Sleep Experts

JTM Capital Management, LLC (JTM) is in receipt of Ms [redacted] 's complaint and has performed a thorough investigation into her allegationsWe have reviewed the recordings provided by [redacted] (***) and have found that the comments made by the agent were in deed deceptive and threateningWe have required that the individual Ms [redacted] spoke with receive remediation to include a Written Warning and to be removed from all accounts JTM places with ***Ms [redacted] 's account has bee recalled from ***This was done at her request once she was contacted by a representative from JTM upon receipt of her e-mailPer Ms [redacted] 's request we have requested validation of the debt from the original credit grantor and also recalled another of her accounts placed with one of our other agenciesWhen all documentation is received it will be sent directly to Ms [redacted] If at that point Ms [redacted] would like to handle any repayment of these debt she may contact JTM directly to give permission to place these accounts with another agencyJTM is a passive debt buyer and does not take part in the direct collection of any debtJTM is not licensed as a debt collector so any discussion of repayment or negotiation will need to take place with one of our agenciesMs [redacted] 's accounts will remain in a cease and desist status until she contacts JTM requesting those optionsNo further collection activity will take place until that point

After further investigation with [redacted] Systems we found that the payments were applied incorrectlyWe have corrected the issue and [redacted] Systems is issuing a refund to Ms***We do apologize for any inconvenience Ms [redacted] may have sufferedThis matter is closed and Ms [redacted] can rest assured that she will not be contacted againPlease let me know if you have any further questionsAmanda PDirector of Compliance

JTM Capital Management, LLC (JTM) purchased Ms [redacted] 's outstanding debt with [redacted] ( [redacted] ***) on February 16, From that point JTM has placed this account within our collection network for recoveryJTM is a passive debt buyer and does not take part in the direct collection of any account, however outsources them to licensed collection agenciesOn December 1, 2017, JTM placed Ms [redacted] 's account with [redacted] (***) [redacted] has several offices underneath their umbrella and sent the account to one of those offices ***JTM has pulled all account notes and recordings from ***/ [redacted] and reviewed them thoroughlyListening through these recordings it appears that Ms [redacted] was confused by the chain of title of the accountThe agents tried several times to explain that the account was no longer with [redacted] and that they sold it to JTMAnd that JTM then sent the account to [redacted] for collectionsPer the recording Ms [redacted] told the agent she contacted [redacted] and was told it was still with their internal collectionsI have reached out to my contacts at [redacted] and they are investigating as to why someone would have told Ms [redacted] that when it is clearly not the caseRegarding the questions of the money order it is true that JTM requests that the agencies it places accounts with make every effort to avoid personal checks and money ordersBoth these methods of payments are easily stolenAgencies use a third party payment processing company and the only secure methods through the agency to the processor are via credit card, debit card or pre-paid cardRequiring only these methods of payment are for the safety of the consumer, the agency and the account ownerMs [redacted] was also given two different addresses at two different point because as the manager tried to explain on the calls one was for the agency, one was for the processorAll payments are handed by the processor, not the agency, again this is done for security reasonsFinally, as with most collection agencies, in order to make the required volume of calls any call center needs a large volume of phone linesThese lines come with individual phone numbers and quite often show those different numbers on the phone displayMultiple numbers is very common in a call center environment.JTM apologizes for any confusion or misunderstanding that Ms [redacted] had regarding the process of repaying her accountThe account is currently on hold awaiting the arrival of the money orderIf ***/ [redacted] does not receive the money order within days from today(12/27/2017), ***/ [redacted] will close the account and return it to JTMMs [redacted] is welcome to contact JTM directly for any further clarification at [redacted]

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

JTM Capital Management does not place accounts with *** *** GroupThe account was outsourced, but has since been recalled and placed back in our officePlease contact our office to set up payment arrangements to resolve this matter as stated in your desired settlement###-###-####
Sincerely, Amanda PDirector of Compliance

On Friday, February 23rd, JTM Capital Management, LLC received a message from the original credit grantor stating that Ms*** attempted to call JTM times on 2/and her calls where going to voice mailImmediately after receiving this message, JTM reached out and made contact with Ms***
Ms***'s account is in the process of being sold to JTM and is not yet been entered into our systemFor this reason the automated system did not recognize Ms***'s number and provide the contact information for the assigned agencyJTM is a passive debt buyer and is not licensed as a collection agencyTherefore all accounts, once loaded into our system are assigned to a licensed agencyMs*** was informed that once her account was entered into our system it will be assigned to an agency and at that point she should receive a call from that agencyMs*** then asked if she would receive validation of the debtShe was informed that if she asks that assigned agency then it will be providedAt no point did Ms*** mention that there was an account for her spouse that was sold to JTMUpon review Mr***'s account is in the same purchased portfolio as Ms***'s and has yet to be loaded into our systemAs with Ms***'s account, when Mr***'s account is entered into our system it will be assigned to an agency which will attempt to make contact

To whom it may concern:JTM Capital Management, LLC is a passive debt buyer and does not collect on accounts directlyJTM purchased Mr***'s account in January of and in that time frame have outsourced his account to a few different agencies over timeUnfortunately two of these
agencies are no longer in business due in no part to JTMIt is our assumption that Mr*** may be calling a number off a letter from one of these agenciesJTM is more then happy to direct Mr*** to the office his account is currently located inHe can call JTM directly at *** ***

JTM Capital Management, LLC (JTM) purchased the above referenced account from the original credit grantor, *** *** *** and Trust on May 30th, At the point of sale these was no documentation included with the account that any type of dispute was reportedJTM is a passive debt buyer and
does not take part in the direct collection of any accountTherefore the account was placed within our network of agencies for collection effortsWe have closed the account with the agency it was placed with and currently have it in a hold status within our office. Call recordings and notes on this issue were requested and provided by the agencyDirect contact was made with the consumer twice and both times she never stated she disputed the account, only that she would take care of it with the original issuerThe agent attempted to explain that the account was sold and that *** *** *** and Trust no longer has the account. No further collection action will take place on the accountIf the consumer wishes to file a dispute with JTM regarding the account she can go to *** and file her dispute with our complaint portalJTM will do everything within our abilities to handle this dispute for Ms***

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

JTM Capital Management, LLC (JTM) purchased Ms***'s account in May In August JTM received notification that Ms*** disputed the debtIn turn we placed the account in a "cease and desist" status to prevent any further collection activity while we requested the original account
documentation from the original credit grantorJTM made a second attempt to secure these documents in April To date we have not received a response from the original credit grantor with any documentation. Regarding the reporting of this account on any of the Credit Bureaus, JTM does not report any account that we purchase to these bureausIn accordance with the Fair Credit Reporting Act, an entity can only update a trade line in which it itself has reportedSince JTM does not report to these Bureaus, it does not have the ability to make any changesAny update would be the responsibility of the entity that placed the trade line on the Credit BureauMs*** would need to either go back to the original credit grantor, Mid-America Bank, or dispute the trade line directly with the Credit Bureau. However, due to Ms***'s claims this account will remain closed in a cease and desist status in perpetuity

JTM Capital Management, LLC (JTM) is a passive debt buyer and does not take part I the direct collection of account we have purchasedJTM outsources all accounts to fully vetted collection agenciesWe apologize for MsWermuth's experience of being contacted at her place of employmentJTM has
recalled Ms*** account from the agency and have placed it an a cease and desist statusNo further collection activity will take place on this account

JTM Capital Management, LLC (JTM) is in receipt of Ms. [redacted]'s complaint and has performed a thorough investigation into her allegations. We have reviewed the recordings provided by [redacted] ([redacted]) and have found that the comments made by the agent were in deed deceptive and...

threatening. We have required that the individual Ms. [redacted] spoke with receive remediation to include a Written Warning and to be removed from all accounts JTM places with [redacted]. Ms. [redacted]'s account has bee recalled from [redacted]. This was done at her request once she was contacted by a representative from JTM upon receipt of her e-mail. Per Ms. [redacted]'s request we have requested validation of the debt from the original credit grantor and also recalled another of her accounts placed with one of our other agencies. When all documentation is received it will be sent directly to Ms. [redacted]. If at that point Ms. [redacted] would like to handle any repayment of these debt she may contact JTM directly to give permission to place these accounts with another agency. JTM is a passive debt buyer and does not take part in the direct collection of any debt. JTM is not licensed as a debt collector so any discussion of repayment or negotiation will need to take place with one of our agencies. Ms. [redacted]'s accounts will remain in a cease and desist status until she contacts JTM requesting those options. No further collection activity will take place until that point.

After further investigation with [redacted] Systems we found that the payments were applied incorrectly. We have corrected the issue and [redacted] Systems is issuing a refund to Ms. [redacted]. We do apologize for any inconvenience Ms. [redacted] may have suffered. This matter is closed and Ms. [redacted] can rest assured that she will not be contacted again. Please let me know if you have any further questions. Amanda P. Director of Compliance

JTM Capital Management outsourced [redacted]'s account to [redacted] Systems 07/01/2015. We had shown no payments received as of 9/28/2015 and recalled her account to place with a different agency for collections. After receiving a call from Ms. [redacted] Thursday 10/29/2015 we contacted...

[redacted] Systems to verify no payments were received and it was confirmed. Ms. [redacted] contacted JTM Capital Management and spoke with our Director of Operations stating she did make payments. At that point we needed to investigate again on our end to see if payments were actually made. After receiving this complaint we asked Ms. [redacted] to provide statements showing the account was paid since [redacted] Systems still stated no payments were received. JTM Capital Management and yet to receive any statements from Ms. [redacted] showing payments were made. We cannot return $605 when we aren't showing any payments made. We do apologize for any inconvenience Ms. [redacted] may have suffered. This matter is closed and Ms. [redacted] can rest assured that she will not be contacted again. Amanda P. Director of Compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not satisfactory to me.  It is still on my [redacted] credit report. After numerous attempts of verification to the original creditor I cannot seem to reach a resolution
Regards,
[redacted]

JTM Capital Management, LLC (JTM) purchased Ms. [redacted]'s outstanding debt with [redacted]) on February 16, 2017. From that point JTM has placed this account within our collection network for recovery. JTM is a passive debt buyer and does not take part in the direct...

collection of any account, however outsources them to licensed collection agencies. On December 1, 2017, JTM placed Ms. [redacted]'s account with [redacted]). [redacted] has several offices underneath their umbrella and sent the account to one of those offices [redacted]. JTM has pulled all account notes and recordings from [redacted] and reviewed them thoroughly. Listening through these recordings it appears that Ms. [redacted] was confused by the chain of title of the account. The agents tried several times to explain that the account was no longer with [redacted] and that they sold it to JTM. And that JTM then sent the account to [redacted] for collections. Per the recording Ms [redacted] told the agent she contacted [redacted] and was told it was still with their internal collections. I have reached out to my contacts at [redacted] and they are investigating as to why someone would have told Ms. [redacted] that when it is clearly not the case. Regarding the questions of the money order it is true that JTM requests that the agencies it places accounts with make every effort to avoid personal checks and money orders. Both these methods of payments are easily stolen. Agencies use a third party payment processing company and the only secure methods through the agency to the processor are via credit card, debit card or pre-paid card. Requiring only these methods of payment are for the safety of the consumer, the agency and the account owner. Ms. [redacted] was also given two different addresses at two different point because as the manager tried to explain on the calls one was for the agency, one was for the processor. All payments are handed by the processor, not the agency, again this is done for security reasons. Finally, as with most collection agencies, in order to make the required volume of calls any call center needs a large volume of phone lines. These lines come with individual phone numbers and quite often show those different numbers on the phone display. Multiple numbers is very common in a call center environment.JTM apologizes for any confusion or misunderstanding that Ms. [redacted] had regarding the process of repaying her account. The account is currently on hold awaiting the arrival of the money order. If [redacted] does not receive the money order within 30 days from today(12/27/2017), [redacted] will close the account and return it to JTM. Ms. [redacted] is welcome to contact JTM directly for any further clarification at  [redacted]

Revdex.com:
I will consider this case closed but would love to address the fact that I did not mention my husband's account during the call. My husband had already reached out and was given the same information earlier that morning so I considered that matter to be resolved. That is the reason why I did not bring up my husband's account. If the gentleman would have asked, I am sure I would have updated him of that fact. Please do not assume things if you do not ask. Regards, [redacted]