- Who is Simon’s Agency?
- Simon’s Agency Complaints?
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- How Do I Stop Simon’s Agency Debt Collection Harassment?
- How can I Delete Simon’s Agency from My Credit Report?
- How Can I Deal with Simon’s Agency?
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The headquarters for Simon’s Agency is located in Liverpool, NY, with a satellite office in Spotswood, NJ. According to the BBB, Simon’s was founded in 1966 and incorporated in 2001. BBB opened its file about a year after incorporation. According to Buzzfile, Simon’s has been operating for 16 years and has an annual revenue of $150,000.
The Simon’s Agency website claims a 50-year history of success in the collections industry. The majority of Simon’s clients are in the healthcare industry, and they cite good “bedside manner” in dealing with patient delinquent debts as one of their strengths. Recently, aided by advances in technology, Simon’s has expanded into other areas of debt collection, including consumer credit; commercial loans; government municipalities; and membership-based debt collection for record clubs, music clubs, and gyms.
“The Simon’s Method” uses a four-step process to ensure high recovery rates: file placement; data scrubbing; debtor contact; and remittance to clients. Simon’s offers cash rewards to clients who place accounts with them, and all files are uploaded using technology designed for the needs of collection agencies. During data scrubbing, trained collectors review files for outdated contact information and other sources of information useful in the collection process; all debtors are contacted within 48 hours of placement; and Simon’s cites as a strength its policy of paying clients monthly rather than at the conclusion of all debt recovery.
The Simon’s Agency hosts a separate website for consumers, www.paysimons.com. Neither the commercial site nor the consumer site offer much information about federal debt collection laws like the Fair Debt Collections Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA). The consumer site hosts a Frequently Asked Questions page, but most of the questions are about how to make payments. Their web-based contact form does not notify site visitors of their rights under the FDCPA or the FCRA.
The Better Business Bureau lists 42 complaints closed against Simon’s in the past three years, with 13 complaints closed in the past twelve months. Most of these complaints are about billing and collection issues, with only 12 of them resolved to the satisfaction of the complainant. There are three negative customer reviews, all complaining about automated calls and unverified debt. Justia lists at least 4 cases of civil litigation citing Simon’s as a defendant.
Absolutely. Here are some Sample Complaints and Cases against Simon’s Agency, Inc.
A typical complaint from a consumer occurred in December 2016. A consumer who did not have any history of delinquent debts received an alert about a change to her credit report resulting from a Simon’s Agency report to the credit reporting agencies of an unpaid bill of $25.00. The consumer complained that this action was illegal since she had only received one phone call about the delinquency. Ultimately, Simon’s admitted that attempts to contact the debtor had been mostly unsuccessful. After paying the outstanding balance, Simon’s contacted the credit reporting agencies to have the item removed from her credit report. Also in 2016, another complainant alleged that Simon’s Agency had reported 5 separate delinquencies to the credit reporting agencies without providing verification of the debts or making contact with the debtor. Simon’s provided the account information in response to the complaint and claimed that they had sent letters to the debtor that had not been returned as undeliverable, but also acknowledged that they had been unsuccessful in reaching the debtor by telephone. Civil actions include complaints that Simon’s Agency regularly makes non-emergency automated phone calls, or “robo calls,” to the mobile phones of debtors without their prior consent, which constitutes a violation of the Telephone Consumer Protection Act.
Simon’s Agency, Inc.
4963 Wintersweet Drive
Liverpool, NY 13088
Telephone: 1 (315) 454-8700
Understanding Your Debt Collection Rights
The Federal Trade Commission enforces laws that protect consumers from collection agencies who engage in unethical business practices. For example, the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) restrict and regulate how collection agencies can conduct business. The FDCPA prohibits collection activity such as using abusive or threatening language; harassment; or using false or misleading information in an effort to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Understanding how these laws operate can help you understand your rights when communicating with collection agencies. The complaints above illustrate how you can work with collection agencies who you believe may be engaging in unethical practices.
In addition, these laws provide individuals with a means to seek damages in court. For instance, the FDCPA allows consumers who have been violated to recover monetary damages of up to $1,000, plus attorney fees and court costs. If you are concerned your rights as a consumer have been violated, seeking assistance can help you find relief.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
What Our Clients are Saying
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
“I just called in to thank you for the incredible help you offered to my sickly father who was bothered with frequent calls from scammers. At a point, he just wanted to pay them to get rid of all the annoyance, but because of Lemberg Law’s assistance, he got free help, and the bothering calls ended immediately.”
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