Asap Appraisals

Attached is a copy of our letter and supporting documentation that was sent to *** ***. To date, our representative has spoken with *** *** one time. Our representative tried to explain to her that she was confusing this private student loan with her federal student loan. She
replied, "I will have my attorney deal with this", and huwithout providing her attorney's name and phone number. *** *** needs to provide PBCM with her attorney information. Per her request, she will not receive another call from PBCM

Complaint: ***I am rejecting this response because: The information provided to you by Professional bureau of collections is incorrect! This company has never given me nor *** the name "*** ***" as the debt collector that had sold this debt to themThey have not contacted *** requesting that it be removed until they can determine and verify that this is in fact a scam and not at all a debt that I owe! I have been in contact with *** on a daily basis and they are unaware of any such recommendation made by this company to have it removed from my report until further facts are presented to insure that this is in fact a debt of mineThey cannot provide this info because they cannot prove this is my debt in any way shape or form! I have found thru my investagations that this account was originally opened in I have been a *** customer for over years*** would have never allowed any customer to owe this much money and still allow them to maintain an open account! I did add **to my name just to make sure this company is aware that there is a *** out thereCould this be his account? Maybe! I expect and truly believe this to be complete fraud and or wrongful alligations against my name and my reputation, along with a judgement against my credit report! Sincerely,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
I was under the impression that all of my loans had been consolidated, But somehow this one was not includedI am only able to pay $a month on these
Sincerely,
*** ***

Please forward a complete copy of the bankruptcy

Complaint: ***
I am rejecting this response because:What needs to be done is..all calls reviewed, honor what was offered(PRIOR TO TAKING MY PAYMENT), update credit
Sincerely,
*** ***

As stated previously, in order to avoid wage garnishment, Ms*** has days from 5/18/2018, to set up a payment plan/resolution

Initial Business Response /* (1000, 6, 2015/09/08) */
September 8,
Revdex.com of Denver/Boulder
Cherokee St
Denver, CO XXXXX-XXXX
Re: Mr*** ***
Case #: XXXXXXXX
RE: *** ***
Dear Revdex.com,
Professional Bureau of
Collections of Maryland, Inc("PBCM") is in receipt of your notice of a complaint from Mr***
We would like to thank you for bringing this matter to our attentionWe value customer feedback and strive to improve both as a company and representative for our clients
The account is settled in full in our system and the credit bureau should reflect a settled status as wellPlease let us know if we may be of further assistance in this matter
Sincerely,
*** ***
Quality Assurance Manager
Professional Bureau of Collections of Maryland, Inc
DTC Parkway
Greenwood Village, CO XXXXX
Phone (XXX) XXX-XXXX ext
Initial Consumer Rebuttal /* (2000, 8, 2015/09/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

*** *** is the current creditor that owns the account. *** assigned the account to our agency for collection. Our agency did not purchase it. As stated in our first response, our agency has notified the credit bureau to remove the account until the dispute is resolved. The credit bureau can take up to days to process an update on an account We cannot expedite that process Lastly, the reason why we notified *** that there is a *** ***, ***, is because we feel it may be possible that this account could belong to him. At this point in the dispute process, we are unable to provide any additional information to Mr***

Our agency received Ms*** delinquent student loan in November 2016. We sent her our first letter on November 26, 2016. In August of 2017, she received another letter notifying her that she had days to respond to a pending garnishment. She was notified of all requirements
and payment needed to avoid further action. She did not return our calls until September 29th. We were not able to get her back on the phone until October 2nd, which was past the day limit. Regarding her credit report, our agency does not report for the Department of Education

The attached documents were sent to *** *** *** *** address on 9/18/ If they were not received, please provide an updated address

Ms*** has two delinquent accounts with *** *** ***, LLC. The accounts are the result of two different disbursements made on her behalf to the *** of *** at ***. Attached are copies of the loan documents from the original creditor,
*** *** ***. Ms,*** had been making regular monthly payments on both accounts up until December 2017. The following are the current details of both accounts: ACCT #: ***Assigned Balance: $5,287.93Current Balance: $4,097.14 ACCT #: ***Assigned Balance: $5,612.72Current Balance: $4,

Complaint: ***
I am rejecting this response because:The information provided in the response is PARTIALLY trueThe conversation described above is in regards to ONE of the MANY conversations that I've had with their company representativesUnfortunately it wasn't the initial conversation where a settlement, expectations, and future actions were discussed! I would like for the company to do their due diligence before replying by playing ALL of the conversations that I've had with them within a week's time frame of me making the paymentI'm certain they will find the call where the representative went back and fourth between the manager and I as I asked specific questions about the credit reporting and I was informed that the manager could due the reporting b/c they have legal ownership of the account.As it relates to the payment, that information is AGAIN PARTIALLY correctThere was an issue with my check(bank error) HOWEVER on 12/1/immediately after receiving an email from my bank about an error with a check(wasn't merchant specific) I reached out to the collection companyI explained the email, asked the representative to look into my payment, and was VERY CLEAR that I didn't want it to be any future issues nor give the impression that I was going against our agreementI offered to make a DEBIT card payment at that time! I was assured that everything was fine with my payment, only to receive a call several days later about the exact issue that I tried to preventBut they're not proactive as whole!AGAIN, please do the necessary due diligence and provide full and accurate responses
Sincerely,
*** ***

Mr***'s delinquent account was placed with our agency in 2016. In July 2016, we spoke with Mr***s and sent a letter regarding his account. Mr***s refused payment and said, "he would pay when he feels like it". Per his recent request, we have removed his phone numbers from
the account and notified the creditor of his request for an invoice

We regret that *** *** is unsatisfied with our response to his complaint, however, we do not have any additional information to provideWe have reviewed the additional comments he submittedOur response remains unchanged

Revdex.com Serving Denver/Boulder EFlorida Ave., SteDenver, CO Re: *** *** *** Case #: *** RE: *** *** Dear Revdex.com, Professional Bureau of Collections of Maryland, Inc(“PBCM”) is in receipt
of your notice of a complaint from *** *** We would like to thank you for bringing this matter to our attentionWe value customer feedback and strive to improve both as a company and representative for our clients PBCM spoke with *** *** in December when he mentioned he had previously paid this loan off. *** *** stated he would confirm with the loan originator and follow up with usWe hadn’t heard from *** *** until now and are in the process of requesting information from our clientOnce the information is received we will send it to *** *** Sincerely, *** *** Quality Assurance Manager Professional Bureau of Collections of Maryland, Inc*** *** ***
*** *** ** ***
*** *** *** *** ***

Complaint: ***
I am rejecting this response because: We moved around the time frame the said "notification" was sentWe received no such notificationWe therefore did not have ample time to appeal this intentionNo valid contract exist expressing authorization for this company to collect on the supposed debtWe sent a request asking for this company to provide validation of the debt, a definitive balance, as well as when they were given authorization to excercise collection efforts, no response was sent
Sincerely,
*** ***

Since December 2017, our? agency has been attempting to help Ms*** resolve her delinquent student loanOur attempts to discuss the loans with her have not been successful.? To date, Ms*** has phoned our office three times; only one of which a message was left for a return
call.? The voice message was left two days ago.? Our agent is attempting again to reach her by phone.? On May 18th, her loans were submitted for Administrative Wage Garnishment (AWG).? On the same date, a notice? was sent to notify her that? the AWG process has been started.? ? Per the notice, in order to avoid wage garnishment, Ms.*** has days from the date of the notice (5/18/2018), to set up a payment plan/resolutionRegarding her credit concerns, our agency is not reporting her loans to the credit bureau.? The U.SDepartment of Education is reporting the loans.? Our agency does not control or determine what is being reported on her credit.? ? Tell us why here

Ms*** will not receive phone calls from PBCM at her place of employment

As previously mentioned,? we have asked the creditor to provide detailed account documentation.? Once received, we will forward copies to *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
I accept the arrangement.? I hope any further conversations concerning this matter will be conducted with respect and understanding.? If the conversation cannot be conducted with common sense then I will contact the Revdex.com for assistance again!
Sincerely,
*** ***