Brothers Tire Sales, Inc.

Initial Business Response /* (1000, 5, 2017/03/07) */
Contact Name and Title: ***
Contact Phone: 775-267-
Contact Email: ***
OUR OFFICE HAS REVIEWED THE DISPUTE AND REQUIRE ADDED INFORMATION TO LOCATE THE CONSUMER IN OUR DATA BASEINFORMATION SUCH AS NBF ACCT NUMBER,
SSN, DOB, CLIENT NAME, ETC WOULD BE HELPFUL
WITH THE LIMITED INFO PROVIDED I CANNOT MATCH THIS COMPLAINT, WITH 100% ASSURANCE, TO ANY SPECIFIC ACCT ON FILE
***
NATIONAL BUSINESS FACTORS
775-267-
Initial Consumer Rebuttal /* (3000, 7, 2017/03/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear ***, I have reported my name to you, again, "*** the Revdex.com will not post my social or other information of your requestYou most certainly have an attitude problem not only your employies to be unhelpful in clearing this problem up correctlyWE ALL KNOW YOU ARE THE ONE WITH THE INCORRECT DATABASE WITH MY NAME REPORTING FALSELY TO MY CREDIt which I do not have access to for you information youve requested my name should be enough

Initial Business Response /* (1000, 5, 2017/05/05) */
Contact Name and Title: ***
Contact Phone: ***
Contact Email: ***
OUR OFFICE CONTACTED THE CONSUMER AND RESOLVED THIS MATTERWE WROTE OFF THE INTEREST AND THE CONSUMER PAID THE PRINCIPAL BALANCEWE ALSO
REMOVED/DELETED THE ACCOUNT FROM THE CREDIT BUREAUS
DF
Initial Consumer Rebuttal /* (2000, 7, 2017/05/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Spoke to Kay on the phone and she did exactly as written in responseVery pleased with outcome as they were understanding of my situation

Initial Business Response /* (1000, 5, 2016/01/27) */
Contact Name and Title: *** - MGR
Contact Phone: 775-267-
Contact Email: ***
The consumer must contact our office at 775-267-6000, and ask for *** Green the collection manager*** will work with the consumer to
the specific accounts that are past the statute of limitationsWe will delete those accountsWe will also work with *** to resolve any other issues he may have
Initial Consumer Rebuttal /* (3000, 7, 2016/01/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will not callSpecifically because I don't have time and last time I dealt with a collection they bullied meIf they would like they can send me account numbers to my email***

Initial Business Response /* (1000, 5, 2016/12/29) */
Contact Name and Title: *** *** - Manager
Contact Phone: ***-***-***
Contact Email: ***@***.***
Our office has reviewed the consumer's complaintOur records show a number of accounts assigned to this consumerMost of these
accounts have been cancelled and are past the statute of limitationsTwo accounts are shown to have a balance reported to the credit bureaus
We have therefore taken the action to clear these two accounts from the credit bureausThis should be reflected on the reports within days
Initial Consumer Rebuttal /* (2000, 7, 2016/12/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
if I owed any medical bills, I have two medical insurances and they should have paid on those!! there are also collection on my credit from my ex-husband also, that you guys want me to pay and i'm not doing thoseI have had two insurances for over years and I don't understand how I could be sent in for medical bills? and why didn't you guys try contacting me on these at all?
Final Consumer Response /* (3000, 12, 2017/01/03) */
I called to *** *** the manmger to find out what else I had on collection and he wasn't in the officeso they transferred me to ***I asked her what else was on it and her she was sorta rude telling me that the bill that in collection will stay because its statue of limitations hasn't ran out and that wasn't her problem, well I told her it wasn't mine either and that I have two insurances and they could have notified me and I would have given them that information againshe said that *** wasn't paying it now because of the time that had passed! well, as I told her not my problem either, then she informed me that they only mail a bill as a courtesy in the state of Nevadawell I think they need to change that!! and who can remember that far backas I see it, that bill as far as i'm concerned is NOT MY PROBLEM AT ALL!!! IF THEY DON'T CONTACT THAT PERSON AND THEY HAVE TWO INSURANCES, THEN THEY BETTER FIGURE THEIR SCRAND RESEND TO THE INSURANCES TO COLLECT THEIR MONEY!!!and if they try doing anything, it's not my problem, and deal with *** and ***and as for ***'s attitude with me, it doesn't work at allthat hospital or whatever it is should have found out their mistake and corrected it as soon as it was sent back, because *** will let them know why it wasn't going to be paid/or their coding was wrong
thank you,
*** ***
Final Business Response /* (4000, 14, 2017/01/04) */
I HAVE LOOKED AT ALL OF THE CONSUMERS ACCOUNTS IN OUR SYSTEMMOST ARE OUT OF THE STATUTE OF LIMITATIONS OR CANCELLEDALL SHOW BALANCEHOWEVER, I TOOK THE ACTION, ON JAN 2017, TO DELETE ALL REMAINING ACCOUNTS FROM THE CREDIT BUREAUS WE REPORT TO; ***, *** AND ***THESE ACCOUNTS SHOULD BE REMOVED FROM THESE CREDIT BUREAU REPORTS WITHIN DAYS
***
***-***-***

Initial Business Response /* (1000, 9, 2016/09/06) */
This account was assigned to National Business Factors for collections on 07-26-Our office sent a Svalidation notice on 7-27-No mail returnThis account is in a packet of accountsCurrently the amount owed including
interest is $
However, since this account is outside the statute of limitations our office will immediately submit a Universal Data form to deleted the acct from the credit bureaus

Initial Business Response /* (1000, 5, 2018/01/30) */
*** has seven accounts in total assigned to this agencyTwo of the seven accounts were paid through the arrangement *** made on October 18, A payment was applied to an account on November 3, with another payment set
for November 20, On November 14, 2017, *** telephoned and asked if she could change the date from the 20th to 24th November, which we didThe payment ran on the November 24, No payments were received for December Our representative left four messages at her residenceMy office has no notes indicating not to call her place of employmentWhen *** failed to return our calls, our Collection Manager *** *** telephoned to make payment arrangements*** offered $a month on a $2,balanceThis is not sufficient to pay this amount owedThe offer was declined and no new payment arrangements were offered by her
*** has stated she is working on resolving a "mess-up" with her insurance carrier, but she has failed to provide us with any letter or appeal paperwork to\from her insurance carrierIn addition, she has never articulated to us what the actual problem is with her insurance carrierOur client billed ***'s insurance carrier and they denied payment for services renderedOur client sent several statements to *** prior to assigning the accounts to us
Initial Consumer Rebuttal /* (3000, 7, 2018/01/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have made THREE payments to youNot twoI have the bank statements to prove it10/21/17, 11/5/17, and 11/25/I also have the payment on my account where you pulled it AFTER TELLING ME THREE TIMES YOU WEREN'T GOING TOI have told you people MULTIPLE times not to contact my office, it's not my fault you don't notate your accountYour manager *** *** was extremely rude and unprofessionalI do not owe you $And you need to fix thatYour business clearly has no idea how to do your accountingI told Ginger Baker what the problem with the insurance was TWICEAgain, maybe you should notate accounts betterAs far as I know I have THREE accounts with you, NOT sevenSo maybe before threatening me, you should explain all of these supposed accounts and the outrsgeous amount of interest you're charging me$in monthsOn three accounts is ridiculous
Final Business Response /* (4000, 9, 2018/01/31) */
On January 30, 2018, *** emailed two of our employees regarding these accountsA reply to her emails was mailed later that afternoon to the address she providedThere have never been any threats made to ***, simply a demand for paymentThe interest that is charged is in accordance with NRS and accumulates on the unpaid principal balanceOnce *** has read the letter and if she still has questions, she may contact us

Whether or not the complaint is "not accepted" is invalid The drain can only function one way, the way it has since the day of installation Just because the customer says something over and over, does not make it factual They are wrong about the drain system and refuse to address their actions in this caseThe drain is just as faulty as the actions of the representativeWe will never recommend, to any other contractor, that they conduct any business with this couple

Initial Business Response /* (1000, 5, 2015/11/05) */
Contact Name and Title: *** Chief of Op
Contact Phone: ***
Contact Email:***
NBF submitted a Universal Data Form (on line submittal)to clear *** credit bureau reports on 08-21-These were submitted
to ***, *** and *** to clear NBF account This account should have been cleared within days of our submittalHowever, I have resubmitted a universal on 11-04-to again clear this accountIf this does not work then *** will have to contact the credit bureaus directly and ask why!!!! Fortunately or unfortunately NBF does not control the credit burequs performance

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
I am in receipt of Bath Fitter response to our complaint and I do not accept it because there is no truth to anything he saidWhile our bath tub plug is workable it is not working as it was at installationWe are in no way confused about the vanity sink plug and he would have realized this if we were given a chance to explainThe Bath Fitter representative was the one who became argumentative and things escalated with him telling me I am *** crazy twice and saying "you should die" twiceMy husband and I are and and it would be ridiculous to create a situation like thisI realize this is his word against mine but this is truly what happened His behavior in my home was unacceptable and unwarranted and it was not the appropriate way to handle a customerI would never recommend this company's services to anyone.Regards,*** ***
*** ***

There is nothing wrong with the drain kit that was installedThe home owners are getting it confused with the drain system in the vanity sink When the technician tried to explain this to them, they became belligerentThe technician left the property under extreme abuse from the home owners
and did not say what they say he did

Initial Business Response /* (1000, 5, 2016/04/01) */
THERE ARE MULTIPLE ACCOUNTS LISTED UNDER THIS CONSUMERS NAME AND ADDRESS. THERE ARE TWO ACCOUNTS THAT ARE CURRENTLY ACTIVE IN OUR SYSTEM ONE WITH [redacted] FOR $169.08 AND ONE FOR [redacted] FOR $169.08 AND ONE FOR...

[redacted] FOR $22.27. THE TOTAL OF BOTH ACCOUNTS IS $191.35. OUR NOTES SHOW THAT THE CONSUMER, IN THIS CASE, USED FOUL LANGUAGE AND WAS REFUSING TO PAY. I HAVE ALSO CODED THE ACCOUNT AS CEASE AND DESIST (CAD) WHICH MEANS OUR OFFICE WILL NOT CONTACT [redacted]. THE CONSUMER WILL HAVE TO CONTACT OUR OFFICE IF SHE DESIRES TO RESOLVE THIS MATTER.

Initial Business Response /* (1000, 5, 2018/02/06) */
Our client assigned the account on May 10, 2017. A validation notice was mailed on May 11, 2017 with no return mail. My office received three payments July, August and September of $25.00 each. November 16, 2017 one of my collectors left a...

message for a return call. November 30, 2017, [redacted] returned the call and stated she made payments in May and June that went uncashed. My office did not receive those checks. [redacted] sent in a payment on December 27, 2017, for the principal balance. [redacted] did not call to verify the balance. On February 1, 2018 [redacted] telephone and spoke with our Collection Manager who informed her about interest. [redacted] paid the amount owing. [redacted] had only one account with this office, the account number did not change. The account is now paid and full, this matter is closed.
Initial Consumer Rebuttal /* (3000, 7, 2018/02/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did ask for a Payoff balance in November 2017 which I made payment of. I also still have an outstanding payment of $25 that was mailed to you November 30th 2017 that has not been cashed.
Your Company charges interest on collection balances and reports to credit agency's monthly. National Business Factors is a collection agency that does not work with customers, looses payments and threatens credit destruction. I paid my bill. Could you imagine what it would be like if someone could not make your payment plans?
[redacted] and [redacted] you do not work with customers. You take advantage of lower income clients and threaten them. I have made contact with the Hospital in Question. This matter is not closed for me as long you are in business. I will talk to any person that will share their experience with your company. You are a predatory company.
As of February 2018 your reporting to Credit agency's that I have an unpaid balance of $26. which you state was .87 owing and 24.95 Interest on the account. The Hospital wrote off the .87 cents. When you called me in February I was shocked that it was not paid in full. But as I inquirered about the balance it kept going up. When I asked asked how it had not been paid when I asked for the Payoff in November I was told by [redacted] I didn't ask for it, I did.
When I went to the Hospital to complain you told them you had charged me $29. When I complained to the Hospital it went back to $25.85 and yet you reported $26 for 5 years on my credit.
To Sum up. National Business Factors does not provide monthly statements, they do not provide payoff balances, they do not tell you they are charging you interest on the balance of your account nor do they provide what that interest rate is and if you can not make their payment demands they threaten credit destruction.
People should know whom and what kind of business National Business Factors is.
[redacted] and [redacted], for me this matter will never be closed.
Final Business Response /* (4000, 9, 2018/02/07) */
It is not our practice to mail monthly statements on collection accounts. We send validation notices that list principal and interest. If a debtor asks, we will provide a statement showing the accounts with principal and interest. Under federal procedure, a negative mark is not placed on credit for 180 days. We do not threaten credit destruction. Our collectors inform all debtors who call the amount of the principal and the amount of interest that is owed. As a courtesy to [redacted], we will be deleting this account from the credit bureaus.

Initial Business Response /* (1000, 5, 2017/08/10) */
I have reviewed [redacted] complaint and reached out to our client[redacted] provided [redacted] with medical equipment. When [redacted] reached out to Key and explained his situation, my client offered him a payment plan of...

$20.00 per month. [redacted] last payment was received on August 2, 2016. [redacted] moved from the area and took the equipment with him. He failed to return the device to my client as such the outstanding balance is due. This will remain on his credit until the account is paid in full.
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2017/08/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
From the spring of 2013 till July 2016( which was the first I heard from them since the spring of 2013) I told[redacted] at least 2 times early on in 2013 and when they called back in July 2016 that they could have the equipment back I didn't move until the end of 2016 and it was after they refused to take back equipment.[redacted] didn't want the equipment back because then they could not continue to bill Medicare for 3 years. I paid them one payment in august 2016 because the 3 years was up in December 2016 and I thought they wanted 20.00 from august 2016 to December 2016 but when they went back to January 2013. I told them I never agreed with that. And finally if I told them early on in 2013 I could not afford to pay a monthly fee and I told them also they could have the equipment back and at that time they said not to worry and I never heard from them again until July 2016 six months before the 3 years was up. When I found out they wanted me to pay back from January 2013 I said that was not what we agreed to and I told them again they could have the equipment back months before I moved. They refused to take the equipment back simply because they wanted Medicare to pay them for 3 full years. Why did they wait so long 2 and half years without any payments from me before they contacted me if I was supposed to be making monthly payments. If someone didn't make any payments for 2 and half years why didn't they try to collect then? Why not come and get the equipment? I was still in the area. It is obvious they wanted Medicare to pay them for 3 years for the equipment.

Initial Business Response /* (1000, 5, 2016/08/03) */
Contact Name and Title: [redacted]
Contact Phone: 775-267-6000
Contact Email: [redacted]
This account was cancelled back to the client, [redacted], on June 22, 2016. Also our office submitted a universal to the credit...

bureaus on June 23, 2016 to delete this account from the consumers reports.
Initial Consumer Rebuttal /* (3000, 7, 2016/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They only responded regarding [redacted] I find no reference to the [redacted] in which that office also contacted the Nat Bus Factors office and retracted their request and I was advised by [redacted]. that even though full payment from the insurance company was paid that I would still be held responsible for a 49$ charge even though [redacted] called and retracted all additional charges since I did have valid coverage at the time of service & should not have gone to collections. Nat Bus factors also state to [redacted] that I would still be held responsible for their service charge. If an account is sent to them in error I believe it should be the responsibility of the Office accepting the collections request to investigate fully the situation and if the allegation is inaccurate to not accept the collection account this would prevent them from having to remove additional fees or start making the reporting office for the account responsible for providing accurate information and charging them the fees. If both account have been taken care of Thank you very much. If only [redacted] has been taken off then please review [redacted] account as well.
Final Business Response /* (4000, 9, 2016/08/05) */
Our office cancelled this account(NBF acct# [redacted]) back to the client on 06-22-16. Our office also on 06-23-16, submitted a universal data form (on line submittal) to the credit bureaus to have this account deleted from their files. If the consumer sees that it has not been removed call our office at 775-267-6000 and we will resubmit.

Initial Business Response /* (1000, 5, 2018/04/09) */
We do not purchase debts; our clients assign accounts to us. [redacted] had services rendered from one of our medical providers, [redacted]. My office received a dispute from [redacted] on June 30, 2014, in which he...

requested validation of the debt as well as all further communication be completed through the mail. Since our client is a medical provider, we had [redacted] provide [redacted] with an itemized statement, per HIPAA. The time allotted to collect on this debt has expired. My office submitted universal deletions, through E-Oscar, on January 30, 2018 and February 26, 2018. Due to the full file regulation, the credit bureaus were updated in totality. On April 3, 2018, we again submitted another universal deletion and coded the account to omit credit reporting.

Initial Business Response /* (1000, 5, 2016/06/07) */
Contact Name and Title: [redacted], OPERATIONS
Contact Phone: 775-267-6000
Contact Email: [redacted]
NBF HAS REVIEWED THE ACCOUNT IN QUESTION. OUR RECORDS SHOW THAT THE ACCT NBF [redacted] WAS PAID IN FULL ON 28 aPRIL 2016, OUR RECORD...

SHOWS A 0 BALANCE. HOWEVER TO GET THIS SOLVED WE HAVE TAKEN THE ACTION TO HAVE IT COMPLETELY REMOVED FROM THE CREDIT BUREASU. THIS IS DONE ON LINE AND SHOULD BE REMOVED WITHIN 30 DAYS.

Initial Business Response /* (1000, 5, 2018/02/28) */
In reviewing [redacted] account we discovered there was an additional automatic payment debiting his credit card account. We do take issue with his accusing NBF of predatory and immoral business practices.
This was a single error and...

was not made with malicious or fraudulent intention. It was simply human error. These errors types can happen within any business. Our accounting department took immediate action (yesterday February 26, 2018 to refund the $65.00 to [redacted]) upon discovering this. It must be noted that when [redacted] called yesterday morning, our accounting department had already requested a refund be issued back to him.
We expect the refund to post to his bank account on February 28, 2018 but we do not control the timing of his banks posting procedure. To further show no malicious intent, I have requested a universal deletion with the credit bureaus.
It is regretful a human error was made to [redacted] account but I can assure him that this is not how we operate our business. Perhaps [redacted] could have asked for a supervisor to handle his issue instead of accusing NBF of operating a predatory business.
Initial Consumer Rebuttal /* (2000, 7, 2018/02/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The payment in question has been credited to my checking account. I did have my bank issue a new debit card in response to this transaction. Please report this company if more transactions of this nature are prevalent. I did not choose to do business with this company. They purchased my debt, and proceeded to overcharge my account.

Initial Business Response /* (1000, 5, 2016/01/07) */
Contact Name and Title: [redacted] Chief of Op
Contact Phone: [redacted]
Contact Email: [redacted]
Our office has reviewed this complaint. The consumer resides in a closed state and the account is passed the statute of limitations...

for that state. NBF has submitted a Universal Data Form (on-line submittal) on 7 January 2016, to remove this account from the three major credit bureaus, [redacted] and [redacted]. This should be removed within 30 days.
Initial Consumer Rebuttal /* (2000, 7, 2016/01/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Consumer Response /* (3000, 12, 2016/02/23) */
it has been 45 days and this company has not followed through with the resolution that was agreed upon.
Final Business Response /* (4000, 14, 2016/02/23) */
NBF has responded to the consumers complaint and has removed the items on his/her credit reports. No further action is required at this time from NBF.

Concerning complaint #[redacted]Ms. [redacted] has a difficult time differentiating between a maintenance issue and a warranty issue. [redacted] has resiliconed her unit multiple times due to the fact that she does not maintain it properly.Ms. [redacted] has refused to pay for repair work performed at her...

property.  She scheduled the repair, told the technician that she agreed to the rate and would pay him upon completion. After the repair was completed she then refused to pay.The most recent dealings with Ms. [redacted] have proved to be difficult once again.  Not only does she complain about the rate, she doesn't keep her appointments.  On 10/18 we had a repair scheduled.  The technician arrived on time, Ms. [redacted] was not home.  He called her, she said that she would be home in about fifteen minutes.  He waited for forty-five minutes. She never showed, he left.The rates of repair work varies greatly from job to job. In general, [redacted] does not require payment in advance but in this case it is justified.[redacted] honors our warranty.  Ms. [redacted] has a maintenance issue due to negligence which is not covered by the warranty.

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