Complaints

This profile includes complaints for Everest Receivable Services Inc's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Everest Receivable Services Inc

  2351 N Forest Rd Ste 100 Getzville, NY 14068-9902

  
• 

  Everest Receivable Services Inc

  Suite 112 depew, NY 14043

  
• 

  Everest Receivable Services Inc

  5165 Broadway Ste 112 Depew, NY 14043-4012

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is calling relatives of the person in regards to collecting a debt. I believe this is illegal. Coercion and Fraud. This company need to be investigated and banned

  

  Business Response

  Date: 05/19/2025

  
  Everest Receivable Services, Inc., has received the above referenced complaint, which has been forwarded
  for investigation and response. As 1 do not know the relationship between ******* *****, whom we were
  trying to contact and Ms. *****, I cannot discuss the reason for the call.
  As we did not have a confirmed good number for ******* *****, we contacted others for location
  information only, which is allowed by law.
  We apologize to Ms. ***** for any inconvenience.
  Thank you for the opportunity to respond to this matter. n
  Sincerely,
  Chief Compliance Officer

• Initial Complaint

  Date:03/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has reached out to my children by calling them on their personal cell phone and asking to speak to me. I have never listed my children on any thing financial. They are harassing my children. I am not familiar with this business and have never done business with them

  

  Business Response

  Date: 04/07/2025

  
  Everest Receivable Services, Inc., has received the above referenced complaint, which has been forwarded
  for investigation and response. To clarify for Ms. *********-****, Everest Receivable Services, Inc.
  (Hereafter, "ERS") is a licensed debt collector. ERS is contracted by *** **********, LLC. (Hereafter,
  "Client") to collect on various delinquent accounts.
  As all calls are recorded, 1 have reviewed the calls made on Ms. **********-****'s account and at no time
  was any information about the debt provided to anyone that was contacted. As we did not have a confilmed
  good number for Ms. *********-****, we contacted others for location inforniation only, which is allowed
  per the Fair Debt Collection Practices Act (FDCPA).
  In regard to the account, it is a **** / ******** ***** ******** ********* account ending in 8013, Ms.
  *********-**** opened on 0111 112023 and was charged off due to delinquency on 01/19/2025 with a
  balance of $83 19 An email from ************ informing Ms. *********-**** of the same is attached to
  this response.
  We would like to help Ms. *********-**** finalize resolution on her account; she can contact our office at
  ###-###-#### as we have placed the account 011 hold based on the complaint received. We apologize to
  Ms. *********-**** for any inconvenience.
  Thank you for the opportunity to respond to this matter.
  Sincerely, David J. M*****
  -
  Chief Compliance Officer
  

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has been calling me and my family nonstop with asking about a debt. I called them back and asked them to stop contacting my family because we were going through a hard time because of my husband was in accident, and we are down to one income. I was transferred to Brian which he stated that my account will be going on my credit report. I don’t take to kind to threats. I understand money is owed apparently, but harassing my family and asking me can I ask them for assistance my family members ignoring basically what I just told him. I have had enough and seeking legal involvement.

  

  Business Response

  Date: 04/02/2025

  
  Everest Receivable Services, Inc., has received the above referenced complaint, which has been forwarded
  for investigation and response. To clarify for Ms. *****, Everest Receivable Services, Inc. (Hereafter,
  "ERS") is a licensed debt collector. ERS is contracted by *** **********, LLC. (Hereafter, "Client") to
  collect on various delinquent accounts.
  As all calls are recorded, I have reviewed the calls made on Ms. *****'s account and at no time was any
  infomiation about the debt provided to anyone that were contacted, other than Ms. *****. As we did not
  have a confirmed good number for Ms. *****, we contacted others for location information only, which is
  allowed per the Fair Debt Collection Practices Act (FDCPA).
  When we finally had a conversation with Ms. ***** on 2/25/2025, as requested we removed all phone
  numbers with the exception of hers and she setup a payment plan to resolve the account. Unfortunately,
  the second payment declined that would have resolved her account.
  We would like to help Ms. ***** finalize resolution on her account; she can contact our office at *******-
  **** as we have placed the account on hold based on the complaint received. We apologize to Ms. *****
  for any inconvenience.
  Thank you for the opportunity to respond to this matter.
  Sincerely,
  Chief Compliance Officer

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  this debt collector has been calling and harassing me and my family members and disclosing information to my family in regards to a “debt” I supposedly owe with them. I need them to stop calling me and anyone that they think may know me. If they keep calling anyone I know and disclosing this information to them I will need to take legal action. I cease and desist them from calling me or anyone related to me in regard to this “debt”.

  

  Business Response

  Date: 02/25/2025

  
  Dear **** and Ms. ****,
  Everest Receivable Services, Inc., has received the above referenced complaint, which has been forwarded
  for investigation and response. To clarify for Ms. ****, Everest Receivable Services, Inc. (Hereafter,
  "ERS") is a licensed debt collector. ERS is contracted by DNF Associates, LLC. (Hereafter, "Client") to
  collect on various delinquent accounts.
  As all calls are reported and recorded, 1 have reviewed the calls made on Ms. ****'s account and at no
  time was any information about the debt provided to the 2 people that were contacted, other than Ms. ****.
  As we did not have a good number for Ms. ****, we contacted others for location inforn~ation only, which
  is allowed per the Fair Debt Collection Practices Act (FDCPA.
  When we finally had a conversation with Ms. ****, she became vely argumentative and combative on the
  call and the agent terminated the call. Februaly 18'" was the conversation with Ms. ****, and that was the
  last time any communication was made on the account.
  We have closed and returned his account to our client. We apologize to Ms. **** for any inconvenience,
  and we hoped we could have helped her resolve her outstanding balance.
  Thank you for the opportunity to respond to this matter. Please contact our Client DNF Associates LLC. at
  ###-###-#### if there is any further assistance needed.  David J. M*****
  Chief Compliance Officer

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  2/6/2025 Amount totaled “just under $5000” according to the collector. He threatened that they would just go get the couch I purchased on the credit line provided by another company that they purchased the debt from since I only made a few payments. I told him it’s an unsecured debt and they have no legal right to do so, and that I’ve read all the terms and conditions from the original creditors’ website. He also threatened to cancel current manufacturer warrantied repairs the original company has already agreed to. My wife informed me he called her 4 different times at work today as well, and threatened her with multiple types of legal action too, also including repossession. He stated that they record all phone calls so there is proof of legal violations.
  
  Due to these multiple violations of FDCPA, including harassment, illegal threats, unfair business practices, and tortious interference, it is only right to further accommodate any type of settlement to achieve resolution. Instead of seeking legal action for statutory damages and emotional distress, I would rather them either delete the debt or provide a settlement proposal for no more than 20% of the total debt amount. The settlement proposal should also include an option to spread over 6 monthly payments. Anything less than this resolution would be considered unsatisfactory for the committed grievances.

  

  Business Response

  Date: 02/14/2025

  
  Everest Receivable Services, Inc., has received the above referenced complaint, which has been forwarded
  for investigation and response. To clarify for Mr. ******, Everest Receivable Services, Inc. (Hereafter,
  "ERS") is a licensed debt collector. ERS is contracted by *** Associates, LLC. (Hereafter, "Client") to
  collect on various delinquent accounts.
  As all calls are recorded, I have reviewed the 2 calls on February 6 "' as Mr. ****** has advised, at no time
  any threat of suit as ERS does not sue accounts. Mr. ****** was advised on a few arrangements and issues
  he may be affected by with utilizing a debt management company "****** *******". The agent advised
  Mr. ****** of an extremely reduced settlement, which Mr. ****** refused to take advantage of and stated
  he would just stay with the Debt Settlement company.
  Both calls were very pleasant and positive conversations between both parties. I have concluded at the my
  investigation that the complaint allegations by Mr. ****** are not valid.
  We have closed and returned his account to our client. We apologize to Mr. ****** for any inconvenience,
  and we hoped we could have helped him resolve his outstanding balance.
  Thank you for the opportunity to respond to this matter. Please contact our Client *** Associates LLC. at
  ###-###-#### if there is any further assistance needed.
  Chief Compliance Officer

• Initial Complaint

  Date:01/27/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been contacted by Everest regarding a debt, we originally came to an agreement on payments, however, the conversation sparked interest and I looked deeper into the debt. There are multiple errors and I am having this investigated by the credit companies. I emailed Everest to let them know that this debt is disputed. Since this I have been contacted by email and phone numerous times, usually while at work. I would like them to cease contact with me. Furthermore, I have not gotten anything in the mail regarding this debt which I do believe they have to send something before trying to collect.

  

  Business Response

  Date: 01/31/2025

  
  Everest Receivable Services, Inc., has received the above referenced complaint, which has been forwarded
  for investigation and response. To clarify for Mr. ******, Everest Receivable Services, Inc. (Hereafter,
  "ERS") is a licensed debt collector. ERS is contracted by DNF Associates, LLC. (Hereafter, "Client") to
  collect on various delinquent accounts.
  We requested documentation from DNF Associates in regard to Mr. ******'s claim of dispute and errors.
  Please find the attached statement showing the original purchase from ******** **** ******, The Charge-off
  statement and several statements showing payments made to ******* * **** *******
  I have also attached the first email sent to Mr. ******, The initial demand Notice to which in fact he opened
  and reviewed. There were several other emails sent to Mr. ****** and he also logged into our website to
  review his account.
  We have closed and returned his account to our client. We apologize to Mr. ****** for any inconvenience
  and hoped we could have helped him resolve his outstanding balance.
  Thank you for the opportunity to respond to this matter. Please contact our Client DNF Associates LLC. at
  ###-###-#### if there is any further assistance needed.
  Chief Compliance Officer
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 01/31/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  **** ******
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:01/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This debt collector has been calling and harassing me and my “family” members and disclosing information to my family in regards to a “debt” I supposedly owe with them. I need them to stop calling me and anyone that they think may know me. If they keep calling anyone I know and disclosing this information to them I will need to take legal action. I cease and desist them from calling me or anyone related to me in regard to this “debt”.

  

  Business Response

  Date: 01/17/2025

  
  Everest Receivable Services, Inc. has received the above referenced complaint, which has been forwarded
  for investigation and response. To clarify for Ms. ******, Everest Receivable Services, Inc. (Hereafter,
  "ERS') is a licensed debt collector. ERS is contracted by *** Associates, LLC. (Hereafter, "Client") to
  collect on various delinquent accounts.
  We did make several phone calls to the only number we have for Ms. ****** ###-###-####, which is the
  same number she provided on her complaint. We did and have never called any other phone number
  associated with Ms. ******.
  As far as Ms. ****** stating she does not have any information as we did not send a formal letter, please
  see the attached sent to her email that she provided ********** *****
  *************** ************* We also sent several other communications in regard to the
  outstanding debt and have proof that she opened.
  We have closed and returned her account to our client. We apologize to Ms. ****** for any inconvenience
  and hoped we could have helped her resolve her outstanding balance.
  Thank you for the opportunity to respond to this matter. Please contact our Client at ###-###-#### if there
  is any further assistance needed.
  David J. M*****
  Chief Compliance Officer
  
  

• Initial Complaint

  Date:07/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I want nothing to do with this business because of the scyions of Chris P***** a supposed employee at this company. I asked for a name and contact info of his boss Tim P***** he stated. Surprised it was Jim again ( Chris p*****) even more threading and aggressive. I was also given the n as me and number of a Rob O***** but it never went to voicemail it just rang then someone answered and just hung up. I then called back this time with my number blocked and it was picked up but only heard breathing. I will go into more details if asked. But to summarize I owe money. Last week I told them I would have at the most 1/2 and the other next month. I was faithfull in my commitment down to the time and date that I told them to call me back nothing has changed. I feel that this company should test and train its employees better and if someone asked to speak to a supervisor not be given the name of some fictitious person and also not answer the gener line when someone is calling. I had my number blocked and I was still treated like I was a nobody. That could have been anyone. It could have been a public emergency or an employ’s family member. I still have the money to pay but I don’t see them understanding that I neeed for someone other than the person I spoke yo yo contact me. I sent a email to them and have not heard anything back.

  

  Business Response

  Date: 07/19/2024

  
  Everest Receivable Services, Inc. has received the above referenced complaint, which has been forwasded
  for investigation and response. To clarify for Mr. ******, Everest Receivable Services, IIIC. (Hereafter,
  "ERS') is a licensed debt collector. ERS is contracted by DNF Associates, LLC. (Hereafter, "Client") to
  collect on various delinquent accounts.
  ERS initially contacted Mr. ****** via telephone on 07/03/2024. In the duration of this call, ERS offered
  Mr. ****** many different settlement options. However, at the conclusion of this call, Mr. ****** stated
  he was seeking the help of a family member to collect the funds to fulfill these settlement options.
  On 07/10/2024, ERS contact Mr. ****** again to follow up on the previous conversation. Initially, Mr.
  ****** stated he could commit to half of the settlement offer. After discussion, Mr. ******* offered less
  than the Agent was perniitted to accept. Mr. ****** then became extremely irate and vulgar, and refused
  all settlement offers. The Agent attempted to transfer Mr. ******* to a manager, with hopes tliat the
  manager would be able to approve a lower settlement. After 7 seconds of holding, Mr. ****** claimed it
  was "unprofessional" and requested no further calls be made.Immediately preceding that call, the Agent
  flagged the Account as "CEASE".
  On 0711 112024, ERS received an email fiom Mr. ****** with complaints about the Agents lie spoke with.
  Because the Account was already marked as "CEASE", it had been returned to the Client. We urge Mr.
  ****** to contact our Client at ###-###-#### to discuss how to resolve the balance.
  We would like to apologize to Mr. ****** for any inconvenience lie feels lie was caused.
  Thank you for the opportunity to respond to this matter. If we can be of any further assistance to your
  Organization, please feel free to contact us directly.
  Chief Compliance Officer

• Initial Complaint

  Date:11/08/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company continues to call myself and my wife with a very rude attitude, we have asked them to stop calling us we don't need their help in any shape or form. They are very rude and demanding other phone numbers, other location to call, other people's name and number to call to contact us. We have asked them many times to stop calling us and they still continue to do so. We want our name removed from there calling and mailing address, otherwise if they continue to harass us we look into legal services.

  

  Business Response

  Date: 11/14/2023

  Everest Receivable Services, Jnc. has received the above referenced complaint, which has been forwarded for investigation and response. To clarify for Mr. ******, Everest Receivable Services, Inc. (Hereafter,"ERS') is a licensed debt collector. ERS is contracted by DNF Associates, LLC. (Hereafter, "Client") tocollect on various delinquent accounts.As a licensed debt collector, ERS has access to certain skip-tracing tools to locate Consumers7 best contact information. On 11/06/2023 and 11/08/2023, ERS made contact with Mr. ******'s wife to request Mr.****** return our call. FDCPA laws allow this.ERS has left two (2) voicemails on Mr. ******'s confirmed phone number of *** ********** requesting a return call. The first voicemail being left 11/06/2023 and lastly on 11/08/2023.Although ERS has adhered to all applicable collection law, Mr. ******'s delinquent ******* * ************ ********* account ending in 7565 has been moved to a permanent cease status in our office to ensure no further communication is attempted.We would like to apologize to Mr. ****** for any inconvenience he feels he was caused.Thank you for the opportunity to respond to this matter. If we can be of any further assistance to your Organization, please feel free to contact us directly.Chief Compliance Officer

• Initial Complaint

  Date:10/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been contacted by ERS about a debt that I cannot be sure is accurate. They have called from multiple numbers. They have sent at least 2 email messages. They have contacted 2 members of this family that have the same name.
  
  Due to possible inaccuracies on my Credit reports, I must demand that the alleged debt be proved as mine.
  
  I hereby lawfully request that the proof be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the alleged debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
  
  Please be advised that I am not requesting a verification that you have my mailing address, email address, telephone number, or any other contact information about me; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.
  
  If ERS cannot validate the debt, I demand that they cease all collection activities.
  
  For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary

  

  Business Response

  Date: 10/18/2023

  Everest Receivable Services, Inc. has received the above referenced complaint, which has been forwarded for investigation and response. To clarify for Mr. ******, Everest Receivable Services, Inc. (Hereinafter,"ERS") is a licensed debt collector. ERS is contracted by *** Associates, LLC. (Hereinafter, "Client") to collect on various delinquent accounts.As a licensed debt collector, ERS has access to certain skip-tracing tools to locate Consumers7 best contact information. On 09/06/2023, ERS first attempted contact to Mr. ******'s confirmed daytime phonenumber of (********* *** and reached his voicemail.On 09/12/2023, after multiple voicemails were left and attempts to reach Mr. ****** directly went unanswered, we attempted to retrieve general Location Information from a phone number that was linkedto Mr. ****** of ###-###-####. System notes indicate this number was labeled "Wrong Number" as a result of this call and was promptly removed from the Account.On 09/13/2023, Mr. ****** sent us an email lawfully requesting we cease all communication with him.Since the receipt of this request, ERS has not contacted Mr. ******.Our Client provided documents to validate the Account. These documents include the Promissory N ote signed by Mr. ****** and the Payment History. These documents h ave been attached to this response.We would like to apologize to Mr. ****** if he feels he was inconvenienced in any way. No further contact will be initiated by our company, unless specifically requested by Mr. ******.Thank you for the opportunity to respond to this matter. Please contact us at ###-###-#### or our Client at###-###-#### if there is any further assistance needed.Nikita S. M*****Compliance Manager

  Customer Answer

  Date: 10/19/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. ERS has failed to mention that they have made telephone verbal communication with at least two members of this family with the same or similar name in their debt collection practices.  ERS has also failed to mention that they have made email communication in connection with their debt collection activities.  Partial information has been presented to frame ERS's collection practices in a positive light that benefits them unilaterally. 
   "Our Client provided documents to validate the Account. These documents include the Promissory Note signed by Mr. ****** and the Payment History. These documents have been attached to this response."- ***** ****** Response: There is no signature by me on the provided documentation. The fact that my name is printed on the documentation does not validate that my signature is on the documentation.  -***** ****** Response: Tablature information in the documents do not validate the account. Credits and Debits of the information provided are difficult to interpret and contain insufficient explanation.-***** ****** Response:I hereby
  lawfully request that the proof to validate the account  be in the form of a notarized statement by a
  person with original knowledge of the debt as it was constituted and who can
  testify that the alleged debt was incurred legally, was not subsequently
  disputed as a result of returned, faulty, or recalled consumer products, was
  not utilized as a profit-loss tax deduction during the period it may have been
  payable, and was not claimed as a loss with any insuring entity during the
  period it may have been payable. "We would like to apologize to Mr. ****** if he feels he was inconvenienced in any way. No further contact will be initiated by our company, unless specifically requested by Mr. ******."-***** ****** Response: I would like a written statement that ERS is contracted by *** Associates, LLC. (Hereinafter, "Client") to collect on various delinquent accounts and they will no longer be conducting or performing collection activities on this alleged debt and/or account now or in the future.The laws of Puerto Rico require that all financial institutions including Debt Collection Companies are registered with the Commissioner of Financial Institutions Office and the Departemento de Asuntos Del Consumidor.  I have searched the State Department and all other Government entities in Puerto Rico. Everest Receivable Services is not registered in Puerto Rico and cannot open credit accounts for the residents of Puerto Rico, nor can they conduct collection activities in Puerto Rico.  *Banking Law of Puerto Rico- Act No. 55 of May 12, 1933, as amended. 7 LPRA §§ 1-231. *Investment Capital Fund Act Of Puerto Rico - Act No. 3 of October 6, 1987, as amended. 7 LPRA 1241-1260(a).*Law No. 5 of April 23, 1973, as amended, known as "Organic Law of the Department of Consumer Affairs"*Law No. 143 of June 27, 1968, known as the "Agencies Law of Collections"; Law No. 179 of June 3, 1996 and Law No. 170 of August 12, 1988, known as "Administrative Procedure Law Uniform".Discontinue any
  reporting to credit bureaus regarding this debt, as required by law.Provide written
  confirmation, within 5 days of receiving this letter, that all collection
  efforts on this debt have been terminated by Everest Receivable Services. 
  
  Regards,
  
  ***** ******

  

  Business Response

  Date: 10/26/2023

  Everest Receivable Services, Inc (Hereinafter, ERS). has received the above referenced complaint.Hopefully, this final response will help clear up any confusion Mr. ****** has.ERS has not contacted Mr. ****** since his Cease and Desist request made on 09/13/2023. ERS has closedand returned the account to our Client, *** Associates, LLC (Hereinafter, "Client") since we received hissecond Complaint.Because ERS has returned the Account to our Client, we no longer have access to any of the sensitive Account infolmation. However, we would like to confirm for Mr. ****** that ERS had provided all documentation we possessed relevant to the Account.If Mr. ****** needs to discuss the Account further, we urge him to contact our Client, as there is nothing else we can do to assist him.If we can be of any more assistance to your Organization, please do not hesitate to contact us at (********
  *****Sincerely, ./L4 Nikita S. M*****Compliance Manager