Credit Solutions Corp

First there were only two calls made to Mrs [redacted] 's work, on an answering machine came on and no message was leftAgain we did not ask for her SSN, we already have it, our representative did try and verify the last four to ensure we have the right place of work for the right personWe have reviewed the call records and recordingsSecond we have stated that Mrs [redacted] does not wish any more calls regarding her debt to [redacted] and there will be none, but if she decides to resolve one or both of her accounts, she may contact us and we will be glad to assist her, otherwise she will have no contact from us and I don't know what more we can do beyond thatIf the Revdex.com or Mrs [redacted] have any further questions please contact me personally at [redacted] ext***.? [redacted] Quality Control/Compliance OfficerCredit Solutions Corp [redacted] ext***Direct [redacted] ***

We have reviewed Mr [redacted] 's reply and can assure you we do have his account and should recall American HeritageOnce his account is paid we will notify American Heritage and they will update his credit profileCredit Solutions Corp is not currently reporting the debt on his credit history, due to the fact we do not report a debt for days after receiving it, the days will expire in JanuaryWe did offer MrUpsure a settlement to close his accounts as stated in the letter we sent him, that offer will expire on 12/31/And as stated in our previous response we are waiting for the documentation from American Heritage and will forward it to Mr [redacted] as soon as we receive itIf you have any further questions please contact me personally at (800) - ext***.Sincerely, [redacted] Quality Control/Compliance OfficerCredit Solutions Corp

Mrs [redacted] was called at her place of employment in the pursuit of trying to collect a debt she owes to [redacted] ***Our representative did not ask for any confidential information only tried to determine if we had the correct place of employment, we already have that information and would not need it from her companyWe did speak to Mrs [redacted] and she informed us she does not want calls to her place of employment and there have not been any more and there will not be anyThe debt per [redacted] is valid and if Mrs [redacted] wishes to resolve it we will be glad to assist herIf you or Mrs [redacted] have any further questions please contact me personally at [redacted] ext***.? [redacted] Quality Control/Compliance OfficerCredit Solutions Corp [redacted] ext***Direct [redacted] ***

We have received and investigated the complaint from Mr***First he is aware of the debts since they were reported to his credit report in 2014, we also first spoke to him on 12/16/He stated he didn't feel he should have to pay for something he did not have since one of the accounts is for a auto deficiency, the other being a charged off credit card, but he has been aware of the debts which originated through [redacted] ***As far as not responding to Mr***'s request for validation, we have received two letters from him requesting validation on his accountsThe first was received on 03/17/and the second was received 03/21/16, we are allowed thirty days by law to respond to his request, we have asked for the information from [redacted] and will send it via certified mail as soon as we receive itMr [redacted] has asked for us to cease and desist from contacting him and we will do so, outside of sending him the validation he requestedOur ceasing contact with him will not resolve the debts he owes nor will it remove Credit Solutions or [redacted] from his credit reportIf you or Mr [redacted] have any further question please contact me personally at [redacted] ext***.Sincerely, [redacted] Quality Control/Compliance OfficerCredit Solutions Corp? ? ?

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint.? For your reference, details of the offer I reviewed appear below The debt is invalidI have all original documentation disputing this claimThe debt is also past the statute of limitations.? Regards, [redacted] ***

we have reviewed Mr***'s complaint regarding his account with usIt originated with [redacted] it is the deficiency amount left over from his [redacted] and the reporting status was updated by [redacted] when they sold the account to Credit Solutions CorpWe held the account days before reporting it, sent a letter to the address we had as required by lawWe are not required to notify someone before we report an account to the credit bureaus, [redacted] was already on there as a negative (charge off)the account was placed with our legal department after he spoke with one of our representatives and refused to pay his account, Mr [redacted] was never threatened with a lawsuitwe have received his request for validation of his debt on 11/05/and have requested the validating information from [redacted] and will forward it to Mr [redacted] as soon as we receive it and within the day dispute period given by lawIf the Revdex.com or Mr [redacted] have any further questions please contact me personally at [redacted] ext***

We have reviewed and investigated Mrs [redacted] 's complaintFirst after reviewing our call records there were no calls before am or after pm, we are in the same time zone as Mrs [redacted] and the office only open from am to pm, and calls can be made up until pm FYIAlso no information was disclosed to her place of employment a call was made for location purposes which is legal under the FDCPAAs far as the account being worked by [redacted] it is notWe verified with [redacted] that the account was closed and recalled from them on 08/23/before it was sent to Credit Solutions CorpIf you or Mrs [redacted] have any further questions or Mrs [redacted] wishes to resolve her debt please contact me personally at [redacted] ext***Sincerely,? [redacted] Quality Control/Compliance OfficerCredit Solutions Corp?

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This is unacceptable and inaccurate, I WAS threatened with legal action through an attorney over the phone, I AM IN FACT LEGALLY REQUIRED TO BE NOTIFIED BEFORE a collection agency reports me to a consumer reporting agency, this is PARKING OLD DEBT, and this is a lie I will be contacting the phone number listed Regards, [redacted] ***

we have spoken with Mr. [redacted] and have said we will obtain the validation and forward it to him to validate his debt. And again we have followed the Law in reporting Mr. ***'s debt, if he feels there is an error he should contact the credit reporting agencies and they will inform him we did it legally.

We have received the complaint from Mr [redacted] and have investigatedThe debt originated with [redacted] as a vehicle loanWe contacted the Credit Union for information on the accountIt is true there was a settlement on the account, for $8,to resolve it, the dealership (*** [redacted] ) was to pay $7,and Mr [redacted] was to pay $1,The dealership paid their portion of $7,000.00, unfortunately Mr [redacted] only paid $toward his portion of the settlementthe car was released to the dealership but since Mr [redacted] did not pay his portion the settlement expired and the remaining balance is now due on the account, had he paid his portion the account would have been closedIf you or Mr [redacted] have any further questions please contact me personally at [redacted] ext***.Sincerely, [redacted] Quality Control/Compliance OfficerCredit Solutions Corp

First there were only two calls made to Mrs***'s work, on an answering machine came on and no message was leftAgain we did not ask for her SSN, we already have it, our representative did try and verify the last four to ensure we have the right place of work for the right personWe have reviewed the call records and recordingsSecond we have stated that Mrs*** does not wish any more calls regarding her debt to *** *** *** and there will be none, but if she decides to resolve one or both of her accounts, she may contact us and we will be glad to assist her, otherwise she will have no contact from us and I don't know what more we can do beyond thatIf the Revdex.com or Mrs*** have any further questions please contact me personally at *** *** ext***. *** ***Quality Control/Compliance OfficerCredit Solutions Corp*** *** * *** ext***Direct *** *** * ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The debt is invalidI have all original documentation disputing this claimThe debt is also past the statute of limitations.
Regards,
*** ***

We have received and investigated the complaint from Mr***First he is aware of the debts since they were reported to his credit report in 2014, we also first spoke to him on 12/16/He stated he didn't feel he should have to pay for something he did not have since one of the accounts is for a
auto deficiency, the other being a charged off credit card, but he has been aware of the debts which originated through *** *** *** *** ***As far as not responding to Mr***'s request for validation, we have received two letters from him requesting validation on his accountsThe first was received on 03/17/and the second was received 03/21/16, we are allowed thirty days by law to respond to his request, we have asked for the information from *** *** *** and will send it via certified mail as soon as we receive itMr*** has asked for us to cease and desist from contacting him and we will do so, outside of sending him the validation he requestedOur ceasing contact with him will not resolve the debts he owes nor will it remove Credit Solutions or *** *** *** from his credit reportIf you or Mr*** have any further question please contact me personally at *** *** * *** ext***.Sincerely,*** ***Quality Control/Compliance OfficerCredit Solutions Corp

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
This is falseAs previously stated this business called my employer three times in week before speaking to meThis business did indeed ask my co workers for my social security before speaking to meThis is harassment

Mrs*** was called at her place of employment in the pursuit of trying to collect a debt she owes to *** *** *** *** ***Our representative did not ask for any confidential information only tried to determine if we had the correct place of employment, we already have that
information and would not need it from her companyWe did speak to Mrs*** and she informed us she does not want calls to her place of employment and there have not been any more and there will not be anyThe debt per *** *** *** is valid and if Mrs*** wishes to resolve it we will be glad to assist herIf you or Mrs*** have any further questions please contact me personally at *** *** * *** ext***. *** ***Quality Control/Compliance OfficerCredit Solutions Corp*** *** * *** ext***Direct *** *** * ***

We are sorry for how Mr*** was treated, but you have the wrong companyAs Mr*** stated in his complaint he was called by CREDIT CORP SOLUTIONS,we are CREDIT SOLUTIONS CORP, a completely different company and not associated with them at allIn addition we do not use an auto dial systemIf
you have any further questions please contact me personally at *** *** * *** *** ***. Sincerely*** ***Quality Control/Compliance OfficerCredit Solutions Corp

We have received the complaint from Mr*** and have investigatedThe debt originated with *** *** *** as a vehicle loanWe contacted the Credit Union for information on the accountIt is true there was a settlement on the account, for $8,to resolve it, the dealership (***
***) was to pay $7,and Mr*** was to pay $1,The dealership paid their portion of $7,000.00, unfortunately Mr*** only paid $toward his portion of the settlementthe car was released to the dealership but since Mr*** did not pay his portion the settlement expired and the remaining balance is now due on the account, had he paid his portion the account would have been closedIf you or Mr*** have any further questions please contact me personally at *** *** * *** ext***.Sincerely,*** ***Quality Control/Compliance OfficerCredit Solutions Corp

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
This is falseAs previously stated this business called my employer three times in week before speaking to meThis business did indeed ask my co workers for my social security before speaking to meThis is harassment.

We have received and investigated the complaint from Mr***First he is aware of the debts since they were reported to his credit report in 2014, we also first spoke to him on 12/16/He stated he didn't feel he should have to pay for something he did not have since one of the accounts is for a
auto deficiency, the other being a charged off credit card, but he has been aware of the debts which originated through *** *** *** *** ***As far as not responding to Mr***'s request for validation, we have received two letters from him requesting validation on his accountsThe first was received on 03/17/and the second was received 03/21/16, we are allowed thirty days by law to respond to his request, we have asked for the information from *** *** *** and will send it via certified mail as soon as we receive itMr*** has asked for us to cease and desist from contacting him and we will do so, outside of sending him the validation he requestedOur ceasing contact with him will not resolve the debts he owes nor will it remove Credit Solutions or *** *** *** from his credit reportIf you or Mr*** have any further question please contact me personally at *** *** * *** ext***.Sincerely,*** ***Quality Control/Compliance OfficerCredit Solutions Corp

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is not correct, I did, however, inform them that their initial response was erroneous in that I NEVER REFUSED TO PAY if this is in fact a legal collection attempt, and sent a fax informing them of my intent to settle the matter with them should they be able to prove that this attempt is legal which IT ISN'T. Sending a letter to the "best presumed address" before reporting me to the CRAs does not constitute adherence to the FCRA or FDCPA. The person I spoke to on the phone was adversarial and abrasive in tone, then tried to guilt-trip me into paying this debt by saying "This is a valid collection, you know it is, we know it is, you bought a car, it was repossessed, this covers the difference", as if I'm supposed to be ashamed of myself. That is typical Debt collector tactics, and I'm not buying into it, this debt, as of earlier this year, was reported as a CHARGE OFF with NO OUTSTANDING BALANCE, now it shows up as a NEW DEBT as of 10/15, that's parking OLD DEBT and is illegal. I will not take this, I've also filed a complaint with the Consumer Financial Protection Bureau, who strangely enough hasn't reported that they've responded, because they have NO PROOF OF STANDING, this is an illegal attempt, and the only thing they MAY be able to provide in days is a contract between me and a separate company for debt that company already CHARGED OFF IN FULL, until this new company stepped in.
Regards,
*** ***