Copies, Inc.

Hi, On receipt of the compliant, we have taken following steps to resolve it: 1- Placed a request with our clients to provide the consumer with validation documents.2- The account has been closed on our system. Thank You,Harvard Collection Services

RE: Revdex.com Complaint Case # - *** ***, *** M We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS)On July 13, our client placed the account at issue with us for collection of a past due amount. Our records
indicate that the account has been closed as paid in full since June 15, 2017. At that time we processed a request to remove the item from the credit report. As a result of the complaint we have again submitted a request to delete the item from your credit report If we can be of further assistance please feel free to contact us at 877-***-*** Sincerely, Harvard Collection Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
Angela ***

Hi,On receipt of the complaint, we have taken following action to resolve it: 1- Closed the account on our system2- Harvard uses the credit bureaus Automated Universal Data form (AUD) to complete this activity. The AUD number for this request is ***. This process may take
up to days to complete.Thank You, Harvard Collection Services

This is in regards to the complaint from Mr*** ***We have removed the telephone number of *** from our systemIf Mr*** has an additional telephone number that HCS is call please provide the number so that we can remove the telephone number from our systemIf you have any
additional questions or concerns please do not hesitate to contact our office.Thank you, *** *** 773*** *** ***

Complaint: ***
I am rejecting this response because: I accept that Harvard Collection will not be contacting me in the future, this is good My reason for rejecting is; Havard Collections is not being honest, the supposely "client" could not have declined further actions because the "client" never made such request I spoke with a employee of Department of Human Services, face to face They research my file and no such action was ever taken and informed me that no outside collection agency would ever be contacted regrading any matter This is a government agency, all information or actions would directly from Springfield, IL I just wanted to make that clear, Harvard Collections is not being honest but, thank you for taking the time to address this issue I don't expect any further contact from Harvard Collection Services Inc. Sincerely, *** Franklin
Sincerely,
*** Franklin

Initial Business Response /* (1000, 5, 2015/06/19) */
Your complaint has been receivedYour account currently sits in a Dispute statusA request has been sent to our Client Services department to obtain validation of debtOnce this information is obtained it will be sent to the address
provided
Initial Consumer Rebuttal /* (3000, 10, 2015/07/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Mr***,
Thank you for taking time to send me detailed information about this $debtTo my understanding this debt was supposed to be covered by my primary insuranceThe detailed invoice that you sent me had a balance of $at the endI still don't understand why are you still charging me this amountAfter I received your documents, I called your main number and spoke to *** *** that by the way was very rude while talking with meIn any away I have not expressed that I will not pay for thisI just wanted to offer a settlement in witch I can pay this amount in full in exchange for this trade line to be removed from all credit bureaus since I notice this account from my credit report not from any letters received from your companyI have never received a phone call about this matter neitherSo In other words, I have not had the opportunity to take care of this before it went to collectionMr *** was extremely pushy, humiliating, and offensiveI understand that is your companies job to be aggressive but when a person is trying to take care of debt and pay the bill there is no need for that
As of now, my offer still standsI will like to pay this amount in full immediately in exchange for this trade line to be removed from my account after payment
Final Business Response /* (4000, 15, 2015/07/27) */
As the manager previously stated, this account will not be removed from the CBRIf looking to pay the balance in full, it will read a Paid in Full on the CBRIf looking to pay a portion and settle out the account, the account would read as Settled in Full

This is in response to the above complaintOn January 27th, we reported the payment that Ms*** made on 1/20/ Per our company policy we are unable to mail Ms*** a paid in full letter until days from when the payment was madeOn February 12, the paid in full
letter will be mailed to Ms*** to the address of Space Center Bvd Apt Houston TX A receipt has been mailed to Ms*** to the same address listed previouslyIf you have any questions or concerns please do not hesitate to contact our office. Thanks,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

RE: Revdex.com Complaint Case # - *** ***, *** Thank you for your letter dated November 13, and the opportunity to respond to the concerns of the consumerThe facts as we understand them are: The account at issue was assigned to Harvard Collections Services
(HCS) on February 15, We received correspondence from the consumer on 05/25/stating a dispute and a refusal to pay Following the consumer dispute, the account was moved to dispute status and the validation was requested from the client The explanation of the debt was mailed to the consumer The account has been updated as a dispute with the credit reporting agencies If I can be of further assistance, please feel free to contact me directly at 877-***-*** Sincerely, Harvard Collection Services

We have only one account in our system for a balance of $797, and have requested for the explanation of benefits to be sent to the consumer from [redacted].

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.
Sincerely,
[redacted]

Re: Revdex.com Complaint ID: [redacted], [redacted]   We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS).   The facts as we currently understand them are: ·         The account was...

placed with us by our client on  02-10-17   ·         We never had a contact with the consumer on this account ·         The account is closed in our systems as of 04-11-17 and a deletion request has been raised with the credit reporting.   If I can be of further assistance please feel free to contact me directly at [redacted].   Sincerely, Harvard Collection Services.

RE: Revdex.com Complaint Case # - [redacted], [redacted] T We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: ·         We have previously received a complaint on this account from the consumer on 07-14-2017 and 07-20-2017 from CFPB and Revdex.com respectively ·         The account is closed in our office as of 07-18-17 as per the client request and deleted from credit bureau ·         Both the accounts have been submitted for credit deletion with the below mentioned reference # as per consumer request o   AUD Control Number:[redacted]  o   AUD Control Number:[redacted]  If I can be of further assistance please feel free to contact me directly at 877-[redacted].   Sincerely, Harvard Collection Services

Re: Revdex.com Complaint ID: [redacted], [redacted]   First of all let me say we welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS).   The facts as we currently understand them are:...

·         We received the file on 02-15-17 from our client ·         There were no attempts or contacts made on the account   ·         The first letter was sent to the consumer on 02-16-17 ·          The account was recalled by our client on 03-02-17 and is no longer with us. If I can be of further assistance please feel free to contact me directly at [redacted].   Sincerely, Harvard Collection Services.

Re: Revdex.com Complaint ID: [redacted] - [redacted], [redacted] First of all let me say we welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS).   The facts as we currently understand them are: ·        ...

The account was placed with us on 12-06-2016 ·         First contact with the consumer was on 02-20-2017, where collector gave information however call disconnected ·         On the same day consumer called again and was informed that we are trying to reach him in reference to a personal business matter, call disconnected after that ·         No further contact with consumer on the account has been established. ·         We have requested for validation of debt to our client and will mail it to the consumer once we have it ·         The account has been marked as dispute until then.   If I can be of further assistance please feel free to contact me directly at [redacted].   Sincerely, Harvard Collection Services.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12096584, and find that this resolution is satisfactory to me.
Sincerely,
Gilberto [redacted]

This is in regards to the complaint that was filed by Ms. [redacted]. After reviewing Ms. [redacted]'s complaint, HCS was unable to locate an account for Ms. [redacted] in our system with any of the information that she has provided. HCS did try to locate her account with the name,...

address, and telephone number and had no results.  If Ms. [redacted] would like to call our office and speak to me directly, I will be happy to assist her. I have put my contact information below, please do not hesitate to contact me.Thank you,[redacted] Chavez [redacted]@harvardcollect.com [redacted]

Hi,On receipt of the message we have taken following steps to investigate and resolve the consumer's complaint:1- We did send the collection letter to the consumer on 02/03/2016. The address provided by our client is different from the address consumer has mentioned in this compliant.2- We did make...

attempt to contact consumer at the phone number provided by our client but we could not establish any contact with the consumer even after subsequent attempts to contact him.3- Per the consumer's desired resolution, we have requested for the validation documents with our clients.4- Per consumer's desired resolution, we have submitted a delete request with the credit bureaus. Thank You,Harvard Collection Services.

RE: Revdex.com Complaint Case # - [redacted], [redacted]   We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: ·         The account was placed with us by our client on 03-06-17 ·         There has been no verbal contact with the consumer on the file till date ·         We received a dispute letter on 06-12-17 from the consumer stating a dispute and requesting for validation of debt ·         The account was moved to Dispute status and validation of debt was requested from the client ·         On 06-20-17 we received another dispute from the consumer ·         The verification of debt was sent to the consumer on 06-28-17 on the mailing address on file. ·         We have requested the client to send the signed copy authorizing medical records released to a collection agency. ·         The document will be mailed to the consumer as soon as we receive it. ·         The account has been submitted for credit deletion however it will be put back in the reporting cycle after 45 days of non-resolution of the account.   If I can be of further assistance please feel free to contact me directly at [redacted].   Sincerely, Harvard Collection Services