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:11/06/2024

  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 keep getting calls people stating they are from this company asking me to verify my identity. I have repeatedly told them to contact me via US mail as I do not provide personal information over the phone. I have checked my credit report and do not find anything that would indicate that I should be contacted by a collection agency.
  
  Without a written communication from this company that indicates that I have debt owed. I request no further contact.

  

  Business Response

  Date: 11/15/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ******* *******’s past due invoice in the amount of
  $800.00 was assigned to SIMM Associates for collections by Pacific Pulmonary
  Services on October 14, 2024.
  Based on the information provided by Pacific Pulmonary
  Services at the time of placement, the balance owed is associated with services
  rendered on January 29, 2024 and the description of services provided is PAP
  MACHINE AIRSENSE 11 AUTO W/HUMID&CLIMATE 1/EA.
  Ms. ******* states in her complaint that SIMM
  Associates representatives are calling her and requesting that she provide
  information to verify her identity. She further goes on to state in her
  complaint that she has repeatedly requested that we contact her by US mail as
  she will not provide personal information over the phone. Our representatives
  are required to authenticate with whom they are speaking as to avoid disclosing
  account information to an unauthorized third-party. If Ms. Derkson is
  unfamiliar with the matter that SIMM Associates is attempting to resolve, we
  would encourage her to contact Pacific Pulmonary Services directly.
  Due to this complaint, we have closed her account
  within our office and forwarded it back to our client. Ms. ******* will receive
  no more communications from SIMM Associates. Should she have any questions she
  may contact *** ******** ** *********************** ** **** ** *************** ********* *****  
  Thank you.

• Initial Complaint

  Date:10/30/2024

  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 received an email from this company however they misrepresented themselves. They changed the name of the company to appear that it came from a different company. I probably got calls and texts from spoofed numbers which were probably them. I want to be removed from their list and not be contacted from them ever again.

  

  Business Response

  Date: 11/07/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ****** *****’s complaint states he received an email
  from our company where we misrepresented ourselves. He also claims he probably
  got calls and texts from spoofed numbers as well. He would like no further
  contact.
  We contacted Mr. ***** in regards to a delinquent
  medical bill with our client Summit Health Management LLC on behalf of NJ
  Urology. The dates of service were May 14, 2024 and June 4, 2024 and the
  provider was John Sanzone. The balance at the time of placement on October 29th
  was $493.19.
  If Mr. ***** has any further concerns or inquires in
  regards to these delinquent balances he must contact Summit Health Management
  LLC directly.
  Due to this complaint, we have closed his account
  within our office and forwarded it back to our client. Mr. ***** will receive
  no more communications from SIMM Associates. Should he have any questions he
  may contact **** *********** **  ************************ ** **** ** *************** ********* ***** 
  Thank you.
  
  

• Initial Complaint

  Date:09/20/2024

  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 am not liable for this debt with SIMM Associates, I do not have a contract with Southwest Credit Systems,
  LP, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 10/01/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ******** *****’s complaint states he is not liable for
  this debt as he has no contract with Southwest Credit Systems. Mr. ***** also
  claims he was not provided with the original contract as requested. He would
  like this account be removed from his credit report.
  We received Mr. *****’s debt from our client KIA
  Finance America/Hyundai Capital America on June 6, 2024 in regards to a
  deficiency balance on his repossessed 2022 KIA Forte. The balance owed is
  $12,721.59.
  Since the account’s placement in our office, we have
  had no contact with Mr. *****. We show no record of his requesting the original
  contract. Also, SIMM Associates has no business relationship with Southwest
  Credit Systems.
  It seems Mr. *****’s complaint is more about debt
  validation rather than SIMM Associates collection practices. We would recommend
  he contact KIA Finance America/Hyundai Capital America directly with his
  inquiries and concerns.
  Due to this complaint, we have closed his account
  within our office and forwarded it back to our client. Mr. ***** will receive
  no more communications from SIMM Associates. Should he have any questions he
  may contact **** *********** **  ************************ ** **** ** *************** extension 2011. 
  Thank you.

• Initial Complaint

  Date:09/01/2024

  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 received the attached letter from a SIMMS Associates, alleging that I had not made payments for $4283.84 to Ascent Funding. I have a student loan for my daughter, Katrina Warren ( who has also being sent to collection) which have been paid every single month, always for an amount higher than the minimum required. Furthermore I did not received any letter advising of any lack of payment, the first notice I had was the attached letter. They said that if I thought there was a mistake I could contact them. I did, in writing on July 17 2024 but never got an answer. I have called SIMMS Associates 4 times since then, but only got a recording saying that I can leave a message. The messages has never being answered. I have extensively talked to Ascent and they say they have no record of any lack of payment and essentially they don’t know anything about this collection. However it is on my credit record as well as on the one for my daughter, Katrina Warren which is tremendously harmful. I request an immediate correction. Thank you

  

  Business Response

  Date: 09/10/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ******* ********’ complaint states she received a
  letter from our company for a past due student loan in the amount of $4,283.84.
  Ms. ******** feels this account is not past due and claims payments have been
  made on time. She also states that she has called our office four times and
  only ever gets a recording. She would like her credit report corrected.
  This account was placed in our office on July 2, 2024
  by the debt owner Ascent Education Funding Trust 2024-A. Ms. ******** is the
  co-signer on this account for her daughter Katrina Warren. We have had two
  conversations with Ms. Warren. The first was on July 16th with Ms.
  Warren in which she said she would have to speak with her mother about setting
  up payments. We never heard back and continued our efforts to reestablish
  contact. On August 19th Ms. Warren called our office and stated
  there was confusion on why there was a past due balance as payments should have
  been made.
  Based on the content of Ms. ********’ complaint, it
  would appear that she needs to contact Ascent Education Funding Trust 2024-A
  directly as her concerns are more with billing/payment issues prior to being
  placed with SIMM Associates than our collection efforts. Additionally, SIMM
  Associates is not reporting this matter to the credit bureaus, so we would
  encourage Ms. ******** to contact the debt owner directly for assistance with her
  concerns. They may be reached at 877-209-5297.
  Due to this complaint, we have closed her account
  within our office and forwarded it back to our client. Ms. ******** will
  receive no more communications from SIMM Associates. Should she have any
  questions she may contact ***** ***** **  *************************** ** **** ** *************** ********* *****  
  Thank you.
  

• Initial Complaint

  Date:08/12/2024

  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.

  On August 12, I received a phone call from a woman asking for NPPI in regards to a "personal business matter". She did not disclose what company she was with, or what company she was calling on behalf of. I asked 2 or 3 times what company she was calling from, and was advised that it was "financial services", and only received the name Simm Associates after asking numerous times. I advised I have no accounts with them, and asked who she was calling on behalf of when she stated they were collecting for another company and she would not disclose who they were collecting on behalf of; when I advised I had received no communication that I had an account with them and was not going to provide NPPI for verification, I was told "I have it all right here" and was advised she already has my date of birth and social security number. The woman I spoke with was rude and hostile towards me about my unwillingness to provide my NPPI, given the lack of transparency regarding who they were or why they were calling. Given my accounts are only just now moving into 90 days past due and have been in contact with all of my creditors about my temporary unemployment, I requested that they send me something in writing confirming who they were collecting on behalf of before asking me for NPPI. I am requesting that this business turn the account back over to my creditor for collection, and will be contacting the CFPB to file a formal complaint if contact continues without providing written verification via mail confirming who they are collecting on behalf of as this is in violation of the FDCPA. I will also be looking into the handling of the initial call, as I believe the failure to disclose the company, even when asked, and overall lack of transparency may also constitute a violation of the FDCPA.

  

  Business Response

  Date: 08/23/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  Lauren ****’s past due Ascent Bootcamp Loan, serviced
  by Launch Servicing, was assigned to SIMM Associates for collections on August
  6, 2024. At the time of assignment, Ms. ****’s account was past due for a
  payment of $1,493.69.
  Ms. **** states in her complaint that she received a
  call from a SIMM Associates representative on August 12, 2024 and that the representative
  requested NPPI. While Ms. **** has expressed her concern with being asked to
  provide personal information for verification purposes, our representatives are
  required to ask for this information to properly authenticate with whom we are speaking.
  This is done to reduce any risk of releasing information to an unauthorized
  third party.
  We have attached the credit agreement and the Federal
  Truth and Lending Disclosure for her review.
  Due to this complaint, we have closed her account
  within our office and forwarded it back to our client. Ms. **** will receive no
  more communications from SIMM Associates. Should she have any questions she may
  contact *** ******** at  *********************** ** **** ** *************** ********* *****  
  Thank you.
  

  Customer Answer

  Date: 08/30/2024

  Better Business Bureau:
  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me in regards to the handing off of my account.  But I am still highly concerned by the fact that the representative would not disclose the company she was calling from, became hostile with me for refusing to provide NPPI to an individual from an unnamed company, and became hostile over my request that they provide documentation.  It's also concerning that a collection agency believes the Truth in Lending Act is the "Truth and Lending Act", based on their response.  I may still be following up with the CFPB regarding the initial contact, especially since the company seems to be disregarding that portion of the complaint.  
  
  
  
  Regards,
  
  
  Complaint ID: 22132260

• Initial Complaint

  Date:06/19/2024

  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 received a phone call on 6/12/24 asking for my ex-husband. I asked for documentation as to who they were and for the debt claimed. Spoke to ******-she was rude, yelling, threatening and argumentative about what I was stating was "a lie" and she wasn't required to provide documentation of anything.
  
  I received another call on 6/19/24 after a vague e-mail stating who the business was on 6/12/24. I again asked for documentation of the debt claimed. She stated they didn't receive that and I was to reach out to the debtor myself. (In Virginia, this is false). She then began to raise her voice, threaten, attempt to intimidate me and tried to basically coerce me into unknowingly acknowledging the debt claimed.

  

  Business Response

  Date: 06/27/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  **** *******’s complaint states she received a call
  from our company for the purposes of locating her ex-husband, ***** ****. Ms.
  ******* feels our representative was rude and argumentative. She again received
  a call on June 19, 2024 at which time she asked for documentation on the
  account. She feels again that our representative was rude and tried to
  intimidate her into paying this delinquent account.
  We received ***** ****’s, co-signed by **** *******,
  delinquent Truist Bank consumer loan on May 7, 2024. Upon listening to the
  recordings in question we do feel our representative was not showing the
  characteristics that we train and develop at SIMM Associates. She could have
  provided a much better customer experience. However, we did not hear any
  threats or intimidating tactics as mentioned in this complaint. The
  representative in question was placed on corrective action and removed from
  working Truist Bank accounts going forward. We apologize for any inconveniences
  this may have caused.
  Due to this complaint, we have closed the account
  within our office and forwarded it back to Truist Bank. Ms. ******* will
  receive no more communications from SIMM Associates. Should she have any
  questions she may contact **** *********** **  ************************ ** **** ** **************, extension 2011. 
  Thank you.
  
  

  Customer Answer

  Date: 07/02/2024

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 21872474
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:03/13/2024

  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 am receiving NUMEROUS daily text messages from SIMM Associates - Debt Collector on my cell phone. Messages say:
  
  SIMM Assoc-Debt Collector: Log in at sclk.me/SIMMpay or call 855-427-8739 to review reduced pmt offer. Re: SIMM #20612648. Reply STOP to opt out.
  
  I do not have any debts in collections, I have verified this in my credit reports. I have not received any letters of debt or collections in the U.S. mail attempting to collect a debt. I have replied to these texts STOP to opt out and the text messages continue to be sent to me. This is harassment. If there is a legitimate reason for contacting me, please mail a letter to my residence but I have verified via all 3 credit bureaus that there are zero collections associated to my credit. Please see attached text from this morning.

  

  Business Response

  Date: 03/22/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ******** *****’s past due Klarna account was assigned
  to SIMM Associates for collections on March 8, 2023. Based on the records
  provided by Klarna, the outstanding balance owed at time of assignment was
  $89.63 and represented the amount owed as a result of a purchase(s) made on
  February 24, 2022 via etsy.com. The product description was “excellent
  condition Ricoh GR1s Film Camera LCD Partially Works”.
  Ms. ***** states in her complaint that she has been
  receiving text messages from our company. She claims she does not have any
  debts in collections and has not received any letters attempting to collect on
  a debt. Ms. ***** also claims she has replied STOP to these text messages and
  they continue. She would like no further contact.
  Since receiving her delinquent account in our office
  over a year ago we have made dozens of attempts to contact her via cell phone
  calls, emails and SMS texts. At no time has she responded to our efforts until
  filing this complaint.
  Also, in regards to her opting out of receiving
  further texts messages, she did not do this until March 14, 2024 at 9:13AM
  which is the same day we received this complaint.
  Due to this complaint, we have closed her account
  within our office and forwarded it back to Klarna. Ms. ***** will receive no
  more communications from SIMM Associates. Should she have any questions she may
  contact *** ******** at  *********************** ** **** ** *************** ********* *****  
  Thank you.
  

  Customer Answer

  Date: 03/26/2024

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  I reject the response from this business.  I have never opened a Klarna account and do not have any purchase history on etsy that matches what this business claims.  What is the etsy account name this purchase is under? I searched all the way back to 2020 and do not see anything matching the description this company is describing.
  
  
  Regards,
  Complaint ID: 21427010
   
  
  
  
   

  

  Business Response

  Date: 04/11/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  Jennifer *****’s past due Klarna account was assigned
  to SIMM Associates for collections on March 8, 2023. Based on the records
  provided by Klarna, the outstanding balance owed at time of assignment was
  $89.63 and represented the amount owed as a result of a purchase(s) made on
  February 24, 2022 via etsy.com. The product description was “excellent
  condition Ricoh GR1s Film Camera LCD Partially Works”.
  Ms. ***** states in her response that she still does
  not recall using the Klarna platform to make any purchases. Furthermore, after
  reviewing her purchase history on Etsy, she sees no match with the product
  description supplied in our initial complaint response.
  If Ms. ***** feels this is a case of fraud or would
  like to dispute the charges, she must contact Klarna directly for a resolution
  as this account is now closed with SIMM Associates due to this complaint.
  Should she have any questions she may contact *** ******** **  *********************** ** **** ** *************** ********* ***** 
  Thank you.

• Initial Complaint

  Date:03/04/2024

  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 waiting for months for the last payment I made to SIMM Associates to be reflected in my Klarna account. I keep calling SIMM Associates and they literally are no help. They say they're backlogged. They say call Klarna. Klarna, whom I trust far more, says there's nothing they can do even though I keep providing them the reference number SIMM Associates gave me to give to them. Klarna says they've received no word of my last payment. It has been nearly 3 months. Please figure this out so the debt is squared away.

  

  Business Response

  Date: 03/13/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ***** ****** past due Klarna account in the amount of
  $243.33 was assigned to SIMM Associates for collections on January 27, 2023.
  Based on the information provided by Klarna, the amount owed was associated
  with a transaction that was made on the www.etsy.com website on December 18, 2021. Our records indicate that on October 27, 2023,
  ***** ****** contacted our office to set up two payments, each for $66.92, to
  settle the account. The scheduled payments processed and posted on October 30,
  2023 and December 8, 2023. Funds collected were sent to Klarna for posting and
  we sent notification to Klarna that the account was settled in full.
  ***** ****** states in her complaint that she has been
  waiting for months for the last payment made to SIMM Associates to be reflected
  on her Klarna account. We have reached out to Klarna directly to assist with
  Ms. ****** concerns and received the following response from Klarna:
  Rile
  ****** past due Klarna account was assigned to SIMM Associates for collections
  on January 27, 2023 with an outstanding amount $243.33 owed.  Klarna has
  received 2 payments of $66.92 USD ($133.84 USD total) making this claim
  55% recovered. We have received the settlement closing status on February 23,
  2024 and the remaining amount is in progress to be removed.
  Should she have any questions she may contact *** ******** **  *********************** ** **** ** *************** ********* *****  
  Thank you.

  Customer Answer

  Date: 03/16/2024

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 21385374
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:02/19/2024

  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’ve been trying to call them to get a payment plan for $995 from applied bank but no one ever answers the phone. I want something stating that I owe the $995. I’m willing to pay but they don’t answer the phone and I don’t receive any calls from them.

  

  Business Response

  Date: 02/28/2024

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ******** ****’s complaint states she has been trying
  to contact us to set up a payment plan for her delinquent credit card bill
  totaling $995. She claims no one answers the phone. Ms. **** would like SIMM
  Associates to contact her so this can be resolved.
  We received Ms. ****’s account from our client,
  Applied Bank, on August 3, 2023. Since August we have attempted to reach her
  dozens of times via a letter through the USPO, emails, SMS/texts and calls. On
  August 22nd, Ms. **** set up recurring monthly payments from August
  through December for $165.92. The first payment declined. We spoke to her on
  September 8th at which time $45 monthly payments were set up
  beginning on September 28th. That payment also declined. On October
  2nd we again set up monthly reoccurring payments for $100 beginning
  on October 27th. That payment declined as well. We spoke to her on
  October 30th and once again set up payments of $100 per month to
  begin on November 27th. This payment was set up as an ACH and was
  returned on November 30th. We spoke to Ms. **** on December 5th and she agreed to 4 payments $248.89 to begin on December 24th. Once
  again, this payment declined. On January 5th we spoke to Ms. ****
  again setting up payment arrangements with the first payment totaling $200 for
  January 19th. This returned NSF as well. We attempted to reach her
  two more times after this last payment attempt via SMS/text and received no
  response.
  As you can see, SIMM Associates has made every attempt
  to help Ms. **** resolve this debt. The issue is Ms. ****’s history of bad
  payments and not our communication efforts.
  Should she have any questions she may contact ****** ******** **  *************************** ** **** ** *************** ********* ***** 
  Thank you.
  

  Customer Answer

  Date: 03/04/2024

  Better Business Bureau:

  
  
  
  

  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

  
  

  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 21313266

  
   
  

  
  
  

   

  
  

   

• Initial Complaint

  Date:12/09/2023

  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'm not liable for this debt with simm associates Inc I do not have a contract with this collection agency they did not provide me with the original contract as requested.

  

  Business Response

  Date: 12/18/2023

  SIMM Associates, Inc. is a third-party collection
  agency.  SIMM does not purchase or own
  debt; it collects on accounts referred to it by debt owners.  It was founded and incorporated in 1991 in
  Newark, Delaware.  From its inception,
  SIMM has been dedicated to providing highly effective collection services to
  its clients, assuring always that the consumer is dealt with in a professional
  and appropriate manner.
  ********* ****** ********s complaint states that she
  is not liable for this debt as she does not have a contract with our company.
  Ms. ******* also claims that she requested the original contract from SIMM
  Associates. She would like this account removed from her credit report.
  We received Ms. ********s delinquent Credova Financial
  LLC account, now owned by our client Security Credit Services LLC, on September
  26, 2023. Since the account’s placement with our company, we have made numerous
  attempts to contact Ms. ******* with no success. She has not communicated
  verbally or in writing with us prior to receiving this complaint.
  Due to this complaint, we have closed her account
  within our office and forwarded it back to Security Credit Services. All credit
  reporting inquiries should be directed to them. Ms. ******* will receive no
  more communications from SIMM Associates. Should she have any questions she may
  contact J***** ****** **  ************************** ** **** ** *************** ********* ***** 
  Thank you.
  

  Customer Answer

  Date: 12/19/2023

  Better Business Bureau:

  
  
  
  

  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

  
  

  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 20982228