Credit Vision

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.The statement that I have been sent letters about this account since is absolutely FALSE! According to what is shown on my credit report for this account it was not opened until The statement that I have spoken to someone and refused to pay is absolutely FALSE! I have never spoken to any collection agency about this debt and have no knowledge of the original account.I am attempting to rectify this situation and would like to establish written communication with this businessGiven that I have received no letters from Credit Vision, it would seem they do not have the correct address on file for meI WOULD like to sent a copy of the original notification letter that was supposedly sent to me back in This can be sent to me by mail at: *** *** *** *** ** *** I would also like you to send an address for your business that accepts certified mailIf you do not receive certified mail PLEASE disclose thisI will NOT be coerced into having an undocumented phone conversation with youI wish to present my questions to you via a letter and expect that you provide an address for me to do so.
Regards,
*** ***

Never spoken with us so we might start by the customer calling us at *** to discuss his or her account Without the customer bringing up the specific creditor we are not allowed to bring it up to the Revdex.com or anyone for that matter. The creditor is listed on their credit report
unless they are using a free service like *** ***The simple way to help this customer is to simply ask them to call us

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.
Regards,
*** *** If the account as they claim has been closed and deleted why did they make entry in credit bureau? They have no original signed documents and even if they did the stature of limitations have long passedAll I ask is the entries be removed

I challenge the customer to call in and request the documents. We have sent a total of letters over the last years and no response. When you want to validate a debt you simply call in. ***

We hold a Direct Merchants Mastercard that the customer maintained and defaulted on. She can call us any day M-F 9am-5pmShe has never called us, not sure she means what “tried to contact” means, I am guessing it is a credit repair letter she has written that gets no attention at allShe can
call *** and discuss the accountOnce again the customer has never called or made any attempt to contact us. It is also important to note that it has been on her credit for years, that once again, it has been on her credit report for six yearsThank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***
Because this is total crap and doesn't even respond to what I previously statedI DO NOT have any account with this companyThey need to be shut downI will be moving forward with trying to get help from the FTC so I can sue this company.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

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.
Regards,
*** ***

Customers wife contacted us in may of and the account was deleted the next day. She is again asking for a letter which is going out to her via email today but account has been closed and deleted just days after her first email to us Thank you

We did not have the account until early may of this year, we have one number and there are no outgoing calls here at all. This center handles inbound calls only. Once again I encourage you to call your local Sheriff back, as you claim to have called them already, and have them call me direct at the number you found on your credit report in June I invite, encourage and am looking forward to the Sheriff calling so he can convince you we never called you ever If another company called you over the years because of this account I can not speak for them nor do I have the slightest idea of who it may have been but one thing I can promise you is we did not call you. You called us, did not hear what you wanted to hear and wrote this complaint

Aspire credit card, lower balance than shows on the credit report due to contractual interest we must report but we never charge it. Customer sent several letters over the years and has never once contacted us to inquire about the accountNot sure why she would file a Revdex.com complaint as we have
never spoken to her. She is welcome to call us and discuss. 800-783-9160 And I am not sure as to her reference to “these companies” unless she has other things on her report that she questions

He can call my direct number *** to resolve this

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my disputeName listed on the account is as follows: *** *** If you are unable to find an account under this name, then please remove it from my credit report
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.With the history of complaints against your business, why would anyone deal with you without a third party involved? And why are you so mad a third party is involved? You confirmed you can not be communicated with yesterday by yelling and belittling me on the phone when I did call you, prior to you hanging up on me.Why are you so mad? FCRA violations maybe?I called you, and you have not validated anything yet, and apparently never have.I will be requesting my CDF while I wait on you
Regards,
We are waiting

Customer seems to have done research but failed to call us. To move forward that is what they should do We are open 9-M-F and would be happy to help them resolve this matter. As to the date we got the account here in and tried to settle the account through letters and
calls but the customer could not be located. We keep accounts three years before we report it to their credit to help them. The date is the open date on the credit report not the day we got the account. We tried for years to help the customer resolve this account before putting it on their credit report but they would not respond to help and now I see this complaint as nothing more than a way to attempt to get out of the debt and clear their credit ***

We did respond to this once before however will do again, the account was sent back to the client when she filed the first complaint. We provided you with all the information pertaining to open date and the Picatany Federal Credit Union where the funds were wired. I would say the
best route for her to take is to file a stolen ID report with her local police department let them contact us and we will provide them with the original checking account number and they will track down whoever stole the money in her name. Advance America is not a fraud they are a payday loan company open and doing quite well. Here is their link https://www.advanceamerica.net/ To be clear, we have closed the account out and returned it to the client. We have deleted it from the customers credit report but it will pop up again until such time as she follows up with a police report. Not from us but it will show up again. When your ident is stolen that is the only way to get things cleared up, file a police report

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***
I am rejecting this response because it is completely inaccurate and also means that the person did not read my complaint at all Never once in my complaint did I say that I called Credit Vision They called me and yes, a male from that location contacted me twicein I also have contacted Appliance warehouse, as stated in the complaint, and they have confirmed that they did pick up the appliance from the apartment complexAlso, it is evident that Credit Vision is not reading the complaints and is just responding without reading it.Clearly, in my complaint, I stated that the apartment confirmed that Appliance Warehouse did pick up the appliance, so why would I need to file a complaint with the police department? I never mentioned anything about my ID being stolen I specially mention that a representativefrom Credit Vision (male) called and said I had possession of this equipment Here is my quote from the complaint, "The last time I spoke with someone at this company, they claimed that I was in possession of a washer/dryer in which was left at the Savoy apartmentsThe management their verified that they were in possession of itI was informed to leave it there by appliance warehouse and they would come and retrieve itI did as they requested and have emails to prove what they asked me to doThe gentleman on the phone said that I owe them close to a $for the appliance because they were not thereI was informed by management, that Appliance warehouse did pick them upI gave him the management number to the apt complex and I never heard from him againWhen I spoke to Appliance Warehouse they confirmed they were picked up." So again, why would I need to file a police report for something that was picked up and confirmed to be picked up from the management at The Savoy Apartments Also she stated that letters were never sent to Credit Vision Please see tracking number *** via USPS All that I ask is that you read my complaint before responding I am still clueless as to where I would need to contact someone about my ID being stolen
Revdex.com*** ***
*** *** *** *** ***
*** ** ***
Dear *** *** :
This letter is in regards to your complaint submitted on 9/18/9:23:PM against CREDIT VISION and assigned complaint ID ***
The business response is either below or attached. You have calendar days to submit your response back to the Revdex.comIf no response is received, we will assume that your complaint has been resolved
The text of your dispute may be publicly posted on the Revdex.com website (Revdex.com reserves the right to not post in accordance with Revdex.com policy)Please do not include any personally identifiable information in describing the nature of your complaintBy submitting your complaint, you are representing that it is a truthful account of your experience with the businessRevdex.com may redact your complaint to protect privacy rights and to remove inappropriate language
If you have any questions, please contact us at *** between 9:a.mand 4:p.mor by email at [email protected]
Regards,
*** ***
Dispute Resolution, Ad Review
*** *** ***
MESSAGE FROM BUSINESS:
I advised customer to report this as id theft because of this statement. “Recently I started looking at my credit report and upon pulling it, I found that this company was reporting that I had a collection account with themAs I have no record of such transaction, I sent this company a letter asking for validation of this debt per the FDCPA and recently I received this letter back as undeliveredI then dispute this account on my credit report as not belong to me and it came back as verified, I am unsure as to how they verified this account and I do not have any knowledge of owing this company a dime.” The customer was in fact in collections, as he was aware, when we attempted to repo the units on two separate dates. The units were recovered if he needs a copy of his payment history he can call in I can not give BB the payment history as it contains digits from his credit card number. Once again, as in the first response he can call here or direct to Appliance Warehouse to resolve this matter. Thank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***
I have no response for Credit Vision. I will now be filing complaints with FTC and Attorney Generals office regarding this complaint

Customer called in on 08/she verified all information, Her work at the time, BCD Travel, her Bank at the time and the account number. No one told her we sent letters from here but when looking at the notes on the original account she had been sent letters since she took out the loan
Account was closed and returned to the client as once we prove up a debt to a customer but they refuse to pay we do not pursue them. Account has been closed and deleted since 08/ The August 12th contact was the one and only contact anyone has had with her since she borrowed the money