United Recovery Systems

On February 14th 2011, I was contacted by Brian ** with United Debt Recovery Systems regarding an outstanding credit card debt that I had with Capital One. Due to the loss of my job and my husband's, we fell behind on payments. After contact with Brian regarding the debt, I agreed to set up a payment arrangement at the lowest amount possible due to the fact I was the only one working. The amount was to be $135.57 a month with 0% interest. I agreed and made my first payment that day. From that point further, I had it taken out of my bank account every month. In July, when I got my statement in the mail from Capital One showing that I had barely paid anything off due to not having a 0% interest, I was very upset and called my representative back Brian ** and asked him why he had not honored what we talked about. He then said he didn't realize that was the offer but would add 0% interest on from that point forward but could and would not back date the change of interest. So I went on making my monthly payments.

On December 24th 2011, I got my six-month statement from Capital One showing that once again the 0% interest had not been applied. I called livid at this point as in 10 months I had made $1355.70 in payments and only $300 had gone to paying down my principal when at this point all of it should have been applied to my principal. I received a return call from Brian ** on 12-26-2011 which at that time he apologized for the mistake and said Capital One forgot to apply the 0% interest but there was nothing he could do. He did offer to settle with me at $4100 and allow me to make monthly payments on it at 0% interest until paid off. I refused and said, "No. You messed this up before I don't want to do it again." I informed him that I just wanted to pay it all off in February and be done. He said, "Well, if you call back in February and offer $2800 in full, we will take the payment and show it as a charge off settled on your credit and you will be done with us." He agreed to email me the paperwork. At that point, I hung up and thanked him. After not receiving the paperwork, I called multiple times to Brian with no avail at speaking with him.

I then on 2/13/12 called United Recovery Systems and asked to talk with Brian ** and was informed that he was out but Ashley could help me. After not being of much help, she put me on with another Bryon and then he put me on with a manager named PJ ** who belittled me and said that Brian ** made no notes on my account about anything and that it was my word against his. After getting upset and ending the conversation frustrated, I called back 20 minutes later and spoke with a Stacey, Bryon ** and then was transferred to another manager named John ** who made me feel the worst basically laughing at me refusing the help me or call Capital One with my offer of $2800 as it was a joke and he would not even entertain an offer of that amount and that Brian has no authorization to settle accounts.

After a long conversation with him with no help at all, I called Capital One and filed a complaint and was told that an email would be sent to their liaison who would in turn contact me. I have not heard back. I called this morning, 2/14/2012, and spoke with John ** again who still would not work with me offering me $3600 by 5 pm central standard time or the offer would be off the table and that would be it. No more offers. I offered him $3200 as that was all I could borrow and he just laughed again and refused to call Capital One and see if they would accept. They are a bunch of liars and cheats and do not care about who they are trying to help. They don't make notes, don't do as they say and refuse to help you even though you are trying to pay them back.

In 2007, I lost my job due to illness. As a result, a credit card went to collections. I set up a payment program with the credit card company, American Express, with a collection agency, United Recovery Systems. This bad debt racked havoc on my credit rating. American Express would report the debt every month as if I was not making payments. This practice kept my rating low.

When I reported this practice to the Credit Bureaus, the practice stopped and my rating improved almost 100 points. Recently the company and the collection agency started another practice. The collection agency will hold the money they collect for one month before submitting it to American Express. Now American Express is reporting me as not paying on the agreement timely when in fact I'm paying monthly--the company is just holding it for 60 days. Is this practice legal?

In 2007, I lost my job due to illness. As a result a credit card went to collections. I set up a payment program with the credit card company. American Express - with a collection agency - United Recovery Systems. This bad debt racked havoc on my credit rating. American Express would report the debt every month as if I was not making payments. This practice kept my rating low. When I reported this practice to the Credit Bureaus, the practice stopped and my rating improved almost 100 points.

Recently, the company and the collection agency started another practice. The collection agency will hold the money they collect for one month before submitting it to American Express. Now American Express is reporting me as not paying on the agreement timely when in fact I'm paying monthly - the company is just holding it for 60 days. Is this practice legal?

I received a call from United Recovery Systems this morning. The woman informed me that she needed to discuss personal information with me and wanted to verify my name and address. I refused at first, but eventually gave her my name and address. She then asked for the last four digits of my social security number. I informed her that I do not give that information out over the phone to a total stranger who called me. She then asked for my birth date. I refused to give that also. She persisted, saying she had the information in front of her, she just needed me to verify it. I still refused. Finally, she asked if my birth date was this specific month, day, year. I said "no, sorry" and hung up.

I decided to do some research on the company as the call made me feel uneasy. Now that I know more about them, I am sorry that I gave her my name and address. I am hoping that I didn't provide them information with which to harass me. I happen to know my finances very well and know that there are no outstanding debts. I hope that placing this entry here will help someone else in the future. Do not verify anything for these people. It screamed "scam" to me.

It appears that American Express hired these folks for a less than $700.00 debt, which I was paying $50.00 per month on via web bill pay from my bank. This company begins calling at all hours of the day, and night. I contacted American Express (who I will never do business with again) to see what is going on, and they inform me that my account is in collections. I still do not know why. This company wants to set up a bank deduction each month. I agree to set it up for a certain date, when I know that there will be money in there, but they take it out before it is in there, and not the agreed upon amount.

These people are useless to deal with. They say they record our conversations but then can't do anything about the transactions when they know that they are wrong. I may go into bankruptcy to get these blood suckers off of my behind.

They say I owe a collection from BMG Music Service, and it has showed up on my credit report. I completed my contract with BMG. And sent back the additional CD's that they kept trying to send me. After I let them know that I did not want any more in 2004. They call at all hours of the day, and night on my cell phone, and home phone. The most recent was 3:30am this morning.

I received a letter that I am in collection for an American Express credit card in the amount of $487.83. I have never had or applied for an American Express card. I talked to Mrs. **** and told her that I never had an AMEX credit card and I wanted a copy of the original application and a list of charges on this account. She told me to fax the letter and request the information that I wanted so I did. About a week later, I received a standard agreement form letter from American Express and none of the information I requested. I have called and left messages but with no response.

This company is been calling my home for months asking for Kenneth H. I don't know who that person is and I told them I am the only one living in this place and please stop calling me. They didn't! They call many times a week and they ask for Kenneth and I have no idea how they got my number. Clearly that Kenneth gave him some number of the phone book and so it happens it had to be mine and they harassing me with calls.

It is very stressfull to stay home when they keep calling me 5 times a day. Weekends , early in the morning all that time. I asked them many times please do not call me my name is Agnieszka not Kenneth and I am the wrong person they are looking for.

December 01, 2008

To whom it may concern:

I made a settlement on a car loan that I purchased in 02/26/07. My loan was originally with Capital One Auto account 3692899 for $13,300. It took my auto insurance a year and half to settle on this claim they settled at $12,646.83. After a year of late fees, etc the balance came to $16,664.71. However, when I spoke with Judith Jones at United Recovery systems-URS (888-593-8405 X 2088,) and I explained the situation honestly of what happened with the claim. Judith stated no problem lets settle at $11,000.

She recorded the conversation to settle the total debt at $11,000. Then, Judith stated, The rest would be written off as bad debt and would credit in 30 days from payment?. I mailed the check certified and it has been cashed. Judith Jones with URS stated, to me that this would settle my account at 100%, and I had nothing to worry about it would be a done debt.

Unfortunately, today I received a notice from a different collection agency on 12/01/08 from Northstar Location Services (866-610-2729 acct # 3692899) I spoke with Mr. Farrell a supervisor of the company, and he said that this debt is not settled and was transferred to that office 1 month ago from United Recovery System (URS). He stated, ?I still owe $5644.71?. He didnt try to resolve this issue, and didnt even want to try to get the bottom of this situation. He just told me to pay the difference of the debt that I settled with URS on 10/02/08. Is that even moral?

As you can see this is very frustrating since I settled this balance with United Recovery Systems. Now, I guess Im going to have to contact an attorney and pay out fees that I dont have. Especially, since the economys troubled times its hard for everyone.

I hope that some one with the knowledge and expertise can get this account resolved quickly. Im really tired of fighting this debt that was resolved on 10/02/08 with URS. Just as I thought it was taken care with one creditor the balance is transferred from URS to another creditor. What? Another creditor This was resolved right?

In addition, when I called United Recovery System they wouldnt talk to me because the account was transferred to Northstar. I called Capitol One they wouldnt talk to me either because it was in collection. Help! Why was this settled when it really wasnt settled?

Im a single mother on a fixed income. Im driving a 1990 Oldsmobile. A one bedroom apt for my son and I is not living the high life by any means. This is going to force me to go into bankruptcy. Is that what you want?

Is capitol one a dishonest company or is it the collection agency that Capitol One Auto hired to collect their debts the dishonest ones. I understand collection agency have to be firm, consistent, and annoying, but not liars. Is this an issue with the agency or capital one? No one can give me any answers. I need help with this please some one help me resolve this debt that was taken care of on 10/02/08 with United Recovery System.

I appreciate your time to read my concerns about a settled debt that I took care of on 10/02/08 for $11,000 with United Recovery System.

Please help me get this resolved, so we can all move on with our lives. You can contact me at **********. I I hope to hear from some one soon with answers.

Thank you,

Jennifer *****

This debt collecting agency contacted me several times asking for someone who has never been reachable at my number. When I contacted them, I found that they had my address as well, but a different apartment number. The person they were looking for once lived in another apartment in my building. They did a reverse lookup using the address they had for the person and got my phone number. Can this possibly be legal? They didn't even have the correct apartment number. Are they harassing everyone in the building?