A woman identifies herself as Kelley or Investigator James with Rapid Recovery. She say there is case against you from Ace Title Loans and for you to call her back before she releases the case to the state attorney's office. When you ask her questions, she becomes belligerent and argumentative, demanding that you listen to her. She also states that she plans to turn you over to the state department for refusing to pay a title loan to Ace Title Loans. She claims with additional information she can retire the entire loan. Disputing the alleged debt does no good. I told her I was recording the conversation and she put me on hold and never came back. This person is a fraud.
INVESTIGATOR JAMES WITH RAPID RECOVERY WAS VERY HELPFUL IN HELPING ME TO RESOLVE MY SITUATION WITH ACE TITLE LOAN. SHE WAS VERY PATIENT AND WILLING TO WORK OUT A SHORT TERM PAYMENT PLAN WITH ME. MY CASE IS NOW RESOLVED AND I CAN MOVE ON WITH MY LIFE. SHE WAS ALSO VERY PROFESSIONAL AND MADE SURE I RECEIVED ALL OF THE APPROPRIATE DOCUMENTATION TO CLOSE OUT MY CASE.
Please give us more information about "Rapid Recovery". Include their physical address and website.
Y'see, the only "Rapid Recovery" I could find via Google was a refrigerant recovery service or a towing company.
If you do not supply the requested information, we can then successfully assume your post is merely one by a shill for that supposed company.'
Lurkers:
A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
The phone call was very harassing from this phone number. They said they were from Rapid Recovery however I Googled Rapid Recovery and spoke to a representative who told me they did not recognize the phone number which was out of IL. Rapid Recovery has received multiple calls with complaints of scenarios like this however, it is someone using their name trying to scam innocent people. If you receive a phone call from this number beware! Do not give them any of your personal information. They must provide you with proof of the debt and it has to be mailed through the US Postal Service within 30 days. These people threaten to go your place of employment and state that they have a warrant out for your arrest. They somehow have bits and pieces of your personal information to make their claim sound legitimate. It is a ploy to scare you and scam you into paying them money via credit card.
They called stating i owe $500 which i do not. They also somehow got my sister in law number and called her asking for me. I asked for something in writing (validation) they refused. They got very belligerent and hung up. These ppl are scams!!÷