August 8, 2016 [redacted], Dispute Resolution Senior Coordinator Denver/Boulder Revdex.com 3801 E. Florida Ave., Ste. 350 Denver, CO 80210 Re: # [redacted] – [redacted] Dear Ms. [redacted],...
In response to the referenced complaint of [redacted], Budget Control Services, Inc., (BCS) offers the following response: Ms. [redacted]’s account was assigned to BCS for collections, September 3, 2014. We believe, Ms. [redacted] may be confused, although interest is accruing on her account all payments have been applied to the original amount owed to the creditor. Once this balance is paid, all further payments will be applied to the interest which is accruing at the rate of eight percent per annum, compounded annually. As a collection agency we are governed by The Colorado Fair Debt Collections Act which states that interest may be assessed as permitted by law. Per Colorado statute, CRS §5-12-101 - If there is no agreement or provision of law for a different rate, the interest on money shall be at the rate of eight percent per annum, compounded annually. The current disposition: Ms. [redacted] account remains in collections until the balance is paid in full, including interest. As a courtesy we mailed an accounting of the payments made on the account to Ms. [redacted]. Should you have any additional questions, please don’t hesitate to contact me personally.
Complaint: [redacted]
I am rejecting this response because: That is not what the Colorado Fair Debt Collection Act states: 2-14-108. Unfair practices. (1) A debt collector or collection agency shall not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the following conduct: (a) The collection of any amount, including any interest, fee, charge, or expense incidental to the principal obligation, unless such amount is expressly authorized by the agreement creating the debt or permitted by law;-- No amount of interest was ever agreed to nor was any contract delivered or signed by me. I believe the business is charging interest in violation of this act. The principle balance would have already been paid off if the business was only applying the payments to the principle amount. No written agreement was ever sent to me.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Initial Business Response /* (1000, 6, 2015/11/13) */
November 13, 2015
[redacted]
Trade Practices & Helpline Specialist
Denver/Boulder Revdex.com
[redacted]
Denver, CO XXXXX
Re: [redacted]
Dear Ms. [redacted]
In response to the referenced consumer complaint Budget...
Control Services, Inc. (BCS) offers the following response.
It is the belief of this office that Mr. [redacted] may have us confused with another collection agency. Mr. [redacted], in his complaint, states he had spoken with a lady in our office name [redacted] BCS does not have, nor have we ever had, an employee by that name.
We do, however, have an account in our office for Mr. [redacted] that was assign for collections. To date, Mr. [redacted] has not provided adequate proof, for the account in our office, that it has been paid. Instead, we received a photo copy of a check registry that was payable to a Dr. [redacted] It is believed that this is the physician who apparently performed the surgery on MR. [redacted]. BCS does not represent, nor have we ever represented Dr. [redacted]
Our office have on numerous occasions provided Mr. [redacted] with debt verification explaining that the services we are attempting to collect are that of the Surgery Center where the surgery was performed and not for Dr. [redacted]
The current disposition, as of today, is Mr. [redacted]'s account is still due and owing as there has been no payment received regarding his account in our agency.
Should you have any additional questions, please don't hesitate to contact me personally.
Respectfully,
Initial Business Response /* (1000, 6, 2015/06/03) */
June 3, 2015
[redacted] Branch Manager
Denver/Boulder Revdex.com
1020 Cherokee St
Denver, CO XXXXX
Re: [redacted] # XXXXXXXX
Dear [redacted]
In response to the referenced consumer complaint Budget Control Services (BCS) offers...
the following response.
Mr. [redacted] accounts were reduced to a judgment in Adams County Court on November 9, 2007. As the judgment was never satisfied the case was revived on June 12, 2011. The balance due is the amount of the judgment plus costs and accrued interest pursuant to the award of the court.
When Mr. [redacted] contacted our office the methods of payment were explained to him.
At this time, the judgment remains unsatisfied.
Should you have any additional questions don't hesitate to contact me personally.
Respectfully,
June 3, 2015
[redacted] Branch Manager
Denver/Boulder Revdex.com
1020 Cherokee St
Denver, CO XXXXX
Re: [redacted] # XXXXXXXX
Dear [redacted]
In response to the referenced consumer complaint Budget Control Services (BCS) offers the following response.
Mr. [redacted] accounts were reduced to a judgment in Adams County Court on November 9, 2007. As the judgment was never satisfied the case was revived on June 12, 2011. The balance due is the amount of the judgment plus costs and accrued interest pursuant to the award of the court.
When Mr. [redacted] contacted our office the methods of payment were explained to him.
At this time, the judgment remains unsatisfied.
Should you have any additional questions don't hesitate to contact me personally.
Respectfully,
March 7, 2017 [redacted]
[redacted]
[redacted] Re: # [redacted] In response to the above referenced complaint of [redacted]...
[redacted]., (BCS) offers the following response: Ms. [redacted]’s account was assigned to BCS for collections, March 2, 2017. BCS denies, as Ms. [redacted] alleges, that our representative refused to identify herself or disclosed the nature of the call. Ms. [redacted] indicated in her complaint that she received services for her pet and is seeking restitution from a third party, [redacted]. Any arrangement Ms. [redacted] made with [redacted] does not relieve her of the financial responsibility for the services provided to her pet. The current disposition: Ms. [redacted] has paid her account in full with our agency. This matter was not reported to any credit reporting agencies. Should you have any additional questions, please don’t hesitate to contact me personally. Respectfully, [redacted]
[redacted] Tell us why here...
August 8, 2016 [redacted], Dispute Resolution Senior Coordinator Denver/Boulder Revdex.com 3801 E. Florida Ave., Ste. 350 Denver, CO 80210 Re: # [redacted] – [redacted] Dear Ms. [redacted],...
In response to the referenced complaint of [redacted], Budget Control Services, Inc., (BCS) offers the following response: Ms. [redacted]’s account was assigned to BCS for collections, September 3, 2014. We believe, Ms. [redacted] may be confused, although interest is accruing on her account all payments have been applied to the original amount owed to the creditor. Once this balance is paid, all further payments will be applied to the interest which is accruing at the rate of eight percent per annum, compounded annually. As a collection agency we are governed by The Colorado Fair Debt Collections Act which states that interest may be assessed as permitted by law. Per Colorado statute, CRS §5-12-101 - If there is no agreement or provision of law for a different rate, the interest on money shall be at the rate of eight percent per annum, compounded annually. The current disposition: Ms. [redacted] account remains in collections until the balance is paid in full, including interest. As a courtesy we mailed an accounting of the payments made on the account to Ms. [redacted]. Should you have any additional questions, please don’t hesitate to contact me personally.
Complaint: [redacted]
I am rejecting this response because: That is not what the Colorado Fair Debt Collection Act states: 2-14-108. Unfair practices. (1) A debt collector or collection agency shall not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the following conduct: (a) The collection of any amount, including any interest, fee, charge, or expense incidental to the principal obligation, unless such amount is expressly authorized by the agreement creating the debt or permitted by law;-- No amount of interest was ever agreed to nor was any contract delivered or signed by me. I believe the business is charging interest in violation of this act. The principle balance would have already been paid off if the business was only applying the payments to the principle amount. No written agreement was ever sent to me.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Initial Business Response /* (1000, 6, 2015/11/13) */
November 13, 2015
[redacted]
Trade Practices & Helpline Specialist
Denver/Boulder Revdex.com
[redacted]
Denver, CO XXXXX
Re: [redacted]
Dear Ms. [redacted]
In response to the referenced consumer complaint Budget...
Control Services, Inc. (BCS) offers the following response.
It is the belief of this office that Mr. [redacted] may have us confused with another collection agency. Mr. [redacted], in his complaint, states he had spoken with a lady in our office name [redacted] BCS does not have, nor have we ever had, an employee by that name.
We do, however, have an account in our office for Mr. [redacted] that was assign for collections. To date, Mr. [redacted] has not provided adequate proof, for the account in our office, that it has been paid. Instead, we received a photo copy of a check registry that was payable to a Dr. [redacted] It is believed that this is the physician who apparently performed the surgery on MR. [redacted]. BCS does not represent, nor have we ever represented Dr. [redacted]
Our office have on numerous occasions provided Mr. [redacted] with debt verification explaining that the services we are attempting to collect are that of the Surgery Center where the surgery was performed and not for Dr. [redacted]
The current disposition, as of today, is Mr. [redacted]'s account is still due and owing as there has been no payment received regarding his account in our agency.
Should you have any additional questions, please don't hesitate to contact me personally.
Respectfully,
Initial Business Response /* (1000, 6, 2015/06/03) */
June 3, 2015
[redacted] Branch Manager
Denver/Boulder Revdex.com
1020 Cherokee St
Denver, CO XXXXX
Re: [redacted] # XXXXXXXX
Dear [redacted]
In response to the referenced consumer complaint Budget Control Services (BCS) offers...
the following response.
Mr. [redacted] accounts were reduced to a judgment in Adams County Court on November 9, 2007. As the judgment was never satisfied the case was revived on June 12, 2011. The balance due is the amount of the judgment plus costs and accrued interest pursuant to the award of the court.
When Mr. [redacted] contacted our office the methods of payment were explained to him.
At this time, the judgment remains unsatisfied.
Should you have any additional questions don't hesitate to contact me personally.
Respectfully,
June 3, 2015
[redacted] Branch Manager
Denver/Boulder Revdex.com
1020 Cherokee St
Denver, CO XXXXX
Re: [redacted] # XXXXXXXX
Dear [redacted]
In response to the referenced consumer complaint Budget Control Services (BCS) offers the following response.
Mr. [redacted] accounts were reduced to a judgment in Adams County Court on November 9, 2007. As the judgment was never satisfied the case was revived on June 12, 2011. The balance due is the amount of the judgment plus costs and accrued interest pursuant to the award of the court.
When Mr. [redacted] contacted our office the methods of payment were explained to him.
At this time, the judgment remains unsatisfied.
Should you have any additional questions don't hesitate to contact me personally.
Respectfully,
March 7, 2017 [redacted]
[redacted]
[redacted] Re: # [redacted] In response to the above referenced complaint of [redacted]...
[redacted]., (BCS) offers the following response: Ms. [redacted]’s account was assigned to BCS for collections, March 2, 2017. BCS denies, as Ms. [redacted] alleges, that our representative refused to identify herself or disclosed the nature of the call. Ms. [redacted] indicated in her complaint that she received services for her pet and is seeking restitution from a third party, [redacted]. Any arrangement Ms. [redacted] made with [redacted] does not relieve her of the financial responsibility for the services provided to her pet. The current disposition: Ms. [redacted] has paid her account in full with our agency. This matter was not reported to any credit reporting agencies. Should you have any additional questions, please don’t hesitate to contact me personally. Respectfully, [redacted]
[redacted] Tell us why here...