April 24, 2017 Re: Revdex.com Case #: [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of your [redacted]’s complaint...
in regards to the above referenced account. In an attempt to assist Ms. [redacted] with the issues mentioned in her complaint, we submitted a request to our client, [redacted], to obtain an itemized statement detailing the balance of $50.00 that was placed with our agency for collections on 01/17/2017. This information has been obtained and mailed to Ms. [redacted]’s address of record for review. The Itemized Statements that were obtained were received directly from [redacted], which is the original creditor of Ms. [redacted]’s account. The statements are dated 08/30/2013, 09/16/2013, 11/05/2013 and 11/22/2013 and reflect the lapse of insurance coverage fee of $50.00 after the termination date of 09/21/2012. We have documented the account accordingly with Ms. [redacted]’s dispute and it remains open with our office in a cease calls status as requested. If you or Ms. [redacted] have any questions, or concerns please contact our Consumer Relations Department at 1-[redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
October 2, 2017 Re: Revdex.com Case #: [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of Ms. [redacted]’s...
complaint regarding the above referenced account. We have reviewed the information provided and our findings are set forth below. Our client, [redacted], placed the above referenced account with our office on 03/20/2017. Our records indicate that as of 08/21/2017, the account was closed and returned to [redacted], as settled in full due to Ms. [redacted]’s payment of $139.57. Please be advised that once the balance in our office is resolved, the credit bureaus will be provided with an update to reflect the appropriate paid status to ensure that this matter is reporting accurately. The account has been documented accordingly and remains closed with our office and is currently reporting to the credit bureaus as ‘settled in full’. If you have any questions or concerns, please contact our Consumer Relations Department at 1-[redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
May 14, 2015 Re: Revdex.com Case #: [redacted]- [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com:As previously stated, during our investigation, we have found that our office has only made 1 attempt to contact Ms. [redacted] prior to our conversation with her on 5/4/15 regarding this matter. Our records do not show any calls made prior to 4/30/15 nor call attempts made to any other number other than the phone number we spoke with Ms. [redacted] on 5/4/15 which was ###-###-####. In order to investigate the matter further, we would need additional information, such as the phone number that has been receiving the numerous calls to investigate and ensure that this matter has been resolved. Until such information can be obtained, the account remains open in our office in a status that will cease all calls to Ms. [redacted]. If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted]. Sincerely, EOS CCA Consumer Relations Department
May 12, 2016 Re: Complaint #: [redacted] – [redacted] [redacted] | [redacted] Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: [redacted] is in receipt of [redacted] additional response to our findings in regards to Revdex.com complaint #[redacted]. We have reviewed this information and have since placed the account into a Fraud status that will cease communications and, as such, [redacted] will receive no further contact from our office. In addition, this letter serves as confirmation that a request to delete the above referenced account information has been submitted to the credit bureaus. If you have any questions, please contact our Consumer Relations Department at [redacted] for additional assistance. Sincerely, [redacted] Consumer Relations Department
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 below. I have mailed the documents that I am attaching here as well and you should be getting those this week. I reject your response/validation and request a TRUE VALIDATION along with the other supporting documents that are outlined in the attachments above be sent to me for further review and investigation. On another note, only one instance has been corrected to add that the status is in dispute. I look forward to receiving that "TRUE VALIDATION" so that I may review it and investigate it as well (please allow 30 days from my receipt of your validation, should you be able to actually validate this alleged debt).
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
[redacted]
June 23, 2015 Re: Revdex.com **se #: [redacted] – [redacted] EOS C** #: [redacted] | Original [redacted] Account #: [redacted] Dear Revdex.com: We have received [redacted]’s complaint regarding the above referenced account. In an...
attempt to assist with the issues mentioned in the complaint, we have contacted our client, [redacted], and obtained an itemized statement in an effort to validate the total charges placed with our agency for collections. This information has been forwarded to [redacted]’s address of record: [redacted]. #[redacted] for review. The statement we have been provided is for services and unreturned equipment fee’s for the service period of 12/22/2010. The service address listed is : [redacted] and a balance of $946.95 has since been due. In regards to the credit bureau inquiry [redacted] provided with her complaint, we have reviewed this information and per the FCRA, a collection of an account is a permissible purpose for obtaining a credit report. As such, EOS CCA may obtain a consumer credit report for the purpose of collecting on an account in connection with a voluntary credit transaction involving the consumer on whom the information is to be furnished. Our records indicate that EOS CCA has not reported this account to the credit bureaus and we have placed the above account in a cease and desist status for no further contact with [redacted]. If you have any questions or concerns, please contact our Consumer Relations Department at [redacted] for further assistance. Sincerely, EOS CCA Consumer Relations Department This communi**tion is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
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]. .
Regards,
[redacted]
February 26, 2018 Re: Revdex.com Case #: [redacted]- [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] Mobility | Creditor Account #: [redacted] Dear Revdex.com:...
EOS CCA is in receipt of [redacted]’s complaint in regards to the above referenced account. We have reviewed the information provided and have notated the account accordingly. In an effort to further assist with this matter, we have placed the account into a suspended status, and as such, our office will not contact [redacted] any further. If you have any questions or concerns, please contact our Consumer Relations Department at ([redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
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].
I am rejecting until documentation is Recieved verifying charges.
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]. Please add your rejection comments below.
1. Your reporting is inaccurate and a violation of the law. 2. I have not received anything from EOS-CCA, 3. my phone number listed on the Revdex.com complaint was for the Revdex.com's use only not an open invitation to harass me, cease calling me immediately. 4. You are not a registered business within my state and are in violation of Vermont state law.Please see the attached document
Regards,
[redacted]
June 9, 2015
Re: Revdex.com Case #: [redacted]
EOS CCA #: [redacted] |Original Creditor: [redacted] Creditor Account #: [redacted]
Dear Revdex.com:
Our client, [redacted], placed the above referenced account with our office on 01/06/15. The account has since been closed and returned to the client, and as such, our office will not contact [redacted] any further. We have notified the credit bureaus to delete the above referenced account from their records.
If you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for additional assistance.
Sincerely,
EOS CCA Consumer Relations Department
September 11, 2017 Re: Revdex.com Case #: [redacted]- [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] Wireless| Creditor Account #:...
[redacted] Dear Revdex.com: EOS CCA is in receipt of [redacted]’s complaint in regards to the above account. We have notated the account accordingly and have placed it into a pending fraud status to cease collection activity while this matter is being investigated. As a result and as part of our reasonable investigation; we have requested a fraud packet be mailed to Ms. [redacted]’s address of record to be completed and returned to our office for further review. In addition, a request to delete the above referenced account’s information has been submitted to the credit bureaus. Please allow the credit bureaus up to 60 days to process the request The account remains in a pending fraud status that will cease communications which will allow time for Ms. [redacted] to receive and review the requested information. If you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for additional assistance. Sincerely, EOS CCA Consumer Relations Department
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
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]. Please add your rejection comments below. Regards,
[redacted]
August 5, 2015 RE: Complaint ID: [redacted] | [redacted] | EOS [redacted] #: **-[redacted] Original Creditor: U.S. Department of Education | Creditor Account #: [redacted] Dear Revdex.com: We recently received the rejection statement for the above referenced Revdex.com complaint from Ms. [redacted], regarding her defaulted student loan with the U.S. Department of Education (ED). The rejection statement states that the borrower does not accept that the supporting documents submitted in March were illegible, she is frustrated that her paperwork was misfiled which has cost her thousands of dollars and the borrower also stated that she believes her account is being kept purposefully in an attempt to profit from handling fees. EOS [redacted] takes complaints of this nature seriously and we regret that the borrower was dissatisfied with our response. According to our records, the borrower’s account was placed with our agency for collections on 6/22/14 and the balance on the account was $3923.19. The borrower has had a total of $901.00 applied to her defaulted loan of which 10 payments were voluntary in the amount of $5 each. In addition, an involuntary Treasury Offset Payment (TOP) in the amount of $851.00 was applied and the total amount due as of today is $2922.79. The borrower has been certified for TOP by the Department of Education since 2012 and once an account becomes certified for an offset, that account will remain certified until the account is out of default, or inactivated as legally required by law (e.g. active bankruptcies). The supporting documents faxed to our agency on March 24, 2015 were properly filed; however, due to the poor quality of the fax images we were not able to enroll the borrower into the rehabilitation program. We have mailed a copy of the fax to the borrower’s mailing address in order to illustrate how the March 24th fax transmission was received. This is a client requirement and not ours. The client will not fund the rehabilitation with illegible documentation. At the present time, we are unable to submit the borrower’s account for rehabilitation until we receive the required missing documents per the Financial Disclosure for Reasonable and Affordable Rehabilitation Payment guidelines. In an attempt to assist the borrower, we have mailed a new Financial Disclosure for Reasonable and Affordable Rehabilitation Payment and to provide further clarification on the paperwork that is required, the following supporting documents are needed in order to successfully enroll the borrower in the rehabilitation program: Section 1: Borrower Identification You can use a P.O. Box as your mailing address; however, you would need to supply the zip code for your physical address as the calculation is based off your county. Section 2: Household Income and Reasonable and Necessary Monthly Expenses · Your employment income o Signed copy of your Federal 1040 tax return for the most recent tax year (both pages) or a tax transcript form provided by the IRS o Or, copies of your two (2) most recent pay stubs (they must be dated within the past 90 days) o Or, if you are self-employed, provide either the most recent 1040 tax return or 1040-ES worksheet. · Other Income o Any documentation showing the source and amount · Line 13: Necessary medical and dental – The borrower claimed $4200.00 is in collections; however, this line item pertains to the amount that is being paid per month o This is not required if you spend less than $60/mo per person in your family. If you spend more than that, provide proof of what you actually spend out of pocket on co-payments for prescription drugs, doctor visits, and other medical needs: cancelled checks and/or receipts. Statements, etc. Providing only a bill showing the amount owed is not acceptable. · Line 15: Transportation –The borrower claimed $1292 a month o Please provide a written statement indicating the number of cars that you own. For example: I _____ am responsible for # of vehicle(s). · Line 18: Federal student loan payments – you claimed $44.00 a month o Current billing statement (less than 90 days) § The proof that you sent is an account summary and not a billing statement. A billing statement will show a recent payment history as well as monthly minimum amount due. · Line 19: Private Student Loan Payments – you claimed $1200.00 GI Bill Debt o Current billing statement (less than 90 days) § We did not receive any proof of this debt. Please supply proof of monthly payments being made. Please note that the above are all requirements of our client, not EOS [redacted] and are related to proper compliance with Federal Regulations and Administrative Rules for compliance. Please have the borrower contact me directly as I look forward to further assisting her with any questions or concerns and the completion of her rehabilitation program. I am confident that we will be able to help her expedite a resolution for the borrower. My name is [redacted] and I can be reached at ###-###-####.
August 31, 2015 Re: Revdex.com Case #: [redacted] EOS CCA #: [redacted] (Collection...
Trade-Line – Credit Bureau Deletion Request) Dear Revdex.com: Please be advised, that this letter serves as confirmation that a request has been made to all three credit bureaus to delete all information on the above referenced matter. The amount of time this takes will depend on how quickly the deletion request is processed by the credit bureau. If you have any questions, please contact our Consumer Relations Hotline at 1-[redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
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].
My lawyers will be contacting EOS CCA as well... I have send my paperwork over and I do have paperwork as well stating I turned in my equitment in 2016 The paper shows the day, the equitment and it show the tracking number from [redacted].
Regards,
[redacted]
February 03, 2016 Re: Complaint #: [redacted] - [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: ...
EOS CCA is in receipt of [redacted]’s complaint in regards to the above referenced account. In an attempt to assist with the issues mentioned in Ms. [redacted]s complaint, EOS CCA has forwarded a copy of the Itemized statement received from [redacted], previously known as [redacted], which is the original creditor on [redacted]s account to her address of record. The account was purchased by [redacted] on 09/22/2014 and the bill was generated at the time of purchase. Per our client’s records, the balance of $144.32 has been past due since 04/21/2011. The service address associated with this bill is [redacted]. The account remains open with our office in a temporary status that will cease communications which will allow time for Ms. [redacted] to receive and review the information. If you have any questions or concerns, please contact our Consumer Relations Department at [redacted] ext. [redacted], for additional assistance. Sincerely, EOS CCA Consumer Relations Department
October 12, 2015 Re: Revdex.com Case #: [redacted] – [redacted] EOS CCA #: [redacted]3 | Original Creditor: [redacted] ...
Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted]’s dispute regarding the above referenced account. In our original response to the issues mentioned in the dispute, EOS CCA provided Mr. [redacted] an itemized statement from our client, [redacted], which is the original creditor on his account. The statement was for services dated from 11/20/2012 and show that the balance of $1,313.37 and has been due since 11/20/2012. This statement came directly from our client, and is the same statement that our client would have provided to Mr. [redacted] at the time of service. In addition, the statement EOS CCA provided to Mr. [redacted] reflects that his insurance company was also charged for a portion of the balance. If possible, Mr. [redacted] should contact his insurance company regarding this balance to further confirm the validity of this claim. The account remains open with our office in a temporary status that will cease communications which will allow time for Mr. [redacted] to receive and review the information. If you have any questions or concerns, please contact our Consumer Relations Department at [redacted]. Sincerely, EOS CCA Consumer Relations Department
June 12, 2015 Re: Revdex.com Case #: [redacted]- [redacted]...
EOS CCA #: [redacted] | US Asset Management Original Creditor: [redacted] | Creditor Account #: 7[redacted] Dear Revdex.com: EOS CCA has received [redacted]’s dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collections. This information has been obtained and forwarded to [redacted]’s address of record , [redacted] [redacted] for review. The Itemized Statements from [redacted] which is the original creditor on [redacted]’s account are dated from 12/05/2009 through 04/04/2010 and show that the balance of $350.00 has been due since 4/26/2010. Since the account has been in our office, it has accrued fees, the balance now due is $413.00. The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the information. If you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for further assistance. Sincerely, EOS CCA Consumer Relations Department
April 24, 2017 Re: Revdex.com Case #: [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of your [redacted]’s complaint...
in regards to the above referenced account. In an attempt to assist Ms. [redacted] with the issues mentioned in her complaint, we submitted a request to our client, [redacted], to obtain an itemized statement detailing the balance of $50.00 that was placed with our agency for collections on 01/17/2017. This information has been obtained and mailed to Ms. [redacted]’s address of record for review. The Itemized Statements that were obtained were received directly from [redacted], which is the original creditor of Ms. [redacted]’s account. The statements are dated 08/30/2013, 09/16/2013, 11/05/2013 and 11/22/2013 and reflect the lapse of insurance coverage fee of $50.00 after the termination date of 09/21/2012. We have documented the account accordingly with Ms. [redacted]’s dispute and it remains open with our office in a cease calls status as requested. If you or Ms. [redacted] have any questions, or concerns please contact our Consumer Relations Department at 1-[redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
October 2, 2017 Re: Revdex.com Case #: [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of Ms. [redacted]’s...
complaint regarding the above referenced account. We have reviewed the information provided and our findings are set forth below. Our client, [redacted], placed the above referenced account with our office on 03/20/2017. Our records indicate that as of 08/21/2017, the account was closed and returned to [redacted], as settled in full due to Ms. [redacted]’s payment of $139.57. Please be advised that once the balance in our office is resolved, the credit bureaus will be provided with an update to reflect the appropriate paid status to ensure that this matter is reporting accurately. The account has been documented accordingly and remains closed with our office and is currently reporting to the credit bureaus as ‘settled in full’. If you have any questions or concerns, please contact our Consumer Relations Department at 1-[redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
May 14, 2015 Re: Revdex.com Case #: [redacted]- [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com:As previously stated, during our investigation, we have found that our office has only made 1 attempt to contact Ms. [redacted] prior to our conversation with her on 5/4/15 regarding this matter. Our records do not show any calls made prior to 4/30/15 nor call attempts made to any other number other than the phone number we spoke with Ms. [redacted] on 5/4/15 which was ###-###-####. In order to investigate the matter further, we would need additional information, such as the phone number that has been receiving the numerous calls to investigate and ensure that this matter has been resolved. Until such information can be obtained, the account remains open in our office in a status that will cease all calls to Ms. [redacted]. If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted]. Sincerely, EOS CCA Consumer Relations Department
May 12, 2016 Re: Complaint #: [redacted] – [redacted] [redacted] | [redacted] Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: [redacted] is in receipt of [redacted] additional response to our findings in regards to Revdex.com complaint #[redacted]. We have reviewed this information and have since placed the account into a Fraud status that will cease communications and, as such, [redacted] will receive no further contact from our office. In addition, this letter serves as confirmation that a request to delete the above referenced account information has been submitted to the credit bureaus. If you have any questions, please contact our Consumer Relations Department at [redacted] for additional assistance. Sincerely, [redacted] Consumer Relations Department
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 below. I have mailed the documents that I am attaching here as well and you should be getting those this week. I reject your response/validation and request a TRUE VALIDATION along with the other supporting documents that are outlined in the attachments above be sent to me for further review and investigation. On another note, only one instance has been corrected to add that the status is in dispute. I look forward to receiving that "TRUE VALIDATION" so that I may review it and investigate it as well (please allow 30 days from my receipt of your validation, should you be able to actually validate this alleged debt).
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
[redacted]
June 23, 2015 Re: Revdex.com **se #: [redacted] – [redacted] EOS C** #: [redacted] | Original [redacted] Account #: [redacted] Dear Revdex.com: We have received [redacted]’s complaint regarding the above referenced account. In an...
attempt to assist with the issues mentioned in the complaint, we have contacted our client, [redacted], and obtained an itemized statement in an effort to validate the total charges placed with our agency for collections. This information has been forwarded to [redacted]’s address of record: [redacted]. #[redacted] for review. The statement we have been provided is for services and unreturned equipment fee’s for the service period of 12/22/2010. The service address listed is : [redacted] and a balance of $946.95 has since been due. In regards to the credit bureau inquiry [redacted] provided with her complaint, we have reviewed this information and per the FCRA, a collection of an account is a permissible purpose for obtaining a credit report. As such, EOS CCA may obtain a consumer credit report for the purpose of collecting on an account in connection with a voluntary credit transaction involving the consumer on whom the information is to be furnished. Our records indicate that EOS CCA has not reported this account to the credit bureaus and we have placed the above account in a cease and desist status for no further contact with [redacted]. If you have any questions or concerns, please contact our Consumer Relations Department at [redacted] for further assistance. Sincerely, EOS CCA Consumer Relations Department This communi**tion is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
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]. .
Regards,
[redacted]
February 26, 2018 Re: Revdex.com Case #: [redacted]- [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] Mobility | Creditor Account #: [redacted] Dear Revdex.com:...
EOS CCA is in receipt of [redacted]’s complaint in regards to the above referenced account. We have reviewed the information provided and have notated the account accordingly. In an effort to further assist with this matter, we have placed the account into a suspended status, and as such, our office will not contact [redacted] any further. If you have any questions or concerns, please contact our Consumer Relations Department at ([redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
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].
I am rejecting until documentation is Recieved verifying charges.
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]. Please add your rejection comments below.
1. Your reporting is inaccurate and a violation of the law. 2. I have not received anything from EOS-CCA, 3. my phone number listed on the Revdex.com complaint was for the Revdex.com's use only not an open invitation to harass me, cease calling me immediately. 4. You are not a registered business within my state and are in violation of Vermont state law.Please see the attached document
Regards,
[redacted]
June 9, 2015
Re: Revdex.com Case #: [redacted]
EOS CCA #: [redacted] |Original Creditor: [redacted] Creditor Account #: [redacted]
Dear Revdex.com:
Our client, [redacted], placed the above referenced account with our office on 01/06/15. The account has since been closed and returned to the client, and as such, our office will not contact [redacted] any further. We have notified the credit bureaus to delete the above referenced account from their records.
If you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for additional assistance.
Sincerely,
EOS CCA Consumer Relations Department
September 11, 2017 Re: Revdex.com Case #: [redacted]- [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] Wireless| Creditor Account #:...
[redacted] Dear Revdex.com: EOS CCA is in receipt of [redacted]’s complaint in regards to the above account. We have notated the account accordingly and have placed it into a pending fraud status to cease collection activity while this matter is being investigated. As a result and as part of our reasonable investigation; we have requested a fraud packet be mailed to Ms. [redacted]’s address of record to be completed and returned to our office for further review. In addition, a request to delete the above referenced account’s information has been submitted to the credit bureaus. Please allow the credit bureaus up to 60 days to process the request The account remains in a pending fraud status that will cease communications which will allow time for Ms. [redacted] to receive and review the requested information. If you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for additional assistance. Sincerely, EOS CCA Consumer Relations Department
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
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]. Please add your rejection comments below. Regards,
[redacted]
August 5, 2015 RE: Complaint ID: [redacted] | [redacted] | EOS [redacted] #: **-[redacted] Original Creditor: U.S. Department of Education | Creditor Account #: [redacted] Dear Revdex.com: We recently received the rejection statement for the above referenced Revdex.com complaint from Ms. [redacted], regarding her defaulted student loan with the U.S. Department of Education (ED). The rejection statement states that the borrower does not accept that the supporting documents submitted in March were illegible, she is frustrated that her paperwork was misfiled which has cost her thousands of dollars and the borrower also stated that she believes her account is being kept purposefully in an attempt to profit from handling fees. EOS [redacted] takes complaints of this nature seriously and we regret that the borrower was dissatisfied with our response. According to our records, the borrower’s account was placed with our agency for collections on 6/22/14 and the balance on the account was $3923.19. The borrower has had a total of $901.00 applied to her defaulted loan of which 10 payments were voluntary in the amount of $5 each. In addition, an involuntary Treasury Offset Payment (TOP) in the amount of $851.00 was applied and the total amount due as of today is $2922.79. The borrower has been certified for TOP by the Department of Education since 2012 and once an account becomes certified for an offset, that account will remain certified until the account is out of default, or inactivated as legally required by law (e.g. active bankruptcies). The supporting documents faxed to our agency on March 24, 2015 were properly filed; however, due to the poor quality of the fax images we were not able to enroll the borrower into the rehabilitation program. We have mailed a copy of the fax to the borrower’s mailing address in order to illustrate how the March 24th fax transmission was received. This is a client requirement and not ours. The client will not fund the rehabilitation with illegible documentation. At the present time, we are unable to submit the borrower’s account for rehabilitation until we receive the required missing documents per the Financial Disclosure for Reasonable and Affordable Rehabilitation Payment guidelines. In an attempt to assist the borrower, we have mailed a new Financial Disclosure for Reasonable and Affordable Rehabilitation Payment and to provide further clarification on the paperwork that is required, the following supporting documents are needed in order to successfully enroll the borrower in the rehabilitation program: Section 1: Borrower Identification You can use a P.O. Box as your mailing address; however, you would need to supply the zip code for your physical address as the calculation is based off your county. Section 2: Household Income and Reasonable and Necessary Monthly Expenses · Your employment income o Signed copy of your Federal 1040 tax return for the most recent tax year (both pages) or a tax transcript form provided by the IRS o Or, copies of your two (2) most recent pay stubs (they must be dated within the past 90 days) o Or, if you are self-employed, provide either the most recent 1040 tax return or 1040-ES worksheet. · Other Income o Any documentation showing the source and amount · Line 13: Necessary medical and dental – The borrower claimed $4200.00 is in collections; however, this line item pertains to the amount that is being paid per month o This is not required if you spend less than $60/mo per person in your family. If you spend more than that, provide proof of what you actually spend out of pocket on co-payments for prescription drugs, doctor visits, and other medical needs: cancelled checks and/or receipts. Statements, etc. Providing only a bill showing the amount owed is not acceptable. · Line 15: Transportation –The borrower claimed $1292 a month o Please provide a written statement indicating the number of cars that you own. For example: I _____ am responsible for # of vehicle(s). · Line 18: Federal student loan payments – you claimed $44.00 a month o Current billing statement (less than 90 days) § The proof that you sent is an account summary and not a billing statement. A billing statement will show a recent payment history as well as monthly minimum amount due. · Line 19: Private Student Loan Payments – you claimed $1200.00 GI Bill Debt o Current billing statement (less than 90 days) § We did not receive any proof of this debt. Please supply proof of monthly payments being made. Please note that the above are all requirements of our client, not EOS [redacted] and are related to proper compliance with Federal Regulations and Administrative Rules for compliance. Please have the borrower contact me directly as I look forward to further assisting her with any questions or concerns and the completion of her rehabilitation program. I am confident that we will be able to help her expedite a resolution for the borrower. My name is [redacted] and I can be reached at ###-###-####.
August 31, 2015 Re: Revdex.com Case #: [redacted] EOS CCA #: [redacted] (Collection...
Trade-Line – Credit Bureau Deletion Request) Dear Revdex.com: Please be advised, that this letter serves as confirmation that a request has been made to all three credit bureaus to delete all information on the above referenced matter. The amount of time this takes will depend on how quickly the deletion request is processed by the credit bureau. If you have any questions, please contact our Consumer Relations Hotline at 1-[redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
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].
My lawyers will be contacting EOS CCA as well... I have send my paperwork over and I do have paperwork as well stating I turned in my equitment in 2016 The paper shows the day, the equitment and it show the tracking number from [redacted].
Regards,
[redacted]
February 03, 2016 Re: Complaint #: [redacted] - [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: ...
EOS CCA is in receipt of [redacted]’s complaint in regards to the above referenced account. In an attempt to assist with the issues mentioned in Ms. [redacted]s complaint, EOS CCA has forwarded a copy of the Itemized statement received from [redacted], previously known as [redacted], which is the original creditor on [redacted]s account to her address of record. The account was purchased by [redacted] on 09/22/2014 and the bill was generated at the time of purchase. Per our client’s records, the balance of $144.32 has been past due since 04/21/2011. The service address associated with this bill is [redacted]. The account remains open with our office in a temporary status that will cease communications which will allow time for Ms. [redacted] to receive and review the information. If you have any questions or concerns, please contact our Consumer Relations Department at [redacted] ext. [redacted], for additional assistance. Sincerely, EOS CCA Consumer Relations Department
October 12, 2015 Re: Revdex.com Case #: [redacted] – [redacted] EOS CCA #: [redacted]3 | Original Creditor: [redacted] ...
Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted]’s dispute regarding the above referenced account. In our original response to the issues mentioned in the dispute, EOS CCA provided Mr. [redacted] an itemized statement from our client, [redacted], which is the original creditor on his account. The statement was for services dated from 11/20/2012 and show that the balance of $1,313.37 and has been due since 11/20/2012. This statement came directly from our client, and is the same statement that our client would have provided to Mr. [redacted] at the time of service. In addition, the statement EOS CCA provided to Mr. [redacted] reflects that his insurance company was also charged for a portion of the balance. If possible, Mr. [redacted] should contact his insurance company regarding this balance to further confirm the validity of this claim. The account remains open with our office in a temporary status that will cease communications which will allow time for Mr. [redacted] to receive and review the information. If you have any questions or concerns, please contact our Consumer Relations Department at [redacted]. Sincerely, EOS CCA Consumer Relations Department
June 12, 2015 Re: Revdex.com Case #: [redacted]- [redacted]...
EOS CCA #: [redacted] | US Asset Management Original Creditor: [redacted] | Creditor Account #: 7[redacted] Dear Revdex.com: EOS CCA has received [redacted]’s dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collections. This information has been obtained and forwarded to [redacted]’s address of record , [redacted] [redacted] for review. The Itemized Statements from [redacted] which is the original creditor on [redacted]’s account are dated from 12/05/2009 through 04/04/2010 and show that the balance of $350.00 has been due since 4/26/2010. Since the account has been in our office, it has accrued fees, the balance now due is $413.00. The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the information. If you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for further assistance. Sincerely, EOS CCA Consumer Relations Department