The complainant contacted our office on July 16, 2015, and advised us to cease all call attempts to her number. We immediately placed the complainant’s telephone number in a Do Not Call (DNC) status. Our call recordings do not show our representatives communicating with the complainant for any other...
purpose than to confirm or correct location information contained in our files. Our company had reason to believe this complainant could provide contact information for an individual we were attempting to communicate with. Upon receipt of the consumer’s concerns identified through Revdex.com, we verified the complainant's telephone number remains in a DNC status and programmed our system to not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.
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. However, as of march 24, 2018, there is no proof of the owing of this debt and no reason for the business to contact me as they have agreed above. I ask that the Revdex.com keep all means of communications open fro me in the future regarding this debt so that I may reach someone immediately for an immediate response if needed. Thank you in advance. Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The General Revenue Corporation has had plenty of time to state their case. I'd like to resolve the matter as soon as possible while leveraging the Better Business Bureua's oversight. I await their response here.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. My complaint was not addressed. I am not asking for disclosure of private matters.I specifically asked for the companies "general business practice" in cases where payment exceeded the amount owed (i.e. if a client overpaid, will the over payment be reimbursed back to the client?). Thus, I cannot accept the response since it does not provide explanation on why a "general business practice" (e.g. for over-payment) are considered private matters.
Regards,
[redacted]
April 9, 2018Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the correspondence regarding the consumer’sadditional concerns and provide the following response:We thank the consumer for communicating her satisfaction with our prior response and note thatour office mailed the validation documents she requested on March 27, 2018. As we described inour response dated March 8, 2018, when the validation documents are received, our office wouldforward to the consumer under separate cover. Those documents were forwarded as we advised.Furthermore, it should be noted that our investigation results show that prior allegations againstour company were unsubstantiated. Per ’The consumer’s request, we have ceased attempts tocontact her and consider this matter closed.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal informationregarding the consumer from our response.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
[redacted]
January 24, 2018Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the correspondence from your officeregarding the consumer and provide the following response:Conversations with our office are not intended to be threatening, but to make consumers awareof their financial obligations, as well as the ramifications of non-payment. Our objective is toassist consumers with resolving their obligations.According to account notes and a review of our recordings, we maintain that our representativeswere professional at all times and at no point during a conversation used inappropriatecommunication. The ‘protection’ referred to pertains to our office protecting the consumersidentity when issuing our response to the Revdex.com as we take care not to releaseany sensitive information. In addition, as previously stated, your account has been returned to theclient as of July 1, 2015. We suggest you contact the client with any further questions. Weconsider this matter closed.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition, there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that theCustomer’s complaint and our response may be publicly posted on the Revdex.com website; we haveomitted all nonpublic, personal information regarding the consumer from our response.
Due Revdex.com error we apologize that you were unable to view the response. Below please find response from GRC that was sent on 10/22/15.Dear [redacted]: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Upon receipt of the complainant’s concerns identified through Revdex.com, our systems have been programmed to prevent outbound calls to the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties.
We thank the RevDex.com (Revdex.com) for the opportunity to investigate and respond to
complaint ID [redacted]. We received and reviewed the correspondence from your
office regarding the consumer and provide the following response: On August 22, 2014, our client placed the consumer’s...
account
in our office for collection. On April 24, 2015, the consumer contacted our
office regarding payment options. The consumer chose to make biweekly payments
in the amount of $300, beginning on May 15, 2015, via automatic withdrawal from
her checking account. On April 24, 2015, the consumer contacted our office to
adjust her payment arrangement. The consumer changed her bi-weekly payment of
$300 to $150 beginning on May 15, 2015. On October 08, 2015, the consumer contacted
our office to make another adjustment to her payment arrangement. The consumer
changed her payments from occurring bi-weekly to being processed on the 16th
and last day of each month. At no point did our representatives inform the consumer her
wages would be garnished as a result of nonpayment. All payments made on this
account were authorized by the consumer; furthermore, a postdated payment
reminder letter was sent to the consumer via regular mail for the consumer’s
scheduled payments that were made to the account. We encourage the consumer to
contact our office directly with any further questions or concerns. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that
the consumer's complaint and our response may be publicly posted on the Revdex.com
website; we have omitted all nonpublic, personal information regarding the
consumer from our response.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The unauthorized party who made initial contact with the agency was my son, who cares for me. After running into difficulties trying to rectify the situation my son was spoke to a "manager" who was busy every time we tried to contact him after the first contact. Any sort of correspondence was never sent to my current address . No phone calls were made, no sort of contact ever made it to me. Considering my residence and phone number have not changed during the time they state they sent out letters I find this highly unlikely. Furthermore I contacted general revenue Corp by phone, with the help of my son, to give them permission to release my current account status to the credit agencies. On 10/11/16 I spoke with Christina, no last name given, who stated that even with my verbal consent they would not do this but would send out a letter stating that my account was paid in full. As of this date I still have not received any letter of any kind from them. After checking my own credit report recently I do see they have updated my account status. But in regards to any other steps they state were taken, I can state unequivocally that they are false.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The business indicates: "Upon review of the file, records do not substantiate excessive calls or any intent to harass the consumer." I would think one minute between call attempts is excessive when it was more than one time a day and several times a week. The company would not indicate who they were or what they wanted but yet wanted me to give my personal information to identify myself. If they would like to correspond then I request mail correspondence only. If it is agreed that no further phone contact will be made then please close the case.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
June 18, 2015Cincinnati Revdex.comAttn: [redacted]7 West 7th Street, Ste. 1600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We have received and reviewed the...
correspondence submitted regardingthe consumer and provide the following response:The telephone calls the complainant describes were attempts to contact a consumer with thesame last name. All phone calls were made in accordance with our internal policies. Our recordsdo not indicate we have permission to discuss this matter with the complainant. If thecomplainant believes this matter concerns him specifically, he can contact our office to properlyauthenticate his identity and our representatives will be happy to assist.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the customer’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.
January 23, 2018Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the correspondence...
regarding the consumerand provide the following response:The consumer’s expressed concerns were forwarded to our client upon receipt of this complaint.Our client indicates they have no record of receiving payment from the consumer regarding thisaccount, which has a balance of $1,055.50. The client reflects they received a payment of$849.62, however; it was not for the account in question. Should the consumer have supportingdocumentation, we urge him to forward this to our office for further review. This account is notcurrently being reported to the consumer’s credit report.A copy of the Promissory Note and payment ledger will be sent to the consumer under separatecover. We suggest the consumer contact the office to discuss arrangements so we may assistthem in resolution of this matter.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal informationregarding the consumer from our response.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
[redacted]
Dear [redacted]: We thank the Revdex.com (Revdex.com) for
the opportunity to investigate and respond to complaint #[redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: On May 12, 2016, our company sent notice to the consumer
reporting agencies to have the complainant’s negative trade line removed
pending our client’s thirty-day validation period. This thirty-day validation
period was initiated on April 20, 2016, after our company reissued an initial
validation notice to the complainant’s address provided on the original
complaint correspondence submitted through your office. To date, no mail return
notifications have been received for this correspondence. On May 13, 2016, the complainant contacted our office and
agreed to set up a payment arrangement on the account. If the account is not
resolved in full prior to the expiration of the validation period, the
complainant’s credit report will be updated to reflect the disputed loan(s) as
follows: Completed
investigation of FCRA dispute — consumer disagrees This narrative will
be reflected on the complainant’s credit report for each open account included
in the complainant’s dispute and will be included with our next update to the
consumer reporting agencies on June 1, 2016. If the complainant wishes to have
this narrative removed from the credit report, she is encouraged to write to us
at [redacted]. This correspondence should
include the complainant’s name, address, account/loan number(s), and indicate
the complainant’s wish to have the dispute narrative removed from the credit
report. The previously requested validation documents, which were
sent on April 20, 2016, along with an initial validation notice, should have
already been received by the complainant. If these documents were not received,
the complainant is encouraged to contact our office, at [redacted], so we may
assist her in updating the information on file and resolving this matter. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that
the consumer’s complaint and our response may be publicly posted on the Revdex.com
website, we have omitted all nonpublic, personal information regarding the
consumer from our response.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint numbered [redacted]. We
received and reviewed the correspondence regarding the consumer and provide the
following response: As stated in our response to the consumer’s concerns dated
March 21, 2016: On January 7, 2016, our client placed the consumer’s account
within our office. On January 8, 2016, we mailed the initial validation
correspondence to the consumer’s address placed with the account. We have had no
contact with the consumer. Upon notification through your office, we documented
the consumer’s dispute and ceased efforts to contact the consumer. Our office requested Itemization of Charges from the client
and upon receipt on March 11,2016, mailed copies to the consumer. Our office
has not received any Identity Theft report from any consumer reporting agency
related to this matter. The consumer should forward to our office any documents
to support her dispute and any police report the consumer has obtained that
relates to the matter in our office. Our office will expediently forward all
documents received to the client, and initiate further investigation. The
consumer has not communicated any specific information related to his dispute
or the police report he is describing. This account is not scheduled to be
reported to credit agencies until June 1, 2016. At that time, without
additional documents from the consumer, the account will be reported as a
disputed account. We encourage the consumer to contact our office to assist in
resolving this matter. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the creditor,
or the attorney of the debt collector.” In addition, there may be other federal
and/or state privacy laws that apply to release of information regarding the
consumer in question. Therefore, because of the possibility that the consumer’s
complaint and our response may be publicly posted on the Revdex.com website, we have
omitted all nonpublic, personal information regarding the consumer from our
response.
July 06, 2016 Cincinnati Revdex.com Attn: [redacted] 1 East 4th Street, Suite 600 Cincinnati, OH 45202 Complaint ID: [redacted] Dear [redacted]: We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We have
received and reviewed the...
correspondence received regarding the consumer and
provide the following response: Upon receipt of the complainant’s concerns identified
through Revdex.com, our systems have been programmed not to dial the phone number in
the future. We appreciate notification of the matter and apologize for any
inconvenience. We agree it is our responsibility to attempt to resolve consumer
complaints presented to the Revdex.com. We also understand the Revdex.com may or may not
publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt, with
any person other than the consumer, his attorney, a consumer reporting agency
if otherwise permitted by law, the creditor, the attorney of the creditor, or
the attorney of the debt collector.” In addition, there may be other federal
and/or state privacy laws that apply to release of information regarding the
consumer in question. Therefore, because of the possibility that the consumer’s
complaint and our response may be publicly posted on the Revdex.com website, we have
omitted all nonpublic, personal information regarding the consumer from our
response.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and to my knowledge, the business has ceased attempting to contact me. However, they did contact my employer who told them that they did not have the correct personal identification information for me.I assume that this business is attempting to collect a debt owed by someone with a similar or same name as mine. Now that General Revenue Corp has been told by my employer that their records are wrong, I hope I assume correctly that they will cease contacting me.I also assume the phone conversation was recorded by GRC. In the phone conversation, it's easily seen that the employees were argumentative with me on the phone. I will also point out again that they did not follow correct and legal debt collection procedures.I welcome the Revdex.com to ask for the transcript of that call.
Regards,
[redacted]
July 28, 2016Cincinnati Revdex.com[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We have received and reviewed the...
correspondence regarding thecomplainant and provide the following response:Our office called the complainant’s phone number in an attempt to reach someone with a similarname as the consumer. Until the receipt of the complainant’s concerns through your office, wewere unaware the number being dialed was incorrect.Upon receipt of the complainant’s concerns, our systems were programmed not to dial the phonenumber. We appreciate notification of the matter and apologize for any inconvenience this mattermay have caused.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the consumer’s complaint and ourresponse may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.
The complainant contacted our office on July 16, 2015, and advised us to cease all call attempts to her number. We immediately placed the complainant’s telephone number in a Do Not Call (DNC) status. Our call recordings do not show our representatives communicating with the complainant for any other...
purpose than to confirm or correct location information contained in our files. Our company had reason to believe this complainant could provide contact information for an individual we were attempting to communicate with. Upon receipt of the consumer’s concerns identified through Revdex.com, we verified the complainant's telephone number remains in a DNC status and programmed our system to not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.
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. However, as of march 24, 2018, there is no proof of the owing of this debt and no reason for the business to contact me as they have agreed above. I ask that the Revdex.com keep all means of communications open fro me in the future regarding this debt so that I may reach someone immediately for an immediate response if needed. Thank you in advance. Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The General Revenue Corporation has had plenty of time to state their case. I'd like to resolve the matter as soon as possible while leveraging the Better Business Bureua's oversight. I await their response here.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. My complaint was not addressed. I am not asking for disclosure of private matters.I specifically asked for the companies "general business practice" in cases where payment exceeded the amount owed (i.e. if a client overpaid, will the over payment be reimbursed back to the client?). Thus, I cannot accept the response since it does not provide explanation on why a "general business practice" (e.g. for over-payment) are considered private matters.
Regards,
[redacted]
April 9, 2018Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the correspondence regarding the consumer’sadditional concerns and provide the following response:We thank the consumer for communicating her satisfaction with our prior response and note thatour office mailed the validation documents she requested on March 27, 2018. As we described inour response dated March 8, 2018, when the validation documents are received, our office wouldforward to the consumer under separate cover. Those documents were forwarded as we advised.Furthermore, it should be noted that our investigation results show that prior allegations againstour company were unsubstantiated. Per ’The consumer’s request, we have ceased attempts tocontact her and consider this matter closed.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal informationregarding the consumer from our response.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
[redacted]
January 24, 2018Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the correspondence from your officeregarding the consumer and provide the following response:Conversations with our office are not intended to be threatening, but to make consumers awareof their financial obligations, as well as the ramifications of non-payment. Our objective is toassist consumers with resolving their obligations.According to account notes and a review of our recordings, we maintain that our representativeswere professional at all times and at no point during a conversation used inappropriatecommunication. The ‘protection’ referred to pertains to our office protecting the consumersidentity when issuing our response to the Revdex.com as we take care not to releaseany sensitive information. In addition, as previously stated, your account has been returned to theclient as of July 1, 2015. We suggest you contact the client with any further questions. Weconsider this matter closed.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition, there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that theCustomer’s complaint and our response may be publicly posted on the Revdex.com website; we haveomitted all nonpublic, personal information regarding the consumer from our response.
Due Revdex.com error we apologize that you were unable to view the response. Below please find response from GRC that was sent on 10/22/15.Dear [redacted]: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Upon receipt of the complainant’s concerns identified through Revdex.com, our systems have been programmed to prevent outbound calls to the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties.
We thank the RevDex.com (Revdex.com) for the opportunity to investigate and respond to
complaint ID [redacted]. We received and reviewed the correspondence from your
office regarding the consumer and provide the following response: On August 22, 2014, our client placed the consumer’s...
account
in our office for collection. On April 24, 2015, the consumer contacted our
office regarding payment options. The consumer chose to make biweekly payments
in the amount of $300, beginning on May 15, 2015, via automatic withdrawal from
her checking account. On April 24, 2015, the consumer contacted our office to
adjust her payment arrangement. The consumer changed her bi-weekly payment of
$300 to $150 beginning on May 15, 2015. On October 08, 2015, the consumer contacted
our office to make another adjustment to her payment arrangement. The consumer
changed her payments from occurring bi-weekly to being processed on the 16th
and last day of each month. At no point did our representatives inform the consumer her
wages would be garnished as a result of nonpayment. All payments made on this
account were authorized by the consumer; furthermore, a postdated payment
reminder letter was sent to the consumer via regular mail for the consumer’s
scheduled payments that were made to the account. We encourage the consumer to
contact our office directly with any further questions or concerns. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that
the consumer's complaint and our response may be publicly posted on the Revdex.com
website; we have omitted all nonpublic, personal information regarding the
consumer from our response.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The unauthorized party who made initial contact with the agency was my son, who cares for me. After running into difficulties trying to rectify the situation my son was spoke to a "manager" who was busy every time we tried to contact him after the first contact. Any sort of correspondence was never sent to my current address . No phone calls were made, no sort of contact ever made it to me. Considering my residence and phone number have not changed during the time they state they sent out letters I find this highly unlikely. Furthermore I contacted general revenue Corp by phone, with the help of my son, to give them permission to release my current account status to the credit agencies. On 10/11/16 I spoke with Christina, no last name given, who stated that even with my verbal consent they would not do this but would send out a letter stating that my account was paid in full. As of this date I still have not received any letter of any kind from them. After checking my own credit report recently I do see they have updated my account status. But in regards to any other steps they state were taken, I can state unequivocally that they are false.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The business indicates: "Upon review of the file, records do not substantiate excessive calls or any intent to harass the consumer." I would think one minute between call attempts is excessive when it was more than one time a day and several times a week. The company would not indicate who they were or what they wanted but yet wanted me to give my personal information to identify myself. If they would like to correspond then I request mail correspondence only. If it is agreed that no further phone contact will be made then please close the case.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
June 18, 2015Cincinnati Revdex.comAttn: [redacted]7 West 7th Street, Ste. 1600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We have received and reviewed the...
correspondence submitted regardingthe consumer and provide the following response:The telephone calls the complainant describes were attempts to contact a consumer with thesame last name. All phone calls were made in accordance with our internal policies. Our recordsdo not indicate we have permission to discuss this matter with the complainant. If thecomplainant believes this matter concerns him specifically, he can contact our office to properlyauthenticate his identity and our representatives will be happy to assist.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the customer’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.
January 23, 2018Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We received and reviewed the correspondence...
regarding the consumerand provide the following response:The consumer’s expressed concerns were forwarded to our client upon receipt of this complaint.Our client indicates they have no record of receiving payment from the consumer regarding thisaccount, which has a balance of $1,055.50. The client reflects they received a payment of$849.62, however; it was not for the account in question. Should the consumer have supportingdocumentation, we urge him to forward this to our office for further review. This account is notcurrently being reported to the consumer’s credit report.A copy of the Promissory Note and payment ledger will be sent to the consumer under separatecover. We suggest the consumer contact the office to discuss arrangements so we may assistthem in resolution of this matter.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal informationregarding the consumer from our response.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
[redacted]
Dear [redacted]: We thank the Revdex.com (Revdex.com) for
the opportunity to investigate and respond to complaint #[redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: On May 12, 2016, our company sent notice to the consumer
reporting agencies to have the complainant’s negative trade line removed
pending our client’s thirty-day validation period. This thirty-day validation
period was initiated on April 20, 2016, after our company reissued an initial
validation notice to the complainant’s address provided on the original
complaint correspondence submitted through your office. To date, no mail return
notifications have been received for this correspondence. On May 13, 2016, the complainant contacted our office and
agreed to set up a payment arrangement on the account. If the account is not
resolved in full prior to the expiration of the validation period, the
complainant’s credit report will be updated to reflect the disputed loan(s) as
follows: Completed
investigation of FCRA dispute — consumer disagrees This narrative will
be reflected on the complainant’s credit report for each open account included
in the complainant’s dispute and will be included with our next update to the
consumer reporting agencies on June 1, 2016. If the complainant wishes to have
this narrative removed from the credit report, she is encouraged to write to us
at [redacted]. This correspondence should
include the complainant’s name, address, account/loan number(s), and indicate
the complainant’s wish to have the dispute narrative removed from the credit
report. The previously requested validation documents, which were
sent on April 20, 2016, along with an initial validation notice, should have
already been received by the complainant. If these documents were not received,
the complainant is encouraged to contact our office, at [redacted], so we may
assist her in updating the information on file and resolving this matter. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that
the consumer’s complaint and our response may be publicly posted on the Revdex.com
website, we have omitted all nonpublic, personal information regarding the
consumer from our response.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint numbered [redacted]. We
received and reviewed the correspondence regarding the consumer and provide the
following response: As stated in our response to the consumer’s concerns dated
March 21, 2016: On January 7, 2016, our client placed the consumer’s account
within our office. On January 8, 2016, we mailed the initial validation
correspondence to the consumer’s address placed with the account. We have had no
contact with the consumer. Upon notification through your office, we documented
the consumer’s dispute and ceased efforts to contact the consumer. Our office requested Itemization of Charges from the client
and upon receipt on March 11,2016, mailed copies to the consumer. Our office
has not received any Identity Theft report from any consumer reporting agency
related to this matter. The consumer should forward to our office any documents
to support her dispute and any police report the consumer has obtained that
relates to the matter in our office. Our office will expediently forward all
documents received to the client, and initiate further investigation. The
consumer has not communicated any specific information related to his dispute
or the police report he is describing. This account is not scheduled to be
reported to credit agencies until June 1, 2016. At that time, without
additional documents from the consumer, the account will be reported as a
disputed account. We encourage the consumer to contact our office to assist in
resolving this matter. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the creditor,
or the attorney of the debt collector.” In addition, there may be other federal
and/or state privacy laws that apply to release of information regarding the
consumer in question. Therefore, because of the possibility that the consumer’s
complaint and our response may be publicly posted on the Revdex.com website, we have
omitted all nonpublic, personal information regarding the consumer from our
response.
July 06, 2016 Cincinnati Revdex.com Attn: [redacted] 1 East 4th Street, Suite 600 Cincinnati, OH 45202 Complaint ID: [redacted] Dear [redacted]: We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We have
received and reviewed the...
correspondence received regarding the consumer and
provide the following response: Upon receipt of the complainant’s concerns identified
through Revdex.com, our systems have been programmed not to dial the phone number in
the future. We appreciate notification of the matter and apologize for any
inconvenience. We agree it is our responsibility to attempt to resolve consumer
complaints presented to the Revdex.com. We also understand the Revdex.com may or may not
publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt, with
any person other than the consumer, his attorney, a consumer reporting agency
if otherwise permitted by law, the creditor, the attorney of the creditor, or
the attorney of the debt collector.” In addition, there may be other federal
and/or state privacy laws that apply to release of information regarding the
consumer in question. Therefore, because of the possibility that the consumer’s
complaint and our response may be publicly posted on the Revdex.com website, we have
omitted all nonpublic, personal information regarding the consumer from our
response.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and to my knowledge, the business has ceased attempting to contact me. However, they did contact my employer who told them that they did not have the correct personal identification information for me.I assume that this business is attempting to collect a debt owed by someone with a similar or same name as mine. Now that General Revenue Corp has been told by my employer that their records are wrong, I hope I assume correctly that they will cease contacting me.I also assume the phone conversation was recorded by GRC. In the phone conversation, it's easily seen that the employees were argumentative with me on the phone. I will also point out again that they did not follow correct and legal debt collection procedures.I welcome the Revdex.com to ask for the transcript of that call.
Regards,
[redacted]
July 28, 2016Cincinnati Revdex.com[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We have received and reviewed the...
correspondence regarding thecomplainant and provide the following response:Our office called the complainant’s phone number in an attempt to reach someone with a similarname as the consumer. Until the receipt of the complainant’s concerns through your office, wewere unaware the number being dialed was incorrect.Upon receipt of the complainant’s concerns, our systems were programmed not to dial the phonenumber. We appreciate notification of the matter and apologize for any inconvenience this mattermay have caused.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the consumer’s complaint and ourresponse may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.