Collecto, Inc.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments belowRegards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
[A long itemized bill of several phone numbers is all that has been forwarded to me. No other documents showing where I requested credit from *** or any other type of identification evidence such as a copy of my driver's license or other photo id used to open these accounts has been forwarded to me.]
Regards,
*** ***

I will accept this once it is removed from all credit reports

April 7, Re: Revdex.com Case #: ***
EOS CCA #* *** | US Asset Management Original Creditor: *** ***| Creditor Account #: *** Dear Revdex.com: EOS CCA has received *** *** dispute. As part of our reasonable investigation, we have sent our client, *** ***, a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collectionsThis information has been forwarded via *** to the address of record for *** *** to review. The statements are dated from 10/28/through 1/27/and show that the balance of $1,has been due since 02/22/2010. The account remains open with our office in a temporary status that will cease communications which will allow time for *** *** to receive and review the informationIf you have any questions or concerns, please contact my office at ###-###-####, extension ***Sincerely, EOS CCA Consumer Relations Department

Dear Revdex.com:
First and foremost, EOS CCA would like to thank *** *** for the recent feedback that was provided to our companyAt EOS CCA, we believe in operating within the highest level of professional and ethical standards and each representative is trained to follow all debt
collection laws and deal with consumers in a courteous and professional manner
We regret that Ms*** is dissatisfied with the manner in which the account is being administeredWe have reviewed the matter and would like to advise Ms*** that we have since placed the account into a cease communications status and she should not receive further contact from our company
In addition, if she would like to discuss her repayment options or if she should have any questions regarding the matter please don’t hesitate to have her contact my office at ###-###-####, extension ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below. Regards,
*** ***

Our client, [redacted], placed the above referenced account with our office on 10/16/2014.  The account has since been closed in our system as well as in [redacted]’s system as paid in full, and as such, our office will not contact [redacted]...

[redacted] any further. We have notified the credit bureaus to delete the above referenced account from their records. If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted].

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
[Once again the debt that EOC-CCA holds is not my debt, [redacted] stated that this account has a zero balance on their end, and is charged off.  This debt is beyond the statue of limitations (SOL) of 4 years in California, and I have no plans to pay a time-barred debt which I have no legal obligation to pay.  Showing me a bill doe not meet the requirement of my request for validation.  I am fully aware of my rights under that FCRA and the FDCPA and I do request that the debt buyer EOC-CCA provide me a copy of their agreement evidence of a debt under.  I have been fair with my request in giving EOC-CCA time to prove this debt; however, it looks as if I will have to further escalate this matter.  .]
Regards,
[redacted]

April 10, 2015   Re:       Revdex.com Case #: [redacted]               EOS CCA #: **- [redacted] | US Asset Management  Original Creditor: [redacted] | Creditor Account #: [redacted]              Dear Revdex.com:   EOS CCA  has received  the itemized bills that **. [redacted] requested regarding the above account. This information has been  forwarded via [redacted] to the address of record for **. [redacted] to review.  The statements that have been mailed are dated from 07/02/10 through 09/02/10 and show that the balance of $278.43 has been due since 10/21/2010.  Since the account has been in our office, it has accrued interest. The balance now due is $343.77. The account remains open with our office in a status that will cease communications which will allow time for [redacted] to receive and review the information.  We have notified the credit bureaus to update the account as "disputed". If you have any questions, please contact my office at ###-###-####, extension [redacted].   Sincerely, EOS CCA Consumer Relations Department

April 13, 2015            Re:     Complaint ID: [redacted] | [redacted]                    EOS CCA #’s: [redacted] &...

[redacted] | US Asset Management                     Original Creditor: AT&T Mobility                     Creditor Account #’s: [redacted] & [redacted]   Dear Revdex.com:    In response to the above referenced filed complaint, we have gone back to the original creditor, AT&T Mobility, and have requested additional information. For client account number [redacted]: the original creditor provided Itemized Statements that are dated from 8/15/2008 through 10/20/2008 and show that the balance of $345.46 has been due since 11/15/2008.  Since the account has been in our office, it has accrued interest and fees. The balance now due is $407.65.For client account number [redacted]: the original creditor provided Itemized Statements that are dated  from 9/5/2008 through 12/8/2008 and show that the balance of $403.90 has been due since 1/3/2009.  Since the account has been in our office, it has accrued interest and fees. The balance now due is $476.61.Please be advised that both account were placed with our office on 8/13/2012. The current balance due for both accounts totals to $884.26.In the above referenced filed complaint, Ms. [redacted] states that EOS CCA violated the FDCPA by updating the credit bureaus after she sent a letter to our office requesting information. Ms. [redacted] had filed a dispute with the credit bureaus that EOS CCA was responding to, we have 30 days to respond to the disputes filed through the credit bureaus. Per our records, the account was/is a valid account and we advised the credit bureaus of that. EOS CCA sent a letter to Ms. [redacted] providing the original creditor name and address, balance break down, and provided the last four of the social security number on file showing it was the last four of her social security number. This letter also provided the Mini Miranda which does state “this is an attempt to collect a debt”. It is required that this statement is provided when a 3rd party collection agency is contacting a consumer directly.Ms. [redacted] also claims that EOS CCA did not send a dunning notice. Please be advised that EOS CCA’s first attempt to send this notice as on 12/18/2012. This letter was returned because the address that was on file, provided by the original creditor, was an invalid address. EOS CCA was able to successfully send this notice to Ms. [redacted] on 12/26/2013 to the address that is listed on the complaint. This letter was never returned to EOS CCA. Please be advised that we have notified the credit bureaus to delete the above referenced accounts from their records.If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted]. Sincerely,[redacted]Consumer Relations Manager

Our client, [redacted], placed the above referenced account with our office on 10/16/2014.  The account has since been closed in our system as well as in [redacted]’s system as paid in full, and as such, our office will not contact [redacted] any further.  As previously stated, a request to delete the above referenced account information has been submitted to the credit bureaus.  The credit bureaus typically process a deletion request within 7 days.  However, please allow the credit bureaus up to 60 days to process the request.  If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted].

Dear Revdex.com:
Per Mr. [redacted]’s request, we have placed the above referenced account into a cease communications status, and as such, our office will not contact Mr. [redacted] any further.
If you have any questions, please contact my office at [redacted]...

[redacted].
Sincerely,
EOS CCA Consumer Relations Department

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

We have reviewed the information [redacted] has provided in regards to the above account  and as such have forwarded this information over to client, [redacted] Community College, to review.  According to our clients repayment policy, we have been advised that they only allot 1 past...

due account per student to be settled. This benefit was given on a previous past due amount and unfortunately cannot be offered again in regards to the above account that was placed with our agency on 12/30/14. Due to this policy, we are unable to offer a settlement arrangement on the total balance due of $824.03.  We are more than willing to work with [redacted] in resolving this matter and if she would like to discuss her options, please have her contact a repayment specialist who is ready and willing to go over her options for an arrangement.    The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review this information. If you have any questions, please contact my office at [redacted], extension [redacted].   Sincerely, EOS CCA Consumer Relations Department

Upon receipt of the above referenced complaint, we requested itemized statements from the original creditor, [redacted].  Upon review, the consumer’s name, address, and account balance listed on the itemized statement matched the information provided by this consumer.  We mailed the itemized statements (verification of the debt) to this consumer on 4/7/15. The next day (4/8/15), we received the consumer’s 1st rebuttal, clearly well before the itemized statements could have been received and reviewed by this consumer.  On 4/10/15 we responded to the consumer’s rebuttal by explaining the proof of record was mailed and we have updated the credit reporting agencies to reflect the dispute.

April 8, 2015           Re:         Revdex.com Case #: [redacted]                            EOS CCA #: [redacted] | US Asset Management             Original Creditor: [redacted]| Creditor Account #: [redacted] Dear Revdex.com: As previously explained in our original response, we have sent our client, A[redacted] a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collections. This information has been forwarded via [redacted] to the address of record for [redacted] to review.  The statements are dated from 10/28/2009 through 1/27/2010 and show that the balance of $1,398.92 has been due since 02/22/2010.  The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the information. If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted]. Sincerely, EOS CCA Consumer Relations Department

April 13, 2015           Re:         Revdex.com Case #: [redacted]                           ...

EOS CCA #: [redacted] | Original Creditor: [redacted]                            Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted]’s dispute.  As part of our reasonable investigation, we have sent our client, [redacted], a request to obtain itemized bills in an effort to validate the total charges placed with our agency for collections.  This information has been obtained and we have forwarded it to the address of record for [redacted] to review via U.S.P.S. The statements are dated from 03/21/2014 through 06/20/14 and show that the balance of $56.72 has been due since 07/15/2014.  The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review this information. We have notified the credit bureaus to update the account as "disputed". If you have any questions or concerns, please contact my office at ###-###-####, extension [redacted]. Sincerely, EOS CCA Consumer Relations Department

April 7, 2015
Re: Revdex.com Case #: [redacted]
EOS CCA #: 20- [redacted] | US Asset Management
Original Creditor: [redacted] | Creditor Account #:[redacted]
Dear Revdex.com:
EOS CCA has received [redacted] dispute. As part of our reasonable investigation, we have sent our...

client, [redacted], a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collections. This information has been forwarded via [redacted] to the address of record for [redacted] to review. The statements are dated from 07/02/10 through 09/02/10 and show that the balance of $278.43 has been due since 10/21/2010. Since the account has been in our office, it has accrued interest. The balance now due is $343.77. The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the information.
If you have any questions, please contact my office at ###-###-####, extension [redacted].
Sincerely,
EOS CCA Consumer Relations Department