Credit Vision

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

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 ***

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,
*** ***
The first problem is, I am a female, so that right there shows you their response to my complaint is bull crap. Second problem is, I have never spoken to anyone from this business in any way - verbal or writtenThis just mysteriously showed up on my credit report Third problem is I do not have any outstanding balance with Advance America, I called them to verify. I also filed a complaint with the FTC and they cannot even verify who this company is

Customer called in we ordered his back up docs. We asked him why he did not call us and instead file a Revdex.com complaint his answer was that he did not have our phone number. When I brought up the fact he had disputed this already with Transunion and was given our number by themHe at first stuttered and then said it was his right toNo doubt trying to clear his credit of past mistakes and since it is not going his way I am sure he is upset I will not respond to anymore of this customers claims Thank you

I remember this customer, she did call and attempt to settle the debt that she admitted to having. Said she had to get her cc or had someone there and asked me to call back. I did so and she commented that the number looked weird to her. I told her to hand up and call the
number and call back which she did not. I will await her filing of all of her complaints and when she is ready to pay her past due amount and have the account removed from her credit report she can either call the number I called her from or the number which ever works for her 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. I'm going to assume that Credit Vision thinks none of us are savvy enough to keep digital phone recordsI'm also going to assume, by all of their other responses where they blamed everything on the other victims he thinks that that none of us will be the wiser after reading these recordsEventually, again, what you are doing to people will catch up to youWe don't threaten, we take care of our family when someone threatens our well-being by using LAWFUL meansI can only hope that your other victims find this information so they can save themselves the trouble you caused usSir, I suggest you quit the lying and re-aging, because it only takes a magic number before the Federal Trade commission comes after youYou are shameful to expect us to be labeled as the cause in your scamYou know you spoke to us, and you will answer to someone else for what you are doingNot usWe are all reading the other complaints and putting and togetherTake responsibility for what you are doing to families People you are hurting do have the means to investigate the person hurting their families and find out everythingYou should keep that in mind when you are always denying having spoken to people, people will catch on to itYou can't lawfully re-age anyone's debts after years, even if it was oursWe traced back to who you got your info fromWe spoke to the State Comptroller and Attorney General after you hung up on meYou might want to renew the documents that make you legally allowed to do the job you are doing under that name before you try to ruin anyone else's lives again.I see that this was removed from my credit, but that doesn't exonerate you in your dealingsWhat we ultimately want is for you to remove everyone's that you re-agedYou know it is the right thing to doWe also want you to take responsibility and stop telling the Revdex.com they aren't calling you when we all have so obviously had a similar experience on the phoneMaybe try apologizing to these peopleDo some good and redeem yourself.
Regards,
*** ***

We do not call accounts so his claims we are calling his is false, he called here on 08/telling us to delete the account from his credit report because he called cash net and they refused to send him another copy of his loan agreement. The loan is not years old it was opened
05/13/2011 while he was working for *** *** ***. We sent the account back to the Client on 08/after his call and claim it was not his. We of course, as always, tell people to make an id theft complaint to the police. I also notice he says he called the Sheriffs Department and was told they would not do anything. If he could provide the Department name and the Officer he spoke with I would be happy to call them for him to get the claim started for him The account is closed here since 08/as stated above

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
I do not have a washer and dryer rental through them my name is wrong and I have my appliances financed through a completely different placeI need them to completely remove my name from their system.
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Well it was hand delted in May on the 11th and batch deleted on 06/06, if he got his report on the 29th I would guess it would still be there but he needs to call *** *** about that. We did what we promised to do and if it did not happen as quick as he wanted he is going to have to argue with *** *** about thatHe has the audit control number so he should call them give them the date and the number and ask them why it took them a few days to process itIt has been deleted and I cant believe we are communicating with him at all , this is the end of July *** *** is who he should be calling my bet is they don’t even have a record of it anymore but at least he might get the answer he wants to hear

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.I totally disagree with their assessmentThey called our home non stop for days and weeks and I asked them to submit to me a copy of the alledged loan I was supposed to have taken out and they neverDon't you think that if that had such a copy they would gladly send it to me? When I asked for the number of the loan company, they gave me one and I called Cashnet and they said this company was a scam and I do not have any loans through themThe last letter I sent to them was returned just yesterday as no such addressI want this off my credit report. These people change their story so muchIt was twenty years ago and now it was several years agoTheir stories doesn't jive and the very next phone call I get from them I am recordingThey hide behind various numbers and I have blocked at least numbers
Regards,
*** ***

*** *** never called in, he disputed the account with *** *** on several dif occasions, never once did he call or speak to anyone. Never once did was he told anything at all. On his last dispute to *** *** he had them call us we deleted it the next day which is close to
days ago. He used words and terms like re againg etc in all of his disputes, he threatened to sue, used ever credit repair tool there is in the books and got his credit clean But once again he never once called and never once spoke to anyone. So much time was wasted on his complaints we delted it. He even admits it is him and he did not repay the money he owed in the complaint but once again he complains. Even after the account is closed and deleted from his credit report he complains. Nothing more we can do for him we have deleted the account. Also had he been trying to get a mtg the company would have called us as they do in percent of mtg applications and again no one called on his behalf either One simple call to us in the beginning would have helped him clear it up, if his claims are true to his call and his claims that someone told him the account was re aged why would we not have deleted it that day? Credit repair at its finest

We had received her complaint in the past, the company bond is in place and the company is in good standing with the state. As to her account it was closed, deleted from her credit report and returned to the rental company over a month agoThank you

Complaint: ***
I am rejecting this response because:
Multiple inaccuracies in this response from this Business will be addressed belowBe advised, this Business has been reported to multiple financial governing agenciesConsidering the number of complaints that this Business already accumulated on Revdex.com and the current Revdex.com score of D+, it is no wonder that this Business has so many complaints to Revdex.com regarding its business practicesFor convenience, the following quotation is taken directly from the Revdex.com website as it pertains to Credit Vision:“Revdex.com files indicate that this business has a pattern of complaints concerning Billing and Service issuesSpecifically, some consumers allege discovering credit entries on their credit report from Credit Vision or open accounts alleging a debt Consumer allege contacting the business regarding the credit report entries and alleged debt When questions are asked the business will not validate nor provide information pertaining to the debts Revdex.com sent certified correspondence to the business May requesting their voluntary cooperation in eliminating the pattern of customer complaintThe certified correspondence has been returned ‘unclaimed’. “Regarding the phone calls during this week and be advised, conversations between Consumer and this Business have been recorded: On Monday, October 24,,2016, a representative from a mortgage company did call this Business to verify information, not ownership of the account in questionThis is the same date on which the Consumer was first made aware of this erroneous account on his credit reportOn Tuesday, October 25, 2016, the Consumer’s spouse did call this Business and was unable to give or receive any pertinent information because the Representative verbally assaulted her before hanging up on herThe Representative’s comments regarding the Consumer’s spouse is greatly exaggeratedThree further calls attempted on this date were met with the following automated message: “You have a reached a call source number that is no longer in service, please check the number you have dialed.” On Wednesday, October 26, 2016, the Consumer’s spouse called the Business again and reached the same “out of service” messageThese occurrences lead the Consumer to believe that the Consumer’s phone number was being blocked so that the Business could continue to avoid acknowledgement of faulty credit reportingWhen the Consumer used another phone line to call the Business, it’s Representative was provided with the Consumer’s current contact informationThe Business Representative verbally stated to Consumer that there have been a total of nine disputes on this accountIn fact, this account has only been disputed by Consumer twice since being made aware of its existence on Monday, October 24, No correspondence has ever been received by Consumer from this Business and Consumer has never contacted this agency in any form prior to Monday, October 24, The Representative stated “we’ll send documents one more time but we don’t usually send documents more than one time because after that we call it a frivolous dispute because people do it over and overBut I’ll do it one more time because there’s been so many calls about it and we need to stop the calls and conversations because the conversations are costing us money every time they call in hereAnd once he gets the documents again and sees his name on it and the application and remembers it then he will have to pay the full balance and no settlements because settlements were already offered and this account will fall off his record in March.” Also, be advised that when asked, this Representative would not give any identifying information regarding the account such as original creditor and he would not provide his own nameOnce again, no correspondence from this Business has ever been received by Consumer and no correspondence has been sent to this BusinessIt is the Consumer’s opinion that the Business cannot provide any proof of ownershipHowever, the Consumer is anxiously waiting to receive aforementioned documents and the removal of the account from his credit report as promised by this BusinessIt is suggested to this Business to follow standard protocol when attempting to collect any debt by utilizing USPS registered mail with return receiptOnce again, Consumer has never seen any correspondence regarding this account
Regards,
*** ***

Confusing complaint, first he says he is told he owes us money, he , in turn, says he talked to the credit bureau and they have no record so I am not sure who is telling him he owes us money. If it is a court that is telling him he would need to contact the court. Also note we have no
*** *** in our system at all. We have over customers with the name *** but *** is not one of themIt never says he called here, never said he wrote us. He goes on to say there are a lot of complaints against us, well that no doubt comes from some credit repair chat board. No doubt a great place to get information fromNot going to advise him what to do about this, he could I am sure get with the chat board and get information on how to dispute a debt with the credit bureaus or as he calls them “a third party” Best of luck to *** *** but sorry, we don’t have him in our system so can not help himCredit repair can be tough he might want to ask a professional on how to go about clearing his past

We are very much aware of ** *** continued pleas to have this removed from her credit report. She is also aware of the countless calls, letters and attempted communication from *** *** for over two years to return the rental equipment and to pay the past due balance that
remainsThe account will come off her credit report when she calls in, schedules a pick up of the rental equipment and or pays the past due balance. She has our number and she has the number of *** *** and also the number of the collection agency in HoustonShe is free to call us at *** to discuss this matter at any time. Please note that over the last two years the total amount of calls (to the number she has given you no less) is over 50. She is well aware of the equipment rental, she is well aware of the every part of the amounts owed and she is also aware of the times people have attempted to contact herAll parties are willing to help her resolve this issue, even with a payment plan, to get the remark off of her credit report but it starts with her callingThank 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,
*** ***
The first problem is, I am a female, so that right there shows you their response to my complaint is bull crap. Second problem is, I have never spoken to anyone from this business in any way - verbal or writtenThis just mysteriously showed up on my credit report Third problem is I do not have any outstanding balance with Advance America, I called them to verify. I also filed a complaint with the FTC and they cannot even verify who this company is.

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. ***

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,
*** ***

Well it was hand delted in May on the 11th and batch deleted on 06/06, if he got his report on the 29th I would guess it would still be there but he needs to call *** *** about that. We did what we promised to do and if it did not happen as quick as he wanted he is going to have to argue with *** *** about thatHe has the audit control number so he should call them give them the date and the number and ask them why it took them a few days to process itIt has been deleted and I cant believe we are communicating with him at all , this is the end of July *** *** is who he should be calling my bet is they don’t even have a record of it anymore but at least he might get the answer he wants to hear

We have returned these accounts to the client due to no original documents avail. This account has been deleted and closed out