Bay Capital Management Group

The media was delivered to your office on 1/2/at 4:PM and was signed for by [redacted]

For file that Mr. [redacted] wanted to purchase, it was explained to him that his company had to be pre-approved by the issuer. Mr. [redacted] wanted us to locate another file for him which we did and had it ready to be sent to him. At that time Mr. [redacted] stated he did not want the file... and requested a refund. We kept him informed and updated throughout this process. Full refund was sent to Mr. [redacted] on 5/9/2016 per his request.

[A default letter is provided here which indicates that the business has not responded to you directly If you wish, you may update it before sending it.] Revdex.com: At this time, I have not been contacted by Bay Capital Management Group, LLC regarding complaint ID [redacted] Regards, [redacted]

Mr [redacted] requested a contract for a file dated 9/4/and he wired his funds on 9/9/his file was delivered to him on 9/10/ Mr [redacted] has had the file he purchased since 9/10/and has acknowledged he did in fact receive his file

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

I have sent *** over several files to review I have not heard anything from you nor ***. I cannot work with you if you do not respond to me

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
She is stating that she can not work with usWe are respondingWhen ever you call her office she is unavailable and in meeting or even out of the officeThe portfolio's that *** is sending over are over to years oldAs I had stated before this is zombie debt and we are unable to collect on these accountsWe want a refund due to working with this company and there has been no resolutionThe latest account she sent over where over the age limit in and uncollectableSo we have been trying to work with the her but she keeps sending over bad accounts
Regards,
*** ***

I have never spoken with K*** *** and I have received no messages from him. I have had several conversations with *** Faulkner in reference to the file they purchased. I advised *** to send the putback sheet with the BK, Deceased, and Fraud with supporting documents
that are required. I have not received the putback sheet from her to review. The masked file was sent to *** *** *** to review and perform due diligence on before deciding to purchase the file. BCMG has sold numerous BMG files and the buyers have done very well with them and have come back to purchase more

We are currently reviewing this matter internally. All collections have ceased on this account and a request to the credit bureaus has been sent for deletion of this trade line

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I believe this file should be replace in which I asked for or half of my money backI ask for store front and was giving online ( ***)The paper is no good and I would not recommend no one to buy from this company, they are very slow in getting things doneOnce they receive your money the leave you hanging and give you any type of portfolioI rate them as a ScamWe been collecting for years and never had this issue before
Regards,
*** ***

I have never spoken with K*** *** and I have received no messages from him. I have had several conversations with *** Faulkner in reference to the file they purchased. I advised *** to send the putback sheet with the BK, Deceased, and Fraud with supporting
documents that are required. I have not received the putback sheet from her to review. The masked file was sent to *** *** *** to review and perform due diligence on before deciding to purchase the file. BCMG has sold numerous BMG files and the buyers have done very well with them and have come back to purchase more

I have replaced Ms*** entire file, including the batch information that she requested at no additional charge. We kept an open line of communication with
Ms*** and kept her updated during the entire process

I have reviewed the putback sheet and there is missing information on the BK's. (no case number nor date filed) For customers that are marked Paid Prior there is no supporting documentation from the customer that shows they paid the account in question. I have returned all of *** calls. I have attempted to replace the file with several different portfolio's but *** has not accepted any of the files

Section of the contractIt states that if bad account are found that she would replace these accounts or give refund for those set forthe whole purchase of the portfolio were bad and then when she did send us the new portfolio she sent us later account which we agreed aponThe portfolio previously sent charge off date of and had already been with another agencyThe accounts that she keeps sending are uncollectable accounts she knows that account over years and later have no chance of being collectedWe have requested a full refund of the $

We contacted Ms*** on March 12, she advised us she would pay the original balance which we agreed to accept asked for the mailing address which was given to her. Ms*** was contacted again on March 18th to advise her we had not received her payment and she hung up on us. Ms
*** was contacted on April 3rd, and she stated she had not received the email we sent her on the settlement offer advised her to check her junk mail Ms*** did and located the email again Ms*** stated she would mail her payment. April 16th we contacted Ms*** and she advised us she had been in the hospital for a week and not to call her at work anymore the call ended. Ms*** work number has been removed from her file

*** *** was sent a masked file to review then *** *** called in and the file was discussed in great detail with him and the sales associateThe masked file and the unmasked file contained identical information that *** *** reviewed. After reviewing the file *** *** called back and
said he wanted to contract the file. I'm very confused by the comment that they have collected a dime then state they have collected half of their investment. Every company has a different model for collecting and skipping their accounts

I have reviewed [redacted] complaint and have taken the appropriate action to close the file.  I have also contacted [redacted] office and he was not available so I left my name and number for  a return call.

I have [redacted] the portfolio that we purchased. I havealso [redacted] the batching sheet where we sent 150 account to [redacted] skip companyso these account can get skip thoroughly. I have also [redacted] the Put back sheet which [redacted] received via email on  Thursday August 13 @2:39. Spoke with on the 19th stated that she still had not received the Put back. I sent Put Back again on Wed the 19th @ 8:37. She then sent over the New with the tx accounts.  Through my findings, I have foundthat these accounts were set up online. The customers were sent a check in theamount of $50.00 and when they were cashed at their local bank the company BMGand other online companies charged the customer between $200-500. We are unableto collect on these accounts due to them being labeled by the CFBP as fraudaccounts. The CFBP in now in the process of  forcing these companies to refund these typesof customers that were scammed out of their money.  Bayview Management called last week on  09/03/2015 about 10:30 am, when I answeredthe there was no one on the line and I was hung up on. When I called back thesecretary stated  that  the Owner was in a meeting. I received anothercall on the same day around 2pm est , the scenario happened. When we initially spoke with Barabra O[redacted] she statedthat per the contract she can swap out the accounts for what is uncollectable.She sent over [redacted] check cashing loans that the date was charged off from2010-2011.  I advised her that theseaccounts were later than we originally agreed and also they have TX accountsthat we did not want as well . She stated that she would not be able to accommodatewhat we were looking for , the amount that we spent and we would also lose somemoney one getting the new portfolio. I asked for refund. She that she would beunable to refund because she has a choice to either swap out accounts or giverefund. From this point we have not been able to communicate with her becauseshe is in a meeting every single day and all day.

We contacted Ms. [redacted] on March 12, 2015 she advised us she would pay the original balance which we agreed to accept asked for the mailing address which was given to her.  Ms. [redacted] was contacted again on March 18th to advise her we had not received her payment and she hung up on us. ...

Ms. [redacted] was contacted on April 3rd, and she stated she had not received the email we sent her on the settlement offer advised her to check her junk mail Ms. [redacted] did and located the email again Ms. [redacted] stated she would mail her payment.  April 16th we contacted Ms. [redacted] and she advised us she had been in the hospital for a week and not to call her at work anymore the call ended.  Ms. [redacted] work number has been removed from her file.

I have reviewed the file and most of the duplicates are with different creditors or were opened on different dates.  We have responded to all of the emails that have been sent to us and have left several messages for Mr. [redacted] to return our calls.  We will contact him again today...

to discuss this matter.