Absolute Credit, LLC

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowPlease don't talk down to me about still owing this debtThis is the cease and desistDO NOT CALL ME EVERRegardless we are under Bankruptcy protectionSend a bill and no further communication-please Regards, [redacted] ***

Hi [redacted] ,We have received your complaint and have reviewed your accountThis account was sent to us for collection by the creditor in August and has been due since December Three payments have been made to the account since the balance was incurred over four years ago, through a payment plan you set up with us in October The collection supervisor contacted you to inform you that the payments had been declined for the past several monthsYou advised him that your bank account information had changedHe asked you to reset your payment plan with new payment information but you told him that you could not.Our representatives are trained to ask questions regarding income and expenses to try to figure out the consumer's ability and willingness to resolve the balance owed so that we may determine how to proceed, as well as provide assistance in budgeting and planning when requestedOur records indicate that you told the supervisor you couldn't make any more payments to the balance you owed because you sold your business and you were currently spending all of your money to start a new businessHe did question this, as only payments had been made in over years and the remaining balance owed is substantialHe pointed out that as a business owner you might not be happy if someone didn't pay a bill that was owed to you in favor of spending the money elsewhere, and it would be best to try to set up a minimal payment plan rather than no payment planOur records indicate that you became very upset and told him he was rude and his comments were inappropriateWe do understand that asking questions about someone's financial situation is a very personal matter and can often cause strong emotionsWe train our representatives to discuss income and expenses because it often results in our being able to better assist both the creditor and the consumerFor example, if a consumer were going through a temporary hardship and the creditor asked us to pursue litigation we would be able to counsel the creditor against it if we knew the situation was temporary and the balance would be resolved after the hardship passedWe have been able to assist many consumers in working out a long term plan and help both consumers and creditors avoid the unnecessary expense and stress of legal action with our policy of questions and discussion.Please be advised that our office will not contact you again regarding this accountYou may contact our office to discuss this account at any timeOur business hours are 8am-9pm Monday through Thursday and 8am-5pm on Friday and Saturday.Best regards,Absolute Credit LLC

Hi ***,We understand this is a difficult situation for you as it involved an accident and you have had to deal with hospitals, attorneys and a collection agencyWe did receive a voicemail message from you yesterday in which you stated you needed a call back or you would file a complaint, we tried to call back and then we received this complaint through the Revdex.com so we are responding through this methodOur records reflect that we communicated with you regarding this matter in March 2013, and we were directed to your attorneyWe contacted their office to discuss the matter and they advised this was an accident claim and they would send a check when the settlement came throughWe put your account on hold and were subsequently contacted by the hospital in June The hospital told us they were going waive this balance as charity careThe hospital then contacted us again a couple weeks later and advised that as it was an accident claim they could not waive the balance, and that we should keep the account in collectionsWe kept the account on hold (no contact) from June through this week.We have not received any further communication from you or your attorney in the past two years, and the hospital has not notified us of any payment received on this accountWe were given authority to offer 50% settlements on older balances for this hospital last week and we identified your account as one that might be interested in this offerWe placed one phone call to you yesterday morning to give you the good news about the settlement the hospital is offeringThe call was made by our collection manager on an open floor with his collection staff in close proximityOur records reflect that the call lasted less than two minutes and that you told him the balance was covered by free careHe tried to tell you what the hospital told us in 2013, and was going to tell you about the settlement offer which was the reason for our first call to you in almost years but you hung up on him too quicklyHe was genuinely surprised that a complaint was lodged against us based on this communicationIf you feel that this was handled by your attorney as you state in your complaint above, please contact their office to see what happenedWe will contact the hospital to ensure that they did not receive a payment that was not reported to our officeAt this point in time, based on the contact history and your complaint, we will not contact you again but you may feel free to contact our office to resolve this account.Best Regards,Absolute Credit LLC

Hello,We have received your complaint alleging that we have left voicemail messages disclosing confidential information at your place of employment, and further alleging that we have tried to avoid providing our physical addressThis account was placed with us for collection on 3/8/and we mailed a letter on 3/9/to the address you listed in this complaint, in order to notify you of who we are and our reason for contacting youPlease be advised that our client, the creditor, provided us with two phone numbers at which to contact youOne of the numbers is a place of business; we left a generic voicemail message for you on that phone the first time we called it (on 3/25/16)We tried that number one more time on 4/13/but did not leave a message as the voicemail identified a different person's nameWe have not called that phone number in over yearThe other number we have tried to reach you at is the phone number listed on this complaint and it has never been identified as a place of businessThe letter we mailed to you included all of our contact information, including physical address.We acknowledge your written request, in the form of this complaint, to cease all phone calls and to only communicate in writingWe also acknowledge your request for validation of this debt and you will receive it in the mail from us shortly.Best Regards,Absolute Credit LLC

Hi [redacted] ,We have received your Revdex.com complaint and reviewed this accountPlease be advised that the balance due is not owed to our company, as we do not purchase debtThe original creditor placed a balance with us for collection and has authorized us to pursue payment on their behalfOur records show that we have been trying to reach you by phone since FebruaryWe have previously mailed letters to the address you listed in this complaint; we will send another letter to you right awayPlease keep an eye on your mail for an envelope with our business name on itYou may contact us at 1( [redacted] to discuss this matter.Best regards,Absolute Credit LLC

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowI HAVE TOLD THE ATTORNEY TO SEND THE BANKRUPTCY PAPERS TO [redacted] AND I HAVE SPOKEN WITH THE REPRESENTATIVE AT ABSOLUTE CREDIT AND TOLD THEM TO CEASE AND DESIST FROM CALLING MECALLS WILL NO LONGER BE ANSWERED OR RETURNED Regards, [redacted] ***

Hi ***,You must have had a miscommunication with the FTC, as the allotted time for a business to respond to a dispute is definitely not daysThe credit bureaus must notify the CRA within days that the account has been disputed, and then the CRA usually has days to verify the information after receiving that notificationYou must have also had a miscommunication with our front desk when you spoke with us in October; we did state that we would respond to you but did not specify that we would respond via telephoneOur procedure is to mail the supporting documentation after receiving the request or dispute, which we did on 11/10/We do not have a tracking number but we do have timestamped and tamper-proof internal records to support all actions taken by our officeDue to your assertion that you have not received this document from our office we have attached it to this response for your convenience, marked as "confidential," for the Revdex.com to forward to you with our responseBest Regards,Absolute Credit LLC

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowTruth, but just for a little bit! So here's the truth to the lies after that! I did NOT hang up on him until AFTER he mentioned the 50% reduction in the bill! Then was the discussion of that it wasn't covered by freecare cuz it was an accident! Then I said, in that case that he needed to talk to my fn lawyerHe proceeded with "Then pay your fn bills!" Then I told him to ""Fk off!" and THEN hung up on this ignorant bill collector! The phone call should have NEVER been made to me, but you should have contacted my lawyer as you were advised before! Furthermore, I can not answer my phone EVERY aching second and there was NOOOOO voicemail left at all!Frustrating is saying it mildly, when to comes to Absolute Collections! You all were ignorant as hell to me before as well and I complained then to your company, with ZERO resolution NOR response! Then, even tho I cussed, he cusses back at me?? NOT ACCEPTABLE!!! I have NEVER been treated like that from a company and if ya contact me again, then my lawyer WILL definitely be calling you!Your unethical company needs to be put down like a rabid animal!!!!Have a nice day! NOT!Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] According to Federal Trade Commission, you did not verify within the allotted time, which they said was daysI would like this deletedThe lady I talked to agreed to call me back after finding out what information she had, after which she said she had poor faxes, and couldn't clearly see what she need to, but I never heard backI have not received any letterDo you have a tracking number to prove you sent something? It has been well over days with zero contact, after I ask for you to verify.You have my current phone number and address and could have been in contact after I contacted youPlease remove this bill from my credit report Regards, [redacted]

Hi [redacted] ,We have received your complaint and have reviewed your accountThis account was sent to us in February and the initial letter was mailed to you on 2/25/The letter was not returned to our office as undeliverableWe left three messages for you in March, and spoke with you for the first time on 4/15/We did not receive a request to validate this account until 5/20/15, at which time you spoke with [redacted] and provided an alternate mailing address to which we could mail documentsYou quoted the FDCPA section in your complaint; please note that section clearly states that the request for validation must occur within days of the receipt of the initial letter and must be in a written formWe do try our best to work with everyone in a reasonable fashion, it is our policy to honor most verbal requests for validation received after the day period has expiredWe contacted our client within days to ask them for supporting documentation on this account as per your verbal requestThe paperwork was mailed to you on Monday of this week (6/1/15); based on your above complaint it is apparent that you had not yet received that paperworkYou should receive it within a few days if it has not already arrivedPlease be advised that we will not contact you again regarding this accountYou may contact our office to discuss this account at any timeOur hours are 8am-9pm Monday through Thursday and 8am-5pm on Friday and Saturday.Best Regards,Absolute Credit LLC

Hello,We've received your complaint regarding the balance sent to our companyAs per the phone conversations we have had with you over the past year, this is a medical balance that was placed in collectionsThe provider was notified that an insurance check was issued and cashed, but they have not yet been paid for the services they rendered to youIn situations such as this one the medical provider will often bill the patient for the higher uninsured rateThis provider does accept settlements on their accountsA settlement in this situation would be approved for an amount closer to the amount of the insurance check than to the uninsured rate; in the event the balance remains unpaid they are within their rights to pursue the full uninsured rate on this account.Please contact our office to discuss this matter furtherWe can be reached at 1###-###-####.Best regards,Absolute Credit LLC

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
I did not receive any verification with days of talking to your office, and if there is no tracking number or tangible proof, I can't be sure you sent itPlease delete
Regards,
*** ***

Hello,We are in receipt of your complaintAfter reviewing the history on your account we must state that the entirety of your allegations are patently untrueYou claimed that you have been trying to work with us to resolve your accountWe have been reaching out to you for almost a year and a half
regarding your past due balance; we have only spoken with you a few times and no attempt has been made to resolve the balance you owe to our customer, the original creditorIn months not one payment has been made, and the only time you called us back was to advise us that you had no intention of paying your billThis was the last time we spoke with you, in March You further stated that you would not be paying this bill because you had been able to get it removed from your credit historyWe did advise you that the bill was not removed, it was likely just blocked from appearing as part of your score while the account was under disputeYou have further claimed that we have called you after pmOur office is only open until 9pm EST and no phone calls are made prior to 8:am or after 8:pmWe do keep itemized phone records on file to protect ourselves from accusations such as these.The representative assigned to your account is the collection manager, and he was truthful when he advised you that there was no one else you could escalate the call to in our companyThe balance on your account is valid and owed to our customer, but at this point it is apparent that you have no intention of resolving this matterAs such, you will receive no further calls from our officePlease feel free to contact us if/when you decide to resolve this matter with our customer, the original creditor to whom the balance is owed. Best regards,Absolute Credit LLC

Hi ***,We have received your responseWe will accept these communications as your written request to cease & desist all collection calls, but please be advised that a cease & desist order does not make the debt go awayIn the event bankruptcy paperwork indicating the inclusion of this account is not received, the balance will still be considered valid and dueWe have put a day hold on your account to allow time for the bankruptcy paperwork to arrive in either our office or the creditor’s officeIf the paperwork is not going to arrive within this day window, please contact us or ask your attorney to contact us to provide the case number for your bankruptcy.Best Regards, Absolute Credit LLC

Hi ***, Thank you for reaching out to usAlthough the business to which the debt is owed is no longer in operation, the owner of that business is still collecting on the outstanding receivables owed to his companyWe tried to contact you over the phone and via mail numerous times in and
while our client's company was still operating but we were only able to speak to you about this account once, in February We ceased making phone calls to you after October Our records reflect that you called our office on 10/20/to advise that you disputed the balance owed - we logged the account as "in dispute" and we mailed the requested documentation to validate the balance on 11/10/We reported the account to *** as "disputed account, validation provided under FCRA" on 11/26/We received notification from the *** on 11/29/that the mail we sent to you had been forwarded to your new address by the ***To date we have not received any further notification from the *** that the mail was undeliverable nor has it been returned to our office as "unable to forward," so we must assume that it reached you at your new addressThe forwarded address provided to us by the *** is the same that you have listed on this Revdex.com complaint - if you have not received the documents we mailed to you on 11/10/please reach out to our office directly and we would be happy to provide the information againBest Regards,Absolute Credit LLC

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below
Regards,
*** ***

Hi [redacted],We have received your complaint and reviewed your file. Our records show that the account was sent to us by the creditor in both names; the phone number provided by their office was your cell phone number. We mailed letters to you when the account was sent to us and the letters were not...

returned to our office as undeliverable. We tried contacting you by phone numerous times throughout 2011 but we never received a response from you. The account was flagged for credit reporting in May 2012. In January 2015 you disputed the account through the EOSCAR dispute system and stated the account did not belong to you. We verified the information sent to us by the creditor and responded that all information was accurate. You disputed the account again in February 2015, so we reached out to the creditor for any additional information they had regarding this account. They sent us the statements along with copies of their system notes showing conversations they had with you in August 2010, September 2010 and January 2011. Their notes reflected in August 2010 that [redacted] was no longer living there but that you were responsible for the household bills. We mailed copies of the supporting documentation and system notes to your new address on 2/10/15. Our records do reflect that you mailed us a copy of your divorce decree in March 2015, but that document did not speak to the party that was responsible for the household bills or the timeframe for which the party would be responsible. We show that you did call our office on 6/9/15 and told our representative that the account was still on your credit even though you sent proof that it should not be on your credit. Our representative advised you of the records we had on your account and that the paperwork you sent to us did not prove that you were not responsible for this account. Please be advised that we do not own this account. We are not able to simply remove a name from an account unless the creditor tells us that there was an error and you are not responsible. Please contact the original creditor to discuss this matter. In the event they find that you are not the responsible party, they will contact our office and we would be able to remove the account from your credit file at that time. Best Regards,Absolute Credit LLC

Hi [redacted],We have received your complaint and have reviewed your account. This account was sent to us for collection by the creditor in August 2014 and has been due since December 2013. Three payments have been made to the account since the balance was incurred over four years ago, through a payment...

plan you set up with us in October 2017. The collection supervisor contacted you to inform you that the payments had been declined for the past several months. You advised him that your bank account information had changed. He asked you to reset your payment plan with new payment information but you told him that you could not.Our representatives are trained to ask questions regarding income and expenses to try to figure out the consumer's ability and willingness to resolve the balance owed so that we may determine how to proceed, as well as provide assistance in budgeting and planning when requested. Our records indicate that you told the supervisor you couldn't make any more payments to the balance you owed because you sold your business and you were currently spending all of your money to start a new business. He did question this, as only 3 payments had been made in over 4 years and the remaining balance owed is substantial. He pointed out that as a business owner you might not be happy if someone didn't pay a bill that was owed to you in favor of spending the money elsewhere, and it would be best to try to set up a minimal payment plan rather than no payment plan. Our records indicate that you became very upset and told him he was rude and his comments were inappropriate. We do understand that asking questions about someone's financial situation is a very personal matter and can often cause strong emotions. We train our representatives to discuss income and expenses because it often results in our being able to better assist both the creditor and the consumer. For example, if a consumer were going through a temporary hardship and the creditor asked us to pursue litigation we would be able to counsel the creditor against it if we knew the situation was temporary and the balance would be resolved after the hardship passed. We have been able to assist many consumers in working out a long term plan and help both consumers and creditors avoid the unnecessary expense and stress of legal action with our policy of questions and discussion.Please be advised that our office will not contact you again regarding this account. You may contact our office to discuss this account at any time. Our business hours are 8am-9pm Monday through Thursday and 8am-5pm on Friday and Saturday.Best regards,Absolute Credit LLC

Hello,We have received your complaint alleging that we have left voicemail messages disclosing confidential information at your place of employment, and further alleging that we have tried to avoid providing our physical address. This account was placed with us for collection on 3/8/16 and we mailed...

a letter on 3/9/16 to the address you listed in this complaint, in order to notify you of who we are and our reason for contacting you. Please be advised that our client, the creditor, provided us with two phone numbers at which to contact you. One of the numbers is a place of business; we left a generic voicemail message for you on that phone the first time we called it (on 3/25/16). We tried that number one more time on 4/13/16 but did not leave a message as the voicemail identified a different person's name. We have not called that phone number in over 1 year. The other number we have tried to reach you at is the phone number listed on this complaint and it has never been identified as a place of business. The letter we mailed to you included all of our contact information, including physical address.We acknowledge your written request, in the form of this complaint, to cease all phone calls and to only communicate in writing. We also acknowledge your request for validation of this debt and you will receive it in the mail from us shortly.Best Regards,Absolute Credit LLC

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].  
According to Federal Trade Commission, you did not verify within the allotted time, which they said was 5 days. I would like this deleted. The lady I talked to agreed to call me back after finding out what information she had, after which she said she had poor faxes, and couldn't clearly see what she need to, but I never heard back. I have not received any letter. Do you have a tracking number to prove you sent something? It has been well over 30 days with zero contact, after I ask for you to verify.You have my current phone number and address and could have been in contact after I contacted you. Please remove this bill from my credit report.
Regards,
[redacted]