The consumer appears to claim that she is not responsible for an account placed for collection with our office by a creditor. The reason she claims she is not responsible appears to be that she did not sign a contract with us. We do not believe a consumer needs to sign a contract with...
the collection agency in order for an account to be valid. If that was the case, no account would ever be paid because no consumer is going to sign an agreement with a collection agency. In this instance, the consumer obtained services from the creditor. The consumer did not pay for the services. The creditor assigned the account to our office for collection as we are a collection agency hired by the creditor to collect on accounts that are not paid. Since the consumer seems to be disputing responsibility for the account, we have obtained an itemized statement from the creditor and we are mailing it to her for review. If the consumer has additional information for why she does not believe she is responsible for the account, she can send that information to us directly and we will review the information with the creditor.
The consumer states an account was paid. Upon receipt of the complaint, we verified with the creditor whether payment was made. We confirmed that the account was paid directly to the creditor after placement with our office. The payment has now been applied to the account and our...
system reflects a zero balance. The account has been requested to be removed from credit reporting.
[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.]
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. However want to specify the following:I have not received any further calls and thank you.Clarification: I did request this information during the last contact with them over the phone approx. 3 months ago. I am requesting the specific bills not a bill from them.I will resubmit a complaint if I start getting phone calls again.
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.
We will have to wait the 30 days before closing this out to see what they actually do. They are reporting each line item as a separate account charged off. I only have one billing account with Aurora. So there is no need for them to charge off all these different accounts when there's only one account they are charging off line items separately. I'm having it looked into but the attorney general as well because it is not right you can't do that. We will have to wait for them to come back with all of the information I requested not some of it all of it before we can close this out
Regards,
[redacted]
We thank the consumer for providing the additional information. We now have something we can present to Trans Union. We will contact Trans Union to determine why the account was not removed when we requested removal. We will report that information to the consumer once we receive it.
The consumer states he received a call from our office after setting up a payment plan. He also states he received an apology. We apologize again for the second call. It is not our policy to make calls on accounts that have payment plans that are in place. The first...
representative handling the account did not follow our process and move the account so that calls would not be made. We have followed our internal process to address this issue with the first representative. Again, we apologize for the placement of the second call.
The consumer states that items remain on his credit report after payment and that we indicated they would be removed. We spoke with the consumer on May 11, upon receipt of his complaint, and asked for a copy of the items that remained. The consumer sent us the list. We requested...
deletion of the accounts from his credit report today.When we spoke yesterday, we also let the consumer know we would be reviewing the accounts to determine why the accounts remained on his credit report. It appears we have isolated this issue and taken corrective measures.
[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.]
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]
The consumer states he was not contacted about an account placed with our office and has requested additional details regarding the account. We mailed a validation notice to the consumer at the address
provided to us by the creditor on or about June 13, 2015. Our records show that
we have...
made a total of 77 calls to telephone numbers provided to us by the
creditor. The account was submitted to the three major credit bureaus on or
about August 4, 2015. (The consumer states it showed up on his credit report on
June 1, 2015. The account was not placed with our office until June 2. It may
be that the consumer is actually seeing the date of placement of the account
with our office on his credit report). We did speak with the consumer (on October
27, 2015 and on October 28, 2015) regarding the account and informed him that
the account had been placed with our office on June 2, 2015. On October 28,
2015 we made a request to the creditor to obtain an itemized statement. On
November 3, 2015, we received the consumer’s written dispute. We obtained the
itemized statement and have, since the filing of this complaint, mailed it to
the consumer at the address he provided to us on October 27, 2015. Since the
address he provided to us was different than the address we had on the account,
we did request removal of the account from his credit report to allow him time
to review the itemized statement. We are also requesting the additional
information regarding insurance billing, including any insurance payments and
adjustments, since although the itemized statement reflects an insurance
company, it isn’t clear if there were any payments or adjustments. As soon as
we receive that information from the creditor we will provide it to the consumer.
The consumer alleges that we did not send verification of debt owed to consumer within 30 days of consumer’s request. The Fair Debt Collection Practices Act (FDCPA) does not impose any time frame for a debt collector to respond to a consumer’s request for validation of debt owed. ...
However, according to the FDCPA consumers are under a 30-day time limit to request validation. If a consumer does not request validation within 30 days of receiving the first collection letter, the debt collector does not have to honor consumer’s request if; after the initial notice has been sent, consumer failed to request debt validation during that time. The account in question listed with our agency on September 7, 2016 and on or about September 12, 2016 we sent to consumer’s attention our collection notice. On August 21, 2017, we processed consumer’s request for verification. On or about September 28, 2017, we sent the itemized statement to consumer’s attention.
The consumer states insurance would have covered the account placed with our office. The account was placed with our office on June 1, 2017. On June 12, 2017, the creditor contacted our office and informed us the account had been listed in error. Accordingly, the account...
was cancelled and returned to the creditor. The account was never submitted for credit reporting by our agency.
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,
The consumer states he believes the account we are collecting was paid, that he had requested an itemized statement and that he had not yet received an itemized statement. The consumer did contact us by email on March 29, 2015 requesting an itemized statement for an account that had been...
placed in our office for collection on September 27, 2013. We let him know by email on March 30, 2015 that we were requesting the itemized statement and that it could take up to 30 days to receive. On June 21, 2015 the consumer notified us by email that he had not yet received the itemized statement. On June 22, 2015, we notified the consumer by email that we did not have the itemized statement to mail to him but that we were requesting deletion of his account from credit reporting. We apologize that the itemized statement was not provided in a time frame that we prefer. We will mail the itemized statement to him once we receive it from the creditor.
[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.]
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]
The consumer alleges the consumer made a request for an account to be deleted and has not received any response regarding the account. The consumer, more likely, someone on consumer’s behalf, sent a dispute letter on June 23, 2017 to our office regarding a specific creditor and a specific...
account. Upon receipt of the dispute, we began the process of obtaining itemized statements from the creditor for the many accounts placed with our office by the creditor. As we did not receive the information from the creditor in a timely fashion, we made a request to delete the specific account from credit reporting at the end of July, 2017. The itemized statements for all accounts are now in our office and are being mailed to the consumer.
The consumer states we did not identify ourselves on a call placed to a particular telephone number. In order to protect the privacy of the individual we are attempting to reach and comply with federal law, we do not identify ourselves until we have verified the identity of the consumer we are...
attempting to reach. This consumer does not wish to receive any calls. We always honor a request to cease contact. We will do so here.
The business has not yet dropped the tax interception. I am requesting this case remain open for 14 days while I seek the court records that show I was a ward of the court to prove to this business that Brown county is liable for charges, per the business request. I would like this case to remain open in the meanwhile to ensure this business cooperates in the meanwhile, as they have not prior.
The consumer requests a reduction in the amount taken from her paycheck under a garnishment. State law sets forth the amount of a garnishment as 20% of an employee's wages after certain deductions. That is the amount determined to be "reasonable" by state law. In discussions with...
the consumer, we agreed to reduce the garnishment amount by over 35%. The consumer is now seeking a greater reduction than the amount agreed upon by the parties. If the amount originally agreed upon was not acceptable, we would have preferred that the consumer contact us directly to discuss why the agreed upon amount was no longer acceptable. We view this complaint as a rejection of the agreed upon payment. Since the consumer is claiming she did not receive the garnishment, we will discontinue the garnishment even though we don't have any evidence that the garnishment notice was not received. We will return to her the amount collected under the garnishment. We will then re-serve the garnishment. Since there is no longer any agreement regarding a reduction in the garnishment amount, we will follow the amount allowed by state law.We would also like to address several other statements the consumer made in her complaint. She claims we laughed at her. We reviewed the recordings of the calls available to us and we did not hear any laugh other than the consumer's own laughter. The consumer claims she thought the amount due was discharged in a bankruptcy. The amounts due were incurred after her bankruptcy and the creditor obtained a judgment against her for those amounts after her bankruptcy. She and the bank apparently elected not to pay the account as the account did not show up on her credit report (it should have appeared as a matter of public record).In short, since the consumer has cancelled the agreement we reached with her, we will be (1) refunding the amounts collected under the garnishment, (2) contacting the consumer's employer to stop garnishing any wages, and (3) re-serving the employer and the consumer with the garnishment.
Revdex.com:
I received a letter from state collections that they communicated with the vendor and it shows unpaid. This is incorrect and I do not accept their response.
[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.
When I spoke to the agency that is not what the agency told me. There for I would like a refund or I would like to a director not a supervisor or manager.
Regards,
[redacted]
The consumer appears to claim that she is not responsible for an account placed for collection with our office by a creditor. The reason she claims she is not responsible appears to be that she did not sign a contract with us. We do not believe a consumer needs to sign a contract with...
the collection agency in order for an account to be valid. If that was the case, no account would ever be paid because no consumer is going to sign an agreement with a collection agency. In this instance, the consumer obtained services from the creditor. The consumer did not pay for the services. The creditor assigned the account to our office for collection as we are a collection agency hired by the creditor to collect on accounts that are not paid. Since the consumer seems to be disputing responsibility for the account, we have obtained an itemized statement from the creditor and we are mailing it to her for review. If the consumer has additional information for why she does not believe she is responsible for the account, she can send that information to us directly and we will review the information with the creditor.
The consumer states an account was paid. Upon receipt of the complaint, we verified with the creditor whether payment was made. We confirmed that the account was paid directly to the creditor after placement with our office. The payment has now been applied to the account and our...
system reflects a zero balance. The account has been requested to be removed from credit reporting.
[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.]
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. However want to specify the following:I have not received any further calls and thank you.Clarification: I did request this information during the last contact with them over the phone approx. 3 months ago. I am requesting the specific bills not a bill from them.I will resubmit a complaint if I start getting phone calls again.
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.
We will have to wait the 30 days before closing this out to see what they actually do. They are reporting each line item as a separate account charged off. I only have one billing account with Aurora. So there is no need for them to charge off all these different accounts when there's only one account they are charging off line items separately. I'm having it looked into but the attorney general as well because it is not right you can't do that. We will have to wait for them to come back with all of the information I requested not some of it all of it before we can close this out
Regards,
[redacted]
We thank the consumer for providing the additional information. We now have something we can present to Trans Union. We will contact Trans Union to determine why the account was not removed when we requested removal. We will report that information to the consumer once we receive it.
The consumer states he received a call from our office after setting up a payment plan. He also states he received an apology. We apologize again for the second call. It is not our policy to make calls on accounts that have payment plans that are in place. The first...
representative handling the account did not follow our process and move the account so that calls would not be made. We have followed our internal process to address this issue with the first representative. Again, we apologize for the placement of the second call.
The consumer states that items remain on his credit report after payment and that we indicated they would be removed. We spoke with the consumer on May 11, upon receipt of his complaint, and asked for a copy of the items that remained. The consumer sent us the list. We requested...
deletion of the accounts from his credit report today.When we spoke yesterday, we also let the consumer know we would be reviewing the accounts to determine why the accounts remained on his credit report. It appears we have isolated this issue and taken corrective measures.
[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.]
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]
The consumer states he was not contacted about an account placed with our office and has requested additional details regarding the account. We mailed a validation notice to the consumer at the address
provided to us by the creditor on or about June 13, 2015. Our records show that
we have...
made a total of 77 calls to telephone numbers provided to us by the
creditor. The account was submitted to the three major credit bureaus on or
about August 4, 2015. (The consumer states it showed up on his credit report on
June 1, 2015. The account was not placed with our office until June 2. It may
be that the consumer is actually seeing the date of placement of the account
with our office on his credit report). We did speak with the consumer (on October
27, 2015 and on October 28, 2015) regarding the account and informed him that
the account had been placed with our office on June 2, 2015. On October 28,
2015 we made a request to the creditor to obtain an itemized statement. On
November 3, 2015, we received the consumer’s written dispute. We obtained the
itemized statement and have, since the filing of this complaint, mailed it to
the consumer at the address he provided to us on October 27, 2015. Since the
address he provided to us was different than the address we had on the account,
we did request removal of the account from his credit report to allow him time
to review the itemized statement. We are also requesting the additional
information regarding insurance billing, including any insurance payments and
adjustments, since although the itemized statement reflects an insurance
company, it isn’t clear if there were any payments or adjustments. As soon as
we receive that information from the creditor we will provide it to the consumer.
The consumer alleges that we did not send verification of debt owed to consumer within 30 days of consumer’s request. The Fair Debt Collection Practices Act (FDCPA) does not impose any time frame for a debt collector to respond to a consumer’s request for validation of debt owed. ...
However, according to the FDCPA consumers are under a 30-day time limit to request validation. If a consumer does not request validation within 30 days of receiving the first collection letter, the debt collector does not have to honor consumer’s request if; after the initial notice has been sent, consumer failed to request debt validation during that time. The account in question listed with our agency on September 7, 2016 and on or about September 12, 2016 we sent to consumer’s attention our collection notice. On August 21, 2017, we processed consumer’s request for verification. On or about September 28, 2017, we sent the itemized statement to consumer’s attention.
The consumer states insurance would have covered the account placed with our office. The account was placed with our office on June 1, 2017. On June 12, 2017, the creditor contacted our office and informed us the account had been listed in error. Accordingly, the account...
was cancelled and returned to the creditor. The account was never submitted for credit reporting by our agency.
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]
The consumer states he believes the account we are collecting was paid, that he had requested an itemized statement and that he had not yet received an itemized statement. The consumer did contact us by email on March 29, 2015 requesting an itemized statement for an account that had been...
placed in our office for collection on September 27, 2013. We let him know by email on March 30, 2015 that we were requesting the itemized statement and that it could take up to 30 days to receive. On June 21, 2015 the consumer notified us by email that he had not yet received the itemized statement. On June 22, 2015, we notified the consumer by email that we did not have the itemized statement to mail to him but that we were requesting deletion of his account from credit reporting. We apologize that the itemized statement was not provided in a time frame that we prefer. We will mail the itemized statement to him once we receive it from the creditor.
[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.]
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]
The consumer alleges the consumer made a request for an account to be deleted and has not received any response regarding the account. The consumer, more likely, someone on consumer’s behalf, sent a dispute letter on June 23, 2017 to our office regarding a specific creditor and a specific...
account. Upon receipt of the dispute, we began the process of obtaining itemized statements from the creditor for the many accounts placed with our office by the creditor. As we did not receive the information from the creditor in a timely fashion, we made a request to delete the specific account from credit reporting at the end of July, 2017. The itemized statements for all accounts are now in our office and are being mailed to the consumer.
The consumer states we did not identify ourselves on a call placed to a particular telephone number. In order to protect the privacy of the individual we are attempting to reach and comply with federal law, we do not identify ourselves until we have verified the identity of the consumer we are...
attempting to reach. This consumer does not wish to receive any calls. We always honor a request to cease contact. We will do so here.
The business has not yet dropped the tax interception. I am requesting this case remain open for 14 days while I seek the court records that show I was a ward of the court to prove to this business that Brown county is liable for charges, per the business request. I would like this case to remain open in the meanwhile to ensure this business cooperates in the meanwhile, as they have not prior.
The consumer requests a reduction in the amount taken from her paycheck under a garnishment. State law sets forth the amount of a garnishment as 20% of an employee's wages after certain deductions. That is the amount determined to be "reasonable" by state law. In discussions with...
the consumer, we agreed to reduce the garnishment amount by over 35%. The consumer is now seeking a greater reduction than the amount agreed upon by the parties. If the amount originally agreed upon was not acceptable, we would have preferred that the consumer contact us directly to discuss why the agreed upon amount was no longer acceptable. We view this complaint as a rejection of the agreed upon payment. Since the consumer is claiming she did not receive the garnishment, we will discontinue the garnishment even though we don't have any evidence that the garnishment notice was not received. We will return to her the amount collected under the garnishment. We will then re-serve the garnishment. Since there is no longer any agreement regarding a reduction in the garnishment amount, we will follow the amount allowed by state law.We would also like to address several other statements the consumer made in her complaint. She claims we laughed at her. We reviewed the recordings of the calls available to us and we did not hear any laugh other than the consumer's own laughter. The consumer claims she thought the amount due was discharged in a bankruptcy. The amounts due were incurred after her bankruptcy and the creditor obtained a judgment against her for those amounts after her bankruptcy. She and the bank apparently elected not to pay the account as the account did not show up on her credit report (it should have appeared as a matter of public record).In short, since the consumer has cancelled the agreement we reached with her, we will be (1) refunding the amounts collected under the garnishment, (2) contacting the consumer's employer to stop garnishing any wages, and (3) re-serving the employer and the consumer with the garnishment.
Revdex.com:
I received a letter from state collections that they communicated with the vendor and it shows unpaid. This is incorrect and I do not accept their response.
[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.
When I spoke to the agency that is not what the agency told me. There for I would like a refund or I would like to a director not a supervisor or manager.
Regards,
[redacted]