Chapman Financial Services

Dear Mr***, In response to Mr [redacted] complaint, Chapman Financial Services has not used automated messaging in over yearsOur office searched our entire database and we are not able to locate the phone number that Mr [redacted] provided We recenetly learned from other individuals that automated messages are being left from an individual or entity claiming to be from "Chapman Financial" and are being asked to pay debts that may or may not be validIn Addition, Mr [redacted] , the individuals are not found in our database and are outside of our area The caller ID information that we are able to obtain from one of the individuals is a phone number that is not owned by our company and when we attempt to call the phone number, we receive an error message Chapman Financial Services has notified the FTC and also the Idaho Department of Finance of the fictitious calls that are being made If you have any questions, please do not hesitate to contact me Sincerely yours, Vinetta O***

In response to Mr [redacted] 's complaint, Chapman Financial Services received a ceasecommunication request on March 12, along with a request for validation of debt Our offices mailed validation to Mr [redacted] on April 8, and as a courtesy removedthe accounts from Mr [redacted] 's credit report The confirmation numbers of the deletion were # [redacted] , # [redacted] , and # [redacted] .No further communication has been made to Mr [redacted] nor any other party regarding thismatter If you have any questions, please do not hesitate to contact me.Sincerely yours, Vinetta O [redacted] Department

In response to Ms [redacted] 's complaint, Chapman Financial Services received an initialdispute from Ms [redacted] on March 28, Our client responded to Ms [redacted] 'sdispute by supplying a written response, a copy of the signed agreement, and anitemization of the chargesA copy of these items were mailed to Ms [redacted] on April 7, Chapman Financial Services received a second dispute from Mr [redacted] on April 25,and our office again supplied the dispute to our clientThe response that wereceived from our client still confirmed that the debt is validA copy of the response wasmailed to Ms [redacted] on May 5, 2016.Until Ms [redacted] no longer disputes the debt, the account it will continue to be reportedas a disputed account on her Trans Union and Equifax credit files.If you have any questions, please do not hesitate to contact me

Please see the attached response to complaint ID # [redacted] RE: ID # [redacted] Dear Mr. ***, In response to Mrs. [redacted] complaint, our records indicate that our office notified both TransUnion and Equifax that the account was paid in full on April15, 2015. Our office does not report with... Experian. As a courtesy to Mrs. [redacted] a request has been submitted to both TransUnion and Equifax to delete the account from her credit. The confirmation number that we received is # [redacted] . A deletion letter has also been mailed to Mrs. [redacted] . If you have any questions, please do not hesitate to contact me. Sincerely yours,

Please see the attached document.In response to [redacted] complaint, Chapman Financial Services charges interest at the rate of 12% per annum based on the principle balance owed.The following is a breakdown of the interest that was charged to [redacted] ***.? Days7/3/- 7/13/20177/13/- 8/18/2017? Daily Interest IntCharged9.30374137$ 15.17? Principle Balance Owed$ 1,786.08$ 786.08Interest Charged? The explanation that was originally provided to [redacted] was not explained properly, therefore, as a courtesy to [redacted] ***, Chapman Financial Services has requested $be returned to his cardPlease allow 7-days for the credit to be posted.Please feel free to contact me if I may be of further assistance

Dear Mr***,
In response to Mr*** complaint, Chapman Financial Services has not used automated messaging in over yearsOur office searched our entire database and we are not able to locate the phone number that Mr*** provided.
We recenetly learned from other individuals
that automated messages are being left from an individual or entity claiming to be from "Chapman Financial" and are being asked to pay debts that may or may not be validIn Addition, Mr***, the individuals are not found in our database and are outside of our area
The caller ID information that we are able to obtain from one of the individuals is a phone number that is not owned by our company and when we attempt to call the phone number, we receive an error message
Chapman Financial Services has notified the FTC and also the Idaho Department of Finance of the fictitious calls that are being made.
If you have any questions, please do not hesitate to contact me
Sincerely yours,
Vinetta O***

In response to Ms***' complaint, Ms*** entered into a contract with ouroffice on May 17, for the purpose of collecting her outstanding debts.Paragraph of said contract states the following: "Assignment of Accounts: Client, at itssole discretion, will turn over and assign
delinquent accounts to CollectorCollector shallprovide collection services on each account assigned by ClientClient warrants that eachaccount assigned to Collector has not been paid in full and is delinquentClient agreesthat each account is assigned the moment it is listed with collector, either throughelectronic or paper meansThe parties expressly agree that Collector is entitled to itscommission rate on all monies received by either Client or collector after an account hasbeen assigned to Collector."Ms*** accepted a settlement on one of the accounts that was assigned to our officein February and our office billed Ms*** per the sentenced underlined above.Ms*** has since resolved the outstanding invoice.Ms*** requested that her accounts be returned to her in May ofand our officecomplied with this request

Please see the attached response to complaint ID #***
RE: ID #*** Dear Mr***, In response to Mrs*** complaint, our records indicate that our office notified both TransUnion and Equifax that the account was paid in full on April15, Our office does not report with
ExperianAs a courtesy to Mrs*** a request has been submitted to both TransUnion and Equifax to delete the account from her creditThe confirmation number that we received is #***A deletion letter has also been mailed to Mrs***If you have any questions, please do not hesitate to contact meSincerely yours,

In response to Ms***'s complaint, Chapman Financial Services received an initialdispute from Ms*** on March 28, Our client responded to Ms***'sdispute by supplying a written response, a copy of the signed agreement, and anitemization of the chargesA copy of these items were
mailed to Ms*** on April 7,
Chapman Financial Services received a second dispute from Mr*** on April 25,and our office again supplied the dispute to our clientThe response that wereceived from our client still confirmed that the debt is validA copy of the response wasmailed to Ms*** on May 5, 2016.Until Ms*** no longer disputes the debt, the account it will continue to be reportedas a disputed account on her Trans Union and Equifax credit files.If you have any questions, please do not hesitate to contact me

In response to Mr***'s complaint, Chapman Financial Services received a ceasecommunication request on March 12, along with a request for validation of debt
Our offices mailed validation to Mr*** on April 8, and as a courtesy removedthe accounts from Mr***'s credit
report
The confirmation numbers of the deletion were #***, #***, and #***.No further communication has been made to Mr*** nor any other party regarding thismatter
If you have any questions, please do not hesitate to contact me.Sincerely yours,
Vinetta O*** Department

Please see the attached document.In response to *** *** complaint, Chapman Financial Services charges interest at the rate of 12% per annum based on the principle balance owed.The following is a breakdown of the interest that was charged to *** ***.? Days7/3/- 7/13/20177/13/-
8/18/2017? Daily Interest IntCharged9.30374137$ 15.17? Principle Balance Owed$ 1,786.08$ 786.08Interest Charged? The explanation that was originally provided to *** *** was not explained properly, therefore, as a courtesy to *** ***, Chapman Financial Services has requested $be returned to his cardPlease allow 7-days for the credit to be posted.Please feel free to contact me if I may be of further assistance

Dear Mr. [redacted],
In response to Mr. [redacted] complaint, Chapman Financial Services has not used automated messaging in over 2 years. Our office searched our entire database and we are not able to locate the phone number that Mr. [redacted] provided. 
We recenetly learned from other individuals...

that automated messages are being left from an individual or entity claiming to be from "Chapman Financial" and are being asked to pay debts that may or may not be valid. In Addition, Mr. [redacted], the individuals are not found in our database and are outside of our area.
The caller ID information that we are able to obtain from one of the individuals is a phone number that is not owned by our company and when we attempt to call the phone number, we receive an error message.
Chapman Financial Services has notified the FTC and also the Idaho Department of Finance of the fictitious calls that are being made. 
If you have any questions, please do not hesitate to contact me.
 
Sincerely yours,
Vinetta O[redacted]

Please see the attached response to complaint ID #[redacted]
RE: ID #[redacted] Dear Mr. [redacted], In response to Mrs. [redacted] complaint, our records indicate that our office notified both TransUnion and Equifax that the account was paid in full on April15, 2015. Our office does not report with...

Experian. As a courtesy to Mrs. [redacted] a request has been submitted to both TransUnion and Equifax to delete the account from her credit. The confirmation number that we received is #[redacted]. A deletion letter has also been mailed to Mrs. [redacted]. If you have any questions, please do not hesitate to contact me. Sincerely yours,

In response to Mr. [redacted]'s complaint, Chapman Financial Services received a ceasecommunication request on March 12, 2016 along with a request for validation of debt.
Our offices mailed validation to Mr. [redacted] on April 8, 2016 and as a courtesy removedthe accounts from Mr. [redacted]'s credit...

report.
The confirmation numbers of the deletion were #[redacted], #[redacted], and #[redacted].No further communication has been made to Mr. [redacted] nor any other party regarding thismatter.
If you have any questions, please do not hesitate to contact me.Sincerely yours,
Vinetta O[redacted] Department

In response to Ms. [redacted]'s complaint, Chapman Financial Services received an initialdispute from Ms. [redacted] on March 28, 2016. Our client responded to Ms. [redacted]'sdispute by supplying a written response, a copy of the signed agreement, and anitemization of the charges. A copy of these items were...

mailed to Ms. [redacted] on April 7,2016.
Chapman Financial Services received a second dispute from Mr. [redacted] on April 25,2016 and our office again supplied the dispute to our client. The response that wereceived from our client still confirmed that the debt is valid. A copy of the response wasmailed to Ms. [redacted] on May 5, 2016.Until Ms. [redacted] no longer disputes the debt, the account it will continue to be reportedas a disputed account on her Trans Union and Equifax credit files.If you have any questions, please do not hesitate to contact me.