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 response addressed one of two requests, disciplinary action, and the business's response suggested that they were "advised not to publically [sic] disclose any disciplinary action taken against any of our employees." This may or may not be true; regardless this has nothing to do with request #2, the issuance of an apology by Mr [redacted] and the companyThis request for action, which has been mentioned three times to this point, has now been ignored three times in this business's complaint responsesThis is evidence that the business has been showing poor faith in this process, which runs afoul of Revdex.com's practices Regards, [redacted]
Revdex.com of San DiegoViewridge Avenue, Suite 200San Diego CA 92123Attn: [redacted] ***Re: [redacted] - [redacted] # [redacted] Dear Ms***:We have received Ms [redacted] - [redacted] 's complaint through your office.This account has been satisfied and this matter has been concludedYours truly, [redacted] ***
Revdex.com of San Diego March 25, [redacted] ***Attn: [redacted] ***Re: [redacted] # [redacted] Dear Ms***:We have received Ms [redacted] ' complaint through your office.We treat all consumers professionallyWe refute Ms [redacted] ' statements otherwise.The accruing interest is the same rate as her contractual agreement which we are requiredto add by our client [redacted] ***We never submit a draft on a consumer's bankaccount without that consumer knowing the exact amount we are drafting.We will send Ms [redacted] ' payment history directly to her for privacy reasonsWe willalso obtain from [redacted] the amount needed to be current on her installmentcontract, however, the account will remain with this agency until fully satisfied.We trust this will conclude this matter.Yours truly, [redacted] ***Manager
Revdex.com of San Diego [redacted] ***Attn: [redacted] ***h 25, 2015Re: [redacted] # [redacted] Dear Ms***:We have received Mr [redacted] 's complaint through your office.Mr [redacted] 's obligation with this company has been satisfiedNo credit report to anycredit reporting entity was made regarding Mr [redacted] Our business with Mr [redacted] has been concluded.We trust this will conclude this matter.Yours truly, [redacted] Collection Manager
Revdex.com of San Diego March 5, Viewridge Avenue, Suite 200San Diego, CA 92123Attn: [redacted] **Re: [redacted] # [redacted] Dear Ms**:We have received Ms***'s complaint through your office.Without the full name of the individual we were attempting to contact or the telephonenumber we called, or even the name of our employee who made the call, we have no wayof researching this complaint.This complaint is simply an overreaction to receiving a call to a wrong number.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 ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I've sent the same message/request or times and the business continues to refuse to complyI believe the SD Revdex.com should step in at this point and decide appropriate next steps.
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
The original complaint was stated as follows: This agency contacted me regarding medical-related debt and the employee, self-identified at *** ***, violated several ethical, and perhaps legal, principlesFirst, he lied saying that if the debt were not paid by 4:that day, it would go on my creditI later found out that they are required to give days for a charge that is in disputeSecond, he denied knowledge, at several points in the conversation, of the guideline above, before finally admitting itThird, he stated my social security number on the phone without having concrete verification of my identityFourth, he discussed some of the details of the claim over the phone, which I believe violates HIPAA laws, if not ethics of privacyFifth, he was extraordinarily rude, interrupting me over and over again and not answering my simple questionsSixth, he said a letter was sent to me, which I never receivedThis may have been a lieSeventh, he refused to allow me to talk to anyone else at the company.I requested the following:
I would like: 1) *** *** given disciplinary action for unethical business practices in the attempt to collect debt (points 1, 2, 3, and above) 2) An apology delivered by Mr*** and the firm's general manager (points above).These two requests have not been met and so I do not consider the matter resolved. I look forward to hearing from the company and having these issues addressed.Thank you,
*** ***
Revdex.com of San DiegoViewridee Avenue, Suite 200*** *** ** ***Attn: *** ***Re: *** *** #***Dear Ms***:We deny any unethical conductWe have addressed the complaint and all the issues.Third party disclosure laws preventt us from detailing the nature of our communicationsthat deal with consumers referred to us by our clients.We trust this will conclude this matter.Yours truly,*** ***Collection 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
Regards,
*** ***
This business has not made any attempts to contact me since 2008. I would like a written statement from the business of this outstanding debt. I would also like to know what contact information they have on file for me
Revdex.com of San Diego4747 Viewridge Avenue, Suite 200San Diego CA 92123Attn: [redacted]Re: [redacted]Dear Ms. [redacted]:We have received Ms. [redacted]'s complaint through your office.This account has been satisfied and this matter has been...
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 am not satisfied with the resolution because the company was very rude and displayed passive aggressive behavior. I am pretty sure if this has happened to me twice, then this company does this all the time to other consumers. [redacted] which is the person who I spoke to had the same attitude as the person who made the unauthorized charges. I will be pursing legal actions against the company and also will file a complaint with the CFPB.
Regards,
[redacted]
Dear Ms. [redacted]:We have received Mr. [redacted]'s complaint through your office.We received Mr. [redacted]'s account for collection February 11, 2011. A letter was sent that day advising Mr. [redacted] he had 30 days to request verification of the debt and when the account would be reported to the credit bureaus....
No request for verification of the debt was received. We spoke with Mr. [redacted] December 14, 2011 and Mr. [redacted] advised us he would deal directly with our client, [redacted]. We spoke with Mr. [redacted] again on February 14, 2012 and Mr. [redacted] advised us he would never pay the debt and advised us to “do what you got to do".We received a letter from Mr. [redacted] on October 14, 2015 requesting verification of the debt and we did send him the verification as requested to the address provided by Mr. [redacted]. Mr. [redacted] also requested we do not contact him further.There is no merit whatsoever to Mr. [redacted]'s complaint.We trust this will conclude this matter.Yours truly, [redacted] Manager
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
Revdex.com of San Diego March 5, 20154747 Viewridge Avenue, Suite 200San Diego, CA 92123Attn: [redacted]Re: [redacted]Dear Ms. **:We have received Ms. [redacted]'s continued complaint through your office.Ms. [redacted] is incorrect stating we have no made attempts to contact her since 2008. Ms.[redacted] is aware of who we represent and why we were attempting to contact her. We arenot required to supply her the information she requested.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 response addressed one of two requests, disciplinary action, and the business's response suggested that they were "advised not to publically [sic] disclose any disciplinary action taken against any of our employees." This may or may not be true; regardless this has nothing to do with request #2, the issuance of an apology by Mr. [redacted] and the company. This request for action, which has been mentioned three times to this point, has now been ignored three times in this business's complaint responses. This is evidence that the business has been showing poor faith in this process, which runs afoul of Revdex.com's practices.
Regards,
[redacted]
We have received Ms. [redacted]'s complaint through your office.Contrary to Ms. [redacted]'s complaint, we have had no prior notice that our credit report on her account was inaccurate.We updated Ms. [redacted]'s credit profile to show discharged bankruptcy in June 2013. Although very uncommon, the credit bureaus...
did not update the bankruptcy status properly. We have no explanation for that error. We have corrected Ms. [redacted]'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.
Dear Ms. [redacted], I will first give some background for you and Alternative Recovery Management (ARM). This bill that is in question are HOA fees only. I bought the property about Jun 1988 and was paying my dues until the original [redacted] broke the contract by not completing buildings they agreed to in the contract. This 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 1992 for them to comply. After 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 covenant. I do not have a copy, but please remember this was 1992 and a photocopy was not common or easily obtained. I 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 sold. I NEVER heard from [redacted] again until 2001 Evidence1. I contacted them again and restated I would NOT pay them because they broke the contract. My problem with ARM is all the inconsistencies. If 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 $6097.86 plus $321.83 in interest for a total of $6419.69. ARM contacted me and I told them the situation with [redacted] and I would not pay. ARM said they would report me to the credit agencies for nonpayment, so they did in 2004. 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 $6208.46 plus $386.12 in interest for a total of $6594.58. The amount in Evidence3 doesn't make sense for the 10 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 10 year bill. To add to the problems with ARM they sent only a partial itemized bill instead of a full itemized bill that was asked for, Evidence4. First 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 document. There are no charges shown for HOA dues as Evidenve1 shows, just "Other" charges of $70.00 and interest. It doesn't show a water fee as the original did in Evidence1 and has a section for it. You will also notice that no previous document from Evidence1 to Evidence3 showed any penalty, but now showing penalty fees in Evidence4. I do not believe this to be a genuine, accurate, and true itemized bill. The bill even shows an apparent adjustment with no reasoning. The 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, Evidence5 shows 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 NEVER. I challenge ARM to show proof of a payment by me on any date. ARM 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 Evidence3 so 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 5 years from the last payment made. Five years from 1992 has long since passed and I personally have not heard from [redacted] since 2001 and 5 years from that has also long since passed. I also am not in any "covenant" with [redacted] and haven't seen any communication claiming otherwise since we parted ways in 1992. In conclusion, you will notice that ARM didn't explain anything about the account numbers. As 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 10 years later, and reported AGAIN to the credit agency. You cannot report a duplicate debt which is why ARM had to change the account numbers as stated above. Also, how can a bill from 2004 be $6400 and ten years later after "accumulation" be $6500. As a final note, please ask ARM to show proof of last payment they reported to the credit agency as shown in Evidence5. Thank You, [redacted]
Regards,
[redacted]
We have received Ms. [redacted]'s complaint through your office.We have been dealing directly with Ms. [redacted] to resolve her concerns and issuesaddressed in her complaint. We believe we have reached a mutually agreedresolution with Ms. [redacted].We trust this will conclude the matter.Your Truly,[redacted]...
Revdex.com of San Diego May 6, 2015[redacted]Attn: [redacted]Re: [redacted]Dear Ms. [redacted]:We believe we have appropriately dealt with Mr. [redacted]'s complaint. Mr. [redacted]'sdesire for a personal apology is not necessitated respective to his dealings with thiscompany.Yours truly,[redacted]Collection 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 response addressed one of two requests, disciplinary action, and the business's response suggested that they were "advised not to publically [sic] disclose any disciplinary action taken against any of our employees." This may or may not be true; regardless this has nothing to do with request #2, the issuance of an apology by Mr [redacted] and the companyThis request for action, which has been mentioned three times to this point, has now been ignored three times in this business's complaint responsesThis is evidence that the business has been showing poor faith in this process, which runs afoul of Revdex.com's practices Regards, [redacted]
Revdex.com of San DiegoViewridge Avenue, Suite 200San Diego CA 92123Attn: [redacted] ***Re: [redacted] - [redacted] # [redacted] Dear Ms***:We have received Ms [redacted] - [redacted] 's complaint through your office.This account has been satisfied and this matter has been concludedYours truly, [redacted] ***
Revdex.com of San Diego March 25, [redacted] ***Attn: [redacted] ***Re: [redacted] # [redacted] Dear Ms***:We have received Ms [redacted] ' complaint through your office.We treat all consumers professionallyWe refute Ms [redacted] ' statements otherwise.The accruing interest is the same rate as her contractual agreement which we are requiredto add by our client [redacted] ***We never submit a draft on a consumer's bankaccount without that consumer knowing the exact amount we are drafting.We will send Ms [redacted] ' payment history directly to her for privacy reasonsWe willalso obtain from [redacted] the amount needed to be current on her installmentcontract, however, the account will remain with this agency until fully satisfied.We trust this will conclude this matter.Yours truly, [redacted] ***Manager
I have asked for an apologyThe company continues to refer to completely different issues in their response
Revdex.com of San Diego [redacted] ***Attn: [redacted] ***h 25, 2015Re: [redacted] # [redacted] Dear Ms***:We have received Mr [redacted] 's complaint through your office.Mr [redacted] 's obligation with this company has been satisfiedNo credit report to anycredit reporting entity was made regarding Mr [redacted] Our business with Mr [redacted] has been concluded.We trust this will conclude this matter.Yours truly, [redacted] Collection Manager
Revdex.com of San Diego March 5, Viewridge Avenue, Suite 200San Diego, CA 92123Attn: [redacted] **Re: [redacted] # [redacted] Dear Ms**:We have received Ms***'s complaint through your office.Without the full name of the individual we were attempting to contact or the telephonenumber we called, or even the name of our employee who made the call, we have no wayof researching this complaint.This complaint is simply an overreaction to receiving a call to a wrong number.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 ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I've sent the same message/request or times and the business continues to refuse to complyI believe the SD Revdex.com should step in at this point and decide appropriate next steps.
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
The original complaint was stated as follows: This agency contacted me regarding medical-related debt and the employee, self-identified at *** ***, violated several ethical, and perhaps legal, principlesFirst, he lied saying that if the debt were not paid by 4:that day, it would go on my creditI later found out that they are required to give days for a charge that is in disputeSecond, he denied knowledge, at several points in the conversation, of the guideline above, before finally admitting itThird, he stated my social security number on the phone without having concrete verification of my identityFourth, he discussed some of the details of the claim over the phone, which I believe violates HIPAA laws, if not ethics of privacyFifth, he was extraordinarily rude, interrupting me over and over again and not answering my simple questionsSixth, he said a letter was sent to me, which I never receivedThis may have been a lieSeventh, he refused to allow me to talk to anyone else at the company.I requested the following:
I would like: 1) *** *** given disciplinary action for unethical business practices in the attempt to collect debt (points 1, 2, 3, and above) 2) An apology delivered by Mr*** and the firm's general manager (points above).These two requests have not been met and so I do not consider the matter resolved. I look forward to hearing from the company and having these issues addressed.Thank you,
*** ***
Revdex.com of San DiegoViewridee Avenue, Suite 200*** *** ** ***Attn: *** ***Re: *** *** #***Dear Ms***:We deny any unethical conductWe have addressed the complaint and all the issues.Third party disclosure laws preventt us from detailing the nature of our communicationsthat deal with consumers referred to us by our clients.We trust this will conclude this matter.Yours truly,*** ***Collection 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
Regards,
*** ***
This business has not made any attempts to contact me since 2008. I would like a written statement from the business of this outstanding debt. I would also like to know what contact information they have on file for me
Revdex.com of San Diego4747 Viewridge Avenue, Suite 200San Diego CA 92123Attn: [redacted]Re: [redacted]Dear Ms. [redacted]:We have received Ms. [redacted]'s complaint through your office.This account has been satisfied and this matter has been...
concluded. 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.
I am not satisfied with the resolution because the company was very rude and displayed passive aggressive behavior. I am pretty sure if this has happened to me twice, then this company does this all the time to other consumers. [redacted] which is the person who I spoke to had the same attitude as the person who made the unauthorized charges. I will be pursing legal actions against the company and also will file a complaint with the CFPB.
Regards,
[redacted]
Dear Ms. [redacted]:We have received Mr. [redacted]'s complaint through your office.We received Mr. [redacted]'s account for collection February 11, 2011. A letter was sent that day advising Mr. [redacted] he had 30 days to request verification of the debt and when the account would be reported to the credit bureaus....
No request for verification of the debt was received. We spoke with Mr. [redacted] December 14, 2011 and Mr. [redacted] advised us he would deal directly with our client, [redacted]. We spoke with Mr. [redacted] again on February 14, 2012 and Mr. [redacted] advised us he would never pay the debt and advised us to “do what you got to do".We received a letter from Mr. [redacted] on October 14, 2015 requesting verification of the debt and we did send him the verification as requested to the address provided by Mr. [redacted]. Mr. [redacted] also requested we do not contact him further.There is no merit whatsoever to Mr. [redacted]'s complaint.We trust this will conclude this matter.Yours truly, [redacted] Manager
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
Revdex.com of San Diego March 5, 20154747 Viewridge Avenue, Suite 200San Diego, CA 92123Attn: [redacted]Re: [redacted]Dear Ms. **:We have received Ms. [redacted]'s continued complaint through your office.Ms. [redacted] is incorrect stating we have no made attempts to contact her since 2008. Ms.[redacted] is aware of who we represent and why we were attempting to contact her. We arenot required to supply her the information she requested.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 response addressed one of two requests, disciplinary action, and the business's response suggested that they were "advised not to publically [sic] disclose any disciplinary action taken against any of our employees." This may or may not be true; regardless this has nothing to do with request #2, the issuance of an apology by Mr. [redacted] and the company. This request for action, which has been mentioned three times to this point, has now been ignored three times in this business's complaint responses. This is evidence that the business has been showing poor faith in this process, which runs afoul of Revdex.com's practices.
Regards,
[redacted]
We have received Ms. [redacted]'s complaint through your office.Contrary to Ms. [redacted]'s complaint, we have had no prior notice that our credit report on her account was inaccurate.We updated Ms. [redacted]'s credit profile to show discharged bankruptcy in June 2013. Although very uncommon, the credit bureaus...
did not update the bankruptcy status properly. We have no explanation for that error. We have corrected Ms. [redacted]'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.
Dear Ms. [redacted], I will first give some background for you and Alternative Recovery Management (ARM). This bill that is in question are HOA fees only. I bought the property about Jun 1988 and was paying my dues until the original [redacted] broke the contract by not completing buildings they agreed to in the contract. This 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 1992 for them to comply. After 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 covenant. I do not have a copy, but please remember this was 1992 and a photocopy was not common or easily obtained. I 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 sold. I NEVER heard from [redacted] again until 2001 Evidence1. I contacted them again and restated I would NOT pay them because they broke the contract. My problem with ARM is all the inconsistencies. If 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 $6097.86 plus $321.83 in interest for a total of $6419.69. ARM contacted me and I told them the situation with [redacted] and I would not pay. ARM said they would report me to the credit agencies for nonpayment, so they did in 2004. 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 $6208.46 plus $386.12 in interest for a total of $6594.58. The amount in Evidence3 doesn't make sense for the 10 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 10 year bill. To add to the problems with ARM they sent only a partial itemized bill instead of a full itemized bill that was asked for, Evidence4. First 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 document. There are no charges shown for HOA dues as Evidenve1 shows, just "Other" charges of $70.00 and interest. It doesn't show a water fee as the original did in Evidence1 and has a section for it. You will also notice that no previous document from Evidence1 to Evidence3 showed any penalty, but now showing penalty fees in Evidence4. I do not believe this to be a genuine, accurate, and true itemized bill. The bill even shows an apparent adjustment with no reasoning. The 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, Evidence5 shows 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 NEVER. I challenge ARM to show proof of a payment by me on any date. ARM 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 Evidence3 so 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 5 years from the last payment made. Five years from 1992 has long since passed and I personally have not heard from [redacted] since 2001 and 5 years from that has also long since passed. I also am not in any "covenant" with [redacted] and haven't seen any communication claiming otherwise since we parted ways in 1992. In conclusion, you will notice that ARM didn't explain anything about the account numbers. As 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 10 years later, and reported AGAIN to the credit agency. You cannot report a duplicate debt which is why ARM had to change the account numbers as stated above. Also, how can a bill from 2004 be $6400 and ten years later after "accumulation" be $6500. As a final note, please ask ARM to show proof of last payment they reported to the credit agency as shown in Evidence5. Thank You, [redacted]
Regards,
[redacted]
We have received Ms. [redacted]'s complaint through your office.We have been dealing directly with Ms. [redacted] to resolve her concerns and issuesaddressed in her complaint. We believe we have reached a mutually agreedresolution with Ms. [redacted].We trust this will conclude the matter.Your Truly,[redacted]...
[redacted]Compliance Manager
Revdex.com of San Diego May 6, 2015[redacted]Attn: [redacted]Re: [redacted]Dear Ms. [redacted]:We believe we have appropriately dealt with Mr. [redacted]'s complaint. Mr. [redacted]'sdesire for a personal apology is not necessitated respective to his dealings with thiscompany.Yours truly,[redacted]Collection Manager