Initial Business Response / [redacted] (1000, 14, 2017/02/15) */ Hi [redacted] I apologize for the delay in responding on this complaintThe Supervisor was out the day we discussed this consumer and I was awaiting the call recording I did verify that a Vision rep told the consumer that we were unable to produce another receiptThe rep had verified we sent a receipt on 12/19/and 1/27/I believe the consumer was also upset that we would not remove the account from his credit bureau report We have since sent him another paid in full receipt to the address that he requestedI have attached a copy of the receipt for your records Please let me know if any additional information is needed in regards to the complaintThanks again, [redacted] Client Services Manager [redacted] XXXXX Phone: XXX-XXX-XXXX Mobile: XXX-XXX-XXXX Fax: XXX-XXX-XXXX [redacted] @visionsprr.com
Initial Business Response / [redacted] (1000, 14, 2017/02/01) */ Hi [redacted] Thank you again for contacting me by phone in regards to our company's ratingWe appreciate you taking the time to call to bring this to our attention As we discussed, I have attached the information in regards to [redacted] [redacted] Because our documentation includes PHI information, I have attached the information encryptedI also verified that the account information was removed from Mr [redacted] 's credit bureau report on 2/4/I have attached a print screen of our system verifying the removal Initial Consumer Rebuttal / [redacted] (3000, 16, 2017/02/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) It's fine that they removed it from my credit report but they still harassed me and they sent you this response months after I filed the clain
Initial Business Response / [redacted] (1000, 8, 2016/03/17) */ In reviewing over our notes in regards to this complaint, we have a draft of the payoff letters that was sent to First Source Bank of accounts and outstanding balancesMs [redacted] requested that a letter be sent to First Source Bank on 5/4/ so that payment in full could be sent to Vision [redacted] of First Source bank called Vision on 5/8/to verify a letter had been sentPayment in full was received from First Source bank on 5/21/ Ms [redacted] contacted Vision on 2/16/2016, requesting paid in full receiptsA Vision Rep verified that a receipt would be sentFirst Source bank called and stated that Ms [redacted] had contacted them and stated that Vision did not have the accounts paid in full Ms [redacted] did not request a copy of the itemize charges in regards to the accounts that First Source bank paid Call recordings were pulled and reviewed and our COO did not find any rude statements from any of the reps that spoke with Ms [redacted] nor First Source Bank We are preparing to send itemize statements of the accounts that were paid in full
Initial Business Response /* (1000, 5, 2017/05/04) */
First, we are sorry that this could not have been resolved before nowMs*** called us on 3/2/wanting us to use a new card to pay *** toward her account; and have us stop the auto paymentsWe thought we had pulled all of them, but
found out that we missed one for AprilThe April payment was processed on 4/5/We refunded Ms***'s card on 4/7/The receipts (PDF file) are attached indicating the payment, and another one for the refund of the cardArmed with that information she should be able to talk with the CC company to get this resolvedWe feel like we have done what we should have done by demonstrating that we did refund her card
Initial Consumer Rebuttal /* (3000, 7, 2017/05/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There was no refundedI spoke with my bank several times before I called vision several times and was given different infoAt the end I disputed the transaction with my bankThe BANK stop the transaction after almost two weeks of going back and forth with VisionAnd before I responded to this lie of a response from VisionI called my bank and they confirmed no refund was doneKeep in my I had more important transaction that needed to process, which they did, and caused my a lot in feesSo even after my dispute and the BANK reversing the paymentMy account still stood in the negativeThanks
Initial Business Response /* (1000, 8, 2016/08/04) */
Mr*** currently has only active accounts with VisionOur account numbers are XXXXXX & XXXXXXOnly one is being reported on his credit, in the amount of $*** (XXXXXX) from a service date of 02/06/The other active account is only
a balance of $*** (XXXXXX), and is not listed on his credit
All other accounts have been cancelled back to our client and removed from Mr***'s creditOur search of Metro Two confirms that this is the case
We trust that this information will satisfy Mr***
Initial Consumer Rebuttal /* (2000, 10, 2016/08/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2016/06/20) */
Attached is the itemization of charges for Ms*** from *** Hospital verifying that she was treated and the amount of the bill
Initial Consumer Rebuttal /* (3000, 7, 2016/06/21) */
(The consumer indicated he/she DID NOT accept the
response from the business.)
What was I treated for at *** emergency room to have a *** bill?
Final Consumer Response /* (2000, 28, 2017/01/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Can they please send me a letter stating to remove it from my credit report and I will call Transusnion and send it to them?
Initial Business Response /* (1000, 5, 2016/09/12) */
An account listed with the Credit Bureau will still show as open, and, it will have a note with it that it is also part of a bankruptcy filingOur understanding is that is the way it is listed with TransunionWe have not changed our initial
listing since we first listed the account in October, We believe the information to be accurate
Initial Consumer Rebuttal /* (3000, 7, 2016/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I checked my Equifax and TransunionIt's not reported correctly with all three bureaus only oneIt should be corrected with all three that my debt is in a bankruptcyThe debt was entered as a new collection which brought my credit score downI check my credit report periodically to make sure no new information has been postedThis was posted as a renewed collection
Final Business Response /* (4000, 9, 2016/09/21) */
We received word that on September that the Chapter case involving Ms*** has been dismissedThis information is now notedIn the near future we will delete our listings for Ms*** from the Credit BureausI do not have an exact date, but it should be within the month
Initial Business Response /* (1000, 5, 2016/09/21) */
Mr*** spoke with Ms*** September Prior to that,we received a PIF *** on September 1, requested a CBR deletion on 9/2, and sent a receipt on 9/The receipt did not specify that the balance was paid in fullOn September
I faxed a new receipt letter to Ms*** at 9:a.mThe letter specifically states that the account is Paid In Full
As far as we know, we have complied with Ms***'s requests
Initial Consumer Rebuttal /* (3000, 7, 2016/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As agreed upon, Vision Financial was to report to the credit agencies immediately that the accounts were paid in fullThat did not happen, and I received the letter that was attached to this reportAfter speaking ro the CEO, a new letter was issued to me, and the credit agencies were to be notified that the account was paid in fullThis did not occurWe then opened a dispute with Equifax, Transunion, and ExperianAs of 9/23, I received confirmation from Equifax that Vision Financial is only reporting of the accounts as paid in full
Final Business Response /* (4000, 9, 2016/10/04) */
The CEO resent the request for deletion on September 19, We would anticipate that this request would be honored by the other two bureaus shortly, if not alreadyWe are sorry for any inconvenience, but are limited in our control over the Bureaus
Final Consumer Response /* (4200, 11, 2016/10/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
TransUnion just verified that you are reporting that the accounts are still openI would like an itemized letter for each account showing that they are paid in full and are to be removed from our credit report
Initial Business Response /* (1000, 14, 2017/02/15) */
Hi [redacted]
I apologize for the delay in responding on this complaint. The Supervisor was out the day we discussed this consumer and I was awaiting the call recording.
I did verify that a Vision rep told the consumer that we...
were unable to produce another receipt. The rep had verified we sent a receipt on 12/19/2011 and 1/27/2012. I believe the consumer was also upset that we would not remove the account from his credit bureau report.
We have since sent him another paid in full receipt to the address that he requested. I have attached a copy of the receipt for your records.
Please let me know if any additional information is needed in regards to the complaint. Thanks again, [redacted]
[redacted]
Client Services Manager
[redacted] XXXXX
Phone: XXX-XXX-XXXX Mobile: XXX-XXX-XXXX Fax: XXX-XXX-XXXX
[redacted]@visionsprr.com
Initial Business Response /* (1000, 14, 2017/02/01) */
Hi [redacted]
Thank you again for contacting me by phone in regards to our company's rating. We appreciate you taking the time to call to bring this to our attention.
As we discussed, I have attached the information in regards to [redacted]...
[redacted]. Because our documentation includes PHI information, I have attached the information encrypted. I also verified that the account information was removed from Mr [redacted]'s credit bureau report on 2/4/2016. I have attached a print screen of our system verifying the removal.
Initial Consumer Rebuttal /* (3000, 16, 2017/02/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It's fine that they removed it from my credit report but they still harassed me and they sent you this response 13 months after I filed the clain
Initial Business Response /* (1000, 8, 2016/03/17) */
In reviewing over our notes in regards to this complaint, we have a draft of the payoff letters that was sent to First Source Bank of accounts and outstanding balances. Ms [redacted] requested that a letter be sent to First Source Bank on 5/4/2015...
so that payment in full could be sent to Vision. [redacted] of First Source bank called Vision on 5/8/2015 to verify a letter had been sent. Payment in full was received from First Source bank on 5/21/2015.
Ms [redacted] contacted Vision on 2/16/2016, requesting paid in full receipts. A Vision Rep verified that a receipt would be sent. First Source bank called and stated that Ms [redacted] had contacted them and stated that Vision did not have the accounts paid in full.
Ms [redacted] did not request a copy of the itemize charges in regards to the accounts that First Source bank paid.
Call recordings were pulled and reviewed and our COO did not find any rude statements from any of the reps that spoke with Ms [redacted] nor First Source Bank.
We are preparing to send itemize statements of the accounts that were paid in full.
Initial Business Response /* (1000, 10, 2016/12/07) */
We have confirmed with Equifax and with Experian that they have deleted this record. We are doing our best to get Transunion to respond to our request. We apologize that this has taken this long.
Initial Business Response / [redacted] (1000, 14, 2017/02/15) */ Hi [redacted] I apologize for the delay in responding on this complaintThe Supervisor was out the day we discussed this consumer and I was awaiting the call recording I did verify that a Vision rep told the consumer that we were unable to produce another receiptThe rep had verified we sent a receipt on 12/19/and 1/27/I believe the consumer was also upset that we would not remove the account from his credit bureau report We have since sent him another paid in full receipt to the address that he requestedI have attached a copy of the receipt for your records Please let me know if any additional information is needed in regards to the complaintThanks again, [redacted] Client Services Manager [redacted] XXXXX Phone: XXX-XXX-XXXX Mobile: XXX-XXX-XXXX Fax: XXX-XXX-XXXX [redacted] @visionsprr.com
Initial Business Response / [redacted] (1000, 14, 2017/02/01) */ Hi [redacted] Thank you again for contacting me by phone in regards to our company's ratingWe appreciate you taking the time to call to bring this to our attention As we discussed, I have attached the information in regards to [redacted] [redacted] Because our documentation includes PHI information, I have attached the information encryptedI also verified that the account information was removed from Mr [redacted] 's credit bureau report on 2/4/I have attached a print screen of our system verifying the removal Initial Consumer Rebuttal / [redacted] (3000, 16, 2017/02/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) It's fine that they removed it from my credit report but they still harassed me and they sent you this response months after I filed the clain
Initial Business Response / [redacted] (1000, 8, 2016/03/17) */ In reviewing over our notes in regards to this complaint, we have a draft of the payoff letters that was sent to First Source Bank of accounts and outstanding balancesMs [redacted] requested that a letter be sent to First Source Bank on 5/4/ so that payment in full could be sent to Vision [redacted] of First Source bank called Vision on 5/8/to verify a letter had been sentPayment in full was received from First Source bank on 5/21/ Ms [redacted] contacted Vision on 2/16/2016, requesting paid in full receiptsA Vision Rep verified that a receipt would be sentFirst Source bank called and stated that Ms [redacted] had contacted them and stated that Vision did not have the accounts paid in full Ms [redacted] did not request a copy of the itemize charges in regards to the accounts that First Source bank paid Call recordings were pulled and reviewed and our COO did not find any rude statements from any of the reps that spoke with Ms [redacted] nor First Source Bank We are preparing to send itemize statements of the accounts that were paid in full
Initial Business Response /* (1000, 5, 2017/05/04) */
First, we are sorry that this could not have been resolved before nowMs*** called us on 3/2/wanting us to use a new card to pay *** toward her account; and have us stop the auto paymentsWe thought we had pulled all of them, but
found out that we missed one for AprilThe April payment was processed on 4/5/We refunded Ms***'s card on 4/7/The receipts (PDF file) are attached indicating the payment, and another one for the refund of the cardArmed with that information she should be able to talk with the CC company to get this resolvedWe feel like we have done what we should have done by demonstrating that we did refund her card
Initial Consumer Rebuttal /* (3000, 7, 2017/05/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There was no refundedI spoke with my bank several times before I called vision several times and was given different infoAt the end I disputed the transaction with my bankThe BANK stop the transaction after almost two weeks of going back and forth with VisionAnd before I responded to this lie of a response from VisionI called my bank and they confirmed no refund was doneKeep in my I had more important transaction that needed to process, which they did, and caused my a lot in feesSo even after my dispute and the BANK reversing the paymentMy account still stood in the negativeThanks
Initial Business Response /* (1000, 8, 2016/08/04) */
Mr*** currently has only active accounts with VisionOur account numbers are XXXXXX & XXXXXXOnly one is being reported on his credit, in the amount of $*** (XXXXXX) from a service date of 02/06/The other active account is only
a balance of $*** (XXXXXX), and is not listed on his credit
All other accounts have been cancelled back to our client and removed from Mr***'s creditOur search of Metro Two confirms that this is the case
We trust that this information will satisfy Mr***
Initial Consumer Rebuttal /* (2000, 10, 2016/08/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2016/06/20) */
Attached is the itemization of charges for Ms*** from *** Hospital verifying that she was treated and the amount of the bill
Initial Consumer Rebuttal /* (3000, 7, 2016/06/21) */
(The consumer indicated he/she DID NOT accept the
response from the business.)
What was I treated for at *** emergency room to have a *** bill?
Final Consumer Response /* (2000, 28, 2017/01/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Can they please send me a letter stating to remove it from my credit report and I will call Transusnion and send it to them?
Initial Business Response /* (1000, 5, 2016/09/12) */
An account listed with the Credit Bureau will still show as open, and, it will have a note with it that it is also part of a bankruptcy filingOur understanding is that is the way it is listed with TransunionWe have not changed our initial
listing since we first listed the account in October, We believe the information to be accurate
Initial Consumer Rebuttal /* (3000, 7, 2016/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I checked my Equifax and TransunionIt's not reported correctly with all three bureaus only oneIt should be corrected with all three that my debt is in a bankruptcyThe debt was entered as a new collection which brought my credit score downI check my credit report periodically to make sure no new information has been postedThis was posted as a renewed collection
Final Business Response /* (4000, 9, 2016/09/21) */
We received word that on September that the Chapter case involving Ms*** has been dismissedThis information is now notedIn the near future we will delete our listings for Ms*** from the Credit BureausI do not have an exact date, but it should be within the month
Initial Business Response /* (1000, 5, 2016/09/21) */
Mr*** spoke with Ms*** September Prior to that,we received a PIF *** on September 1, requested a CBR deletion on 9/2, and sent a receipt on 9/The receipt did not specify that the balance was paid in fullOn September
I faxed a new receipt letter to Ms*** at 9:a.mThe letter specifically states that the account is Paid In Full
As far as we know, we have complied with Ms***'s requests
Initial Consumer Rebuttal /* (3000, 7, 2016/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As agreed upon, Vision Financial was to report to the credit agencies immediately that the accounts were paid in fullThat did not happen, and I received the letter that was attached to this reportAfter speaking ro the CEO, a new letter was issued to me, and the credit agencies were to be notified that the account was paid in fullThis did not occurWe then opened a dispute with Equifax, Transunion, and ExperianAs of 9/23, I received confirmation from Equifax that Vision Financial is only reporting of the accounts as paid in full
Final Business Response /* (4000, 9, 2016/10/04) */
The CEO resent the request for deletion on September 19, We would anticipate that this request would be honored by the other two bureaus shortly, if not alreadyWe are sorry for any inconvenience, but are limited in our control over the Bureaus
Final Consumer Response /* (4200, 11, 2016/10/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
TransUnion just verified that you are reporting that the accounts are still openI would like an itemized letter for each account showing that they are paid in full and are to be removed from our credit report
Initial Business Response /* (1000, 14, 2017/02/15) */
Hi [redacted]
I apologize for the delay in responding on this complaint. The Supervisor was out the day we discussed this consumer and I was awaiting the call recording.
I did verify that a Vision rep told the consumer that we...
were unable to produce another receipt. The rep had verified we sent a receipt on 12/19/2011 and 1/27/2012. I believe the consumer was also upset that we would not remove the account from his credit bureau report.
We have since sent him another paid in full receipt to the address that he requested. I have attached a copy of the receipt for your records.
Please let me know if any additional information is needed in regards to the complaint. Thanks again, [redacted]
[redacted]
Client Services Manager
[redacted] XXXXX
Phone: XXX-XXX-XXXX Mobile: XXX-XXX-XXXX Fax: XXX-XXX-XXXX
[redacted]@visionsprr.com
Initial Business Response /* (1000, 14, 2017/02/01) */
Hi [redacted]
Thank you again for contacting me by phone in regards to our company's rating. We appreciate you taking the time to call to bring this to our attention.
As we discussed, I have attached the information in regards to [redacted]...
[redacted]. Because our documentation includes PHI information, I have attached the information encrypted. I also verified that the account information was removed from Mr [redacted]'s credit bureau report on 2/4/2016. I have attached a print screen of our system verifying the removal.
Initial Consumer Rebuttal /* (3000, 16, 2017/02/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It's fine that they removed it from my credit report but they still harassed me and they sent you this response 13 months after I filed the clain
Initial Business Response /* (1000, 8, 2016/03/17) */
In reviewing over our notes in regards to this complaint, we have a draft of the payoff letters that was sent to First Source Bank of accounts and outstanding balances. Ms [redacted] requested that a letter be sent to First Source Bank on 5/4/2015...
so that payment in full could be sent to Vision. [redacted] of First Source bank called Vision on 5/8/2015 to verify a letter had been sent. Payment in full was received from First Source bank on 5/21/2015.
Ms [redacted] contacted Vision on 2/16/2016, requesting paid in full receipts. A Vision Rep verified that a receipt would be sent. First Source bank called and stated that Ms [redacted] had contacted them and stated that Vision did not have the accounts paid in full.
Ms [redacted] did not request a copy of the itemize charges in regards to the accounts that First Source bank paid.
Call recordings were pulled and reviewed and our COO did not find any rude statements from any of the reps that spoke with Ms [redacted] nor First Source Bank.
We are preparing to send itemize statements of the accounts that were paid in full.
Initial Business Response /* (1000, 10, 2016/12/07) */
We have confirmed with Equifax and with Experian that they have deleted this record. We are doing our best to get Transunion to respond to our request. We apologize that this has taken this long.