Dynamic Recovery Solutions - Is This a Scam Company?

Dynamic Recovery Solutions, also known as DRS, is a collections agency based in Greenville, South Carolina. The debt collection agency was founded in 2008 and deals with consumers throughout the United States. Dynamic Recovery Solutions has received many consumer complaints claiming Fair Debt Collection Practices Act (FDCPA) violations. Some consumer reviews have accused DRS of threatening to take illegal action and making false statements or representations in pursuit of debt collection. Other examples of alleged violations include attempting to collect a debt not owed, threatening to contact an employer and sharing information improperly, and improper communication tactics.

Dynamic Recovery Solutions - Is This a Scam Company?

Nonetheless, Dynamic Recovery Solutions is not a scam and they are in fact an authorized debt collection agency. Businesses from many industries use DRS as a debt collector, however the agency primarily focuses in fields such as health care, student loans, banking, utilities, telecom, and retail. If Dynamic Recovery Solutions has contacted you, it is important that you learn your rights and how best to protect yourself before offering any response.

What Legal Actions Can Dynamic Recovery Solutions Take Against Me?

As a debt collector, Dynamic Recovery Solutions is not legally allowed to threaten to sue you, or threaten to garnish your wages. They are allowed to contact you via phone, text, or mail. However Dynamic Recovery Solutions cannot call you at inappropriate times including before 8 a.m. and after 9 p.m.

Though they are not allowed to threaten lawsuit or wage garnishment, if you do not pay a valid debt owed to them, Dynamic Recovery Solutions may legally sue you in a court. If they get a default judgement against you in court, the judgement will state the amount you owe and allow them to garnish your wages for that amount. If you owe a debt to Dynamic Recovery Solutions and are concerned with the possibility that they might garnish your wages, it would be wise to speak to an attorney before it gets to this point. Our attorneys have assisted countless consumers in fighting back against debt collector harassment and protecting themselves against wage garnishment. Contact us now to see if we can help you as well!

How Do I Stop Dynamic Recovery Solutions From Harassing Me?

The first step is to determine if Dynamic Recovery Solutions is in violation of your rights. Please refer to the following list:

  • Dynamic Recovery Solutions (DRS) is contacting you about about a debt which is not yours, or a debt amount which is more than you owe
  • DRS is unable to prove that the debt is owed by you
  • DRS is not authorized by the original creditor to collect the debt
  • DRS is making automated robocalls to your phone in order to collect
  • DRS is using inappropriate language, or trying to intimidate you.
  • DRS is accusing you of criminal behavior, or threatening to arrest you.
  • DRS is threatening you with negative credit reporting, lawsuit, or violence
  • DRS is calling you at work, or calling your friends, coworkers, and neighbors
  • DRS is calling you before 8 a.m. or after 9 p.m.
  • DRS is calling you many times per week

If any of the above applies to your situation, you can contact your lawyer or find one here.

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September 6, 2020 at 5:13 PM by
Dynamic Recovery Solutions - Is This a Scam Company?
an anonymous user from: Hackettstown, New Jersey, United States

SCAM OF A COMPANY! I've been fighting off this "company" and their false claims for 5 years. I'm not one to leave reviews on companies, yet alone super long ones, but this will be the exception because I really hope no one falls for the scams that this company tries to get away with people. So here we go...

Back in 2014 I ran my credit report and my credit score was much lower than the range I thought it would be. This was because I had a $915 collections amount on there that I had no idea what was about. When I dug deeper into it I found out it was from this company. When I called them back then they said it was from an ER visit at a hospital from back in December 2012, so two years prior. It was a total BS of a charge/claim considering I was never a patient for anything at that hospital, let alone at the ER there. That hospital was actually 1 hour from where I lived at the time. So I mailed in a dispute letter to them and gave them time to take care of it. A few months later I checked my credit report again and it wasn't on there anymore, so I thought the issue had been resolved and that was that.

Then in 2016 I received a letter from them in the mail. Mind you, I had moved addresses from the time I wrote my dispute letter last time to where I lived this time. But they somehow found my new address and mailed me a letter. They claimed the same exact thing...$915 collections amount from an ER visit. Because I knew 100% that this charge was not something I ever did, I disputed the letter again, also stating in the letter that I had already disputed this and resolved it before. Even though this was my second time disputing this and I thought seeing this charge again was weird, I wasn't crazy suspicious at this point and just disputed it again without looking up the company. I should have known better.

Fast forward to last summer 2019, I received yet ANOTHER letter in the mail from them! Again, same charge, same amount, same mysterious ER hospital visit. I thought ok now this is getting out of control and something's up. I called them and they gave me the run around no solid information on what was going on. I even called the hospital that they said the charge was from and a bunch of other numbers that were given to me and I confirmed that there was nothing on file for my name. After explaining to them that this wasn't me, it's been 5 years of disputing this now, and all the other details...the person I spoke with on the phone said they would mail me a "dispute package" within 7-10 days and to dispute the charge that way instead of through another letter. The 7-10 days passed and I get something in the mail from them, but instead of it being a dispute package it was a letter saying, "Thank you for your recent contact concerning your account...blah blah blah...here's the amount you owe us." So basically just another letter trying to charge me yet again and absolutely nothing about disputing the charge. But what was interesting about this letter is that they also attached what they had on file as for my personal information and it was all completely false. They had my previous address, phone number, birthday, primary doctor...all wrong. The only thing accurate on this letter was my first and last name. I obviously didn't pay the amount and mailed in yet another dispute letter along with a threat that if I see or receive one more thing from them and if they do not completely take me out of their system that I would be contacting my lawyer and seeking legal action.

I'm going through some papers now and just came across the letters I received from them last summer and realized I never wrote this last summer when I meant to. I ran my credit report today and nothing is coming up on my credit report from them. So up until now I haven't received anything else from them, but judging from their pattern of every 2-3 years, I wouldn't be surprised if I receive another letter in the future.

From the looks of it they have done this and continue to do this to hundreds, if not thousands, of other people. I see that many people/reviews on here have complained about relentless phone calls from them. I've never received any phone calls from them, all communication from them has been via postal mail. I have absolutely no idea how they got my information or where they are coming up with this never disappearing charge, but it's incredibly frustrating and definitely illegal what they're doing. How they're getting away with this is beyond me! If I ever receive anything from them again I'll be contacting my attorney and seeking legal action for sure.


December 27, 2019 at 6:52 AM by
Dynamic Recovery Solutions - Is This a Scam Company?
an anonymous user from: New York, United States

They call me all the time and I would love to speak to them about why, but every time I answer they hang up and never even acknowledge me. I have tried calling them and I get sent to voicemail leave a message and when they call me back they hang up. Vicious cycle what love to get them to leave me alone, this was very helpful to read and understand that they should be able to provide proof, what if they can’t?


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Pay the safest way

Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to $50 if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly.

Guard your personal information

In any transaction you conduct, make sure to check with your state or local consumer protection agency and the Better Business Bureau (BBB) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a website’s contact information to make sure the number legitimately belongs to the entity you are dealing with.

Be careful of the information you share

Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with

Know who you’re dealing with

Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Don’t provide your credit card or bank account number unless you are actually paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has.

Check your accounts

Regularly check your account transactions and report any suspicious or unauthorised transactions.

Don’t believe promises of easy money

If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, it’s probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true.

Do not open email from people you don’t know

If you are unsure whether an email you received is legitimate, try contacting the sender directly via other means. Do not click on any links in an email unless you are sure it is safe.

Think before you click

If an email or text message looks suspicious, don’t open any attachments or click on the links.

Verify urgent requests or unsolicited emails, messages or phone calls before you respond

If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

Be careful with links and new website addresses

Malicious website addresses may appear almost identical to legitimate sites. Scammers often use a slight variation in spelling or logo to lure you. Malicious links can also come from friends whose email has unknowingly been compromised, so be careful.

Secure your personal information

Before providing any personal information, such as your date of birth, Social Security number, account numbers, and passwords, be sure the website is secure.

Stay informed on the latest cyber threats

Keep yourself up to date on current scams by visiting this website daily.

Use Strong Passwords

Strong passwords are critical to online security.

Keep your software up to date and maintain preventative software programs

Keep all of your software applications up to date on your computers and mobile devices. Install software that provides antivirus, firewall, and email filter services.

Update the operating systems on your electronic devices

Make sure your operating systems (OSs) and applications are up to date on all of your electronic devices. Older and unpatched versions of OSs and software are the target of many hacks. Read the CISA security tip on Understanding Patches and Software Updates for more information.

What if You Got Scammed?

Stop Contact With The Scammer

Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back.

Secure Your Finances

  • Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions.
  • Notify the three major credit bureaus. They can add a fraud alert to warn potential credit grantors that you may be a victim of identity theft. You may also want to consider placing a free security freeze on your credit report. Doing so prevents lenders and others from accessing your credit report entirely, which will prevent them from extending credit:

Check Your Computer

If your computer was accessed or otherwise affected by a scam, check to make sure that your anti-virus is up-to-date and running and that your system is free of malware and keylogging software. You may also need to seek the help of a computer repair company. Consider utilizing the Better Business Bureau’s website to find a reputable company.

Change Your Account Passwords

Update your bank, credit card, social media, and email account passwords to try to limit further unauthorized access. Make sure to choose strong passwords when changing account passwords.

Report The Scam

Reporting helps protect others. While agencies can’t always track down perpetrators of crimes against scammers, they can utilize the information gathered to record patterns of abuse which may lead to action being taken against a company or industry.

Report your issue to the following agencies based on the nature of the scam:

  • Local Law Enforcement: Consumers are encouraged to report scams to their local police department or sheriff’s office, especially if you lost money or property or had your identity compromised.
  • Federal Trade Commission: Contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or use the Online Complaint Assistant to report various types of fraud, including counterfeit checks, lottery or sweepstakes scams, and more.
  • Identitytheft.gov: If someone is using your personal information, like your Social Security, credit card, or bank account number, to open new accounts, make purchases, or get a tax refund, report it at www.identitytheft.gov. This federal government site will also help you create your Identity Theft Report and a personal recovery plan based on your situation. Questions can be directed to 877-ID THEFT.

How To Recognize a Phishing Scam

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Or they could sell your information to other scammers. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.

Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages:

Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. You might get an unexpected email or text message that looks like it’s from a company you know or trust, like a bank or a credit card or utility company. Or maybe it’s from an online payment website or app. The message could be from a scammer, who might

  • say they’ve noticed some suspicious activity or log-in attempts — they haven’t
  • claim there’s a problem with your account or your payment information — there isn’t
  • say you need to confirm some personal or financial information — you don’t
  • include an invoice you don’t recognize — it’s fake
  • want you to click on a link to make a payment — but the link has malware
  • say you’re eligible to register for a government refund — it’s a scam
  • offer a coupon for free stuff — it’s not real

About Online Threat Alerts (OTA)

Online Threat Alerts or OTA is an anti-cybercrime community that started in 2012. OTA alerts the public to cyber crimes and other web threats.

By alerting the public, we have prevented a lot of online users from getting scammed or becoming victims of cybercrimes.

With the ever-increasing number of people going online, it important to have a community like OTA that continuously alerts or protects those same people from cyber-criminals, scammers and hackers, who are every day finding new ways of carrying out their malicious activities.

Online users can help by reporting suspicious or malicious messages or websites to OTA. And, if they want to determine if a message or website is a threat or scam, they can use OTA's search engine to search for the website or parts of the message for information.

Help maintain Online Threat Alerts (OTA).

Dynamic Recovery Solutions - Is This a Scam Company?