February 8, 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:We appreciate the consumer’s expressed concerns, however; to better assist the consumer withhis concerns, our office suggests that he contacts the client directly for further assistance. Weconsider 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.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint # [redacted]. We have
received and reviewed the correspondence received regarding the consumer and
provide the following response: In attempts to
contact a consumer, our office contacted the...
complainant via telephone. On
March 23, 2016, our representative spoke with the complainant. During the
conversation, our representative advised the complainant our office had not
previously spoken with anyone at that telephone number and the telephone number
was marked as a do not call. We apologize for any inconvenience this matter may
have caused. 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.
Cincinnati Revdex.com
1 East 4th Street, Ste 600
Cincinnati, OH 45202
Complaint Number: [redacted]
Dear Better [redacted]:
I am rejecting the company’s response, because it does not
address my dispute in its entirety. I made it very clear that I had no
knowledge of this company nor the debt that was reported to the Credit Bureau
as a collections item. The company indicated that they had not been able to
reach me and that they had not had the opportunity to discuss the account, yet
the company failed to address my request for removal of the item from my credit
report considering the item, unbeknownst to me, was reported to the credit bureau
in the first place without me first having had the opportunity to address the
matter. Once I have received and reviewed the validation documents, and it is
determined that the debt does belong to me, I will agree to compromise the
indebtedness due the CREDITOR as long as the item is completely removed from my
credit report/file.
Regards,
[redacted]
September 28, 2017 Cincinnati 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 have received and reviewed the...
correspondence received regardingthe complainant, and provide the following response:Upon receipt of the complainant’s concerns identified through the Revdex.com, our systems have beenprogrammed not to dial the phone numbers in the future. Per the complainant’s request, we havecease all attempts to contact her. We appreciate notification of the complainant’s concerns andapologize for any inconvenience this matter may 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. 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 customer’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.
January 5, 2016Cincinnati 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 to complaint#[redacted]. We reviewed correspondence regarding the consumer...
and provide the following response:On September 14th and 16th, 2015, an individual contacted our office for information but would notconfirm that his identity matched our consumer’s record; therefore, our representatives were unable tofully address his concerns and could not provide him with the requested validation documents that containnonpublic personal information. Although our representative was unable to confirm the identity of theindividual disputing the debt owed at that time, the consumer’s account was placed in a dispute statuspending further validation.The dispute indicator was transmitted to the Credit Reporting Agencies on 12/01/15 when the initialreporting occurred on this account. On December 4, 2015, the individual contacted our office again andconfirmed his identity matched our consumer's record. Our management staff then worked diligently toprovide the consumer with all available validation documents pertaining to his account. The consumerdisputed the debt owed, but he wished to pay the balance in full. The consumer also wanted confirmationthat if the balance was paid in full, our company would then remove the negative mark from his creditbureau report. Unfortunately, the consumer was not offering to pay the balance using a method ofpayment accepted by our company. Under these circumstances, we would not remove the informationfrom the consumer's credit reports but can update the information reported to state the account was paid infull. On January 4, 2016, our client notified our company that the consumer’s account had been paid infull. The consumer’s account has been closed from our office and will be updated with the creditreporting agencies on February 1, 2016 as paid in full.Upon review of the file, records indicate our representatives behaved in a calm and professional mannerduring each communication with the consumer. By signing the Promissory Note, the consumer agreed tothe terms regarding principal, interest, and penalty charges assessed to the account. When signing theapplications, the consumer indicated reading and agreeing to the terms of the Promissory Notes and ouroffice is unable adjust the terms.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 the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint # [redacted]. We have
received and reviewed the correspondence received regarding the complainant and
provide the following response: Upon receipt of the complainant’s concerns identified
through...
your office, 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.
February 7, 2017Cincinnati Revdex.com[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint ID [redacted]. We received and reviewed the...
correspondence regarding the accountand provide the following response:We understand the complainant wishes to prevent calls to a telephone number ending in [redacted].Upon receipt of the complainant’s concerns our office placed a system block on thecomplainant’s telephone number for all facilities.Regarding the complaint’s concern of texts from our office, there have been no text messages tothe number ending in [redacted].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 consumer’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.
February 14, 2017Cincinnati 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 tofile number [redacted]. We received and reviewed the correspondence...
regarding the consumerand provide the following response:Thank you for expressing your concerns to our office. We have investigated your complaint andalso documented your written directions with respect to communication regarding your account.Our office does wish to provide assistance and we invite you to contact us directly. Our calls arenot intended to harass and our record does not show harassing behavior or a pattern of calls thatexhibit an intention to harass. However, we also understand your specified needs concerningcommunication and we sincerely wish to help you resolve the matter with our office at the mostconvenient time to you. We can offer you a scheduled appointment.We will continue to send written correspondence regarding the account to the established addressin compliance with all Federal, State, and Local laws and regulations. Additionally, theconsumer 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 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 theconsumer’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.
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]
July 12, 2016 Cincinnati Revdex.com Attn: Emily 1 East 4th Street, Suite 600 Cincinnati, OH 45202 File Number: [redacted] Dear Emily: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. We have reviewed the correspondence...
received from your office regarding the consumer and provide the following response: According to the account notes and our review of the telephone recordings, we maintain that our representatives did not make the assertions alleged by the consumer. GRC accurately reported and updated the account to all three major credit agencies. Should the consumer have questions and/or concerns regarding the account, he may contact the client, due to their account is no longer placed in our office. 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.
Per the consumer’s request, we have had a member of upper management attempt to contact the consumer at the telephone number provided in the request for additional information. Unfortunately, after several attempts since receiving this request, we have been unable to make contact with the consumer. The consumer may contact our office and request to speak to a member of management at any time. 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.
[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]Thank you for your letter regarding my claim ID[redacted] against General Revenue Corporation. I am happy to say that by the time your letter of 27 December, 2016 arrived the harassing phone calls had stopped and there have been none since. That is a relief. Thank you and the Revdex.com for your prompt and efficient action. I will let you know if there are any further calls. To date there has been no correspondence from General Revenue and that is fine with
January 19, 2017Cincinnati Revdex.com[redacted]
[redacted]
[redacted]
[redacted]
[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 complainant and provide the following response:Our representatives left voice mail messages for a consumer that we believed to be residing atthe complainant’s residence. On January 4, 2017, the complainant contacted our office withconcerns regarding the messages, left for her relative. Our representative advised thecomplainant we could not discuss the personal business matter with her. The complainantrequested no further calls and our representative advised the complainant we would immediatelycease calls to her telephone number. We honored the complainant’s request and have notattempted to contact her telephone number since that day.Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have beenprogrammed not to dial the telephone number in the future. We appreciate your notification andapologize for any inconvenience this matter may 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.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to file number [redacted]. We received and
reviewed the correspondence regarding the consumer and provide the following
response: On May 15, 2016, a personal business matter was placed in
our office matching...
the complainant’s information. After multiple attempts to
contact the complainant proved to be unsuccessful, we contacted parties
associated with the complainant. Our intent was to attain correct location
information for the complainant. Records do not indicate information was gained
from these sources. Records do not support harassment of any kind, as all calls
were made in accordance with internal call attempt/contact policies, as well as
federal and state regulations. As a matter of explanation, calls are intended
to maintain an open line of communication to aide consumers in resolving their
business matters; 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. Having been
able to authenticate the complainant, per our internal authentication
guidelines, as our intended party via the information provided with his
complaint correspondence, our systems have now been updated to reflect a cease
and desist to all third party calls with the exception of listed references. 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, 25 2017Cincinnati 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:Our company finds no support for the consumer’s claims after a thorough investigation of ourbusiness records relevant to this matter.Regarding the consumer’s credit reporting concerns, our company reported this obligation toconsumer reporting agencies on April 01, 2017. The age of the debt owed to our company’sclient does not exceed 7 years. As noted by our company’s client records, the account became adebt on January 5, 2011. On May 2, 2017, the debt is scheduled to be reported to the consumerreporting agencies as an open disputed collections account in accordance with our client’saccount placement policies. We suggest the consumer contact the office so we may assist her inresolution.With respect to the consumer’s comments about correspondence, our company’s businessrecords show on February 17, 2017, we mailed an initial validation notice to the address ourclient provided as the consumer’s last known address. Our records also show that attempts tocontact the consumer by telephone have been unsuccessful. On March 27, 2017, a second noticewas mailed to the address we have on record. Our company has not had any mail previously sentto the address contained within the consumer’s file returned as undeliverable. On April 11, 2017,validation of debt documents were requested from our client, and upon receipt, these will bemailed to the consumer’s address.Finally, it should be noted that we hold our employees to high standards of compliance andprofessionalism. Our business records fully support that our company’s collection efforts metthose high standards and complied with all applicable laws and regulations.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 as reasonably 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 [redacted] 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.
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 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 placed
the account in a disputed status and ceased efforts to contact the consumer. Our office has requested Itemization of Charges from the
client. Upon receipt, copies of these documents will be mailed to the consumer.
Upon receipt of Itemization of Charges, we suggest the consumer contact the
office to discuss 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.
January 14, 2016Cincinnati 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 to complaint #[redacted]. We received and reviewed the correspondence from...
your office regarding the consumer andprovide the following response:On July 31, 2012, our client placed the consumer’s account in our office for collections. On August 02,2012, a 30 Day Validation Notice was sent to the consumer via regular mail. Records do not indicate thisnotice was returned via mail return.On December 17, 2012, we reported this account as delinquent to the three major credit reportingagencies. On May 24, 2013, we received notification of this account being paid in full. On May 24, 2013,as a result of the account being paid in full, the account was returned to the client. On May 25, 2013,complying with our obligations under both the FDCPA and FCRA, we reported this account as paid infull to the three major credit reporting agencies. As required by the FCRA, the consumer’s account willremain with the credit reporting agencies for a period of seven (7) years from the date of delinquency.While we acknowledge the consumer’s concerns we have not violated any provisions of the FCRA andFDCPA and will not be making any trade line deletions to the consumer’s credit report.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. Should the consumer have questions and/or concerns regarding the account, shecan contact our office.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 the Consumer’s complaintand our response 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 No, its fraudulent and you need to close it asap. The company is aware of this. I wont be contactinh you or paying you. Again, its fraud and the crefit bureaus have the police report.
Regards,
[redacted]
February 8, 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:We appreciate the consumer’s expressed concerns, however; to better assist the consumer withhis concerns, our office suggests that he contacts the client directly for further assistance. Weconsider 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.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint # [redacted]. We have
received and reviewed the correspondence received regarding the consumer and
provide the following response: In attempts to
contact a consumer, our office contacted the...
complainant via telephone. On
March 23, 2016, our representative spoke with the complainant. During the
conversation, our representative advised the complainant our office had not
previously spoken with anyone at that telephone number and the telephone number
was marked as a do not call. We apologize for any inconvenience this matter may
have caused. 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.
Cincinnati Revdex.com
1 East 4th Street, Ste 600
Cincinnati, OH 45202
Complaint Number: [redacted]
Dear Better [redacted]:
I am rejecting the company’s response, because it does not
address my dispute in its entirety. I made it very clear that I had no
knowledge of this company nor the debt that was reported to the Credit Bureau
as a collections item. The company indicated that they had not been able to
reach me and that they had not had the opportunity to discuss the account, yet
the company failed to address my request for removal of the item from my credit
report considering the item, unbeknownst to me, was reported to the credit bureau
in the first place without me first having had the opportunity to address the
matter. Once I have received and reviewed the validation documents, and it is
determined that the debt does belong to me, I will agree to compromise the
indebtedness due the CREDITOR as long as the item is completely removed from my
credit report/file.
Regards,
[redacted]
September 28, 2017 Cincinnati 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 have received and reviewed the...
correspondence received regardingthe complainant, and provide the following response:Upon receipt of the complainant’s concerns identified through the Revdex.com, our systems have beenprogrammed not to dial the phone numbers in the future. Per the complainant’s request, we havecease all attempts to contact her. We appreciate notification of the complainant’s concerns andapologize for any inconvenience this matter may 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. 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 customer’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.
January 5, 2016Cincinnati 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 to complaint#[redacted]. We reviewed correspondence regarding the consumer...
and provide the following response:On September 14th and 16th, 2015, an individual contacted our office for information but would notconfirm that his identity matched our consumer’s record; therefore, our representatives were unable tofully address his concerns and could not provide him with the requested validation documents that containnonpublic personal information. Although our representative was unable to confirm the identity of theindividual disputing the debt owed at that time, the consumer’s account was placed in a dispute statuspending further validation.The dispute indicator was transmitted to the Credit Reporting Agencies on 12/01/15 when the initialreporting occurred on this account. On December 4, 2015, the individual contacted our office again andconfirmed his identity matched our consumer's record. Our management staff then worked diligently toprovide the consumer with all available validation documents pertaining to his account. The consumerdisputed the debt owed, but he wished to pay the balance in full. The consumer also wanted confirmationthat if the balance was paid in full, our company would then remove the negative mark from his creditbureau report. Unfortunately, the consumer was not offering to pay the balance using a method ofpayment accepted by our company. Under these circumstances, we would not remove the informationfrom the consumer's credit reports but can update the information reported to state the account was paid infull. On January 4, 2016, our client notified our company that the consumer’s account had been paid infull. The consumer’s account has been closed from our office and will be updated with the creditreporting agencies on February 1, 2016 as paid in full.Upon review of the file, records indicate our representatives behaved in a calm and professional mannerduring each communication with the consumer. By signing the Promissory Note, the consumer agreed tothe terms regarding principal, interest, and penalty charges assessed to the account. When signing theapplications, the consumer indicated reading and agreeing to the terms of the Promissory Notes and ouroffice is unable adjust the terms.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 the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint # [redacted]. We have
received and reviewed the correspondence received regarding the complainant and
provide the following response: Upon receipt of the complainant’s concerns identified
through...
your office, 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.
February 7, 2017Cincinnati Revdex.com[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint ID [redacted]. We received and reviewed the...
correspondence regarding the accountand provide the following response:We understand the complainant wishes to prevent calls to a telephone number ending in [redacted].Upon receipt of the complainant’s concerns our office placed a system block on thecomplainant’s telephone number for all facilities.Regarding the complaint’s concern of texts from our office, there have been no text messages tothe number ending in [redacted].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 consumer’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.
February 14, 2017Cincinnati 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 tofile number [redacted]. We received and reviewed the correspondence...
regarding the consumerand provide the following response:Thank you for expressing your concerns to our office. We have investigated your complaint andalso documented your written directions with respect to communication regarding your account.Our office does wish to provide assistance and we invite you to contact us directly. Our calls arenot intended to harass and our record does not show harassing behavior or a pattern of calls thatexhibit an intention to harass. However, we also understand your specified needs concerningcommunication and we sincerely wish to help you resolve the matter with our office at the mostconvenient time to you. We can offer you a scheduled appointment.We will continue to send written correspondence regarding the account to the established addressin compliance with all Federal, State, and Local laws and regulations. Additionally, theconsumer 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 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 theconsumer’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.
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]
July 12, 2016 Cincinnati Revdex.com Attn: Emily 1 East 4th Street, Suite 600 Cincinnati, OH 45202 File Number: [redacted] Dear Emily: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. We have reviewed the correspondence...
received from your office regarding the consumer and provide the following response: According to the account notes and our review of the telephone recordings, we maintain that our representatives did not make the assertions alleged by the consumer. GRC accurately reported and updated the account to all three major credit agencies. Should the consumer have questions and/or concerns regarding the account, he may contact the client, due to their account is no longer placed in our office. 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.
Per the consumer’s request, we have had a member of upper management attempt to contact the consumer at the telephone number provided in the request for additional information. Unfortunately, after several attempts since receiving this request, we have been unable to make contact with the consumer. The consumer may contact our office and request to speak to a member of management at any time. 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.
[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]Thank you for your letter regarding my claim ID[redacted] against General Revenue Corporation. I am happy to say that by the time your letter of 27 December, 2016 arrived the harassing phone calls had stopped and there have been none since. That is a relief. Thank you and the Revdex.com for your prompt and efficient action. I will let you know if there are any further calls. To date there has been no correspondence from General Revenue and that is fine with
January 19, 2017Cincinnati Revdex.com[redacted]
[redacted]
[redacted]
[redacted]
[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 complainant and provide the following response:Our representatives left voice mail messages for a consumer that we believed to be residing atthe complainant’s residence. On January 4, 2017, the complainant contacted our office withconcerns regarding the messages, left for her relative. Our representative advised thecomplainant we could not discuss the personal business matter with her. The complainantrequested no further calls and our representative advised the complainant we would immediatelycease calls to her telephone number. We honored the complainant’s request and have notattempted to contact her telephone number since that day.Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have beenprogrammed not to dial the telephone number in the future. We appreciate your notification andapologize for any inconvenience this matter may 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.
We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to file number [redacted]. We received and
reviewed the correspondence regarding the consumer and provide the following
response: On May 15, 2016, a personal business matter was placed in
our office matching...
the complainant’s information. After multiple attempts to
contact the complainant proved to be unsuccessful, we contacted parties
associated with the complainant. Our intent was to attain correct location
information for the complainant. Records do not indicate information was gained
from these sources. Records do not support harassment of any kind, as all calls
were made in accordance with internal call attempt/contact policies, as well as
federal and state regulations. As a matter of explanation, calls are intended
to maintain an open line of communication to aide consumers in resolving their
business matters; 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. Having been
able to authenticate the complainant, per our internal authentication
guidelines, as our intended party via the information provided with his
complaint correspondence, our systems have now been updated to reflect a cease
and desist to all third party calls with the exception of listed references. 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, 25 2017Cincinnati 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:Our company finds no support for the consumer’s claims after a thorough investigation of ourbusiness records relevant to this matter.Regarding the consumer’s credit reporting concerns, our company reported this obligation toconsumer reporting agencies on April 01, 2017. The age of the debt owed to our company’sclient does not exceed 7 years. As noted by our company’s client records, the account became adebt on January 5, 2011. On May 2, 2017, the debt is scheduled to be reported to the consumerreporting agencies as an open disputed collections account in accordance with our client’saccount placement policies. We suggest the consumer contact the office so we may assist her inresolution.With respect to the consumer’s comments about correspondence, our company’s businessrecords show on February 17, 2017, we mailed an initial validation notice to the address ourclient provided as the consumer’s last known address. Our records also show that attempts tocontact the consumer by telephone have been unsuccessful. On March 27, 2017, a second noticewas mailed to the address we have on record. Our company has not had any mail previously sentto the address contained within the consumer’s file returned as undeliverable. On April 11, 2017,validation of debt documents were requested from our client, and upon receipt, these will bemailed to the consumer’s address.Finally, it should be noted that we hold our employees to high standards of compliance andprofessionalism. Our business records fully support that our company’s collection efforts metthose high standards and complied with all applicable laws and regulations.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 as reasonably 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 [redacted] 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.
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 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 placed
the account in a disputed status and ceased efforts to contact the consumer. Our office has requested Itemization of Charges from the
client. Upon receipt, copies of these documents will be mailed to the consumer.
Upon receipt of Itemization of Charges, we suggest the consumer contact the
office to discuss 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.
January 14, 2016Cincinnati 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 to complaint #[redacted]. We received and reviewed the correspondence from...
your office regarding the consumer andprovide the following response:On July 31, 2012, our client placed the consumer’s account in our office for collections. On August 02,2012, a 30 Day Validation Notice was sent to the consumer via regular mail. Records do not indicate thisnotice was returned via mail return.On December 17, 2012, we reported this account as delinquent to the three major credit reportingagencies. On May 24, 2013, we received notification of this account being paid in full. On May 24, 2013,as a result of the account being paid in full, the account was returned to the client. On May 25, 2013,complying with our obligations under both the FDCPA and FCRA, we reported this account as paid infull to the three major credit reporting agencies. As required by the FCRA, the consumer’s account willremain with the credit reporting agencies for a period of seven (7) years from the date of delinquency.While we acknowledge the consumer’s concerns we have not violated any provisions of the FCRA andFDCPA and will not be making any trade line deletions to the consumer’s credit report.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. Should the consumer have questions and/or concerns regarding the account, shecan contact our office.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 the Consumer’s complaintand our response 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 No, its fraudulent and you need to close it asap. The company is aware of this. I wont be contactinh you or paying you. Again, its fraud and the crefit bureaus have the police report.
Regards,
[redacted]