Investment Retrievers Inc IRI Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Investment Retrievers Inc IRI
Investment Retrievers Inc or IRI is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is Investment Retrievers Inc – IRI?

Investment Retrievers Inc or IRI is a third-party debt collection agency based in Northern California. IRI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by Investment Retrievers, make sure you understand your rights before responding.

According to the Better Business Bureau (BBB), Investment Retrievers, Inc. was founded and incorporated in 2001. The BBB established IRI’s profile page in 2003. IRI is listed as a collection agency. Buzzfile estimates IRI’s annual revenue at $6.5 million, and the size of its staff at 45 employees.

According to its website, Investment Retrievers, Inc is “a financial services firm…that works with creditors to provide a reliable partner for the divestiture of accounts receivable portfolios…by providing a compliant solution focused on assisting consumers with resolving outstanding accounts.” IRI’s mission is “to provide compassionate solutions for consumers to successfully satisfy their financial obligations, to offer realistic solutions focused on the consumer’s situation, and to assist them in reaching their financial goals.”

IRI’s website does not provide a lot of detailed information about its business practices. Instead, their Services page offers generalized descriptions of ISI’s collection methods. For example, ISI “offers creative deal structures for our creditor partners with single transactions or forward flow arrangements that create predictable cash infusions at scheduled intervals.” They also do not provide specific details about the types of creditors for whom they collect delinquent accounts, stating simply that they “have experience working with creditors of all shapes and sizes, from sole proprietors to international banking institutions.”

As for regulatory compliance, Investment Retrievers, Inc has “deployed the ComplyARM Dashboard Compliance Management System” to stay “on the cutting edge of compliance technology and maintain a minimal risk profile for…creditor partners.” Their Consumer Resources page provides a link to a helpful portal through which site visitors can easily file any of a number of federally mandated complaints or information requests. They also provide links to several consumer protection resources, including the Consumer Financial Protection Bureau (CFPB).

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Investment Retrievers Inc – IRI?

The Better Business Bureau (BBB) has closed 14 complaints against Investment Retrievers, Inc in the preceding 3 years, with 3 complaints closed in the past 12 months. All of those complaints allege problems with billing and collections. As of April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 14 complaints against IRI. Justia lists at least 11 cases of civil litigation involving Investment Retrievers, Inc.

Can you help me file a No Fee Lawsuit against Investment Retrievers Inc – IRI?

Absolutely. Here are some Sample Cases against Investment Retrievers Inc

In January 2018, in United States District Court for the Eastern District of California, a judge issued an Order in a case alleging Investment Retrievers, Inc had violated certain provisions of both the federal and state Fair Debt Collection Practices Acts (FDCPA). In this case, the plaintiff received a debt collection letter from Investment Retrievers regarding a delinquent auto loan. The letter stated, in part, that IRI “now holds title to your vehicle. We understand that you are still in possession of your vehicle.” In fact, at the time he received the letter, the plaintiff was not in possession of his vehicle. IRI subsequently sent a second letter to the plaintiff indicating there had been a clerical error and apologizing for the inaccurate statement. Regardless, the plaintiff filed a complaint that IRI had violated both federal and state FDCPA laws prohibiting the use of false or misleading language in an effort to collect a debt. Specifically, the plaintiff charged that Investment Retrievers, Inc violated Sections 1692e and 1692f of the federal FDCPA. Section 1962e prohibits the use of “any false, deceptive or misleading representation or means in connection with the collection of any debt;… the false representation of the character, amount, or legal status of any debt; …the use of threats to take illegal action, or action not intended to be taken; …and the use of false representations or deceptive means to attempt to collect a debt or consumer information.” Section 1692f prohibits the use of “unfair or unconscionable means to collect or attempt to collect any debt.” In addition, California’s state FDCPA law contains provisions prohibiting false statements that are very similar to the federal law.

IRI’s attorneys argued that the plaintiff did not have standing to bring the civil action because the letter’s statement, although inaccurate and literally not true, could not have been interpreted by a hypothetical “unsophisticated consumer” as false and misleading enough to constitute a violation. The court disagreed, stating that the FDCPA was passed to ensure that collection agencies are prevented from engaging in conduct that is intended to intimidate or harass consumers. Although Investment Retrievers, Inc may not have considered the inaccuracy significant, the information was included clearly to influence the action of the recipient. The fact that the information was false led the court to make the determination that the law had been violated as a matter of fact, regardless of how serious the violation may appear to an outside party. IRI’s insistence that they had sent a letter acknowledging the error only certified the court’s decision to find in favor of the plaintiff. However, the court granted Investment Retrievers’s motions to dismiss charges under FDCPA 1692f, prohibiting the use of unconscionable means to collect a debt; and of the state FDCPA law, which contains a provision allowing collection agencies to escape liability if they correct errors in written notices within 15 days.

Contact Information

Investment Retrievers, Inc.
950 Glenn Drive, Suite 160
Folsom, CA 95630
Telephone: (888) 610-4701

Investment Retrievers Inc IRI Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Investment Retrievers Inc IRI Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Read more about your rights

What Our Clients are Saying

“Every e-mail sent or phone call made to your firm was answered not only promptly, but virtually immediately. Mr. Hirnyk patiently explained every legal concept – including what was possible and what was not – under existing state and federal consumer law.”

“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”

“Know that Sergei, and your firm did a good thing. You took on a big company for little people and righted a wrong. For this we are grateful.”

“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”

Can You Help Me Delete Investment Retrievers Inc IRI from My Credit Report?

We can absolutely help. Call us today.

Can Your Firm Help me Deal with Investment Retrievers Inc?

The short answer is yes. Contact us now to find out more.

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Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • SG

    I found out I was sued by Investment retrievers and I was never served??? I don’t know how they lied to the court that I was served and got a default judgement against me for $17000 on a car loan that from Nissan who I surrenderd the car after I had it 2 months due to a divorce. I called them and they said they wanted $500 a month or they would garnish my wages. Well, I told them I could not pay that much and they said they would proceed. They put a freeze on my bank account and now i cannot use my bank. They are a nightmare since they sued me and never served me. How can they get a 2016 car back in two months and the car was bought for $16,000 and then I was sued for $16,000 and a hold on my bank for $24,000 HELP!

  • Marita c

    I am being harassed by investments retrievers I purchase a car in 2015 and it got repossessed in 2016 and they keep email talking about a judgement they received on me in the state of texas. They are trying to put my on a payment plan they pulled my credit I am a single parent of three I just need some help

  • Domingo

    I was sued in 2016 while going threw a separation that lead to a divorce. In that time IRI sued me apparently and won. I was not in a good place at that time. I feared that they could garnish my wages and put a lean on my home which is what they told me. So I made payments arrangements and at time could not make payments to which they said I was breaking payment arrangements and tacked on interest. I spoke to them just a day ago and told them I was struggling and of they could take a 100 dollars. I was told that I should barrow money from someone family, friends, to which I wound up borrowing money to make 1500$ down payment. It feels as tho I’m never making a dent.

  • Stephanie (

    IRI sent me a lawsuit notice concerning a vehicle that was repossessed. They told me they can lawfully put a lien against my property. Haha!! They also stated that they have the right to pull my credit every 6 months. I will file a dispute, either settle in court. This company is definitely in violation!!!

  • Maria L

    I was being sued by IRI but instead chose to negotiate a couple of days before I was due to appear in court. I felt like I had no other chose since I did not want to go to court. However now I am having second thoughts because I still have not received paperwork on when my last payment would be due and also when I asked if there was a website that I could view my payment transactions I was told that is not possible. I asked for a statement of my payments and was told they do not provide statements. I could be paying this company forever.
    Your quick response is appreciated.

  • Steven

    They obtained my credit report without my authorization

  • Jermaine G

    I am being sued by IRI and want to know what I Can do.

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