Aqua Care

The business, Key recovery emailed me a copy of the original collection letter with an added paragraph which states, "The client listed above has agreed to settle your account in full for $to be paid on or before August 8, 2017. Your payment was received and applied and the file is closed in our office as settled in full". This addition to the collection letter is what I was asking them to supply and it resolves the complaint. Thank you for your assistance in this matterIt is much appreciated

As indicated in the complainants response the letter sent is
in fact a receipt of paymentI have no idea what the complainant is wanting
other than a receipt of payment as originally requested

Validation of the debt was requested of our client, received and mailed to complainantComplainants delinquent balance is being reported to the credit bureau until it is resolvedThe debt has been validated as being a just and binding debt and the balance owed has been confirmed. Tell
us why here

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The is the same debtI understand it is not from *** ***, but that was what it was listed as for ***That is who we spoke with who could not identify the debt*** *** and *** *** both use ***for recovery of debtI will agree to work with Key2Recovery to resolve this debt as I am over trying to defend myself for a mistake of another companyHowever, they are trying to charge me an additional $2000+ in collection fees and by law, in the state of Tennessee, Unless it is noted in the signed documents which it was not in the documents received) a collection agency is not allowed to charge any additional fees other than interest
Regards,
*** ***

Everything was already handled prior to them receiving the accountThat is why I am frustratedI had company called *** *** who already researched the situatios and this account was removed from my credit previouslyThen some how these people got it and refuse to listen to meI explained this entire story to every single person I talked with over the phone.they have not contacted me since the complaint, so I appreciate that

Messages were left for complainant five times, once per day, at the phone number we received from our client to contact the complaiantOn July seventh the complainant answered the phone and promised to make payment and said she would call back with a credit card to set up paymentNo call
was received and a message was left on July On July the file was skiptraced for other possible contact phone numbers and messages were left at possible phones, no contact was made at any of the phonesMessages were left once per day at given home phone, and a possible cell phone which never answered,with no contact was made at the cell phoneOn August fourth additional skiptracing took place locating another possible number for the complainant at which time an unknown person said they knew the complainant and would leave her a message to return our callTwo hours later the complainant called back and had multiple conversations with representatives and managers and ended up settle her account and paying it that day. No disclosure was made with any unauthorized party, the account is satisfied and closed in our office at this time

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.I have spoken to an individual at the business and they had my phone number. Today, I was disrespected and treated rudely by the operator. Regards,[redacted]

Revdex.com spoke with business and business indicated that the debt is for [redacted] and is asking if the consumer has received the validation with signature that was sent to her and if she has any documentation regarding the debt for [redacted] (payments made, or information indicating that she does not owe this debt).

We had attempted to explain the account in our office and clarify our client's position to no avail. Since he stated he wants no further contact from our office I have closed the file back to our client with our recommendation.

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.
I have asked for written resolution and the company has agreed.  They state they sent an email but say it may have been "delayed".  How does an email get delayed for 2 weeks?  I request that this company do as they said they would and send me via USPS or email the requested statement that this account has been PAID IN FULL AND NO MONEY IS DUE ON THIS ACCOUNT. Until they do what they said they would do, this case is not resolved.  
Regards,
[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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Complainants account was placed with our firm on 6/26/15 as a just and binding debt. He did attend [redacted] and his last date of attendance was 8/4/14 where he withdrew after the deadline to receive any type of refund. Any financial aid he applied for through the [redacted] form through the...

Department of Education was returned to the DOE by [redacted] per the DOE's protocol within the [redacted] loan programs thus creating a receivable balance due to the institution. [redacted] then sold this receivable balance and the account was placed here for collection.

Our office has made phone contact with [redacted] and have subsequently delivered an email from our office stating her settlement payment was received by on our office on behalf of our client. Her account, in our office now has a zero balance and has been presented to our client as settled in full.

Revdex.com:I have attached...

documentation proving my case.  Key2Recovery states  "The settlement balance  described was paid with a check. The letter the complainant has received, along with either, the canceled  check, or the bank statement reflecting  the payment being  made, is proof of payment."  My documentation shows that I paid with a cashier's check.  I have a note on the cashier's check stating the intended use of the money.  However, my note does not in any way constitute a legal payment.  Literally, there is no proof that I sent the cashier's check to Key2Recovery.  You will see by the documentation that I have asked repeatedly for a receipt for the amount paid showing the balance is zero.  Is it so incredibly hard for this company to issue a receipt for payment received???  All I want is a receipt, that's it.  I want proof from them that the amount has been paid and there is NO balance.  They are refusing to issue this.  Why?  Their refusal to issue this receipt is obvious proof of their intention to try and collect more money.  I will NOT let go of pursuing this request even if I have to sue them for it.  I want a piece of paper on their letterhead stating the full amount was paid and the BALANCE IS ZERO.  It isn't that hard. 
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,
[redacted]

[redacted],  Attached are the documents provided by our client showing the signature on the promissory note along with the ledger describing each transaction. On the promissory note under item VII (Promise to pay) it explains that the borrower is responsible for all fees incurred including interest and collection cost. When it comes to reporting to the credit burea we services hundreds of clients and all handle reporting differently. Some do not report at all, some do report and do not want us to report. This client does not report and our agreement with them is we will report for them. Any lender has the ability to report a delinquent debt for seven years. The last activity on this account, as shown on the ledger was May 2014, which is within seven years and legally able to be reported. I hope this answers any questions and look forward to hearing from you soon.Thanks,Carmen C[redacted] Key 2 Recovery, Inc. 8894 Beckett Road West Chester OH, 45069 O [redacted], F 513-874-3037 [email protected]

The settlement balance  described was paid with a check. The letter the complainant has received, along with either, the canceled  check, or the bank statement reflecting  the payment being  made, is proof of payment.

The word “fraud” was never used by the complainant in any conversation with our office. An attempt was made to construct a time line of events to corroborate her claim, but the complainant was so agitated and uncommunicative she would only state she will continue to make complaints until the file was closed. As stated earlier we had provided validation which included the complainants name address social security number, date of birth and signature. I have not heard back with any claim it is not her signature.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it....

 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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, pending return of my money. I appreciate the response given from Carmen, and the acknowledgement of this error. He was the only one to understand the error made and was appropriate in fixing it. I hope the representatives at fault will take this as a learning experience and not deceive and undermine their customers. 
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I also have absolutely no idea why this was opened and apparently started all over again.  As I have uploaded and indicated in my statement, THIS IS RESOLVED. There is  no more need for any contact or resolution.  Please check your records and note that this has been resolved. 
Regards,
[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.
The gentleman who called me was extremely rude and asked if it was my social #, I agreed it is but I explained it was a fraud issue by the school. He wantedwto argue with me that they do not buy accounts. II do not know how their business operates nor does it matter. They issue is, the company who "hired" them to contact me already had came to the conclusion that the debt was not associated with me. This issue was resolved with the help of [redacted] at [redacted]. If [redacted] was able to find that I was not reliable and removed it from my credit, then how am I responsible. These people love trying to ruin your day and life for that matter. This is fraud.
Regards,
[redacted]