Rentco

We have received Ms***'s complaint through your office.Contrary to Ms***'s complaint, we have had no prior notice that our credit report on her account was inaccurate.We updated Ms***'s credit profile to show discharged bankruptcy in June Although very uncommon, the credit bureaus did not update the bankruptcy status properlyWe have no explanation for that errorWe have corrected Ms***'s credit profile to show our report as a discharged bankruptcy rather than bankrupt.We trust this will conclude this matter.Yours truly, [redacted] Manager

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The original conversation with the representative from Alternative Recovery Management was clear They were to charge my account $ I called to speak with accounting and was given the run around by the representative and eventually transferred to her personal voice mail as I waited more than minutes to speak with accountingMy bank was not able to reverse the chargesI filed a claim with the bank It was not until I encountered the unpleasant interaction on the phone with two representatives of this company that I contacted youI was not comfortable with the way I was being treated I decided not to spend my time that way I spoke with my bank and they have not gotten a response from the company I have not received the $that was taken from my account Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have read and somewhat agree with Mrs [redacted] 's response, however; I was promised a copy of all my transactions and I have not received it I called over to ARM and spoke with Mrs [redacted] and personally gave her my email address to send them to I have made it VERY clear to Mrs [redacted] and to Mr***, I WILL NOT PAY ANOTHER PENNY ON MY ACCOUNT WITHOUT SEEING WHERE ALL OF MY PREVIOUS PAYMENTS HAVE BEEN APPLIED TO Yes, I have copies of my bank statements of all my payments, but that is not what I am asking for I KNOW what I paid, I want to KNOW WHERE IT WAS APPLIED When I stated I would pay in January, that was under the impression that Mrs [redacted] would be sending me a breakdown So honestly, speaking of being quite shocked, I was quite shocked to be brushed off yet once again I thought for sure Mrs [redacted] would be able to assist me with this, as she was SHOCKED that I had never received a receipt for any of my payments What kind of collection or billing company does not keep a running record of payments to provide to the client? Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

We have received Ms***'s complaint through your office.We have been dealing directly with Ms [redacted] to resolve her concerns and issuesaddressed in her complaintWe believe we have reached a mutually agreedresolution with Ms***.We trust this will conclude the matter.Your Truly,*** ***Compliance Manager

Dear Ms***;We have received Mr [redacted] 's complaint through your office.Mr [redacted] purchased a membership to the resort, [redacted] ***, in We received Mr [redacted] 's account on September 19, for unpaid maintenance feesMr [redacted] was sent a notice advising him he had days to dispute the debt and request verification of that debtNo request was receivedIn either case, Mr [redacted] is well aware of the membership and the yearly feesMr [redacted] paid those fees up to [redacted] has added subsequent yearly unpaid maintenance fees to his balance.We have noted our files to no longer contact Mr [redacted] In order to change the report on his credit profile we would suggest he contact this office and negotiate a settlement to deed back the property to [redacted] ***.We trust this will conclude this matter.Yours truly, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Dear Ms***, I will first give some background for you and Alternative Recovery Management (ARM)This bill that is in question are HOA fees onlyI bought the property about Jun and was paying my dues until the original [redacted] broke the contract by not completing buildings they agreed to in the contractThis is proven by going to their website at [redacted] Property Association where they admit their short comings, not my buyers remorse; [redacted] , I will summarize here:"There were several issues that needed to be corrected in the original Covenants, such as Amenities that had never been constructed and roads that had never been paved by the original Developer." This was not immediate but I waited until about for them to complyAfter repeated noncompliance and "rumors" of embezzlement by the then current HOA board members, I contacted them on the phone and sent them a letter that I was no longer a member and no longer paying the HOA dues because they did not meet the conditions of the original covenantI do not have a copy, but please remember this was and a photocopy was not common or easily obtainedI was actually told on the phone when I contacted them to stop making [redacted] payments because the [redacted] was in turmoil and [redacted] was being soldI NEVER heard from [redacted] again until EvidenceI contacted them again and restated I would NOT pay them because they broke the contract My problem with ARM is all the inconsistenciesIf you look at the first notice they had a Law Firm send to me in 2004, Evidence2, you will see the account number assigned to me is [redacted] for $plus $in interest for a total of $ARM contacted me and I told them the situation with [redacted] and I would not payARM said they would report me to the credit agencies for nonpayment, so they did in If you look at the next communication ARM sent me on 9-16-14, Evidence3, the account assigned to me has in fact changed to [redacted] for $plus $in interest for a total of $The amount in Evidencedoesn't make sense for the year difference if you continue to add charges as ARM claims [redacted] did, or even if its a new bill, the amount would not be reflective of a year billTo add to the problems with ARM they sent only a partial itemized bill instead of a full itemized bill that was asked for, EvidenceFirst notice the [redacted] address block at the top right was obviously not original to the document because it's crooked, it clearly was added to the documentThere are no charges shown for HOA dues as Evidenveshows, just "Other" charges of $and interestIt doesn't show a water fee as the original did in Evidenceand has a section for itYou will also notice that no previous document from Evidenceto Evidenceshowed any penalty, but now showing penalty fees in EvidenceI do not believe this to be a genuine, accurate, and true itemized billThe bill even shows an apparent adjustment with no reasoningThe date of 9-10-13, the date of the adjustment, is the only date that is properly filled in and coincides with when ARM started contacting me again about the [redacted] bill Last but certainly not least, Evidenceshows an excerpt from my [redacted] credit report that ARM incorrectly reported or misled the credit agency and reported the last payment made was 03/01/2012, I have NEVER made a payment since 1992, AGAIN NEVERI challenge ARM to show proof of a payment by me on any dateARM also reported the ORIGINAL amount as the amount in Evidence3, the original amount was in Evidence2, but ARM already reported that so they had to change the account number and report Evidenceso that it wasn't the same bill even though it was a continuation of the same bill(ARM admitted this in their email reply to the Revdex.com) and that is not allowed by the credit agencies From my understanding, the statue of limitations for unpaid debt in [redacted] is years from the last payment madeFive years from has long since passed and I personally have not heard from [redacted] since and years from that has also long since passedI also am not in any "covenant" with [redacted] and haven't seen any communication claiming otherwise since we parted ways in In conclusion, you will notice that ARM didn't explain anything about the account numbersAs a matter of fact when ARM stated, and I quote, " [redacted] has assigned new charges that have accumulated since the initial assignment in 2004.", ARM is admitting the ORIGINAL assignment was in 2004, they reported it to the credit agency, they added the new charges years later, and reported AGAIN to the credit agencyYou cannot report a duplicate debt which is why ARM had to change the account numbers as stated above Also, how can a bill from be $and ten years later after "accumulation" be $As a final note, please ask ARM to show proof of last payment they reported to the credit agency as shown in Evidence Thank You, [redacted] Regards, [redacted]

We are curious how the conversation between Mr [redacted] and the original creditor came up as to whether the bill would be placed for collection unless they were advised the bill would not be paidAlso, we are confident our client sent several statement to Mr [redacted] showing a balance was due during the seven months prior to be being placed for collectionIn May 2015, a notice from this agency was sent to Mr [redacted] advising him that his account had been placed for collection and advising him as to when the debt would be reported to the credit bureausFurther, we have no one at this office by the name of ***All incoming calls to this company receive a recorded informing the caller that the call may be recordedMr [redacted] ' statement that he was not informed of a recorded call is inaccurateMr [redacted] called this company on Oct 19, and satisfied the debtIt is unclear why he states October 30thIn either case we have reported this account as paid to the credit bureausWe do not believe any other compensation is necessary.We trust this will conclude this matter.Yours truly, [redacted] Manager

We have received Ms [redacted] 's continued complaint through your office.We are providing you a copy of the chargeback notice showing that Ms [redacted] 's credit card payment was reversed contrary to Ms [redacted] ’s statement.No evidence of fees incurred due to the credit card transaction have been supplied to us by Ms [redacted] ,We deny any mistreatment to Ms [redacted] The credit card transaction for more than the $is an apparent misunderstanding which was rectified in one day.We trust this will conclude this matter.Yours truly, [redacted] Manager

We have reviewed the consumers complaintWe have provided to the consumer their payment history, as well as confirmed in writing that we have changed their account representativeIf they have not received the letter via USPS, they should be receiving it any dayWe have also confirmed
that the credit reporting that we sent to the credit bureaus is accurate

We have received Ms*** complaint through your officeWe vehemently deny any use of improper or profane language to Ms***,This matter has been settled with the consumer.We trust this will conclude the matter.Yours truly,*** ***

On 12/29/2016, Ms*** contacted our office and spoke with me (*** ***) regarding her concernsDuring the call I explained to Ms*** how payments have been applied to the account and how quarterly dues were added to the accountMs*** said she understood and that she had planned to pay the remaining amount in JanuaryThe call was ended in a great tone, or so I thought and to be honest, I am quite shocked that Ms*** is still unhappy with the situationAll of Ms***'s payments to us were made by debit/credit card, therefore Ms*** should have all receipts of payments on her credit card statementsAll payments were applied to the only account we have, (Mountain Lakes Resort)Ms*** had made a promise to retire the balance owed on the conversation with me but has failed to do soWe believe this could be her reason for continuing her complaint through the Revdex.comFurther, Ms*** appears to now be unwilling to cooperate in the resolution of this matter. Yours truly, *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint
One must wonder why Mr *** doesn't just simply provide documentation if any of what he says is trueMr*** claims I was sent a notice, but will not provide any verifiable evidence that such a notice was ever sent or receivedMr *** claims I owe money for a membership to *** *** ***, but is unable to produce any sort of signed membership agreement that would easily verify his claimThe fact of the matter is that no such documentation existsMr*** claims I need to "deed back the property to *** *** ***", yet no such property deed existsI suspect such a thing would be public record and easy enough to findFurthermore, why does Mr*** reference a membership in one portion of his response and deeded property in another? Which is it? If this was an accurate, verifiable debt, Mr*** should well knowInstead it seems like he's making up the facts as he goes along, as also evidenced by his ridiculous 600% increase in the amount he claims I owe since I began asking for written verification about two months agoIt's quite obvious that he's attempting to bully me into settling by dramatically increasing the amount he says I oweThe law is clear that unverifiable debts must be removed from credit reportsThat responsibility begins with the entity reporting it to the credit bureausAs Mr***' statement that they have "noted in our file to no longer contact Mr***" shows they have no intention of actually verifying any portion of their claim, the only satisfactory resolution to this complaint is for Mr*** or another employee of Alternative Recovery Management to immediately contact all three major credit reporting agencies to delete all instances of the account referenced in this complaint
Regards,
*** ***

Revdex.com of San Die soViewridae Avenue, Suite 200San Diego, CA 92123Attn: *** ***Re: *** *** #***Dear Ms***:We have received Mr***'s continued complaint through your office.We already explained how our client, *** ***, calculated the account balance sent tous.After further review and contemplation, we believe our client could have sought aforeclosure on the property rather than continuously accumulate fees and then forgivethose fees when the statute of limitations as metWe will cancel our collection effortson Mr***'s account and request deletion from the credit bureaus.We trust this will conclude this matter.Yours truly, *** ***Manager

Dear Ms***:We have received Ms*** complaint through your office.Ms*** contacted our office on October 1st, and we believe her concerns and issues have been addressed and resolved.We trust this will conclude this matter.Yours truly, *** *** Manager

Revdex.com of San Diego June 4, 2015*** *** *** *** *** *** ** ***Attn: *** ***Re: *** ***#***Dear Ms***:We have received Ms***' complaint through your office.One has to wonder, why did Ms*** give us her credit card number and
expirationdate if she did not want us to use it? Secondly, why did she complain to the BetterBusiness Bureau when a simple call to us stating that she had changed her mind and didnot want us to use her credit card would have been quicker for a reversal of the chargewe made.Upon receipt of this complaint through your office, we reversed the charge on Ms.***' credit card and called her to inform her of our action.No one acted in any manner that would merit dismissal of employment.We trust this wm conclude this matter.Yours truly,*** ***Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I have received no letter from the company or the collection service as of March 14,
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** *** **

We are curious how the conversation between Mr. [redacted] and the original creditor came up as to whether the bill would be placed for collection unless they were advised the bill would not be paid. Also, we are confident our client sent several statement to Mr. [redacted] showing a balance was due...

during the seven months prior to be being placed for collection. In May 2015, a notice from this agency was sent to Mr. [redacted] advising him that his account had been placed for collection and advising him as to when the debt would be reported to the credit bureaus. Further, we have no one at this office by the name of [redacted]. All incoming calls to this company receive a recorded informing the caller that the call may be recorded. Mr. [redacted]' statement that he was not informed of a recorded call is inaccurate. Mr. [redacted] called this company on Oct 19, 2015 and satisfied the debt. It is unclear why he states October 30th. In either case we have reported this account as paid to the credit bureaus. We do not believe any other compensation is necessary.We trust this will conclude this matter.Yours truly, [redacted] Manager

Dear Ms. [redacted];We have received Mr. [redacted]'s complaint through your office.Mr. [redacted] purchased a membership to the resort, [redacted], in 2005. We received Mr. [redacted]'s account on September 19, 2011 for unpaid maintenance fees. Mr. [redacted] was sent a notice advising him he had...

30 days to dispute the debt and request verification of that debt. No request was received. In either case, Mr. [redacted] is well aware of the membership and the yearly fees. Mr. [redacted] paid those fees up to 2010. [redacted] has added subsequent yearly unpaid maintenance fees to his balance.We have noted our files to no longer contact Mr. [redacted]. In order to change the report on his credit profile we would suggest he contact this office and negotiate a settlement to deed back the property to [redacted].We trust this will conclude this matter.Yours truly,[redacted]