November 22, 2016Cincinnati Revdex.comAttn: [redacted]
[redacted]
[redacted]
[redacted]
[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to therebuttal submitted for complaint ID [redacted]. Our office received and reviewed thecorrespondence regarding the complainant and provides the following response:Our office has received correspondence submitted by the complainant via the consumer reportingagencies, which documented the information required to verify the complainant as our intendedparty and prevent the possibility of an unauthorized disclosure. We may now address thecomplainant’s concerns.On May 11, 2016, our client placed the complainant’s personal business matter in our office. OnMay 13, 2016, our office mailed an initial validation notice to the complainant’s address on file.As no mail return notice, nor response from the complainant was received, our company proceededto handle the personal business matter per our client’s policies. Our records indicate, despitemultiple contact efforts – both written and verbal – our office has not yet had the opportunity tospeak with the complainant. Our client was notified of the complainant’s documentation request;upon receipt of these documents, our office mailed the information to the complainant onNovember 21, 2016.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed 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 complaint and our response may be publiclyposted on the Revdex.com website; we have omitted all nonpublic, personal information from ourresponse.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. The response is rejected for several reasons: 1) As previously outlined in my original complaint- this business has never contacted me in any form. 2) The business response verified that only limited information was used to attempt to validate/ substantiate that this debt is mine. General Rev specifically said that " their client placed this account with a matching name." That statement further proves that this company did not thoroughly complete due diligence to ensure that they were ultimately damaging the current person's credit. Additionally, this company has attempted to totally misguide the objective of the original complaint that I placed. I am not asking for any publicly released information. I am asking that this company delete this information from all 3 credit reporting agencies and from their record, because it is obvious that they did not verify this debt. By the way, judging from the response it is a fine time to start to practicing the legal method of handling accounts.Again I have no knowledge of this debt, was never contacted - delete this debt from my credit file promptly.
Regards,
[redacted]
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]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Our client placed the consumer’s account with our office on October 22, 2014....
The trade line was reported to the three major credit reporting agencies after the account had remained with our office for sixty (60) days. After the client recalled the account from our office, we appropriately notified the credit reporting agencies to delete the trade line. We acknowledge the consumer communicated with our office on July 6, 2016. Upon review of the call recording, we find our representative accurately explained our credit reporting standards pertaining to this account. The consumer was notified the trade line would be removed from her credit reports as a result of the client’s account recall, the deletion would be completed no later than the 1st of the upcoming month, and the requested account status letter could not be generated as we no longer serviced the matter. Additionally, our records indicate the last letter our office mailed to the consumer was dated June 28, 2016. The letter was mailed prior to the account being closed from our office and before the July 6th conversation. In closing, we apologize for any misunderstanding. We have confirmed the trade line has been deleted resulting from the account being closed in our office due to the client’s account transfer. 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 find that this resolution is satisfactory to me.
Regards,
[redacted]
April 21, 2017Cincinnati 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...
received regardingthe complainant and provide the following response:While we understand the expressed concerns from the complainant; we are unable to disclose theinformation he is requesting as he is an unauthorized third party. Should his son contact ouroffice and grant permission to disclose information, our representatives would be glad to assistthe complainant with his questions.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.
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 response from General Revenue does not satisfy the issue at hand. The response contains fifteen (15) sentences: six (6) sentences contained a historical summation of the account (which included no new information) and one (1) sentence that directed me to contact the "client" about the matter. The remainder of the response was, well, legal babble and "fluff." It's a tad insulting to me that after I spent such a significant amount of time on dealing with this problem, all General Revenue did was send such a generic, and extremely unhelpful, response. That being said, the obvious question is what exactly did General Revenue do to help resolve the problem? No new information was given, no updates were offered, and the response questionably omitted any mention of my discussion with the supervisor at General Revenue. This is quite odd because that discussion was a pivotal point in the history; he was supposed to contact the client and return my call, which he did not. What happened with that situation? Why did that get left out of the response?The response at one point mentions that I should contact the "client" to discuss the issue, to which I reply, "Why?" The client is not doing the reporting, General Revenue is. The client would not have any access or ability or authority to update, change, delete, or take any other action on an account reporting to the credit bureaus by a third party; in this case, General Revenue. I've contacted the client; they told me the account would get deleted from my credit reports after I paid it. What else is there to discuss with them?As I already stated, if there is a conflict regarding the client telling consumers something contrary to what the agreement between the client and General Revenue states, then that is something that should be dealt with between the client and General Revenue. I don't need a lesson in credit reporting and the FDCPA; I'm well-enough up to speed on the ins and outs of that; what I need is some help, some answers.At this point, I'd like to know:What transpired with the supervisor contacting the client about the issue? Why was I not called-back? Why did this not get included in this response?Why would I contact the client about the problem when the problem is how General Revenue is reporting the debt? I need further explanation about this.Specifically, what steps have been taken by General Revenue to, at the very least, attempt to resolve this issue?
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.
I am confused in what General Revenue is saying, they have done nothing in protecting me. They threatened me when first established of this debt of damaging my credit if not paid. That was a male associate that called me and threatened me over this unpaid debt when it was unpaid. So I am confused why they (General Revenue) is saying that the protected 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 company in question has forwarded me an entire ledger of my finances while attending [redacted]. The very last page of this ledger / statement INCLUDES my last payment to [redacted] in the amount of $850. With this last payment made, the ledger / statement ends with a 0 balance, meaning, from an accountants stand point, I'm in good standing with [redacted] and owe no more debt. The company in question has failed to provide me clear proof to the debt I owe. The documentation is at home... I'm at work... and can - at a later time, scan the documents for your review in the next day or so. I currently work at [redacted] in San Jose, CA. as a Project Manager. I have no time to spend trying to extract proof of my debt to said company. I have spent far too many hours, days, weeks of my life on the phone when dealing with [redacted] and its various collection agencies. The company in question is the 4th collection agency I have dealt with, through [redacted] university and I am in the process of filing a court case with [redacted].
Regards,
[redacted]
See attached documentJuly 1, 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 to complaint#[redacted]. We received and...
reviewed the correspondence regarding the consumer and provide thefollowing response:Upon review of the file, records do not substantiate excessive calls or any intent to harass the consumer.As a matter of explanation, calls are intended to maintain an open line of communication to aideconsumers in resolving their accounts and remain up-to-date on the status of their obligation.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. Non-public information cannot be released until the party is authenticated.It should be noted that the consumer does not appear to understand the reason our representatives aretrying to speak with her. If the consumer would like further assistance, she may contact our office. Afterthe consumer verifies her identity (our business practice to protect consumer privacy) our representativeswill provide the consumer with any required information. Our office has mailed validationdocumentation to the consumer’s address of record.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. Wealso understand the Revdex.com may or may not publish the consumer’s complaint and our responses on theRevdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from being viewed bythird 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 theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by 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 have omitted allnonpublic, personal information regarding the consumer from our response
On January 18, 2013, our client placed an account in our office in the consumer’s name. The consumer paid the account in full on August 27, 2013. On September 01, 2013, our office notified the three major credit reporting agencies the consumer’s account was paid in full. It wasn’t until receipt of...
the consumer’s concerns expressed through your office that it was identified the credit reporting agencies did not update the consumer’s trade line as requested. In an effort to aid the consumer in this situation we requested the three major credit reporting agencies to delete our trade line from the consumer’s credit report. We thank the consumer for bringing this matter to our attention. The consumer needs to contact the client directly for a paid in full letter. 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.
It is not showing as a paid in full collection item as General Revenue is stating it is now showing as if they charged off the account and have a 180+ delinquency now. General Revenue never charged off my account. As stated I would be ok with them showing as a paid in full collection. However to move a open collection into a very delinquent charged off account after it was paid off is uncalled for and punishes those who try and right wrongs. From paying this and how they are now reporting it has dropped my credit score almost 40 points and makes me lose out on buying a home. This only shows and proves to avoid paying collections because you are worse of paying them. I am asking them to show this as a paid collection and remove the deli quincy and charged off statement as General Revenue never charged off my account or remove it as a good faith gesture. I have read through several off these Revdex.com reports and they have done this for people before who it doesn't even seem like they paid theor balance like I had. Again please change the reporting so I can move on with my life and not be continually punished for things I am trying to move on from.
Regards,
[redacted]
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: Upon review of the
file, we find that the consumer was asked to notify...
our company in writing that
he did not dispute the matter placed with our office in writing because our
office previously received notification from a consumer reporting agency that
the matter was disputed. To date, this is the only written correspondence we
have received from the consumer regarding the dispute disposition request. Our
office has determined this consumer’s written request through the Revdex.com will be
sufficient to retract the dispute disposition so that our company may now
facilitate a resolution to this matter. In this instance, our company will
submit an update to Equifax, Experian and Transunion requesting to remove the
disputed language from this consumer’s trade line. The consumer should
understand that satisfaction of the account will not remove the delinquent
trade from the consumer’s credit report. However, after paying off the balance,
the account status would be updated to reflect the debt is being reported as a
paid or settled collection account depending on what negotiated resolution our
client will approve for this consumer. Ultimately, Equifax, Experian, and
TransUnion will delete the account based on the Fair Credit Reporting Act
requirements and the date of delinquency we reported. 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 customer’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.]
Regards,
[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 March 30, 2016, our client placed the consumer’s account
with our office. At...
the time of placement, the initial validation notice was
sent to the consumer via regular mail. Our office has left one federally
compliant message on the consumer’s personal recording device, but has not had
the opportunity to discuss this matter with them. Upon review of the file, we ascertain no merit to
allegations raised by the consumer. Records do not substantiate harassment as
defined by Federal, State, and Local laws and regulations. As a matter of
explanation, calls are intended to maintain an open line of communication to
aide consumers in resolving their accounts and remain up-to-date on the status
of their account; these calls are not intended to harass. Any communication
intends to remind consumers of an obligation, help to avoid negative
consequences, and inform consumers about options for resolution. We will continue to send written correspondence regarding
the account to the established address in compliance with all Federal, State,
and Local laws and regulations. Additionally, provided the consumer grants us
permission to communicate with the consumer regarding the account via
telephone, the consumer may also call and speak with our office with any
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 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]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to ID[redacted]. We received and reviewed the concerned...
correspondence and provide the followingresponse:Upon review of the file matching the complainant’s address information, we do not find priornotification from the complainant indicating the mailing address or telephone number wasinvalid for the party with whom we wished to communicate. We had no reason to believe thecontact information provided by our client was incorrect.In conclusion, records do not substantiate excessive calls or harassment as defined by Federal,State, and local laws and regulations. If the complainant wishes to ensure we block his telephonenumber from being contacted, we ask that he contact our office and provide the specific phonenumber so that we may update our systems to avoid calling that number in the future.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. In addition, there may be other federal and/orstate 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.
June 22, 2016Cincinnati Revdex.com Attn: Emily7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 Complaint ID: [redacted] Dear Emily: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response:On February 15, 2016, our client placed the complainant’s debt in our office. Our representatives attempted to contact the complainant via telephone and regular mail. We were unable to speak with the complainant until she contacted our office on June 8, 2016. Our representative explained the status of the debt and we do not remove information reported to the consumer reporting agencies unless we deem the data as being inaccurate. On June 9, 2016, the debt was paid in full. On June 10, 2016, the account was returned to our client. On July 1, 2016, we will report the debt as paid in full-was a collection account, to the consumer reporting agencies. In accordance with the Fair Credit Reporting Act, a paid or settled in full account will remain on an active trade line for a period of time not to exceed seven (7) years from the date of delinquency. As the debt has been satisfied and the account closed, the complainant will need to address her concerns directly to our client. 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.The company in question has forwarded me an entire ledger of my finances while attending [redacted]. The very last page of this ledger / statement INCLUDES my last payment to [redacted] University in the amount of $850. With this last payment made, the ledger / statement ends with a 0 balance, meaning, from an accountants stand point, I'm in good standing with [redacted] and owe no more debt. The company in question has failed to provide me clear proof to the debt I owe. The documentation is at home... I'm at work... and can - at a later time, scan the documents for your review in the next day or so. I currently work at [redacted] in San Jose, CA. as a Project Manager. I have no time to spend trying to extract proof of my debt to said company. I have spent far too many hours, days, weeks of my life on the phone when dealing with [redacted] and its various collection agencies. The company in question is the 4th collection agency I have dealt with, through [redacted] and I am in the process of filing a court case with [redacted]. Regards,
[redacted]Attached is a document provided to me by General Revenue Corporation (GRC). In it is an explanation of the debt I owe (GRC), as well as all the finances associated to my time at [redacted] and [redacted]. The most important thing to note in this document can be found on page 4, line item, Sept 19, 2017, where I made a payment of $849.62. This payment brings my balance with [redacted] to 0 dollars. Had this payment not existed, I would accept the fact that I owe GRC the debt they are looking to collect. Unfortunately for GRC, they failed to explain where the debt I owe them came from, as well as failed to point out what specific line item in this ledger outlines the debt they are looking to collect.
July 27, 2016Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202Complaint ID [redacted]Dear [redacted],We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint ID [redacted]. We have received and reviewed the correspondence...
received regardingthe consumer and provide the following response:Upon receipt of the complainant’s concerns identified through the Revdex.com, we commenced aninternal investigation. The complaint included a single telephone number which we found tohave been called one time. Our systems have been programmed to prevent future outbound callsto the provided telephone number, as well as phone numbers believed to belong to thecomplainant. In the event the complainant receives calls to any number not provided in thecomplaint, we ask the complainant to notify us immediately so we can add system blocks forthose numbers as well.We appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the complainant’s privacy, and non-public information from beingviewed by third parties. In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the complainant in question. Therefore, because of thepossibility that the complaint and our response may be publicly posted on the Revdex.com website, wehave omitted all nonpublic, personal information regarding from our response.
November 22, 2016Cincinnati Revdex.comAttn: [redacted]
[redacted]
[redacted]
[redacted]
[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to therebuttal submitted for complaint ID [redacted]. Our office received and reviewed thecorrespondence regarding the complainant and provides the following response:Our office has received correspondence submitted by the complainant via the consumer reportingagencies, which documented the information required to verify the complainant as our intendedparty and prevent the possibility of an unauthorized disclosure. We may now address thecomplainant’s concerns.On May 11, 2016, our client placed the complainant’s personal business matter in our office. OnMay 13, 2016, our office mailed an initial validation notice to the complainant’s address on file.As no mail return notice, nor response from the complainant was received, our company proceededto handle the personal business matter per our client’s policies. Our records indicate, despitemultiple contact efforts – both written and verbal – our office has not yet had the opportunity tospeak with the complainant. Our client was notified of the complainant’s documentation request;upon receipt of these documents, our office mailed the information to the complainant onNovember 21, 2016.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed 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 complaint and our response may be publiclyposted on the Revdex.com website; we have omitted all nonpublic, personal information from ourresponse.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. The response is rejected for several reasons: 1) As previously outlined in my original complaint- this business has never contacted me in any form. 2) The business response verified that only limited information was used to attempt to validate/ substantiate that this debt is mine. General Rev specifically said that " their client placed this account with a matching name." That statement further proves that this company did not thoroughly complete due diligence to ensure that they were ultimately damaging the current person's credit. Additionally, this company has attempted to totally misguide the objective of the original complaint that I placed. I am not asking for any publicly released information. I am asking that this company delete this information from all 3 credit reporting agencies and from their record, because it is obvious that they did not verify this debt. By the way, judging from the response it is a fine time to start to practicing the legal method of handling accounts.Again I have no knowledge of this debt, was never contacted - delete this debt from my credit file promptly.
Regards,
[redacted]
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]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Our client placed the consumer’s account with our office on October 22, 2014....
The trade line was reported to the three major credit reporting agencies after the account had remained with our office for sixty (60) days. After the client recalled the account from our office, we appropriately notified the credit reporting agencies to delete the trade line. We acknowledge the consumer communicated with our office on July 6, 2016. Upon review of the call recording, we find our representative accurately explained our credit reporting standards pertaining to this account. The consumer was notified the trade line would be removed from her credit reports as a result of the client’s account recall, the deletion would be completed no later than the 1st of the upcoming month, and the requested account status letter could not be generated as we no longer serviced the matter. Additionally, our records indicate the last letter our office mailed to the consumer was dated June 28, 2016. The letter was mailed prior to the account being closed from our office and before the July 6th conversation. In closing, we apologize for any misunderstanding. We have confirmed the trade line has been deleted resulting from the account being closed in our office due to the client’s account transfer. 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 find that this resolution is satisfactory to me.
Regards,
[redacted]
April 21, 2017Cincinnati 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...
received regardingthe complainant and provide the following response:While we understand the expressed concerns from the complainant; we are unable to disclose theinformation he is requesting as he is an unauthorized third party. Should his son contact ouroffice and grant permission to disclose information, our representatives would be glad to assistthe complainant with his questions.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.
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 response from General Revenue does not satisfy the issue at hand. The response contains fifteen (15) sentences: six (6) sentences contained a historical summation of the account (which included no new information) and one (1) sentence that directed me to contact the "client" about the matter. The remainder of the response was, well, legal babble and "fluff." It's a tad insulting to me that after I spent such a significant amount of time on dealing with this problem, all General Revenue did was send such a generic, and extremely unhelpful, response. That being said, the obvious question is what exactly did General Revenue do to help resolve the problem? No new information was given, no updates were offered, and the response questionably omitted any mention of my discussion with the supervisor at General Revenue. This is quite odd because that discussion was a pivotal point in the history; he was supposed to contact the client and return my call, which he did not. What happened with that situation? Why did that get left out of the response?The response at one point mentions that I should contact the "client" to discuss the issue, to which I reply, "Why?" The client is not doing the reporting, General Revenue is. The client would not have any access or ability or authority to update, change, delete, or take any other action on an account reporting to the credit bureaus by a third party; in this case, General Revenue. I've contacted the client; they told me the account would get deleted from my credit reports after I paid it. What else is there to discuss with them?As I already stated, if there is a conflict regarding the client telling consumers something contrary to what the agreement between the client and General Revenue states, then that is something that should be dealt with between the client and General Revenue. I don't need a lesson in credit reporting and the FDCPA; I'm well-enough up to speed on the ins and outs of that; what I need is some help, some answers.At this point, I'd like to know:What transpired with the supervisor contacting the client about the issue? Why was I not called-back? Why did this not get included in this response?Why would I contact the client about the problem when the problem is how General Revenue is reporting the debt? I need further explanation about this.Specifically, what steps have been taken by General Revenue to, at the very least, attempt to resolve this issue?
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.
I am confused in what General Revenue is saying, they have done nothing in protecting me. They threatened me when first established of this debt of damaging my credit if not paid. That was a male associate that called me and threatened me over this unpaid debt when it was unpaid. So I am confused why they (General Revenue) is saying that the protected 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 company in question has forwarded me an entire ledger of my finances while attending [redacted]. The very last page of this ledger / statement INCLUDES my last payment to [redacted] in the amount of $850. With this last payment made, the ledger / statement ends with a 0 balance, meaning, from an accountants stand point, I'm in good standing with [redacted] and owe no more debt. The company in question has failed to provide me clear proof to the debt I owe. The documentation is at home... I'm at work... and can - at a later time, scan the documents for your review in the next day or so. I currently work at [redacted] in San Jose, CA. as a Project Manager. I have no time to spend trying to extract proof of my debt to said company. I have spent far too many hours, days, weeks of my life on the phone when dealing with [redacted] and its various collection agencies. The company in question is the 4th collection agency I have dealt with, through [redacted] university and I am in the process of filing a court case with [redacted].
Regards,
[redacted]
See attached documentJuly 1, 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 to complaint#[redacted]. We received and...
reviewed the correspondence regarding the consumer and provide thefollowing response:Upon review of the file, records do not substantiate excessive calls or any intent to harass the consumer.As a matter of explanation, calls are intended to maintain an open line of communication to aideconsumers in resolving their accounts and remain up-to-date on the status of their obligation.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. Non-public information cannot be released until the party is authenticated.It should be noted that the consumer does not appear to understand the reason our representatives aretrying to speak with her. If the consumer would like further assistance, she may contact our office. Afterthe consumer verifies her identity (our business practice to protect consumer privacy) our representativeswill provide the consumer with any required information. Our office has mailed validationdocumentation to the consumer’s address of record.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. Wealso understand the Revdex.com may or may not publish the consumer’s complaint and our responses on theRevdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from being viewed bythird 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 theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by 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 have omitted allnonpublic, personal information regarding the consumer from our response
On January 18, 2013, our client placed an account in our office in the consumer’s name. The consumer paid the account in full on August 27, 2013. On September 01, 2013, our office notified the three major credit reporting agencies the consumer’s account was paid in full. It wasn’t until receipt of...
the consumer’s concerns expressed through your office that it was identified the credit reporting agencies did not update the consumer’s trade line as requested. In an effort to aid the consumer in this situation we requested the three major credit reporting agencies to delete our trade line from the consumer’s credit report. We thank the consumer for bringing this matter to our attention. The consumer needs to contact the client directly for a paid in full letter. 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.
It is not showing as a paid in full collection item as General Revenue is stating it is now showing as if they charged off the account and have a 180+ delinquency now. General Revenue never charged off my account. As stated I would be ok with them showing as a paid in full collection. However to move a open collection into a very delinquent charged off account after it was paid off is uncalled for and punishes those who try and right wrongs. From paying this and how they are now reporting it has dropped my credit score almost 40 points and makes me lose out on buying a home. This only shows and proves to avoid paying collections because you are worse of paying them. I am asking them to show this as a paid collection and remove the deli quincy and charged off statement as General Revenue never charged off my account or remove it as a good faith gesture. I have read through several off these Revdex.com reports and they have done this for people before who it doesn't even seem like they paid theor balance like I had. Again please change the reporting so I can move on with my life and not be continually punished for things I am trying to move on from.
Regards,
[redacted]
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: Upon review of the
file, we find that the consumer was asked to notify...
our company in writing that
he did not dispute the matter placed with our office in writing because our
office previously received notification from a consumer reporting agency that
the matter was disputed. To date, this is the only written correspondence we
have received from the consumer regarding the dispute disposition request. Our
office has determined this consumer’s written request through the Revdex.com will be
sufficient to retract the dispute disposition so that our company may now
facilitate a resolution to this matter. In this instance, our company will
submit an update to Equifax, Experian and Transunion requesting to remove the
disputed language from this consumer’s trade line. The consumer should
understand that satisfaction of the account will not remove the delinquent
trade from the consumer’s credit report. However, after paying off the balance,
the account status would be updated to reflect the debt is being reported as a
paid or settled collection account depending on what negotiated resolution our
client will approve for this consumer. Ultimately, Equifax, Experian, and
TransUnion will delete the account based on the Fair Credit Reporting Act
requirements and the date of delinquency we reported. 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 customer’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.]
Regards,
[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 March 30, 2016, our client placed the consumer’s account
with our office. At...
the time of placement, the initial validation notice was
sent to the consumer via regular mail. Our office has left one federally
compliant message on the consumer’s personal recording device, but has not had
the opportunity to discuss this matter with them. Upon review of the file, we ascertain no merit to
allegations raised by the consumer. Records do not substantiate harassment as
defined by Federal, State, and Local laws and regulations. As a matter of
explanation, calls are intended to maintain an open line of communication to
aide consumers in resolving their accounts and remain up-to-date on the status
of their account; these calls are not intended to harass. Any communication
intends to remind consumers of an obligation, help to avoid negative
consequences, and inform consumers about options for resolution. We will continue to send written correspondence regarding
the account to the established address in compliance with all Federal, State,
and Local laws and regulations. Additionally, provided the consumer grants us
permission to communicate with the consumer regarding the account via
telephone, the consumer may also call and speak with our office with any
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 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]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to ID[redacted]. We received and reviewed the concerned...
correspondence and provide the followingresponse:Upon review of the file matching the complainant’s address information, we do not find priornotification from the complainant indicating the mailing address or telephone number wasinvalid for the party with whom we wished to communicate. We had no reason to believe thecontact information provided by our client was incorrect.In conclusion, records do not substantiate excessive calls or harassment as defined by Federal,State, and local laws and regulations. If the complainant wishes to ensure we block his telephonenumber from being contacted, we ask that he contact our office and provide the specific phonenumber so that we may update our systems to avoid calling that number in the future.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. In addition, there may be other federal and/orstate 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.
June 22, 2016Cincinnati Revdex.com Attn: Emily7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 Complaint ID: [redacted] Dear Emily: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response:On February 15, 2016, our client placed the complainant’s debt in our office. Our representatives attempted to contact the complainant via telephone and regular mail. We were unable to speak with the complainant until she contacted our office on June 8, 2016. Our representative explained the status of the debt and we do not remove information reported to the consumer reporting agencies unless we deem the data as being inaccurate. On June 9, 2016, the debt was paid in full. On June 10, 2016, the account was returned to our client. On July 1, 2016, we will report the debt as paid in full-was a collection account, to the consumer reporting agencies. In accordance with the Fair Credit Reporting Act, a paid or settled in full account will remain on an active trade line for a period of time not to exceed seven (7) years from the date of delinquency. As the debt has been satisfied and the account closed, the complainant will need to address her concerns directly to our client. 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.The company in question has forwarded me an entire ledger of my finances while attending [redacted]. The very last page of this ledger / statement INCLUDES my last payment to [redacted] University in the amount of $850. With this last payment made, the ledger / statement ends with a 0 balance, meaning, from an accountants stand point, I'm in good standing with [redacted] and owe no more debt. The company in question has failed to provide me clear proof to the debt I owe. The documentation is at home... I'm at work... and can - at a later time, scan the documents for your review in the next day or so. I currently work at [redacted] in San Jose, CA. as a Project Manager. I have no time to spend trying to extract proof of my debt to said company. I have spent far too many hours, days, weeks of my life on the phone when dealing with [redacted] and its various collection agencies. The company in question is the 4th collection agency I have dealt with, through [redacted] and I am in the process of filing a court case with [redacted]. Regards,
[redacted]Attached is a document provided to me by General Revenue Corporation (GRC). In it is an explanation of the debt I owe (GRC), as well as all the finances associated to my time at [redacted] and [redacted]. The most important thing to note in this document can be found on page 4, line item, Sept 19, 2017, where I made a payment of $849.62. This payment brings my balance with [redacted] to 0 dollars. Had this payment not existed, I would accept the fact that I owe GRC the debt they are looking to collect. Unfortunately for GRC, they failed to explain where the debt I owe them came from, as well as failed to point out what specific line item in this ledger outlines the debt they are looking to collect.
July 27, 2016Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202Complaint ID [redacted]Dear [redacted],We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint ID [redacted]. We have received and reviewed the correspondence...
received regardingthe consumer and provide the following response:Upon receipt of the complainant’s concerns identified through the Revdex.com, we commenced aninternal investigation. The complaint included a single telephone number which we found tohave been called one time. Our systems have been programmed to prevent future outbound callsto the provided telephone number, as well as phone numbers believed to belong to thecomplainant. In the event the complainant receives calls to any number not provided in thecomplaint, we ask the complainant to notify us immediately so we can add system blocks forthose numbers as well.We appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the complainant’s privacy, and non-public information from beingviewed by third parties. In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the complainant in question. Therefore, because of thepossibility that the complaint and our response may be publicly posted on the Revdex.com website, wehave omitted all nonpublic, personal information regarding from our response.