Dear ***: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response: On May 12, 2016, our company sent notice to the consumer reporting agencies to have the complainant’s negative trade line removed pending our client’s thirty-day validation periodThis thirty-day validation period was initiated on April 20, 2016, after our company reissued an initial validation notice to the complainant’s address provided on the original complaint correspondence submitted through your officeTo date, no mail return notifications have been received for this correspondenceOn May 13, 2016, the complainant contacted our office and agreed to set up a payment arrangement on the accountIf the account is not resolved in full prior to the expiration of the validation period, the complainant’s credit report will be updated to reflect the disputed loan(s) as follows: Completed investigation of FCRA dispute — consumer disagrees This narrative will be reflected on the complainant’s credit report for each open account included in the complainant’s dispute and will be included with our next update to the consumer reporting agencies on June 1, If the complainant wishes to have this narrative removed from the credit report, she is encouraged to write to us at [redacted] ***This correspondence should include the complainant’s name, address, account/loan number(s), and indicate the complainant’s wish to have the dispute narrative removed from the credit reportThe previously requested validation documents, which were sent on April 20, 2016, along with an initial validation notice, should have already been received by the complainantIf these documents were not received, the complainant is encouraged to contact our office, at [redacted] , so we may assist her in updating the information on file and resolving this matterWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and to my knowledge, the business has ceased attempting to contact me However, they did contact my employer who told them that they did not have the correct personal identification information for me.I assume that this business is attempting to collect a debt owed by someone with a similar or same name as mine Now that General Revenue Corp has been told by my employer that their records are wrong, I hope I assume correctly that they will cease contacting me.I also assume the phone conversation was recorded by GRC In the phone conversation, it's easily seen that the employees were argumentative with me on the phone I will also point out again that they did not follow correct and legal debt collection procedures.I welcome the Revdex.com to ask for the transcript of that call Regards, [redacted]
November 22, 2016Cincinnati Revdex.comAttn: [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 disclosureWe may now address thecomplainant’s concerns.On May 11, 2016, our client placed the complainant’s personal business matter in our officeOnMay 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 policiesOur records indicate, despitemultiple contact efforts – both written and verbal – our office has not yet had the opportunity tospeak with the complainantOur 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.comWe alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, 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
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 accountWe have had no contact with the consumerUpon notification through your office, we placed the account in a disputed status and ceased efforts to contact the consumerOur office has requested Itemization of Charges from the clientUpon 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 matterWe 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 websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 $With this last payment made, the ledger / statement ends with a balance, meaning, from an accountants stand point, I'm in good standing with [redacted] and owe no more debtThe company in question has failed to provide me clear proof to the debt I oweThe documentation is at homeI'm at workand can - at a later time, scan the documents for your review in the next day or soI currently work at [redacted] in San Jose, CAas a Project ManagerI have no time to spend trying to extract proof of my debt to said companyI have spent far too many hours, days, weeks of my life on the phone when dealing with [redacted] and its various collection agenciesThe 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 ***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 $This payment brings my balance with [redacted] to dollarsHad this payment not existed, I would accept the fact that I owe GRC the debt they are looking to collectUnfortunately 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
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 telephoneOn March 23, 2016, our representative spoke with the complainantDuring 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 callWe apologize for any inconvenience this matter may have causedWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 questionTherefore, 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 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]
February 14, 2017Cincinnati Revdex.comAttn: ***East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted] Dear ***: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 officeWe 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 directlyOur calls arenot intended to harass and our record does not show harassing behavior or a pattern of calls thatexhibit an intention to harassHowever, 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 youWe 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 regulationsAdditionally, 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.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 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 questionTherefore, 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] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint My complaint was not addressedI am not asking for disclosure of private matters.I specifically asked for the companies "general business practice" in cases where payment exceeded the amount owed (i.eif a client overpaid, will the over payment be reimbursed back to the client?)Thus, I cannot accept the response since it does not provide explanation on why a "general business practice" (e.gfor over-payment) are considered private matters Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me However, I will say that one of your representatives was extremely rude Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
See attached documentMarch 20, 2017Cincinnati Revdex.comAttn: EmilyEast 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted] Dear Emily: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:On March 16, 2017, our office was notified that the consumer’s account consolidated and therelease request the consumer is seeking has been forwarded to her employer.As a matter of explanation, the consumer became eligible for administrative wage garnishmentand the required notifications were sent in accordance with federal regulations CFR 682.410.On March 2, 2017, the consumer contacted our office expressing her concerns regarding thegarnishment process because she was pursuing a consolidation loan.According to account notes and a review of our recordings, we maintain that our representativesprofessionally provided the consumer with appropriate assistance and we are happy that herefforts to enter into loan consolidation successfully prevented an administrative wagegarnishmentShould she have any questions, she can feel free to contact 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 responseson the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, 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
January 24, 2018Cincinnati Revdex.comAttn: ***East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted] Dear [redacted] ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] We received and reviewed the correspondence from your officeregarding the consumer and provide the following response:Conversations with our office are not intended to be threatening, but to make consumers awareof their financial obligations, as well as the ramifications of non-paymentOur objective is toassist consumers with resolving their obligations.According to account notes and a review of our recordings, we maintain that our representativeswere professional at all times and at no point during a conversation used inappropriatecommunicationThe ‘protection’ referred to pertains to our office protecting the consumersidentity when issuing our response to the Revdex.com as we take care not to releaseany sensitive informationIn addition, as previously stated, your account has been returned to theclient as of July 1, We suggest you contact the client with any further questionsWeconsider this matter closed.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 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 questionTherefore, because of the possibility that theCustomer’s complaint and our response may be publicly posted on the Revdex.com website; we haveomitted all nonpublic, personal information regarding the consumer from our response
June 22, 2016Cincinnati Revdex.com Attn: EmilyWest 7th Street, SteCincinnati, OH 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 officeOur representatives attempted to contact the complainant via telephone and regular mailWe were unable to speak with the complainant until she contacted our office on June 8, 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 inaccurateOn June 9, 2016, the debt was paid in fullOn June 10, 2016, the account was returned to our clientOn July 1, 2016, we will report the debt as paid in full-was a collection account, to the consumer reporting agenciesIn 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 delinquencyAs the debt has been satisfied and the account closed, the complainant will need to address her concerns directly to our clientWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 questionTherefore, 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
October 21, [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 consumerand provide the following response:In response to allegations that we did not contact the consumer, our records show six (6) letterswere mailed to the consumer’s last known address during the period of February 17, 2016through June 15, None of the aforementioned letters were returned as undeliverable, nordid we receive a response from the United States Postal Service indicating the address was nolonger validOn June 30, our office received an initial disputeThe credit bureau trade linewas updated to reflect the disputed statusOn September 6, 2016, the balance was updated tosatisfiedPrior to receipt of this complaint on October 7, 2016, our records show severalincoming calls from an unauthorized third partyThe caller was notified information could notbe released without the consumer’s express consentOn October 13, a subsequent creditbureau dispute was receivedThe consumer acknowledged the validity of the debt was no longerin questionThe trade line indicator was updated from disputed to paid in fullThe paid in fulltrade line will appear on the credit bureaus for a period of time not to exceed seven years fromthe date of delinquency.In conclusion, we find no merit to allegations raised by the consumerThe credit bureaus havebeen updated timely in accordance with all applicable laws.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 websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, because of the possibility that the customer’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
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
January 23, 2018Cincinnati Revdex.comAttn: ***East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted] Dear ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] We received and reviewed the correspondence regarding the consumerand provide the following response:The consumer’s expressed concerns were forwarded to our client upon receipt of this complaint.Our client indicates they have no record of receiving payment from the consumer regarding thisaccount, which has a balance of $1,The client reflects they received a payment of$849.62, however; it was not for the account in questionShould the consumer have supportingdocumentation, we urge him to forward this to our office for further reviewThis account is notcurrently being reported to the consumer’s credit report.A copy of the Promissory Note and payment ledger will be sent to the consumer under separatecoverWe suggest the consumer contact the office to discuss arrangements so we may assistthem in resolution of this matter.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, 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.] The response from General Revenue does not satisfy the issue at handThe 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 matterThe 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, responseThat 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 RevenueThis 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 notWhat 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 isThe 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 RevenueI've contacted the client; they told me the account would get deleted from my credit reports after I paid itWhat 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 RevenueI 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] ***
July 12, 2017Cincinnati Revdex.comAttn: ***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:On September 19, 2016, we mailed correspondence to the complainant’s last known addressprovided by our client.On April 20, 2017, we received the complainant’s disputeThe complainant stated he wasdisputing the account with our office, but failed to substantiate why he disputes the account.Upon receipt of the complainant’s dispute, we processed the account accordingly and requestedpertinent information from the clientOn April 24, 2017, our office mailed validation of debtprovided by our client to the complainant.The complainant does not have a contract with our office; however, the complainant does have acontract with our clientThe client contracted our office to service the account when thecomplainant failed to uphold his obligation.Upon review of the file, we find no merit to allegations raised by the consumerBy signing thePromissory Note, the consumer agreed to the terms regarding principal, interest, and penaltycharges assessed to the accountWhen signing, the consumer indicated reading and agreeing tothe terms of the Promissory Notes and we are unable to adjust the terms.We suggest the consumer contact the office to discuss voluntary payment arrangements.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 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.” In addition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in questionTherefore, because of the possibility that thecustomer’s complaint and our response may be publicly posted on the Revdex.com website, we haveomitted all nonpublic, personal information regarding the consumer from our response
Dear ***: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response: On May 12, 2016, our company sent notice to the consumer reporting agencies to have the complainant’s negative trade line removed pending our client’s thirty-day validation periodThis thirty-day validation period was initiated on April 20, 2016, after our company reissued an initial validation notice to the complainant’s address provided on the original complaint correspondence submitted through your officeTo date, no mail return notifications have been received for this correspondenceOn May 13, 2016, the complainant contacted our office and agreed to set up a payment arrangement on the accountIf the account is not resolved in full prior to the expiration of the validation period, the complainant’s credit report will be updated to reflect the disputed loan(s) as follows: Completed investigation of FCRA dispute — consumer disagrees This narrative will be reflected on the complainant’s credit report for each open account included in the complainant’s dispute and will be included with our next update to the consumer reporting agencies on June 1, If the complainant wishes to have this narrative removed from the credit report, she is encouraged to write to us at [redacted] ***This correspondence should include the complainant’s name, address, account/loan number(s), and indicate the complainant’s wish to have the dispute narrative removed from the credit reportThe previously requested validation documents, which were sent on April 20, 2016, along with an initial validation notice, should have already been received by the complainantIf these documents were not received, the complainant is encouraged to contact our office, at [redacted] , so we may assist her in updating the information on file and resolving this matterWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and to my knowledge, the business has ceased attempting to contact me However, they did contact my employer who told them that they did not have the correct personal identification information for me.I assume that this business is attempting to collect a debt owed by someone with a similar or same name as mine Now that General Revenue Corp has been told by my employer that their records are wrong, I hope I assume correctly that they will cease contacting me.I also assume the phone conversation was recorded by GRC In the phone conversation, it's easily seen that the employees were argumentative with me on the phone I will also point out again that they did not follow correct and legal debt collection procedures.I welcome the Revdex.com to ask for the transcript of that call Regards, [redacted]
November 22, 2016Cincinnati Revdex.comAttn: [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 disclosureWe may now address thecomplainant’s concerns.On May 11, 2016, our client placed the complainant’s personal business matter in our officeOnMay 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 policiesOur records indicate, despitemultiple contact efforts – both written and verbal – our office has not yet had the opportunity tospeak with the complainantOur 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.comWe alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, 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
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 accountWe have had no contact with the consumerUpon notification through your office, we placed the account in a disputed status and ceased efforts to contact the consumerOur office has requested Itemization of Charges from the clientUpon 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 matterWe 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 websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 $With this last payment made, the ledger / statement ends with a balance, meaning, from an accountants stand point, I'm in good standing with [redacted] and owe no more debtThe company in question has failed to provide me clear proof to the debt I oweThe documentation is at homeI'm at workand can - at a later time, scan the documents for your review in the next day or soI currently work at [redacted] in San Jose, CAas a Project ManagerI have no time to spend trying to extract proof of my debt to said companyI have spent far too many hours, days, weeks of my life on the phone when dealing with [redacted] and its various collection agenciesThe 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 ***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 $This payment brings my balance with [redacted] to dollarsHad this payment not existed, I would accept the fact that I owe GRC the debt they are looking to collectUnfortunately 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
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 telephoneOn March 23, 2016, our representative spoke with the complainantDuring 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 callWe apologize for any inconvenience this matter may have causedWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 questionTherefore, 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 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]
February 14, 2017Cincinnati Revdex.comAttn: ***East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted] Dear ***: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 officeWe 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 directlyOur calls arenot intended to harass and our record does not show harassing behavior or a pattern of calls thatexhibit an intention to harassHowever, 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 youWe 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 regulationsAdditionally, 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.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 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 questionTherefore, 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] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint My complaint was not addressedI am not asking for disclosure of private matters.I specifically asked for the companies "general business practice" in cases where payment exceeded the amount owed (i.eif a client overpaid, will the over payment be reimbursed back to the client?)Thus, I cannot accept the response since it does not provide explanation on why a "general business practice" (e.gfor over-payment) are considered private matters Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me However, I will say that one of your representatives was extremely rude Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
See attached documentMarch 20, 2017Cincinnati Revdex.comAttn: EmilyEast 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted] Dear Emily: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:On March 16, 2017, our office was notified that the consumer’s account consolidated and therelease request the consumer is seeking has been forwarded to her employer.As a matter of explanation, the consumer became eligible for administrative wage garnishmentand the required notifications were sent in accordance with federal regulations CFR 682.410.On March 2, 2017, the consumer contacted our office expressing her concerns regarding thegarnishment process because she was pursuing a consolidation loan.According to account notes and a review of our recordings, we maintain that our representativesprofessionally provided the consumer with appropriate assistance and we are happy that herefforts to enter into loan consolidation successfully prevented an administrative wagegarnishmentShould she have any questions, she can feel free to contact 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 responseson the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, 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
January 24, 2018Cincinnati Revdex.comAttn: ***East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted] Dear [redacted] ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] We received and reviewed the correspondence from your officeregarding the consumer and provide the following response:Conversations with our office are not intended to be threatening, but to make consumers awareof their financial obligations, as well as the ramifications of non-paymentOur objective is toassist consumers with resolving their obligations.According to account notes and a review of our recordings, we maintain that our representativeswere professional at all times and at no point during a conversation used inappropriatecommunicationThe ‘protection’ referred to pertains to our office protecting the consumersidentity when issuing our response to the Revdex.com as we take care not to releaseany sensitive informationIn addition, as previously stated, your account has been returned to theclient as of July 1, We suggest you contact the client with any further questionsWeconsider this matter closed.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 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 questionTherefore, because of the possibility that theCustomer’s complaint and our response may be publicly posted on the Revdex.com website; we haveomitted all nonpublic, personal information regarding the consumer from our response
June 22, 2016Cincinnati Revdex.com Attn: EmilyWest 7th Street, SteCincinnati, OH 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 officeOur representatives attempted to contact the complainant via telephone and regular mailWe were unable to speak with the complainant until she contacted our office on June 8, 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 inaccurateOn June 9, 2016, the debt was paid in fullOn June 10, 2016, the account was returned to our clientOn July 1, 2016, we will report the debt as paid in full-was a collection account, to the consumer reporting agenciesIn 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 delinquencyAs the debt has been satisfied and the account closed, the complainant will need to address her concerns directly to our clientWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 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 questionTherefore, 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
October 21, [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 consumerand provide the following response:In response to allegations that we did not contact the consumer, our records show six (6) letterswere mailed to the consumer’s last known address during the period of February 17, 2016through June 15, None of the aforementioned letters were returned as undeliverable, nordid we receive a response from the United States Postal Service indicating the address was nolonger validOn June 30, our office received an initial disputeThe credit bureau trade linewas updated to reflect the disputed statusOn September 6, 2016, the balance was updated tosatisfiedPrior to receipt of this complaint on October 7, 2016, our records show severalincoming calls from an unauthorized third partyThe caller was notified information could notbe released without the consumer’s express consentOn October 13, a subsequent creditbureau dispute was receivedThe consumer acknowledged the validity of the debt was no longerin questionThe trade line indicator was updated from disputed to paid in fullThe paid in fulltrade line will appear on the credit bureaus for a period of time not to exceed seven years fromthe date of delinquency.In conclusion, we find no merit to allegations raised by the consumerThe credit bureaus havebeen updated timely in accordance with all applicable laws.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 websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, because of the possibility that the customer’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
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
January 23, 2018Cincinnati Revdex.comAttn: ***East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted] Dear ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] We received and reviewed the correspondence regarding the consumerand provide the following response:The consumer’s expressed concerns were forwarded to our client upon receipt of this complaint.Our client indicates they have no record of receiving payment from the consumer regarding thisaccount, which has a balance of $1,The client reflects they received a payment of$849.62, however; it was not for the account in questionShould the consumer have supportingdocumentation, we urge him to forward this to our office for further reviewThis account is notcurrently being reported to the consumer’s credit report.A copy of the Promissory Note and payment ledger will be sent to the consumer under separatecoverWe suggest the consumer contact the office to discuss arrangements so we may assistthem in resolution of this matter.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 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 inquestionTherefore, 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.] The response from General Revenue does not satisfy the issue at handThe 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 matterThe 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, responseThat 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 RevenueThis 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 notWhat 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 isThe 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 RevenueI've contacted the client; they told me the account would get deleted from my credit reports after I paid itWhat 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 RevenueI 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] ***
July 12, 2017Cincinnati Revdex.comAttn: ***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:On September 19, 2016, we mailed correspondence to the complainant’s last known addressprovided by our client.On April 20, 2017, we received the complainant’s disputeThe complainant stated he wasdisputing the account with our office, but failed to substantiate why he disputes the account.Upon receipt of the complainant’s dispute, we processed the account accordingly and requestedpertinent information from the clientOn April 24, 2017, our office mailed validation of debtprovided by our client to the complainant.The complainant does not have a contract with our office; however, the complainant does have acontract with our clientThe client contracted our office to service the account when thecomplainant failed to uphold his obligation.Upon review of the file, we find no merit to allegations raised by the consumerBy signing thePromissory Note, the consumer agreed to the terms regarding principal, interest, and penaltycharges assessed to the accountWhen signing, the consumer indicated reading and agreeing tothe terms of the Promissory Notes and we are unable to adjust the terms.We suggest the consumer contact the office to discuss voluntary payment arrangements.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy 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 partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 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.” In addition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in questionTherefore, because of the possibility that thecustomer’s complaint and our response may be publicly posted on the Revdex.com website, we haveomitted all nonpublic, personal information regarding the consumer from our response