Initial Business Response / [redacted] (1000, 5, 2016/08/23) */ Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated August 22, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] 's account was placed with our office on March 28, by our client to collect on this debtOn March 29, Firstsource Advantage sent Ms [redacted] a notice informing her that the account was placed with our officeThis letter was mailed to the address Ms [redacted] has provided in her complaint We do reflect that Ms [redacted] paid her account in full on June 1, Her credit report was updated to reflect paid in full Upon receipt of this complaint, Firstsource Advantage has updated Ms [redacted] 's account to reflect disputed We do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) No notice was received on March 29, I would not have neglected a notice for [redacted] knowing that it would affect my creditThe client that they are referring to should not have ever even sent my account to collections as I was paying each month on a medical billThat is a separate issueNo notice was received at my addressI would have charged a credit card knowing how hard I have worked for good creditI moved my whole family away from my home in California in order to live on one income and pay off credit cardsThis is not an ethical action as I did not receive the above mentioned notice from March 29, The item needs to be removed from my credit report Final Business Response / [redacted] (4000, 9, 2016/08/25) */ August 25, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your recent correspondence dated August 24, Upon receiving notification that Ms [redacted] was not satisfied with our response, we have revisited this complaint We are sorry to hear that Ms [redacted] did not receive our letterAs previously stated, we do reflect that Ms [redacted] paid her account in full on June 1, Her credit report was updated to reflect paid in full Upon receipt of the original complaint, Firstsource Advantage has updated Ms [redacted] 's account to reflect disputed Please note that Firstsource Advantage, LLC removes accounts from the credit report if we find the information to be inaccurateAt this time, we have no discrepancies that would make us believe that we are reporting inaccurate information Again, we do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/06/02) */ Thank you for your correspondence dated May 26, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedUpon review of the complaint, it appears that Ms [redacted] is attempting to contact our Firstsource Advantage, LLC office and not our affiliate company, One Advantage, LLC who is servicing her accountsWe believe this is the reason she was not able to establish contact with our office and also that she was using the incorrect website Records reflect that several letters were sent to Ms [redacted] at her address listed in her complaint One Advantage does reflect Ms [redacted] making payments and we appreciate her working with our office to resolve her accountsIf she would like to contact our affiliate office, she may reach us toll free at X-XXX-XXX-XXXX and a representative would be happy to assist her The One Advantage, LLC payment website is http://paylaportenorth.oneadvantagellc.com We do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/12/07) */ December 7, Re: [redacted] Complaint ID: XXXXXXXX We are in receipt of your case referenced above relating to this consumer which relates to an account serviced by our affiliate company, One Advantage, LLCWe have contacted them regarding this complaint and received the following information Per our standard complaint process, a thorough investigation of the allegations was performedMs [redacted] has three accounts that were placed with their office On April 25, an initial notice was sent to the address of [redacted] XXXXXOne Advantage did not receive a mail return on the accountOne Advantage also made several attempts to contact Ms [redacted] by telephone but all attempts were unsuccessful at establishing contact Upon receipt of this complaint, One Advantage has updated the accounts and credit report to reflect disputed and ordered validation of debtOnce received, they will send the verification to Ms [redacted] They do regret any inconvenience that Mr [redacted] may have experienced and hope that all of her concerns have been addressed One Advantage LLC has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers Complaints such as yours are taken very seriously and are thoroughly investigated Should you have any questions, please do not hesitate to contact me at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response is rejected because these accounts have not been validated as outlined in First Advantage's response to my disputeIf first advantage had done it's due dilegence the validation docs would be readily accessibleSo essentially, in their response thegly are saying that this erroneous debt will continue to reporton my credit until they validate whether or not I am responsibleTHIS IS COMPLETELY UNACCEPTABLEIt is the responsibility of the purchasing company to validate docs and accounts before theh go damaging consumer's credit I am requesting that these accounts are removed immediately or I will be taking further consumer right's actions Final Consumer Response / [redacted] (2000, 15, 2016/12/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Business Response / [redacted] (4000, 13, 2016/12/16) */ The validation was sent on Wednesday December 14, which is why Ms [redacted] would not be in receipt of the documentationPlease allow a few days for receipt of the documentation
Initial Business Response / [redacted] (1000, 5, 2016/10/14) */ October 14, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated October 12, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] 's account was placed with our office on July 19, by our client to collect on this debt On July 20, 2016, One Advantage did send a dunning notice to Ms [redacted] , explaining the account was placed with our office for collectionsThis letter was sent to the address Ms [redacted] has listed in her complaint and no mail return was received We have also attempted to call Ms [redacted] but no phone contact was established with her One Advantage does reflect receiving the following payments directly from the client, [redacted] on August 12, 2016, [redacted] on September 16, and a payment of [redacted] was reported to us on October 12, We reflect the same balance due of [redacted] as Ms [redacted] Upon receipt of this complaint, One Advantage has coded the account as disputed and sent a request to the client for validation of debtOnce received, we will send to the documentation to herMs [redacted] can continue to make her payments directly to the client One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/08/31) */ August 31, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated August 25, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] had a total of forty three (43) accounts that were placed with our office to collect on these debtsThree (3) of the accounts have been closed from our office and we are currently servicing forty (40) accountsFirstsource Advantage has sent Ms [redacted] letters informing her that the accounts were placed with our officeThe letters were sent to the address she has listed in her complaint Call recordings do reveal that on July 22, 2016, Ms [redacted] contacted our office and asked for information regarding her accountsThe representative initially informed Ms [redacted] we could not send anything and has been counseled on the importance of ensuring proper information is provided to customersWritten disciplinary action will be kept on file Firstsource Advantage did send Ms [redacted] a breakdown of accounts and the amounts that were due via email per her requestPlease note that the reason Ms [redacted] may think there was double credit reporting is because the client did place several accounts with our office with the same date of serviceWe have confirmed with [redacted] Daughter Medical Center that these are separate bills and no credit reporting errors were identified Upon receipt of this complaint, Firstsource Advantage has updated Ms [redacted] 's accounts to reflect disputed and requested validation of debtOnce the documentation has been received, we will send to her We do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your response is a flat out lieI have spoken to [redacted] Daughters myselfI had a print out of every charge back to I also was in their office when they spoke with your office about the duplication of service dates in totalAlso my insurance paid in full on some of these charges that you are reportingYou obviously did not investigate appropriatelyAlso I did not receive notification of all of these accountsI don't care that you had a talk with your representativeYou are reporting inaccuracies and according to the laws you are supposedly trained in this is illegalI have tried to go about this in an appropriate mannerI will file suit since you clearly do not feel the need to correct your errorsSince I have been unable to contact a supervisor on multiple occasions please provide me with your registered agent in my areaI will also begin reaching out to others on Monday to review their bills and collections to assist them in taking necessary steps Final Consumer Response / [redacted] (4200, 11, 2016/09/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your response is a flat out lieI have spoken to [redacted] Daughters myselfI had a print out of every charge back to I also was in their office when they spoke with your office about the duplication of service dates in totalAlso my insurance paid in full on some of these charges that you are reportingYou obviously did not investigate appropriatelyAlso I did not receive notification of all of these accountsI don't care that you had a talk with your representativeYou are reporting inaccuracies and according to the laws you are supposedly trained in this is illegalI have tried to go about this in an appropriate mannerI will file suit since you clearly do not feel the need to correct your errorsSince I have been unable to contact a supervisor on multiple occasions please provide me with your registered agent in my areaI will also begin reaching out to others on Monday to review their bills and collections to assist them in taking necessary steps Final Business Response / [redacted] (4000, 13, 2016/09/12) */ September 12, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your recent correspondence dated September 9, Upon receiving notification that Ms [redacted] was not satisfied with this response we revisited this complaint As previously stated, when we originally reached out to the client they did inform us there were no duplicate accountsWhen we received Ms [redacted] 's first rebuttal, we did reach out to the client againAt that time, the client did inform us that the guarantor accounts were merged and some accounts were duplicated As stated, we requested all of these accounts to be removed from Ms [redacted] 's credit reportWe also removed all the duplicate accounts from our office We do apologize for any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/03/02) */ Thank you for your correspondence dated February 24, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] 's account was placed with One Advantage, LLC on September 9, by our client to collect on this debt On September 28, One Advantage sent Ms [redacted] a letter to the address of Nevada StBristol, VA 2420, which is the address she has listed in this complaintWe did not receive any mail return on the account It appears the reason that our offices were not able to locate Ms [redacted] 's account was because she was providing her social security number, which was not listed on the account, and also when the account was placed with us we had the name reflected as [redacted] BurnetteWithout a complete match, we are not able to locate accounts On February 19, One Advantage received a letter from Ms [redacted] stating she does not owe the balanceUpon receipt of this correspondence One Advantage updated Ms [redacted] 's account and credit report to reflect disputed We then had a representative call Ms [redacted] to advise of the account and left a message on phone number XXX-XXX-XXXX As of February 19, Ms [redacted] 's account and credit report were updated to reflect her disputeWe are currently working on obtaining the validation of debt and once received, we will send the documents to Ms [redacted] Due to Ms [redacted] 's inconvenience that she experienced, we have submitted a request to have this account removed from her credit report We do regret any inconvenience that Ms [redacted] may have experienced and hope the above information will help resolve her concerns One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedPlease call me at XXX-XXX-XXXX if you have any questionsThank you Sincerely, Nicholette [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) While I do not agree with certain facts provided by Mr [redacted] , I accept the response All I was asking was for verification of the debt With it being removed from my credit report, I should be able to move forward with my financial plans Thank you
Initial Business Response / [redacted] (1000, 5, 2016/04/08) */ Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated April 4, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedWe do reflect that Ms [redacted] paid the account in full on March 4, In review of the account Firstsource Advantage did find that Ms [redacted] sent us a validation request on September 10, but we failed to address the request until we received the second notice Due to validation request not being responded upon initial receipt, we have submitted a request to have this account removed from Ms [redacted] 's credit report We do apologize for any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/13) */ Contact Name and Title: Nicholette [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @na.firstsource.com Thank you for your correspondence dated January 12, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedA total of nine accounts for Mr [redacted] were placed with our office by this clientAt the end of November 2015, we do reflect receiving balance in full payments on four of his accounts which were credit reportedOnce the accounts were paid, Firstsource Advantage updated his credit report to reflect that they were paid in full Please note that Firstsource Advantage removes accounts from the credit report if we find the information to be inaccurateAt this time, we have no discrepancies that would make us believe that we are reporting inaccurate information We do regret any inconvenience that MrElkin's may have experienced and hope that all of his concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, Nicholette [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) All other collection agencies will delete paid collections off your credit history once paid in fullI no this because my fiance and I have gotten several deleted through another collections companyI need my credit score to go up or my young children and I wont have a place to live because I will have to foreclose on my home Final Business Response / [redacted] (4000, 9, 2016/01/15) */ Contact Name and Title: Nicholette [redacted] Compliance Manag Dear MsAnciani - Dutt, Thank you for your recent correspondence dated January 15, Upon receiving notification that Mr [redacted] was not satisfied with our response, we have revisited this complaint Firstsource Advantage is obligated to follow the credit reporting guidelines which state: MAINTAINING ACCURACY, INTEGRITY AND CONSISTENCY OF CREDIT INFORMATION Once information is reported accurately, it is important that data furnishers not ask for a subsequent change in the history payment record unless the payment history is inaccurate Consumer credit history information will be reported in a factual, precise and objective manner Only inaccurately reported accounts should be deletedPaid derogatory accounts, such as collections or charge offs, should be reported as paid; they should not be deleted Requests by consumers for re-verification of challenged information must be processed promptly Unless an error is discovered, the consumer will be advised that the factual credit history will continue to be reported Again, we do regret any inconvenience that Mr [redacted] may have experienced and hope that all of his concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, Nicholette [redacted] Compliance Manager OFFER:
Initial Business Response / [redacted] (1000, 5, 2016/03/28) */ Thank you for your correspondence dated March 22, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed Mr [redacted] 's account was placed with Firstsource Advantage on February 24, by our client to collect on this debt The call recordings do not reflect any of our representatives being rude to Mr [redacted] Our records do reflect a representative repeatedly and unnecessarily made excessive callsThe representative has been counseled on the importance of properly dialing on accounts and written disciplinary action will be kept on fileMr [redacted] did inform our office to not call his parent's number but the representative failed to have the number properly removed which resulted in additional callsThis representative has been counseled on the importance of properly removing wrong numbers to ensure no further calls are mare and written disciplinary action will be kept on file Upon receipt of this complaint, Firstsource Advantage has sent a request to the client for verification of debt and also removed all numbers on the accountOnce the documents are received, we will send them to Ms [redacted] and then close his account from our office as a cease and desist We do apologize for any inconvenience that Mr [redacted] may have experienced and hope the above information will help resolve his concerns Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedPlease call me at XXX-XXX-XXXX if you have any questionsThank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/08/23) */ Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated August 22, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] 's account was placed with our office on March 28, by our client to collect on this debtOn March 29, Firstsource Advantage sent Ms [redacted] a notice informing her that the account was placed with our officeThis letter was mailed to the address Ms [redacted] has provided in her complaint We do reflect that Ms [redacted] paid her account in full on June 1, Her credit report was updated to reflect paid in full Upon receipt of this complaint, Firstsource Advantage has updated Ms [redacted] 's account to reflect disputed We do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) No notice was received on March 29, I would not have neglected a notice for [redacted] knowing that it would affect my creditThe client that they are referring to should not have ever even sent my account to collections as I was paying each month on a medical billThat is a separate issueNo notice was received at my addressI would have charged a credit card knowing how hard I have worked for good creditI moved my whole family away from my home in California in order to live on one income and pay off credit cardsThis is not an ethical action as I did not receive the above mentioned notice from March 29, The item needs to be removed from my credit report Final Business Response / [redacted] (4000, 9, 2016/08/25) */ August 25, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your recent correspondence dated August 24, Upon receiving notification that Ms [redacted] was not satisfied with our response, we have revisited this complaint We are sorry to hear that Ms [redacted] did not receive our letterAs previously stated, we do reflect that Ms [redacted] paid her account in full on June 1, Her credit report was updated to reflect paid in full Upon receipt of the original complaint, Firstsource Advantage has updated Ms [redacted] 's account to reflect disputed Please note that Firstsource Advantage, LLC removes accounts from the credit report if we find the information to be inaccurateAt this time, we have no discrepancies that would make us believe that we are reporting inaccurate information Again, we do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/06/02) */ Thank you for your correspondence dated May 26, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedUpon review of the complaint, it appears that Ms [redacted] is attempting to contact our Firstsource Advantage, LLC office and not our affiliate company, One Advantage, LLC who is servicing her accountsWe believe this is the reason she was not able to establish contact with our office and also that she was using the incorrect website Records reflect that several letters were sent to Ms [redacted] at her address listed in her complaint One Advantage does reflect Ms [redacted] making payments and we appreciate her working with our office to resolve her accountsIf she would like to contact our affiliate office, she may reach us toll free at X-XXX-XXX-XXXX and a representative would be happy to assist her The One Advantage, LLC payment website is http://paylaportenorth.oneadvantagellc.com We do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/12/07) */ December 7, Re: [redacted] Complaint ID: XXXXXXXX We are in receipt of your case referenced above relating to this consumer which relates to an account serviced by our affiliate company, One Advantage, LLCWe have contacted them regarding this complaint and received the following information Per our standard complaint process, a thorough investigation of the allegations was performedMs [redacted] has three accounts that were placed with their office On April 25, an initial notice was sent to the address of [redacted] XXXXXOne Advantage did not receive a mail return on the accountOne Advantage also made several attempts to contact Ms [redacted] by telephone but all attempts were unsuccessful at establishing contact Upon receipt of this complaint, One Advantage has updated the accounts and credit report to reflect disputed and ordered validation of debtOnce received, they will send the verification to Ms [redacted] They do regret any inconvenience that Mr [redacted] may have experienced and hope that all of her concerns have been addressed One Advantage LLC has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers Complaints such as yours are taken very seriously and are thoroughly investigated Should you have any questions, please do not hesitate to contact me at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response is rejected because these accounts have not been validated as outlined in First Advantage's response to my disputeIf first advantage had done it's due dilegence the validation docs would be readily accessibleSo essentially, in their response thegly are saying that this erroneous debt will continue to reporton my credit until they validate whether or not I am responsibleTHIS IS COMPLETELY UNACCEPTABLEIt is the responsibility of the purchasing company to validate docs and accounts before theh go damaging consumer's credit I am requesting that these accounts are removed immediately or I will be taking further consumer right's actions Final Consumer Response / [redacted] (2000, 15, 2016/12/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Business Response / [redacted] (4000, 13, 2016/12/16) */ The validation was sent on Wednesday December 14, which is why Ms [redacted] would not be in receipt of the documentationPlease allow a few days for receipt of the documentation
Initial Business Response / [redacted] (1000, 5, 2016/10/14) */ October 14, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated October 12, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] 's account was placed with our office on July 19, by our client to collect on this debt On July 20, 2016, One Advantage did send a dunning notice to Ms [redacted] , explaining the account was placed with our office for collectionsThis letter was sent to the address Ms [redacted] has listed in her complaint and no mail return was received We have also attempted to call Ms [redacted] but no phone contact was established with her One Advantage does reflect receiving the following payments directly from the client, [redacted] on August 12, 2016, [redacted] on September 16, and a payment of [redacted] was reported to us on October 12, We reflect the same balance due of [redacted] as Ms [redacted] Upon receipt of this complaint, One Advantage has coded the account as disputed and sent a request to the client for validation of debtOnce received, we will send to the documentation to herMs [redacted] can continue to make her payments directly to the client One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/08/31) */ August 31, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated August 25, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] had a total of forty three (43) accounts that were placed with our office to collect on these debtsThree (3) of the accounts have been closed from our office and we are currently servicing forty (40) accountsFirstsource Advantage has sent Ms [redacted] letters informing her that the accounts were placed with our officeThe letters were sent to the address she has listed in her complaint Call recordings do reveal that on July 22, 2016, Ms [redacted] contacted our office and asked for information regarding her accountsThe representative initially informed Ms [redacted] we could not send anything and has been counseled on the importance of ensuring proper information is provided to customersWritten disciplinary action will be kept on file Firstsource Advantage did send Ms [redacted] a breakdown of accounts and the amounts that were due via email per her requestPlease note that the reason Ms [redacted] may think there was double credit reporting is because the client did place several accounts with our office with the same date of serviceWe have confirmed with [redacted] Daughter Medical Center that these are separate bills and no credit reporting errors were identified Upon receipt of this complaint, Firstsource Advantage has updated Ms [redacted] 's accounts to reflect disputed and requested validation of debtOnce the documentation has been received, we will send to her We do regret any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your response is a flat out lieI have spoken to [redacted] Daughters myselfI had a print out of every charge back to I also was in their office when they spoke with your office about the duplication of service dates in totalAlso my insurance paid in full on some of these charges that you are reportingYou obviously did not investigate appropriatelyAlso I did not receive notification of all of these accountsI don't care that you had a talk with your representativeYou are reporting inaccuracies and according to the laws you are supposedly trained in this is illegalI have tried to go about this in an appropriate mannerI will file suit since you clearly do not feel the need to correct your errorsSince I have been unable to contact a supervisor on multiple occasions please provide me with your registered agent in my areaI will also begin reaching out to others on Monday to review their bills and collections to assist them in taking necessary steps Final Consumer Response / [redacted] (4200, 11, 2016/09/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your response is a flat out lieI have spoken to [redacted] Daughters myselfI had a print out of every charge back to I also was in their office when they spoke with your office about the duplication of service dates in totalAlso my insurance paid in full on some of these charges that you are reportingYou obviously did not investigate appropriatelyAlso I did not receive notification of all of these accountsI don't care that you had a talk with your representativeYou are reporting inaccuracies and according to the laws you are supposedly trained in this is illegalI have tried to go about this in an appropriate mannerI will file suit since you clearly do not feel the need to correct your errorsSince I have been unable to contact a supervisor on multiple occasions please provide me with your registered agent in my areaI will also begin reaching out to others on Monday to review their bills and collections to assist them in taking necessary steps Final Business Response / [redacted] (4000, 13, 2016/09/12) */ September 12, Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your recent correspondence dated September 9, Upon receiving notification that Ms [redacted] was not satisfied with this response we revisited this complaint As previously stated, when we originally reached out to the client they did inform us there were no duplicate accountsWhen we received Ms [redacted] 's first rebuttal, we did reach out to the client againAt that time, the client did inform us that the guarantor accounts were merged and some accounts were duplicated As stated, we requested all of these accounts to be removed from Ms [redacted] 's credit reportWe also removed all the duplicate accounts from our office We do apologize for any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/03/02) */ Thank you for your correspondence dated February 24, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedMs [redacted] 's account was placed with One Advantage, LLC on September 9, by our client to collect on this debt On September 28, One Advantage sent Ms [redacted] a letter to the address of Nevada StBristol, VA 2420, which is the address she has listed in this complaintWe did not receive any mail return on the account It appears the reason that our offices were not able to locate Ms [redacted] 's account was because she was providing her social security number, which was not listed on the account, and also when the account was placed with us we had the name reflected as [redacted] BurnetteWithout a complete match, we are not able to locate accounts On February 19, One Advantage received a letter from Ms [redacted] stating she does not owe the balanceUpon receipt of this correspondence One Advantage updated Ms [redacted] 's account and credit report to reflect disputed We then had a representative call Ms [redacted] to advise of the account and left a message on phone number XXX-XXX-XXXX As of February 19, Ms [redacted] 's account and credit report were updated to reflect her disputeWe are currently working on obtaining the validation of debt and once received, we will send the documents to Ms [redacted] Due to Ms [redacted] 's inconvenience that she experienced, we have submitted a request to have this account removed from her credit report We do regret any inconvenience that Ms [redacted] may have experienced and hope the above information will help resolve her concerns One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedPlease call me at XXX-XXX-XXXX if you have any questionsThank you Sincerely, Nicholette [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) While I do not agree with certain facts provided by Mr [redacted] , I accept the response All I was asking was for verification of the debt With it being removed from my credit report, I should be able to move forward with my financial plans Thank you
Initial Business Response / [redacted] (1000, 5, 2016/04/08) */ Re: [redacted] Complaint ID: XXXXXXXX Dear ***, Thank you for your correspondence dated April 4, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedWe do reflect that Ms [redacted] paid the account in full on March 4, In review of the account Firstsource Advantage did find that Ms [redacted] sent us a validation request on September 10, but we failed to address the request until we received the second notice Due to validation request not being responded upon initial receipt, we have submitted a request to have this account removed from Ms [redacted] 's credit report We do apologize for any inconvenience that Ms [redacted] may have experienced and hope that all of her concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, [redacted] Compliance Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/13) */ Contact Name and Title: Nicholette [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @na.firstsource.com Thank you for your correspondence dated January 12, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performedA total of nine accounts for Mr [redacted] were placed with our office by this clientAt the end of November 2015, we do reflect receiving balance in full payments on four of his accounts which were credit reportedOnce the accounts were paid, Firstsource Advantage updated his credit report to reflect that they were paid in full Please note that Firstsource Advantage removes accounts from the credit report if we find the information to be inaccurateAt this time, we have no discrepancies that would make us believe that we are reporting inaccurate information We do regret any inconvenience that MrElkin's may have experienced and hope that all of his concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, Nicholette [redacted] Compliance Manager OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) All other collection agencies will delete paid collections off your credit history once paid in fullI no this because my fiance and I have gotten several deleted through another collections companyI need my credit score to go up or my young children and I wont have a place to live because I will have to foreclose on my home Final Business Response / [redacted] (4000, 9, 2016/01/15) */ Contact Name and Title: Nicholette [redacted] Compliance Manag Dear MsAnciani - Dutt, Thank you for your recent correspondence dated January 15, Upon receiving notification that Mr [redacted] was not satisfied with our response, we have revisited this complaint Firstsource Advantage is obligated to follow the credit reporting guidelines which state: MAINTAINING ACCURACY, INTEGRITY AND CONSISTENCY OF CREDIT INFORMATION Once information is reported accurately, it is important that data furnishers not ask for a subsequent change in the history payment record unless the payment history is inaccurate Consumer credit history information will be reported in a factual, precise and objective manner Only inaccurately reported accounts should be deletedPaid derogatory accounts, such as collections or charge offs, should be reported as paid; they should not be deleted Requests by consumers for re-verification of challenged information must be processed promptly Unless an error is discovered, the consumer will be advised that the factual credit history will continue to be reported Again, we do regret any inconvenience that Mr [redacted] may have experienced and hope that all of his concerns have been addressed Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedShould you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX Thank you Sincerely, Nicholette [redacted] Compliance Manager OFFER:
Initial Business Response / [redacted] (1000, 5, 2016/03/28) */ Thank you for your correspondence dated March 22, Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed Mr [redacted] 's account was placed with Firstsource Advantage on February 24, by our client to collect on this debt The call recordings do not reflect any of our representatives being rude to Mr [redacted] Our records do reflect a representative repeatedly and unnecessarily made excessive callsThe representative has been counseled on the importance of properly dialing on accounts and written disciplinary action will be kept on fileMr [redacted] did inform our office to not call his parent's number but the representative failed to have the number properly removed which resulted in additional callsThis representative has been counseled on the importance of properly removing wrong numbers to ensure no further calls are mare and written disciplinary action will be kept on file Upon receipt of this complaint, Firstsource Advantage has sent a request to the client for verification of debt and also removed all numbers on the accountOnce the documents are received, we will send them to Ms [redacted] and then close his account from our office as a cease and desist We do apologize for any inconvenience that Mr [redacted] may have experienced and hope the above information will help resolve his concerns Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer Complaints such as yours are taken very seriously and are thoroughly investigatedPlease call me at XXX-XXX-XXXX if you have any questionsThank you Sincerely, [redacted] Compliance Manager