Complaints

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:07/16/2025

  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 contacting family members and people they think are related to me and leaving them messages with specific details of an account that they claim belongs to me and they said that the message which was left to them that I have been served.
  They have called repeatedly and when they were told they are not me, they call from a different number
  I don’t owe them anything and I want all contact with them to cease

  

  Business Response

  Date: 07/17/2025

  Greetings:Our company is in receipt of, and has reviewed, the
  complaint submitted by **** ***** on July 17, 2025. Spire Recovery Solutions
  (“Spire”) is a third-party consumer debt collection company that collects on
  defaulted consumer accounts that have been placed by our clients. Spire does
  not own the accounts we collect on, nor do we engage in any credit reporting
  activities. Ms. ***** had a charged-off ******* USA account placed
  with our company for collection by the current creditor, ***** ******** LLC on May
  22, 2025. On May 23, 2025 our company mailed Ms. ***** the
  required Model Validation Notice (“MVN”) advising her that this account was
  placed with our company for collections. This MVN was mailed to ***** **** **** ***** Rancho Cucamonga, CA 91701 and as not returned by the USPS as being
  “undeliverable”.  We would note
  that this letter was sent to the same address Ms. ***** provided as part of her
  complaint.  Furthermore, on May 27, 2025
  our company emailed Ms. ***** a copy of the MVN.  This email was sent to ************** which is the same email Ms. ***** provided as part of her complaint.  Additionally, follow up emails were sent to Ms. *****
  on May 28, June 5, June 13, June 23, July 1, and July 9  requesting that she contacts our company
  concerning this matter. As we received no response from Ms. ***** to contact
  her through US mail and email, we commenced skip tracing activities on June 9,
  2025 in an attempt to locate a good contact number in which to speak with Ms. *****.
  All skip tracing calls were made in a frequency to ensure compliance with all
  laws governing the collection of debt, including Regulation F. Additionally,
  during these skip tracing calls, we never disclosed to any third party why we
  were seeking to speak with Ms. *****.  And we can state with absolute certainty that
  our company did not leave voicemail messages with Ms. ***** or any third party
  threatening litigation or that process servers had paperwork for Ms. *****.  The last phone call our company made with respect to
  Ms. *****’s account was on June 25, 2025. 
  We believe that Ms. ***** has us confused with an another collection
  agency who may be trying to contact her regarding a different account. This complaint was the first communication we
  received from Ms. ***** concerning this matter. 
  This was also the first time we were able to verify a good contact
  number for Ms. *****.Based on the request contained in Ms. *****’s
  complaint, we have ceased and desisted from any further collection efforts with
  respect to her account.  We have also
  made our client aware of Ms. *****’s complaint.  It is the position of our company that all
  collection activities were performed in a lawful and compliant manner and that
  this complaint was caused by a different collection agency.   SPIRE RECOVERY SOLUTIONS 

• Initial Complaint

  Date:06/26/2025

  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.

  Some one from Spire Recovery called about a bill. Account # *******
  Phone # ###-###-####. Might call them, before they turn you over to a collection agency. They have been calling my dad and not me I’m the account holder they have been giving my information to someone else not me that’s a violation of the ftc code

  

  Business Response

  Date: 06/27/2025

  
  June 27, 2025
  
  Better
  Business Bureau
  
  RE:      Complaint
  of ***** ****
              Complaint
  No. ********
  Greetings:
  Our company is in receipt of, and has reviewed, the
  complaint submitted by ***** **** and received by us on June 27, 2025. Spire Recovery
  Solutions (“Spire”) is a third-party consumer debt collection company that
  collects on defaulted consumer accounts that have been placed by our clients. Spire
  does not own the accounts we collect on, nor do we engage in any credit
  reporting activities.
  
  Mr. **** had a charged-off World Acceptance
  Corporation of Oklahoma account placed with our company for collection by the
  current creditor, ****** ******* *** on June 24, 2025.
  
  On June 26, 2025 our company emailed Mr. **** a
  Model Validation Notice “MVN” advising him that this account was placed with
  our company for collections. This was emailed to ***********@gmail.com. 
  
  Additionally, on June 26, 2025 we commenced skip tracing
  activities in an attempt to locate a good contact number in which to speak with
  Mr. ****. All skip tracing activities were made in a frequency to ensure compliance
  with all laws governing the collection of debt, including Regulation F.  Our skip tracing activities were limited to
  two (2) phone calls and one (1) text message. 
  This complaint was the first communication we had from Mr. ****
  concerning this matter as well as the first time we were able to confirm a good
  telephone number for Mr. ****. 
  
  It is the position of our company that all
  collection activities were performed in a lawful and compliant manner. Nonetheless,
  based on the request contained in Mr. ****’s complaint, our company has ceased
  and desisted with any further collection activity with respect to his ***** ********** *********** of Oklahoma account. Additionally, we have advised our
  client of this complaint and his account has been recalled by our client.
  
  
  SPIRE RECOVERY SOLUTIONS 

  Customer Answer

  Date: 06/30/2025

  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.
  
  
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  
  
  Regards,
  
  
  
  ***** ****
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:06/11/2025

  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 reaching out to other persons not listed as a point of contact. They are harassing my family via text and phone calls. I wish to only be contacted by Email. I do not authorize anyone but myself to be spoken to about said debt, as stated by FDCPA you are not permitted to harass me, or my family members. As of today, June 11th I will only permit Spire Recovery Solutions to contact me via email.

  

  Business Response

  Date: 06/12/2025

  Greetings:Our company is in receipt of, and has reviewed, the
  complaint submitted by ********** ***** and received by us on June 12, 2025.
  Spire Recovery Solutions (“SRS”) is a third-party consumer debt collection
  company that collects on defaulted consumer accounts that have been placed by
  our clients. SRS does not own the accounts we collect on, nor do we engage in
  any credit reporting activities. Mr. ***** had a charged-off **** ******* *** account
  placed with our company for collection by the current creditor, ******** LLC on
  June 2, 2025. On June 4, 2025 our company emailed Mr. ***** a
  Model Validation Notice “MVN” advising him that this account was placed with
  our company for collections. This was emailed to ********************* which is the same email address Mr. ***** provided
  as part of his complaint.  Additionally,
  on June 5, 2025, we sent Mr. ***** a follow up email requesting that he
  contacts our company to discuss this matter. 
   As we received no response from our attempts to
  contact Mr. ***** through electronic mail, we commenced skip tracing activities
  on June 11, 2025 in an attempt to locate a good contact number in which to
  speak with Mr. *****. All skip tracing activities were made in a frequency to
  ensure compliance with all laws governing the collection of debt, including
  Regulation F.  This complaint was the
  first communication we had from Mr. ***** concerning this matter as well as the
  first time we were able to confirm a good telephone number for Mr. *****.  It is the position of our company that all
  collection activities were performed in a lawful and compliant manner. Nonetheless,
  based on the request contained in Mr. *****’s complaint, our company has ceased
  and desisted with any further collection activity with respect to his **** ******* *** account. Additionally, we have advised our client of this complaint.SPIRE RECOVERY SOLTIONS 

• Initial Complaint

  Date:05/29/2025

  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.

  Myself and my family have received multiple phone calls from this company regarding an alleged debt that was collected. I am unaware of any debts that were taken over by this company and have received no verification of debt owed to spire. I’ve also not received any information in the mail stating that a debt is owed. I will not be calling spire to give them any personal information as I am entitled to know of a debt collection, as well as verification via mail or email that the debt is mine. This company needs to stop contacting myself and my family without permission.

  

  Business Response

  Date: 05/30/2025

                      Greetings:Our company
  is in receipt of, and has reviewed, the complaint submitted by ****** ******* and
  received by us on May 30, 2025. Spire Recovery Solutions (“Spire”) is a
  third-party consumer debt collection company that collects on defaulted
  consumer accounts that have been placed by our clients. Spire does not own the
  accounts we collect on, nor do we engage in any credit reporting activities. Ms. ******* had a charged-off ******** account placed with our company for collections on May
  19, 2025. On May 20,
  2025 our company emailed Ms. ******* the required Model Validation Notice “MVN”
  advising her that this account was placed with our company for
  collections.  The email was sent to Ms. *******
  at ***********************, which is the same email address Ms. *******
  provided as part of her complaint.  Follow-up
  emails were also sent to Ms. ******* on May 21, 2025 and May 28, 2025.We also
  commenced skip tracing activities on May 20, 2025 in an attempt to locate a
  good contact number in which to speak with Ms. *******. All skip tracing calls
  were made in a frequency to ensure compliance with all laws governing the
  collection of debt, including Regulation F. Additionally, during these skip
  tracing calls, we never disclosed to any third party why we were seeking to
  speak with Ms. *******.  Based on the
  request contained in Ms. *******’s complaint, we have placed her account into a
  “cease and desist” status to ensure that no further attempts to contact her are made by our
  company.  We have also made our client
  aware of Ms. *******’s complaint.  It is the
  position of our company that all collection activities have been performed in a
  lawful and compliant manner.  SPIRE
  RECOVERY SOLUTIONS 

• Initial Complaint

  Date:05/27/2025

  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.

  I received an alert from NY indicating I have an account that needs to be addressed, and this is definitely fraudulent, and the so-called Reference # *******. This unacceptable scam needs to be addressed, please and thank you.

  

  Business Response

  Date: 05/29/2025

  Greetings:Our company is in receipt of, and has reviewed, the complaint submitted by ********* ******** and received by us on May 28, 2025.   Spire Recovery Solutions (“Spire”) is a third-party consumer debt collection company that collects on defaulted consumer accounts that have been placed by our clients.  Spire does not own the accounts we collect on, nor do we engage in any credit reporting activities.  Ms. ******** had a charged off ******* USA account placed with our company for collection by our client ***** ******** LLC on May 22, 2025.  On May 23, 2025 our company mailed Ms. ******** the Model Validation Notice “MVN” advising her that her account was placed with our company for collections and how Ms. ******** can contact us concerning this matter.  The letter was mailed to P.O. *** **** *********** ******** ********** and was not returned to us by the USPS.  Additionally, on May 27, 2025 our company emailed Ms. ******** a Model Validation Notice advising that her account was placed with our company for collections.  This Model Validation Notice was emailed to ****************** which is the same email address Ms. ******** provided as part of her complaint. On May 27, 2025 we sent one text message to Ms. ******** concerning her account.  Other than this one text message, there were no other attempts to contact Ms. ******** through the phone to discuss her account.  We would note that Ms. ******** complaint contains no allegations of misconduct by the part of our company as her complaint states that she was the victim of fraud.  Accordingly, we are attaching a copy of the underlying account documents as part of our response for Ms. ******** to review.  Based on the complaint of Ms. ********, we documented the account and placed it into a “dispute – fraud” status.  While we will not be contacting her anymore concerning this matter, we would advise Ms. ******** to file a police report or complete an FTC Fraud Affidavit at ********************* if she is, in fact, a victim of fraud to ensure that the account is formerly closed out due to fraud. It is the position of our company that all collection activities were performed in a lawful and compliant manner.  Additionally, we have advised our client of this complaint.If there is any additional information which you desire, please do not hesitate to contact us.SPIRE RECOVERY SOLUTIONS LLC 

• Initial Complaint

  Date:05/09/2025

  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 harassing me about a loan that I did not make So, I do not remember that. I would have, I do remember every loan that I have. I did not make this loan.

  

  Business Response

  Date: 05/13/2025

  Greetings:Our company is in receipt of, and has reviewed, the
  complaint submitted by ******* ***** and received by us on May 12, 2025. Spire
  Recovery Solutions (“Spire”) is a third- party consumer debt collection company
  that collects on defaulted consumer accounts that have been placed by our clients.
  Spire does not own the accounts we collect on, nor dowe engage in any credit reporting activities. Ms. ***** had a charged-off Quick Credit account
  placed with our company for collection on April 17, 2025 by our client, Plaza
  Services, LLC. On April 17, 2025 our company mailed Ms. ***** the Model
  Validation Notice “MVN” advising her that this account was placed with our
  company for collection.  The MVN provided
  Ms. ***** with information as to how to contact us and to dispute the account
  either through the mail, email, consumer portal or through the telephone. The
  MVN was mailed to ***** *** ********** ***** *********** ********* ***** and
  was not returned to our company as being undeliverable by the USPS. On April
  21, 2025 we emailed Ms. ***** copy of the MVN to rebecca*****[email protected].  Follow up emails were sent to Ms. ***** on
  April 22, April 30 and May 8 requesting that she contacts our company to
  discuss this matter. As we received no response from our attempts to
  contact her via email, we commenced skip tracing activities on May 9, 2025 in
  an attempt to locate and speak with Ms. *****. Allskip tracing calls were made in compliance with
  Regulation F and all other collection laws. There was never any disclosure made
  to third parties as to the nature of our business with Ms. ***** when making
  these skip tracing calls. The receipt of this complaint as the first communication
  we received from Ms. ***** concerning this matter. We would point out that
  there was no allegations of wrongdoing against our company in this complaint as
  Ms. *****'s complaint was a dispute and cease and desist request which she
  could have made directly to our company through the multiple mediums we provide
  the consumer to contact us through in lieu of filing this complaint. Based on
  the request contained in Ms. *****’s complaint, we have placed her account into
  a cease and desist status to ensure that no further collection efforts are made
  from our company concerning her account. It is the position of our company that
  all collection activities performed in a compliant and lawful manner.SPIRE RECOVERY SOLTIONS 

• 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 in violation of Regulation F. Debt collectors can not call within 7 days after having a phone conversation about the debt. This company called me 5/1 and we spoke for over 12 minutes. The company called again the following business day and I spoke to agent and manager for over 8 minutes advising they are in violation. Both claimed they can call 7x in 7 days. This is only true if attempts are made and no conversation. In addition, they skip traced and called harassing my 79 year old mother. I'll be filing complaint with the cfpb and state attorney. This is unacceptable.

  

  Business Response

  Date: 05/09/2025

  Greetings:Our company
  is in receipt of, and has reviewed, the complaint submitted by ******** ***** and
  received by us on May 8, 2025. Spire Recovery Solutions (“Spire”) is a
  third-party consumer debt collection company that collects on defaulted
  consumer accounts that have been placed by our clients. Spire does not own the
  accounts we collect on, nor do we engage in any credit reporting activities. Ms. ***** had
  a charged-off Tab Bank account by Netcredit placed with our company for collections
  on March 4, 2025 by our client, ***** Services LLC. On March 5,
  2025 our company mailed Ms. ***** the Model Validation Notice “MVN” advising
  her that this account has been placed with our company for collections and how
  she can contact us concerning this matter. 
  The MVN was mailed to *** **** ****** *****, Virginia Beach, Virginia
  23454, which is the same mailing address Ms. ***** provided as part of her
  complaint.  The letter we mailed to Ms.
  ***** was not returned by the USPA as being undeliverable.  On March 6, 2025 we also emailed Ms. ***** a
  copy of the MVN.  We emailed the MVN to ********************** which is the same email address Ms. *****
  provided as part of her complaint. 
  Additionally, we sent follow up emails to Ms. ***** on March 7, March
  17, March 26, April 3, April 11, April 21 and April 29 requesting that she
  contacts our company concerning this matter. 
    As we
  received no response from Ms. ***** in our attempts to contact her through the
  mail and electronically, we commenced skip tracing activities on May 1, 2025 in
  an attempt to locate a good contact number in which to speak with Ms. *****.
  All skip tracing calls were made in a frequency to ensure compliance with all
  laws governing the collection of debt, including Regulation F. Additionally,
  during these skip tracing calls, we never disclosed to any third party why we
  were seeking to speak with Ms. *****.  On May 2,
  2025 we spoke with Ms. ***** on the telephone for the first time concerning
  this account.  During this conversation
  with Ms. *****, where we discussed settlement options for her defaulted
  account, we requested and obtained consent to call her back as necessary
  concerning this matter.  As we had
  consent from Ms. ***** on May 2, 2025 we followed up with her concerning her
  account on May 5, 2025.  During the call
  on May 5, 2025 we attempted to explain to Ms. ***** that on May 2, 2025 she did
  provide recorded consent for us to call her back as necessary with respect to
  this matter.  This conversation concluded
  with Ms. ***** requesting that we cease and desist with any further collection
  activity with respect to her account.  We
  then documented her account as being “cease and desist” and not have engaged in
  any collection activities on her account since May 5, 2025.Based on the
  request contained in Ms. *****’s complaint, along with her verbal request on
  May 5, 2025, we have placed her account into a “cease and desist” status to
  ensure that no further attempts to contact her are made by our company.  We have also made our client aware of Ms. *****’s
  complaint.  It is the position of our
  company that all collection activities have been performed in a lawful and
  compliant manner.  SPIRE
  RECOVERY SOLUTIONS 

• Initial Complaint

  Date:05/07/2025

  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.

  SRS has harassed me with repeated calls including directly to my work place. I have requested to only be contacted by email and proof of debt and they refuse to comply.

  

  Business Response

  Date: 05/08/2025

  Greetings:Our company is in receipt of, and has reviewed, the
  complaint submitted by *** ****** and received by us on May 8, 2025. Spire Recovery
  Solutions (“Spire”) is a third-party consumer debt collection company that
  collects on defaulted consumer accounts that have been placed by our clients. Spire
  does not own the accounts we collect on, nor do we engage in anycredit reporting activities. Mr. ****** had a
  charged off **** Credit account placed with our company for collection by our
  client ***** ******** LLC on March 24, 2025. On March 25, 2025 our company mailed Mr. ****** a
  copy of the Model Validation Notice “MVN” advising him that his account was
  placed with our company for collections. 
  This MVN also included information as to how to contact our company and
  how to dispute the account.  The MVN was
  mailed to *** ******* ******* ******* Delaware 19702 which is the same mailing
  address Mr. ****** provided as part of his complaint.  We also emailed Mr. ****** a copy of the MVN
  to ******************* which is the same email
  address Mr. ****** provided as part of his complaint.  Additionally, follow up emails were sent to Mr.
  ****** requesting that he contacts us concerning his account. These follow up
  emails were sent on March 28, April 7, April 15, April 23 and May 1 and were
  not responded to by Mr. ******.As we received no response from Mr. ****** concerning
  the emails we sent, we commenced skip tracing activities on May 7, 2025 in an
  attempt to locate a good contact number in which to speak with Mr. ****** as we
  did not have a verified phone number for him. We can state with certainty that we have not been
  harassing Mr. ****** as we only made calls on this account on May 7, 2025.  All calls made on May 7, 2025 were made in
  full compliance with Regulation F and the FDCPA. All skip tracing calls were
  made in a frequency to ensure compliance with all laws governing the collection
  of debts. Additionally, we never disclosed to any third party why we were seeking
  to speak with Mr. ******. Contrary to Mr. ******’s contention that he
  previously requested to be contacted only via email and that he disputed this
  account, this is the first communication we have received from Mr. ******
  concerning this matter despite numerous attempts to contact him.Based on the request contained in Mr. ******’s
  complaint, we have placed her account into a cease and desist status and we have
  advised our client of this complaint. It is the position of our company that
  all collection activities were performed in a lawful and compliant manner. SPIRE RECOVERY SOLTIONS

• Initial Complaint

  Date:05/06/2025

  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.

  Hello, and thank you for helping to resolve this situation.
  
  Here are the details:
  
  On 4/22/25 I received an unexpected text from ###-###-#### claiming to be from Spire Recovery Solutions. They called me ***** *******. I have not used the name ***** since the 1970s. And I have not used the name ******* since 2010. I have never used the name ***** *******.
  
  They gave me a reference number [*******] and asked me to call ###-###-#### or visit them at **************** in regards to a debt collection.
  
  I conducted an online search for Spire Recovery Solutions, found a reputable site and used their contact form to ask if they were texting me. They responded the same day asking me to verify if they had my correct birth date. I replied, telling them that the birthdate they had on file is not mine. I did not provide any more information.
  
  On 4/28/25, I received an identical text from 4/22/25 but from ###-###-####. I did not respond.
  
  On 4/30/25, I received an email from Spire Recovery, asking me to verify the last four digits of my Social Security number. I replied, telling them that the number they had on file was incorrect. I did not provide any more information.
  
  On 5/5/25, I received an identical text from 4/22/25 from ###-###-####. Again, I went to the official Spire Recovery website and used their contact form, to which they replied with the same question about my birthdate which they had asked on 4/22/25.
  
  I am not aware of any outstanding debts, but I have been through identity theft before and know all too well the cost of making yourself vulnerable to attack. This feels like an attack.
  
  I appreciate your help.

  

  Business Response

  Date: 05/08/2025

  
  May 7, 2025
  
  Better Business Bureau
  
  RE:     Complaint of **** ******
             Complaint No. ********
  Greetings:
  Our company
  is in receipt of, and has reviewed, the complaint submitted by **** ****** and
  received by us on May 5, 2025. Spire Recovery Solutions (“Spire”) is a
  third-party consumer debt collection company that collects on defaulted consumer
  accounts that have been placed by our clients. Spire does not own the accounts
  we collect on, nor do we engage in any credit reporting activities.
  
  We had an
  account placed with our company for collection by our client, Independence
  Capital Recovery.  We did attempt to
  contact Ms. ****** concerning this matter as we were under the belief that she
  was the party we were attempting to locate and speak with concerning the
  account in question.  We did contact Ms.
  ****** via phone, email and text concerning this matter. 
  
  Ms. ******
  did advise us via email that she was not the correct party we were seeking to
  speak with concerning this matter.  As
  such, on April 30, 2025, we removed Ms. ******’s email from the account in
  question to ensure that she was not contacted anymore concerning this
  matter. 
  
  Unfortunately,
  due to an administrative error, her phone number was not removed with her email
  which caused her to continue to receive calls and text messages until; May 6,
  2025 when she once again contacted our company concerning this issue. On May 6,
  2025 we deleted her phone number from the account in question to ensure that
  she is no longer contacted concerning this matter.  We sincerely apologize for any inconvenience
  caused to Ms. ****** in this matter as her phone number should have been
  removed at the same time as her email was removed from the account.  Ms. ****** can be assured that there will be
  no further contact made to her concerning this matter.
  
  Sincerely,
  
  SPIRE
  RECOVERY SOLUTIONS 

  Customer Answer

  Date: 05/08/2025

  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. 

  Thank you very much for your assistance in this matter.

  
  
  
  Regards,
  
  
  
  **** ******l
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:04/28/2025

  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.

  Being harassed by SRS. They have called my number other phone numbers (non-family) and left messages at my work. I have spoken to them about sending verification. Their link does not work. I have explained this to them. NO REPONSE BACK !! NO REPONSE BACK FROM EMAIL.

  

  Business Response

  Date: 04/30/2025

  
  April 30,
  2025
  
  Better Business Bureau
  
  RE:     Complaint of ***** ******
             Complaint No. ********
  Greetings:
  Our company
  is in receipt of, and has reviewed, the complaint submitted by ***** ****** and
  received by our company on April 29, 2025. Spire Recovery Solutions (“Spire”)
  is a third-party consumer debt collection company that collects on defaulted
  consumer accounts that have been placed by our clients. Spire does not own the
  accounts we collect on, nor do we engage in any credit reporting activities.
  
  Ms. ******
  had a charged-off ******* *** account placed with our company for collections
  by the current creditor, Plaza Services LLC. on April 17, 2025.
  
  On April 21,
  2025 our company emailed Ms. ****** the required Model Validation Notice “MVN”
  advising her that this account was placed with our company for
  collections.  This email was sent to Ms. ******
  at [email protected] is the same email address that
  Ms. ****** provided as part of her complaint. 
  
  On April 18,
  2025 we commenced skip tracing activities in an attempt to locate a good
  contact number at which to speak with Ms. ******. All skip tracing calls were
  made in a frequency to ensure compliance with all laws governing the collection
  of debt, including Regulation F. Additionally, during these skip tracing calls,
  we never disclosed to any third party why we were seeking to speak with Ms.
  ******. 
  
  On April 28,
  2025 our company was able to obtain good contact information for Ms. ****** and
  had a text conversation with her regarding the account.  At that time, we spoke with Ms. ****** about
  potential payment arrangement to settle her account but her proposed settlement
  payments were not acceptable and did not fall within our client guidelines for
  payment plans.  During this text
  conversation there was no validation request made by Ms. ******. 
  
  Based on the
  request contained in Ms. ******’s complaint, we have placed her account into a
  “cease and desist” status to ensure that no further attempts to contact her are made by our
  company.  We have also made our client
  aware of Ms. ******’s complaint. 
  
  It is the
  position of our company that all collection activities have been performed in a
  lawful and compliant manner. 
  
  SPIRE
  RECOVERY SOLUTIONS