Credit Collections Bureau

I have reviewed Ms [redacted] 's account with Credit Collections Bureau Ms [redacted] has disputed the debt within the day validation period As such, proper itemization and documentation has been requested by Credit Collections Bureau from the original creditor Once that is received, it will be forwarded on to Ms [redacted] .At this time, I am considering this complaint closed.Thanks, Megan M [redacted]

Ms [redacted] Revdex.com of Minnesota & North Dakota VIA EMAIL Re: [redacted] Claim No: [redacted] Dear Ms [redacted] : I have received your email dated August 1, regarding Mr [redacted] ’s complaint Upon receipt, I investigated this matter Based on my cursory investigation, I find that Ms [redacted] has not utilized any company resources for personal use Mr [redacted] ’s has not cited any specific incident which would lead me to believe otherwise, and based on his very basic, general complaint I am unable to substantiate any of his claims Additionally, it has come to my attention that Mr [redacted] may have a personal history/issue with Ms [redacted] , which may be the motivating force behind this matter Thank you for bringing this to our attention Please do not hesitate to contact me if there is anything else I can do Very truly yours, Megan M [redacted] Attorney at Law

Ms [redacted] Revdex.com VIA EMAIL Re: [redacted] T [redacted] Dear Ms***: I have received your email dated January 17, regarding Ms***’s complaint Upon receipt, I investigated into her account with our agencyCredit Collections Bureau is not required to accept payments on a debt A payment plan is a courtesy that we do extend to our consumers If Ms [redacted] chooses to send in payments, no matter what the amount, they will be applied to her accounts Ms***’s account representative, Jens, was trying to set Ms [redacted] up on an approved payment plan to avoid small claims court Unfortunately, no agreement could be made and a lawsuit has been initiated against Ms*** Ms***’s account was notated on January 12, that she did not want any more calls at work There should be no more calls to her place of employment At this time, I am considering this matter closed Thank you for bringing this to our attention Please do not hesitate to contact me if there is anything else I can doVery truly yours, Megan M [redacted] Attorney at Law

Initial Business Response / [redacted] (1000, 8, 2016/01/06) */ Please see attached letter Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have yet to receive an itemized letter form credit collections bureauOnce I receive such a letter and can find out why they expect such a high paymentWhich I believe is fraudulentWe can work to resolve this matterAssuming the employee's don't just hang up the phone when I am asking questions Final Business Response / [redacted] (4000, 12, 2016/01/14) */ The itemization of the debt was sent to Ms [redacted] on January 7, Ms [redacted] should be in receipt of this by today's date, January Since the mailing of that information, no calls have been received from Ms [redacted] or Mr [redacted] If Ms [redacted] or Mr [redacted] wish to speak with a supervisor, they should contact Denise [redacted] at [redacted] Thank you

I am rejecting this response : I do not accept this response The harassing and bullying nature of this company has not been discussed nor dealt with It seems this distasteful behavior is being justified by an attorney Also I am pretty sure this company does, in fact do business by mail, so the statement made they don't conduct business through the mail, is false Considering she even stated I need to send a request by mail in writing in order for the no contact to be seen legally, even though they do admit to the fact that I, "MRS ***" have previously asked them not to call If a person is asked not to call anymore, and continues to call this is harassment I have also received information in the past from this company, so I am not at all buying the "we do not do business through the mail" response This company and its practices needs to be investigated further I have proof of insurance coverage at the time of this alleged debt This needs to be looked into further Thank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meWe will what the documentation have to say

A valid judgment was obtained against Mr& Ms*** in May 2016. Ms*** acknowledges that she was served with garnishment paperwork. Credit Collections Bureau complied with all applicable garnishment laws in the state of South Dakota, and her bank account was properly
garnished. After the funds were frozen from her bank account, Ms*** went and paid the original creditor the principal balance only. Ms*** is also responsible for paying all prejudgment interest, costs, and post judgment interest. Since the date of her complaint, Ms*** has been in contact with Credit Collections Bureau and has been made aware of the amounts she still owes. Credit Collections Bureau has agreed to return the balance of the funds that is longer owed, provided that the amount due for interest and costs is paid out of the amount withheld. Ms*** is in agreement with that. Once funds are received and processed, a satisfaction of judgment will be filed with the Courts. This will not be removed from her credit report because it is a valid judgment, but her credit report will show the judgment as satisfied.Thank you,Megan M***

I am rejecting this response because: Albeit my complaint is general it's next to impossible to catalog the never ending harassment brought on by MsBrandee *** in a single complaintMs*** has clearly used her job knowledge, training, resources and potentially CCB computer networks for personal reasonsThe information Ms*** has discovered with her skip tracing knowledge, etc is being used to harass people whom she has no business/CCB relationship withWhether CCB decides to look into this or not their employee is using skills and knowledge learned from CCB to harass people for her personal agendaI feel that CCB has NOT looked into Ms*** computer usage, history and files as doing so would take an extensive amount of time and effort on their part and in deciding to not do so shows me they care not to find out if people employed at CCB are using CCB assets for personal gain potentially while on company timeThank You

I have reviewed Ms. [redacted]'s account with Credit Collections Bureau.  Ms. [redacted] has disputed the debt within the 30 day validation period.  As such, proper itemization and documentation has been requested by Credit Collections Bureau from the original creditor.  Once that is...

received, it will be forwarded on to Ms. [redacted].At this time, I am considering this complaint closed.Thanks, Megan M. [redacted]

I am rejecting this response because:
I have told them on many occasions to not call me at work prior to the date they claim and it continued. I want nothing more than to reach a reasonable payment solution.

I am rejecting this response :  I do not accept this response.  The harassing and bullying nature of this company has not been discussed nor dealt with.  It seems this distasteful behavior is being justified by an attorney.  Also I am pretty sure this company does, in fact do business by mail, so the statement made they don't conduct business through the mail, is false.  Considering she even stated I need to send a request by mail in writing in order for the no contact to be seen legally, even though they do admit to the fact that I, "MRS [redacted]" have previously asked them not to call.  If a person is asked not to call anymore, and continues to call this is harassment.   I have also received information in the past from this company, so I am not at all buying the "we do not do business through the mail" response.  This company and its practices needs to be investigated further.  I have proof of insurance coverage at the time of this alleged debt.  This needs to be looked into further.  Thank you.

Initial Business Response /* (1000, 8, 2016/01/06) */
Please see attached letter.
Initial Consumer Rebuttal /* (3000, 10, 2016/01/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have yet to receive an itemized letter form credit collections bureau. Once...

I receive such a letter and can find out why they expect such a high payment. Which I believe is fraudulent. We can work to resolve this matter. Assuming the employee's don't just hang up the phone when I am asking questions.
Final Business Response /* (4000, 12, 2016/01/14) */
The itemization of the debt was sent to Ms. [redacted] on January 7, 2016. Ms. [redacted] should be in receipt of this by today's date, January 14. Since the mailing of that information, no calls have been received from Ms. [redacted] or Mr. [redacted]. If Ms. [redacted] or Mr. [redacted] wish to speak with a supervisor, they should contact Denise [redacted] at [redacted]. Thank you.

Ms. [redacted] Revdex.com VIA EMAIL   Re: [redacted] T. [redacted] Dear Ms. [redacted]: I have received your email dated January 17, 2018 regarding Ms. [redacted]’s complaint.  Upon receipt, I investigated into her account with our agency. Credit Collections Bureau is not required to accept...

payments on a debt.  A payment plan is a courtesy that we do extend to our consumers.  If Ms. [redacted] chooses to send in payments, no matter what the amount, they will be applied to her accounts.  Ms. [redacted]’s account representative, Jens, was trying to set Ms. [redacted] up on an approved payment plan to avoid small claims court.  Unfortunately, no agreement could be made and a lawsuit has been initiated against Ms. [redacted].    Ms. [redacted]’s account was notated on January 12, 2018 that she did not want any more calls at work.  There should be no more calls to her place of employment.  At this time, I am considering this matter closed.  Thank you for bringing this to our attention.  Please do not hesitate to contact me if there is anything else I can do. Very truly yours, Megan M. [redacted] Attorney at Law

I have reviewed the [redacted]'s account with Credit Collections Bureau.  Ms. [redacted] previously verbally requested a cease communications.  Under the FDCPA, the request must be in writing in order to be mandatory.  However, since Ms. [redacted] requested a cease communications, I have placed the...

account on a no contact order.  That means no further phone calls can be placed on this account unless the [redacted]s reverse that request.  We do not conduct our business via the mail, so unfortunately there will be little to no communication initiated by Credit Collections Bureau on this matter anymore.  I have also asked the account representative to check with the original creditor regarding the status of the debt and of Mr [redacted]'s communications with the medical provider.  Based on the information provided from the original creditor/client, Credit Collections Bureau will make a determination on how to proceed with this account.  At this time, I am considering this complaint closed.  Please advise if there is anything further needed from me. Thank you, Megan M. [redacted]Attorney at Law

Ms. [redacted] Revdex.com of Minnesota & North Dakota VIA EMAIL   Re: [redacted] Claim No: [redacted]   Dear Ms. [redacted]:   I have received your email dated August 1, 2016 regarding Mr. [redacted]’s complaint.  Upon receipt, I investigated this matter.  ...

  Based on my cursory investigation, I find that Ms. [redacted] has not utilized any company resources for personal use.  Mr. [redacted]’s has not cited any specific incident which would lead me to believe otherwise, and based on his very basic, general complaint I am unable to substantiate any of his claims.    Additionally, it has come to my attention that Mr. [redacted] may have a personal history/issue with Ms. [redacted], which may be the motivating force behind this matter.    Thank you for bringing this to our attention.  Please do not hesitate to contact me if there is anything else I can do.   Very truly yours, Megan M. [redacted] Attorney at Law

My notes indicate that on January 12, 2018 a note was placed in Ms. [redacted]'s account to no longer make calls to her place of employment.  As stated previously, Ms. [redacted] may send in money and it will be applied to her account.  If she wants to set up a consistent payment plan with her account representative, she can work with them to find a mutually agreed upon amount.  At this time, I am considering this matter closed.  Thank you, Megan M. [redacted]