your next question? See, there you go. You're playing information for you because once it leaves their office and goes to collect, yes, because I know, because you're like every typical person trying to weasel out of this, you're just a typical piece of garbage that's trying to find an excuse out of taking responsibility for your actions. It's very unfortunate you can contact XXXX XXXX, they won't have information for you unless you have a current account with them. Once the account goes delinquent and goes to collections, all the information leaves their office for you, and then they surrender that information through us, the collection agencies, so we can pursue you and present it in court as evidence against you. But hey, you know everything you can go ahead and do what Unknown Speaker you want what is left.

Unknown Speaker then hung up the phone on me. 

Participants : XXXX XXXX ( Me ) Unknown Speaker ( alleged debt recovery agent ) Summary : Purpose of Call : The caller claimed there was a pending complaint against XXXX XXXX regarding a debt owed to XXXX XXXX for {$5400.00}. 
Verification Attempt : The caller stated process servers attempted to deliver certified documents requiring a signature at XXXX 's address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ) but failed due to her unavailability during the day. 
Alleged Debt Details : o Originated from a XXXX XXXX account. 
o Has been in collections for several years. 
o The caller said it went unresolved and was marked as non-responsive/refusal to pay. 
o A notice was allegedly mailed in XXXX. 
XXXX XXXX Response : o Denied knowledge of the debt or receiving the notice. 
o Asked whether the call was from a collection agency. 
Unknown Callers Behavior : o Claimed they are a " recovery firm, '' not a collection agency. 
o Asserted that attorneys are pursuing a default judgment and potentially a property lien.

o Said Me-XXXX would need to respond through legal channels once served. 
o Became hostile and verbally abusive, calling Me-XXXX a `` XXXX XXXX XXXX XXXX  '' and accused her of trying to " weasel out '' of responsibility. 
o Eventually hung up on her. 
________________________________________ Notes : The caller 's aggressive tone, lack of clear identification, and refusal to provide full verification ( like account numbers or firm name ) strongly suggest this could be a scam or abusive collection tactic. 

Keep in mind I never received any notifications from Forest Recovery Services and XXXX/25 was my first time hearing of this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation