AscensionPoint Recovery Services, LLC

Initial Business Response / [redacted] (1000, 5, 2015/12/08) */ December 8, Ms [redacted] Revdex.com of Minnesota and North Dakota Gannon Road StPaul, MN Re: Case No.: [redacted] Our Ref No.: [redacted] Complainant: [redacted] /Estate of [redacted] Dear Ms [redacted] : Thank you for bringing this matter to our attentionPlease forward our apologies to Ms [redacted] and her family for any inconvenience our communications may have causedWe take consumers' concerns about unwanted communications seriously and will immediately cease further contact once we have been made aware of the concernWe respect and appreciate any consumer's right to not be contacted by us, and honor that right as soon as we are asked to discontinue communications I acknowledge phone calls were made to Ms [redacted] by our officeWe attempt to contact individuals who may have been family members of a decedent in order to discover whether a probate has been or will be filed and the identity of the Executor of the EstateWe are permitted, pursuant to the Fair Debt Collection Practices Act § 804, to perform location communications, such as calls or letters, to locate the consumer, which includes an executor (FDCPA § 805(d))Please also see the Federal Trade Commission's Statement of Policy Regarding Communications in Connection with the Collection of Decedents' Debts which allows collectors to communicate with third parties to identify the individuals with the authority to pay the decedent's debts from the assets of the estate In light of that, our office first called a number ending in [redacted] and learned from an unidentified female that the number did not reach the authorized party with whom we needed to speakNo further calls were placed to the [redacted] numberTwo calls were placed to a number ending in ***, which also resulted in an unidentified female informing our office that said number did not reach the authorized partyNo other calls were made to this number as well On 11/4/15, we contacted a number ending in [redacted] and spoke to an unidentified female whom we now presume to have been Ms***On said call Ms [redacted] advised our office she was not the authorized party, advised of her relation, and asked we remove the [redacted] number from our recordsAccordingly, no further calls were placed to the [redacted] numberOn 11/24/a call was placed to a number ending in ***, but the unidentified female on the phone simply indicated she did not know the decedentNo other calls were placed to the [redacted] numberOn 11/25/15, our office called a number ending in [redacted] and spoke again with an unidentified female, whom we also now presume to have been Ms***During this call, Ms [redacted] asked we stop making calls to any number we might have for her or her familyNo further calls were placed to the number ending in *** Please accept this as confirmation that Ms***'s numbers ending in [redacted] and [redacted] were added to our internal Do Not Call list and that the account has been returned to our client so neither she nor her family will hear from our officeAgain, our sincerest apologies to Ms [redacted] and her family for any inconvenience our communications may have caused Please feel free to contact me if there are additional questions or concernsI may be reached at [redacted] Sincerely, Daniel [redacted] Senior Estate Attorney AscensionPoint Recovery Services, LLC Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/16) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2015/06/18) */ June 18, Ms [redacted] Revdex.com of Minnesota and North Dakota Gannon Road StPaul, MN Re: Case No.: [redacted] Our Ref No.: [redacted] Complainant: [redacted] /Estate of [redacted] Dear Ms [redacted] : Thank you for bringing this matter to our attentionPlease forward our apologies to Ms [redacted] for any inconvenience our communications may have caused her or her familyWe take consumers' concerns about unwanted communications seriously and will immediately cease further contact once we have been made aware of the concernWe leave voicemail messages on how to have phone numbers removed, and also provide information online to contact our Compliance Department about unwanted communications from usWe respect and appreciate any consumer's right to not be contacted by usWe honor that right as soon as we are asked to discontinue communications Regarding the account at issue, Ms [redacted] notified our client on or about 5/23/that Mr [redacted] was deceasedThe account was then placed with us on 5/27/because we are one of two probate collection agencies that handle accounts where the customer is deceasedWe spoke with an unidentified female, whom we now presume to be Ms [redacted] , on 5/29/15, 6/1/and 6/10/On the 6/10/call, she asked us not to call again and stated she was on a "Do Not Call" listWe immediately placed her account in a cease status and added her phone number to our internal "Do Not Call" list (i.ethe national Do Not Call Registry cannot be accessed by collection agencies since we are not telemarketers) About an hour later we received an inbound call from a [redacted] asking us to no longer call that phone numberWe confirmed with him that the account was flagged as a cease account from the previous phone call that day which is why our representative had to ask him at the beginning of the call for permission to communicateNo calls have been made since we were asked to stop calling on 6/10/which was the first time we were asked to place the number on the Do Not Call listPlease accept this as confirmation that Ms [redacted] 's number ending in [redacted] was added to the Do Not Call list on 6/10/and that the account has been returned to our client so she should no longer hear from our office Please feel free to contact me if there are additional questions or concernsI may be reached at [redacted] Sincerely, Thersia [redacted] Compliance Attorney AscensionPoint Recovery Services, LLC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12466263, and find that this resolution is satisfactory to me.thanks for your help

Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ July 1, Ms [redacted] Revdex.com of Minnesota and North Dakota Gannon Road StPaul, MN Re: Case No.: [redacted] Our Ref No.: [redacted] Complainant: [redacted] /Estate of [redacted] Dear Ms [redacted] : This letter is in response to the complaint filed by Ms [redacted] We wish to extend our apologies to Ms [redacted] for any inconvenience caused by our delay in obtaining statements from our clientAs we explained several times in our communications with Ms [redacted] , we have no control over how long it takes our client to obtain and send statements to usDuring our first conversation with Ms [redacted] on 3/24/15, she stated she had already spoken with a couple of individuals and requested statements from them but was advised to speak with us about itWe informed her during the first call on 3/24/that it could take days to receive the statementsMs [redacted] called in again on 3/31/and we confirmed that we put in the request already and confirmed it could take daysShe estimated it should come around 5/24/and we let her know it is ok to follow up with us if she has not received them by thenShe called on 5/11/and we let her know we are still waiting for the statements and that it can take weeks sometimesThe representative then explained she will have her manager review and call Ms [redacted] backMs [redacted] called back on 5/21/since no one had called her backThe representative transferred Ms [redacted] to her manager who explained she will have a second request made since it does not normally take this longA second request was made for statements on 5/25/ Ms [redacted] called in several more times on 6/10/15, 6/12/and 6/15/Each time she spoke with either a Compliance Specialist or Supervisor from our Help Desk Department who all informed her of explanations provided to her previouslyMs [redacted] then contacted me via emailI provided the same explanation and have attached a copy of the email exchange for review Ms [redacted] has communicated with representatives, managers, compliance specialists, supervisors and the Compliance Attorney (the "customer contact" noted in her complaint) who handles Complaint ManagementWe understand that Ms [redacted] is unhappy with the explanations provided to her but regardless of the level or authority of the person she speaks with, the explanation is consistent because it is the truth Please feel free to contact me if there are additional questions or concernsI may be reached at [redacted] Sincerely, Thersia [redacted] Compliance Attorney AscensionPoint Recovery Services, LLC Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have asked for the Citibank client information so I can move this forwardThey refuse to give me this contact informationI am simply trying to close an estate Final Consumer Response / [redacted] (2000, 11, 2015/07/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I had to email the president of Citibank in order for this issue to be resolved but yes I did get a call from citi and have received the statements Thank you for your assistance Final Business Response / [redacted] (4000, 9, 2015/07/13) */ July 13, Ms [redacted] Revdex.com of Minnesota and North Dakota Gannon Road StPaul, MN Re: Case No.: [redacted] Our Ref No.: [redacted] Complainant: [redacted] /Estate of [redacted] Dear Ms [redacted] : We are pleased to report that our client has sent the statements directly to Ms [redacted] so she should receive them any day now if she has not received them alreadyMs [redacted] is welcome to contact us directly after she has reviewed the statements to let us know how she would like us to handle the accountWe thank her for her patience and apologize for the length of time it took her to receive the statements from our client Please feel free to contact me if there are additional questions or concernsI may be reached at [redacted] Sincerely, Thersia [redacted] Compliance Attorney AscensionPoint Recovery Services, LLC

April 29, 2016Ms [redacted] Revdex.com of Minnesota and North DakotaSRiver Ridge Cir.Burnsville, MN 55337Re:The Complaint of: Ms [redacted] Your File No.: [redacted] Our File No.: [redacted] Dear Ms [redacted] ,Thank you for bringing this matter to our attentionPlease forward our apologies to Ms [redacted] for any inconvenience our communications may have causedOur intent was not to upset Ms [redacted] by contacting herRather, we are a collection agency specializing in deceased accounts and were simply attempting to locate an executor or otherwise authorized representative for an estate.Indeed, we are permitted, pursuant to the Fair Debt Collection Practices Act § 804, to perform location communications, such as calls or letters, to locate a consumer, which includes an executor (FDCPA § 805(d))Please also see the Federal Trade Commission’s Statement of Policy Regarding Communications in Connection with the Collection of Decedents’ Debts, which allows collectors to communicate with third parties to identify individuals with the authority to pay a decedent’s debts from the assets of the estate It appears Ms [redacted] ’s primary concern relates to how we obtained her telephone numberOur office utilizes various legal methods and services to locate only public information possibly associated with an account placed in our officeAll information obtained is public information and we never disclose the public information obtained to any unrelated third partiesThe public information obtained is only used to contact those parties most closely relevant to our searchesIn this instance, Ms [redacted] ’s telephone number was legally obtained as a possible telephone number for an executor or otherwise authorized representative for an estateThrough our conversation with Ms [redacted] on April 28, 2016, our office learned Ms [redacted] was not the executor or otherwise authorized party, but did have an indirect connection to the decedent through her spouseAfter this call, our office placed the number called (ending in ***) for Ms [redacted] on our internal “Do Not Call” list so she will no longer hear from our office regarding this matter.Again, please extend our sincerest apologies to Ms [redacted] for any inconvenience or confusion our communications have caused Please also feel free to contact me if there are any additional questions or concerns I may be reached at ###-###-#### Sincerely, Dan [redacted] Senior Estate AttorneyAscensionPoint Recovery Services, LLC

July 26, 2017Ms [redacted] Revdex.com of Minnesota and North DakotaSRiver Ridge Cir.Burnsville, MN Re: The Complaint of: Mr [redacted] *** Your File No.: [redacted] Our File No.: [redacted] Dear Ms [redacted] ,Thank you for bringing this matter to our attention and please accept this response on behalf of AscensionPoint Recovery Services, LLC, as an apology for any inconvenience or confusion our communication may have caused Mr***We are a collection agency specializing in deceased accounts and were attempting to locate an executor or otherwise authorized representative for an estateIn so doing, we take consumers’ concerns about unwanted contacts very seriously the moment we are made aware.In this instance, it appears we may have received incorrect information in our officeAccordingly, and as a result of this notification, we have updated our records to reflect the information provided, will notify our client of this occurrence, and return our file to our client to prevent any additional communication with Mr***We take requests to cease communications very seriously and welcome the opportunity to ensure Mr***’ concerns are fully addressed.We trust these actions will satisfactorily address Mr***’ concerns at this timeAgain, please extend our sincerest apologies to Mr [redacted] for any inconvenience causedIf there are any additional questions or concerns, please feel free to contact me at ###-###-#### or ###-###-####, extension ***.Sincerely, Dan [redacted] Assistant General CounselAscensionPoint Recovery Services, LLC [redacted] – Cn Rapids, MN 55433Main: ###-###-####Fax: ###-###-####

May 4, 2016Ms [redacted] Revdex.com of Minnesota and North DakotaSRiver Ridge Cir.Burnsville, MN 55337Re:The Complaint of: Ms [redacted] Your File No.: [redacted] Our File No.: [redacted] Dear Ms [redacted] ,Thank you again for bringing this matter to our attentionPlease thank Ms [redacted] for the clarification and again extend our sincerest apologies for the misunderstandingAs noted in our prior response, our office placed the number called for Ms [redacted] (ending in ***) on our internal “Do Not Call” list so she will no longer hear from our office regarding this matterAdditionally, we have also closed the file in our office and returned it to our client.Again, please extend our sincerest apologies for any inconvenience or confusion our communications have caused Please also feel free to contact me if there are any additional questions or concerns I may be reached at ###-###-#### Sincerely, Dan [redacted] Senior Estate AttorneyAscensionPoint Recovery Services, LLC

Re: Case No.: *** Our Ref No.: *** Complainant: *** ***/Estate of *** D***Dear Ms***:Thank you for bringing this matter to our attention. Please forward our apologies to Ms*** for any
inconvenience our communications may have caused. It was never our intent to upset her by contacting her regarding her husband's estate. We take consumers' concerns seriously and will immediately work to remedy a situation the moment we have been made aware of a concern. Regarding Ms***'s concerns, our client placed an account with our office for the late *** D*** on or about December 23, with a balance of $512.71. As we are a collection agency specializing in deceased accounts, our role is to attempt to locate a probate, executor or otherwise authorized representative of an estate to determine whether estate assets are available for resolution. Accordingly, we sent a letter to the last known address attempting to locate the executor or authorized representative on or about December 28, 2015, which we have learned did not reach Ms***. Similarly, our telephone contact attempts were unsuccessful. Notwithstanding, our office received a telephone call from Ms*** on March 14, where she requested a detailed accounting establishing the amount then due ($437.71). Of concern to Ms*** were payments made totaling $75.00, which our representative confirmed were received and applied to her account. Ms*** requested at that time, as she does now, to receive a detailed accounting of the amount due. Our office requested those documents from our client, but to date, have not yet received them. Please accept this letter as an assurance that once those documents are received, they will be forwarded on to Ms*** at the address we have on file (which she confirmed to be correct). I would not that our client recently recalled this matter from our office, so Ms*** may wish to contact our client directly for further assistance as well. Again, weapologize for any inconvenience to Ms*** during this process, and wish to extend our sincerest condolences for the loss of her husband. Please feel free to contact me if there are any additional questions or concerns. I may be reached at ###-###-####. Sincerely,Dan ***SrEstate AttorneyAscensionPoint Recovery Services, LLC

August 25, 2017Ms*** ***Revdex.com of Minnesota and North DakotaSRiver Ridge Cir.Burnsville, MN 55337Re:The Estate of *** ***Complaint ID ***Our Ref No2760897Dear Ms***:Thank you for bringing this matter to our attention and please accept this
response on behalf of AscensionPoint Recovery Services, LLC, as an apology for any inconvenience or confusion our communication may have caused Ms***We are a collection agency specializing in deceased accounts and were attempting to locate an executor or otherwise authorized representative for an estatePrior to our receipt of Ms***’s complaint, our office was unaware of the facts presented therein.However, because we take consumers’ concerns about unwanted contacts very seriously the moment we are made aware and always strive to ensure concerns are wholly addressed, please be advised that we have notified our client of this occurrence, updated our file to prevent further communications to Ms***, added telephone numbers that we have on file (ending in *** *** *** *** to our internal Do Not Call list, ceased further activity and will return this matter to our clientWe trust these actions will satisfactorily address Ms***’s concerns at this time.Again, please extend our sincerest apologies to Ms*** for any inconvenience causedIf there are any additional questions or concerns, please feel free to contact me at ###-###-#### or ###-###-####, extension ***.Sincerely, Dan ***Assistant General CounselAscensionPoint Recovery Services, LLC

December 19, 2016Mr*** *** *** ***Wingdale, NY 12594Re: The Estate of: *** J***Our Ref No.: ***Dear Mr***:Thank you for bringing this matter to our attentionPlease accept our apologies for any added stress our communication attempts may have
caused, as well as our sincerest condolences for the loss of your motherIt was never our intention to upset you, or anyone, through our attempts to contact the correct person handling the affairs of the above-referenced EstateWe take consumers’ concerns very seriously and strive to resolve them as soon as they are received.To provide some background, we are a collection agency specializing in deceased accountsA client placed a matter in our office and we were simply attempting to locate an executor or otherwise authorized representative for the EstatePlease see the Federal Trade Commission’s Statement of Policy Regarding Communications in Connection with the Collection of Decedents’ Debts, which allows telephone calls and letters to third parties to identify individuals with the authority to pay a decedent’s debts from the assets of the estateAt no time were we ever attempting to contact anyone in their personal capacity regarding a matter in our office.In light of the information provided, we have updated our file to cease any further communications regarding this matter, we will be closing the file in our office and will notify our client of your concernAccordingly, you will not be receiving any further communication from our office regarding this matterThank you for your continued patience and assistance in this matterWe are sorry if we contributed to any burden placed upon you during this time and again wish to extend our sincerest condolences for your lossPlease feel free to contact me directly if there are any additional questions or concerns and I will do my best to try to assist you with themI may be contacted toll free at ###-###-####, extension ***. Sincerely, Dan ***Assistant General CounselAscensionPoint Recovery Services, LLC

Initial Business Response /* (1000, 8, 2015/08/31) */
August 31,
Ms*** ***
Revdex.com of Minnesota and North Dakota
Gannon Road
StPaul, MN
Re: Case No.:***
Our Ref No.:***
Complainant:*** ***/Estate of *** D ***
Dear Ms
***:
Thank you for bringing this matter to our attentionPlease extend apologies to Mr*** *** on behalf of AscensionPoint Recovery Services, LLC for any misunderstanding our communications may have caused himAs Mr*** correctly pointed out in his complaint, we filed a creditor's claim against the incorrect *** D*** estateWe initially filed our claim with Warrick County Probate Court in Indiana, but they informed us on 8/11/that they have no record of a *** D *** estateWe soon discovered that the probate court that had an estate for *** D *** was Greene County in IndianaWe, accordingly, filed a claim with Greene County and sent a letter to the estate attorney amending the county from Warrick to Greene on 8/13/
On the same day, 8/13/15, Mr*** called us and confirmed that his father, *** D ***, whose estate was filed in Greene County, was not the same *** D *** that we have on fileOur claim filing department, however, already had the filing of the amended claim in process at the time Mr*** spoke with our representativeOur representative did not know that an amended claim was being filed otherwise he would have informed Mr*** during their telephone conversations on 8/13/Instead, our representative had the account researched for possible filing of claim against the wrong estateWe confirmed we filed against the wrong *** D *** estate and filed a Withdrawal of Claim on 8/25/A copy of the Withdrawal is submitted along with this complaint response
Again, we wish to extend our apologies to Mr*** for any misunderstanding on our partWe do not come across two decedents with the same name and middle initial who lived in the same state too often so we hope Mr*** can understand it was not our intent to upset him with our communicationsWe sincerely appreciate his assistance and encourage him to reach out to us should he need anything else in the future
He may feel free to contact me directly if there are additional questions or concernsI may be reached toll free at 888-806-9073, extension
Sincerely,
Thersia ***
Compliance Attorney
AscensionPoint Recovery Services, LLC
Initial Consumer Rebuttal /* (2000, 10, 2015/09/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Ok Thank you for canceling this claim! The only reason that you filed the second claim changing the county to Greene is because my husband informed you that my father n law was from Greene CoYou continued to try to collect a debt that you KNEW was not ours! I should NOT have had to go to the Revdex.com with this! This is not the first time your Co has tried to collect debts that were false!! Anyway Thanks for withdrawing this Claim

Thank you for bringing this matter to our attentionPlease accept this response on behalf of AscensionPoint Recovery Services, LLC, as an apology for any inconvenience or stress our communications may have caused Mr*** or his family, which was never our intentWe are a collection agency
specializing in estate and probate recoveries and were attempting to locate an executor or otherwise authorized representative for an estateIn so doing, we take consumers’ concerns about unwanted contacts very seriously the moment we are made awareIn this instance, we would respectfully disagree with the characterization of our efforts to dateRather, our records reflect a single outbound call made on December 11, 2017, where a non-threatening message for a return call was left on an answering machineAlso on December 11, our office received two inbound calls, at least one from Mr***, where it was made clear that communication efforts were to cease with his family and instead be directed to an estate attorney’s office, which is also our standard practice once we are notified of legal representationOur records were immediately updated accordingly and no further communications were attempted to Mr*** or his family thereafterNotwithstanding, as a result of this notification, we have further updated our records to reflect the information provided, will notify our client of this occurrence and return our file to our client to prevent any additional communications from our officeIn addition, we will review the file regarding the referenced communications and take the appropriate remedial actions internally should any such occurrence be discoveredThank you again for your assistance in bringing Mr***’s concerns to our attentionWe trust our actions satisfactorily address his concerns at this timeAgain, please extend our sincerest apologies for any inconvenience causedIf there are any additional questions or concerns, please feel free to contact me; I may be reached at ###-###-#### or ###-###-####, extension ***Sincerely, Dan *** Assistant General Counsel AscensionPoint Recovery Services, LLC

Initial Business Response /* (1000, 5, 2015/12/15) */
December 15,
Ms*** ***
Revdex.com of Minnesota and North Dakota
Gannon Road
StPaul, MN
Re: Case No.: ***
Our Ref Nos.: ***, ***
Complainant: ***
Dear Ms
***:
Thank you for bringing this matter to our attentionPlease forward our sincerest apologies to Mr*** for any inconvenience our communications may have causedIt was not our intent to upset him or his family with our communications
As you may know, our office handles accounts for our clients where their customer recently passed awayWe did not report Mr***'s death to our client prior to his accounts being placed with our office; rather, our role is to attempt to locate executors or other authorized estate representatives for estate or probate information in furtherance of account resolutionPlease see the Federal Trade Commission's Statement of Policy Regarding Communications in Connection with the Collection of Decedents' Debts, which allows collectors to communicate with third parties to identify the individuals with the authority to pay a decedent's debts from the assets of the estateOur office does not report any information to the various credit bureaus
The accounts Mr*** references appear to have been erroneously placed in our office by our client on December 2, That same day, our office mailed a letter to Mr*** at the last known address our client had on file in furtherance of our goal to identify the authorized individual who could assist with resolving the accounts from estate assetsWe thereafter made attempts to contact family by telephone, but only left one message seeking a return callOn December 8, 2015, our client recalled the accounts from our office and no further communication attempts have been made after that datePlease accept this as confirmation that we have also added all known numbers we have on file (specifically ending in ***) to our Do Not Call list so neither Mr*** nor his family should receive any additional calls from our office
Again, please extend our sincerest apologies for any inconvenience causedPlease also feel free to contact me if there are additional questions or concernsI may be reached at ***
Sincerely,
Dan ***
Senior Estate Attorney
AscensionPoint Recovery Services, LLC
Initial Consumer Rebuttal /* (3000, 7, 2015/12/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The client, *** Bank, says they were informed by Ascension Point of my deathThey state that on November 29, Ascension Point reported my death to them
Final Business Response /* (4000, 9, 2015/12/18) */
December 18,
Ms*** ***
Revdex.com of Minnesota and North Dakota
Gannon Road
StPaul, MN
Re: Case No.: ***
Our Ref Nos.: ***, ***
Complainant: ***
Dear Ms***:
Thank you for notifying our office of Mr***'s replyIt is certainly our desire to resolve this matter to everyone's satisfactionAgain, we would like to extend our apologies to Mr*** for any inconvenience our communications may have caused
Specifically with regard to Mr***'s reply, and after additional internal investigation, we respectfully maintain that our office did not report Mr***'s death to our client prior to his accounts being placed with our officeWe also understand Mr***'s position and have no reason to believe he is not being forthright in his representation regarding his communication with our clientGiven this posture, our office has engaged our client directly to help identify the root cause of the issue so that the possibility of a similar occurrence can be wholly mitigated
Again, please extend our sincerest apologies for any inconvenience caused under these circumstancesPlease also feel free to contact me if there are additional questions or concernsI remain available at ***
Sincerely,
Dan ***
Senior Estate Attorney
AscensionPoint Recovery Services, LLC

Initial Business Response /* (1000, 7, 2015/07/01) */
July 1,
Ms*** ***
Revdex.com of Minnesota and North Dakota
Gannon Road
StPaul, MN
Re: Case No.:***
Our Ref No.:***
Complainant:*** ***/Estate of *** ***
Dear Ms
***:
This letter is in response to the complaint filed by Ms*** ***We wish to extend our apologies to Ms*** for any inconvenience our previous communications may have caused herOur intent was not to upset her by contacting her or the Estate Attorney in regards to her father's EstateWe are a collection agency specializing in deceased accounts attempting to locate an Executor or otherwise authorized Representative for the Estate
Our client placed an account in our office because it received information that its customer, Mr*** ***, was deceasedWe sent a letter attempting to locate the authorized party on 2/7/to the last known address on file and briefly spoke with Ms*** on 4/21/The call was disconnected after we placed her on hold to have someone assist her with her concernsWe added her phone number ending in to our Do Not Call list the next day and have not called her since then
On 6/2/15, we located a case in Linn County Probate CourtThe court had an Estate attorney on file so we attempted to contact him as the authorized Estate RepresentativeAlthough Ms*** stated in her complaint that all of Mr***'s debts were paid, this was an account that had its last payment post on 11/20/for $which was not enough to cover the balance dueNo payments have been made since Mr*** past away after the last payment dateFurther, no statements or correspondence would have been mailed by our client sine the account was placed in our officeHowever, please accept this as confirmation that we have closed out the account and returned it to our client so Ms*** should no longer receive communications from us regarding this account
Please feel free to contact me if there are additional questions or concernsI may be reached at ***
Sincerely,
Thersia ***
Compliance Attorney
AscensionPoint Recovery Services, LLC

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

Initial Business Response /* (1000, 5, 2015/07/01) */
July 1, 2015
Ms. [redacted]
Revdex.com of Minnesota and North Dakota
2706 Gannon Road
St. Paul, MN 55116
Re: Case No.:[redacted]
Our Ref No.:[redacted]
Complainant:[redacted]/Estate of [redacted]
Dear...

Ms. [redacted]:
This letter is in response to the complaint filed by Ms. [redacted]. We wish to extend our apologies to Ms. [redacted] for any inconvenience caused by our delay in obtaining statements from our client. As we explained several times in our communications with Ms. [redacted], we have no control over how long it takes our client to obtain and send statements to us. During our first conversation with Ms. [redacted] on 3/24/15, she stated she had already spoken with a couple of individuals and requested statements from them but was advised to speak with us about it. We informed her during the first call on 3/24/15 that it could take 60 days to receive the statements. Ms. [redacted] called in again on 3/31/15 and we confirmed that we put in the request already and confirmed it could take 60 days. She estimated it should come around 5/24/15 and we let her know it is ok to follow up with us if she has not received them by then. She called on 5/11/15 and we let her know we are still waiting for the statements and that it can take 6 weeks sometimes. The representative then explained she will have her manager review and call Ms. [redacted] back. Ms. [redacted] called back on 5/21/15 since no one had called her back. The representative transferred Ms. [redacted] to her manager who explained she will have a second request made since it does not normally take this long. A second request was made for statements on 5/25/15.
Ms. [redacted] called in several more times on 6/10/15, 6/12/15 and 6/15/15. Each time she spoke with either a Compliance Specialist or Supervisor from our Help Desk Department who all informed her of explanations provided to her previously. Ms. [redacted] then contacted me via email. I provided the same explanation and have attached a copy of the email exchange for review.
Ms. [redacted] has communicated with representatives, managers, compliance specialists, supervisors and the Compliance Attorney (the "customer contact" noted in her complaint) who handles Complaint Management. We understand that Ms. [redacted] is unhappy with the explanations provided to her but regardless of the level or authority of the person she speaks with, the explanation is consistent because it is the truth.

Please feel free to contact me if there are additional questions or concerns. I may be reached at [redacted].
Sincerely,
Thersia [redacted]
Compliance Attorney
AscensionPoint Recovery Services, LLC
Initial Consumer Rebuttal /* (3000, 7, 2015/07/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have asked for the Citibank client information so I can move this forward. They refuse to give me this contact information. I am simply trying to close an estate.
Final Consumer Response /* (2000, 11, 2015/07/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I had to email the president of Citibank in order for this issue to be resolved but yes I did get a call from citi and have received the statements
Thank you for your assistance
Final Business Response /* (4000, 9, 2015/07/13) */
July 13, 2015
Ms. [redacted]
Revdex.com of Minnesota and North Dakota
2706 Gannon Road
St. Paul, MN 55116
Re: Case No.:[redacted]
Our Ref No.:[redacted]
Complainant:[redacted]/Estate of [redacted]
Dear Ms. [redacted]:
We are pleased to report that our client has sent the statements directly to Ms. [redacted] so she should receive them any day now if she has not received them already. Ms. [redacted] is welcome to contact us directly after she has reviewed the statements to let us know how she would like us to handle the account. We thank her for her patience and apologize for the length of time it took her to receive the statements from our client.

Please feel free to contact me if there are additional questions or concerns. I may be reached at [redacted].
Sincerely,
Thersia [redacted]
Compliance Attorney
AscensionPoint Recovery Services, LLC

Initial Business Response /* (1000, 8, 2016/02/19) */
February 19, 2016
Ms. [redacted]
Revdex.com of Minnesota and North Dakota
220 S. River Ridge Cir.
Burnsville, MN 55337
Re: Case No.: [redacted]
Our Ref No.: [redacted]
Complainant: [redacted]
Dear Ms....

[redacted]:
Thank you for bringing this matter to our attention. Please forward our apologies to Mr. [redacted] for any inconvenience our communications may have caused. We take individual's concerns about unwanted communications seriously and strive to immediately cease further contact once we have been made aware of the individual's concern. Our intent was not to upset Mr. [redacted] by contacting him; we are a collection agency specializing in deceased accounts and were attempting to locate an executor or otherwise authorized representative for an estate.
Accordingly, we are permitted, pursuant to the Fair Debt Collection Practices Act § 804, to perform location communications, such as calls or letters, to locate a consumer, which includes an executor (FDCPA § 805(d)). Please also see the Federal Trade Commission's Statement of Policy Regarding Communications in Connection with the Collection of Decedents' Debts which allows collectors to communicate with third parties to identify the individuals with the authority to pay the decedent's debts from the assets of the estate.
Regarding Mr. [redacted]'s concerns, our records reflect that our office called a telephone number ending in [redacted] on February 1, 2016 in which an unidentified male (now presumed to be Mr. [redacted]) informed our office that we had the wrong number. Our representative apologized for the error and stated no additional calls would be made. Unfortunately, the number was not added to our internal "Do Not Call" list and corrective action will be taken. As a result, a second call to the [redacted] number occurred on February 3, 2016. A different representative handled the call and politely allowed Mr. [redacted] to leave a detailed message with our internal Help Desk to address his concerns. Upon review of Mr. [redacted]'s message on February 4, 2016, our Help Desk representative immediately added the number ending in [redacted] to our "Do Not Call" list. No calls have been made to the [redacted] number since.
Please accept this as written confirmation pursuant to Mr. [redacted]'s request that the number ending in [redacted] has been added to our "Do Not Call" list and he will no longer hear from our office regarding this matter. Please feel free to contact me if there are additional questions or concerns. I may be reached at [redacted].
Sincerely,
Dan [redacted]
Senior Estate Attorney
AscensionPoint Recovery Services, LLC
Initial Consumer Rebuttal /* (3000, 10, 2016/02/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear Revdex.com and Ascension Point, Dan [redacted] et al:
The response letter from Mr. [redacted] offers little, to none, assurance and is a mediocre, and yet, predictable gesture. Being placed on a "Do Not Call" list only "assures" me that Ascension Point may call me at some other point in time as it reserves them the right make "debt collection calls", but prohibits "Sales" calls (i.e. - I'm sure they are well versed in the legal language of matters concerning the "Fair Debt Collection Practices Act"). I am sure It is possible that Ascension Point may NOT call me back for matters concerning "Carmen Phillips", but no doubt, should another matter concerning my family arise, I have every assumption that I will be the recipient of another call from this debt collection company. This is the assurance that Mr. [redacted] does NOT portray in his response letter.
Statute of Limitations: People should be aware of the fact that debt collection companies, and citizens alike, have a short window of opportunity to collect a debt (durations depend on state laws where a debt originated). Regardless if the debt was "valid" or not, it won't stop a debt collection company from attempting to collect on any debt (i.e.- I am sure all employees of Ascension Point are happily aware of this notion as they receive a commission from any collected debt). The sad thing is this, folks who may be grieving, might fall victim to collection efforts, due to ignorance of the "FDCPA", and thus, more likely to pay said debt-- if only to stop the annoying collection calls.
Where is the proof of this statement? "Unfortunately, the number was not added to our internal "Do Not Call" list and corrective action will be taken." Corrective action??? What steps were taken by Ascension Pont and Mr. [redacted] to "Correct" anything? Did the employee receive a verbal/written warning, suspension and/or termination of employ? If so, where is that proof? Words in an email are pointless as they guarantee me nothing!
This is the most outrageous and insulting statement of Mr. [redacted]'s whole response:
"Accordingly, we are permitted, pursuant to the Fair Debt Collection Practices Act § 804, to perform location communications, such as calls or letters, to locate a consumer, which includes an executor (FDCPA § 805(d)). Please also see the Federal Trade Commission's Statement of Policy Regarding Communications in Connection with the Collection of Decedents' Debts which allows collectors to communicate with third parties to identify the individuals with the authority to pay the decedent's debts from the assets of the estate."
By qualifying this, Mr. [redacted] sets the stage for him and Ascension Point employees to blanket call the entire "209" area code. Even an acquaintance of mine, who lives 20+ miles away, received a call from Ascension Point, at or near, the same time as when I was called. It is no secret, demographically, that the "209" area code is largely comprised of retirees, or "geriatric" in age; an extremely fertile hotbed of opportunity.
What I was seeking from Ascension Point was more permanent and tangible in nature. (e.g.- an actual letter on a company letterhead, with real, legible, hand-written signature... and preferably notarized). I desire the ability for legal recourse should Ascension Point become remiss in their commitment to not only discontinue contacting me regarding this matter, but all future matters! An email sent to the Revdex.com is a poor, and most decidedly, unacceptable substitute.
Kind Regards,
Gregory M. [redacted]
Final Business Response /* (4000, 12, 2016/02/29) */
February 29, 2016
Ms. [redacted]
Revdex.com of Minnesota and North Dakota
220 S. River Ridge Cir.
Burnsville, MN 55337
Re: Case No.: [redacted]
Our Ref No.: [redacted]
Complainant: [redacted]
Dear Ms. [redacted]:
Thank you for advising our office of Mr. [redacted]'s February 25, 2016 response. Again, our office takes individual's concerns about unwanted communications seriously; I had no intention of stating anything outrageous or insulting. I hope some additional clarification may provide Mr. [redacted] with the assurance he desires.
First, I would note that our internal "Do Not Call" list is separate and apart from the National Do Not Call Registry, which as Mr. [redacted] correctly points out, primarily regards telemarketing. Our list is internal and once a number is added, our phone system is precluded from dialing the number ever again. It is on this internal list that our office added the number ending in [redacted]; accordingly, no further telephone calls will be placed to the [redacted] number from our office. If there are other numbers for Mr. [redacted] that AscensionPoint should be made aware of, we would be happy to add those numbers to our internal Do Not Call list as well. Further, pursuant to Mr. [redacted]'s request, I will be overnighting a written letter of assurance to the address he provided confirming these facts for his records.
Regarding Mr. [redacted]'s concern about the corrective action taken, I have thoroughly investigated this matter, including conversations with our General Counsel, the representative, the representative's manager, and the representative's director. All aspects of the incident were discussed, and appropriate disciplinary action has been taken with the collector.
Finally, I would like to clarify my reference to the FDCPA and its applicability here. Mr. [redacted] is correct that the application of the FDCPA was not meant to allow an agency to blanket area codes with telephone calls in furtherance of its recovery efforts and, indeed, that is not how AscensionPoint operates. Instead, when an account is placed with our office we perform appropriate internal scrubs to locate the best contact information possible based on public records and court documents. Sometimes, those records are inaccurate or have changed over time. When we learn of such instances, we attempt to correct our records immediately, and again apologize that task was not accomplished quickly enough under these circumstances.
As previously referenced, I will be overnighting to Mr. [redacted] an appropriate written assurance addressing our internal Do Not Call list, and hope this Revdex.com response assists with resolving the matter. If not, please feel free to contact me with additional questions or concerns. I may be reached at [redacted].
Sincerely,
Dan [redacted]
Senior Estate Attorney
AscensionPoint Recovery Services, LLC

January 5, 2017Ms. [redacted]Slinger, WI 53086Re:  The Estate of: [redacted]Our Ref No.: [redacted]Dear Ms. [redacted]:Thank you for bringing this matter to our attention. Prior to your complaint, we were unaware of your concerns. Please accept our...

apologies for any stress our communication attempts may have caused. It was never our intent to upset you and we take consumers’ concerns about unwanted contacts very seriously the moment we are made aware.We have updated our file to cease any further communications with you at the telephone number ending in [redacted]. Accordingly, you will not be receiving further communications from our office regarding this matter as you requested. Again, please accept our sincerest apologies, and thank you for your continued patience and assistance in this matter. Please feel free to contact me directly if there are any additional questions or concerns and I will do my best to try to assist you with them. I may be contacted toll free at ###-###-####, extension [redacted].Sincerely, Dan [redacted]Assistant General CounselAscensionPoint Recovery Services, LLC[redacted] – Cn Rapids, MN 55433Main: ###-###-####Fax: ###-###-####8:00 AM – 5:00 PM CST

October 31, 2017   Ms. [redacted] Revdex.com of Minnesota and North Dakota 220 S. River Ridge Cir. Burnsville, MN  55337   Re:    The Complaint of: Mr. [redacted]           Your File...

No.:        [redacted]           Our File Nos.:        [redacted]   Dear Ms. [redacted],   Thank you for bringing this matter to our attention. Please accept this response on behalf of AscensionPoint Recovery Services, LLC, as a sincere apology for any inconvenience or confusion our communications may have caused Mr. [redacted]. We are a collection agency specializing in estate and probate recoveries and were attempting to locate an executor or otherwise authorized representative for an estate. In so doing, we take information such as this very seriously the moment we are made aware. Based on the information provided in this complaint, it appears that we may have received incorrect information surrounding some accounts placed with our office. Accordingly, and as a result of this communication, please note that we have updated our records to reflect the information received and will notify our client of this occurrence. The accounts in our office will be closed and returned to our client to prevent any additional communication from our office. We trust these actions will fully address Mr. [redacted]’s concerns.   Thank you again for your assistance in bringing Mr. [redacted]’s concerns to our attention. Again, please extend our sincerest apologies to Mr. [redacted] for any inconvenience caused. If there are any additional questions or concerns, please feel free to contact me; I may be reached at ###-###-#### or ###-###-####, extension [redacted].   Sincerely,   Dan [redacted] Assistant General Counsel AscensionPoint Recovery Services, LLC

Initial Business Response /* (1000, 5, 2015/12/08) */
December 8, 2015
Ms. [redacted]
Revdex.com of Minnesota and North Dakota
2706 Gannon Road
St. Paul, MN 55116
Re: Case No.: [redacted]
Our Ref No.: [redacted]
Complainant: [redacted]/Estate of...

[redacted]
Dear Ms. [redacted]:
Thank you for bringing this matter to our attention. Please forward our apologies to Ms. [redacted] and her family for any inconvenience our communications may have caused. We take consumers' concerns about unwanted communications seriously and will immediately cease further contact once we have been made aware of the concern. We respect and appreciate any consumer's right to not be contacted by us, and honor that right as soon as we are asked to discontinue communications.
I acknowledge phone calls were made to Ms. [redacted] by our office. We attempt to contact individuals who may have been family members of a decedent in order to discover whether a probate has been or will be filed and the identity of the Executor of the Estate. We are permitted, pursuant to the Fair Debt Collection Practices Act § 804, to perform location communications, such as calls or letters, to locate the consumer, which includes an executor (FDCPA § 805(d)). Please also see the Federal Trade Commission's Statement of Policy Regarding Communications in Connection with the Collection of Decedents' Debts which allows collectors to communicate with third parties to identify the individuals with the authority to pay the decedent's debts from the assets of the estate.
In light of that, our office first called a number ending in [redacted] and learned from an unidentified female that the number did not reach the authorized party with whom we needed to speak. No further calls were placed to the [redacted] number. Two calls were placed to a number ending in [redacted], which also resulted in an unidentified female informing our office that said number did not reach the authorized party. No other calls were made to this number as well.
On 11/4/15, we contacted a number ending in [redacted] and spoke to an unidentified female whom we now presume to have been Ms. [redacted]. On said call Ms. [redacted] advised our office she was not the authorized party, advised of her relation, and asked we remove the [redacted] number from our records. Accordingly, no further calls were placed to the [redacted] number. On 11/24/15 a call was placed to a number ending in [redacted], but the unidentified female on the phone simply indicated she did not know the decedent. No other calls were placed to the [redacted] number. On 11/25/15, our office called a number ending in [redacted] and spoke again with an unidentified female, whom we also now presume to have been Ms. [redacted]. During this call, Ms. [redacted] asked we stop making calls to any number we might have for her or her family. No further calls were placed to the number ending in [redacted].
Please accept this as confirmation that Ms. [redacted]'s numbers ending in [redacted] and [redacted] were added to our internal Do Not Call list and that the account has been returned to our client so neither she nor her family will hear from our office. Again, our sincerest apologies to Ms. [redacted] and her family for any inconvenience our communications may have caused.
Please feel free to contact me if there are additional questions or concerns. I may be reached at [redacted].
Sincerely,
Daniel [redacted]
Senior Estate Attorney
AscensionPoint Recovery Services, LLC
Initial Consumer Rebuttal /* (2000, 7, 2015/12/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)