Applied Bank

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The creditor did not verify or validate the debt.  
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account in reference to this complaint.       
 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account that you are reporting in my credit report.  Please send me copies of the documents that you have in your files that were used to verify this with the Credit Reporting Agencies.  If you do not have any documentation in your files to verify the accuracy of the accounts then please delete them immediately as required under Section611(a)(5)(A)(i).  By providing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.  Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the accounts listed below within  15 days of receipt of this letter then you must delete these accounts from my credit report. 
  Please provide me with a copy of an
updated and corrected credit report showing these items removed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I have talked to Mrs. [redacted] who is very understanding and was very helpful to resolve this matter in a very fair and kind way!! Thank you all for your help!
Regards,

September 29, 2017
 
I am writing in regards to your September 26, 2017 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with Mr. [redacted] via...

written correspondence mailed on September 29, 2017. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at ([redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,
[redacted] Executive Correspondence

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I revieweose, we would like to know your view on I did speak to the company on the phone.  The woman could not offer me the account number of this account.  She said that the account and statements were sent to my address, but then she said they did not have my apartment number in their records.  This is not my debt and I should not be responsible.  She offered a settlement of about 75 percent of the debt but I don't feel I should have to pay anything.
Regards, [redacted]
[redacted]

October 9, 2015
I am writing in regards to your September 30, 2015 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with Mr. [redacted] via written...

correspondence mailed on October 12, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

September 7, 2016
I am writing in regards to your September 1, 2016 inquiry concerning Ms. Crystal [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with Ms. [redacted] via written...

correspondence mailed on September 8, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

Problem:
Im contacting your in regards to account [redacted] ## that appears on my credit. The SOL has expired and these items should be removed from my credit. Please provide the follow : 1- Proof that I am the debtor in question 2- Verify amounts owed and the breakdown of the amount owed 3- Any transactions with the original creditor 4-Verify the original creditor 5-Proof that you are licensed and bonded to collect in the state of GA 6- Proof that the SOL has not expired on this alleged debt 7- Any Judgements (if applicable) 8-Proof that you own this debt and are entitled to collect on it Any other sufficient documents that will support your claim.
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Desired Resolution / Outcome
Desired Resolution:
Correction to a credit report
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Desired Outcome:
II'm contacting your in regards to account [redacted] ## that appears on my credit. The SOL has expired and these items should be removed from my credit. Please provide the follow : 1- Proof that I am the debtor in question 2- Verify amounts owed and the breakdown of the amount owed 3- Any transactions with the original creditor 4-Verify the original creditor 5-Proof that you are licensed and bonded to collect in the state of GA 6- Proof that the SOL has not expired on this alleged debt 7- Any Judgements (if applicable) 8-Proof that you own this debt and are entitled to collect on it Any other sufficient documents that will support your claim.

January 22, 2016
I am writing in regards to your January 11, 2016 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with Mr. [redacted] via written...

correspondence mailed on January 25, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,
[redacted]

January 30, 2017 : I am writing in regards to your January 23, 2017 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. [redacted] via written correspondence...

mailed on January 31, 2017. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly. Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, [redacted]

July 6, 2017 [redacted]
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[redacted]deauRevdex.com File#: [redacted] I am writing in regards to your June 30, 2017 request for additional information concerning Mr. [redacted].  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention. We have address this matter directly with Mr. [redacted] via written correspondence mailed on July 6, 2017.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact Mr. [redacted] directly. Please contact the Executive Correspondence department Toll-free as [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely,  
[redacted]Executive Correspondence Tell us why here...

April 7, 2014  I am writing in regards to your March 25, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with [redacted] on April 7, 2014 via...

written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely[redacted]

August 8, 2016
I am writing in regards to your July 25, 2016 inquiry concerning Ms. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with Ms. [redacted] via written...

correspondence mailed on August 8, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,
[redacted]

March 5, 2014 I am writing in regards to your February 13, 2014 inquiry concerning [redacted] The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with [redacted] on March 5, 2014 via written...

correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. Neri directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

December 18, 2014I am writing in regards to the December 18, 2014 follow-up inquiry regarding [redacted].
On December 17, 2014 the Bank mailed a letter to [redacted] addressing his concerns. However, on December 18, [redacted] indicated to the Revdex.com that the matter was not resolved. The Bank did attempt to contact [redacted] via email and left several voicemail messages. No response has been received as of yet. If [redacted] still has concerns after reviewing the Bank’s December 17 response, we will address his concerns at that time.
Please contact me Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.
Sincerely,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 
[redacted], please be advised that I have not received any correspondence, mail or email, from Applied Bank.  Instead, they sent me another invoice with the $15 fee included.  Kindly reopen my complaint until I receive proof that they were legally authorized to raise my APR to 29.99 percent and impose a $15 monthly charge.  As outlined in my original complaint below, I firmly believe this is "deceptive business practice" and will take whatever letter they provide justifying their their actions, to the AG's Office, Banking Commission, FTC, US Government...(etc), to have them refund my hard earned money.

September 30, 2016 I am writing in regards to your September 12, 2016 inquiry concerning Ms. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. [redacted] via written correspondence...

mailed on September 30, 2016. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly. Please contact the Executive Correspondence department Toll-free at[redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, [redacted]

July 15, 2015
I am writing in regards to your July 15, 2015 inquiry concerning Ms. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.
We have addressed this matter directly with Ms. [redacted] via written...

correspondence mailed on July 16, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly.
Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.
Sincerely,
[redacted]