Credit Vision

? There is no [redacted] in the system there is a Larry Durst we deleted on 10/due to a credit repair company so if it is the same person the account has been deletedMy bet it is the same person there is only people with that last name in the system.? ? ? 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,
*** ***
They have removed from my credit report so I am very happy about that but they are lying! ? I never confirmed that I had a bank account with the bank they stated I had received money in and I never confirmed that I took money from Advance American? I had disputed both? Advance American confirmed I never had an account and that they do not use Credit Vision for collectionsHe was the one that told me about the letters sent and asked why I did not respond? So although this is resolved being that it was taken off my credit reportI would like my reply noted to what information he gave you was not accurate? Thank you for you assistance and I do consider resolved.?

No I am not, he has never called here, he may call US Bank his original checking account number is [redacted]? If they cant help him please have him call here.? [redacted]? It was a checking account US Bank is still open and if he did not open the checking account he
should call the police department in his area and file a stolen ID report.? Nothing else in the notes as he has never called here and we have never spoken to him.? There is? no information to speak or comment on in his notes as, once again he has never called here, he has never responded to any mail and we did get return mail from his address over a year agoIf it is on his credit report we can take care of it but of course I would encourage him to call there first if he does not remember the account they can provide him with copies of his returned checks that added up to the balance on his report? ? ? Nothing more on this account to offer

Complaint: ***
I am rejecting this response because: I did speak with *** on 4/26/when he did advise me that the debt was paidHe sent me an email response on 4/26/so the date of 5/9/that it was the first time I called was not trueAlso I am NOT using any 3rd party apps to obtain my credit report I RECIEVED my credit report on 5/19/and it does still show that they are reporting
Regards,
*** ***

Customer has never phoned in or written a letter that was received but he can call in 9am ??" 5pm to speak with us.? He can also, as he is aware, call Appliance Warehouse Direct and from either us or them he can get a copy of? the receipt when he signed for the equipment.? If he had
called in he would have been asked to file a police report for stolen ID and once that was done it would be deleted from his report.? This account will remain in collections until he does so.? When you ID is stolen you call the police not the credit reporting companies

Complaint: [redacted]
I am rejecting this response because: First of all I'm a woman, not a he, also? I never received all the docs and required FDCPA notices that? CREDIT VISION INC" Company allege they sent with no proof , no one said they're to send certified mail, but courts have held that:A “strong presumption” of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt.? Santana Gonzalez vAtt’y Gen., F.3d 274, (3d Cir2007) (emphasis added)A “weaker presumption” arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated.Also, I have no agreement or sign contract with Credit Vision under Texas contract law, but continue collection action which is a $violation"Also, As discussed previously in my letter to Credit Vision, an FDCPA claim has nothing to do with whether the underlying debt is valid.An FDCPA claim concerns the method of collecting the debtIt does not arise out of the transaction creating the debt [.] Azar, FSuppat Footnote: See U.S.C§ 1692k (governing civil liability under the ActSo, if not immediately removed from any and all credit reports I will go foward with my legal remedies, due to the TDCPA(TexasDebtCollectionPracticesAct)/FDCPA,FCRA swiftly!
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
[redacted]
If Credit Vision reads
my complaint, I listed the steps I did to validate a debt that I knew nothing
about? The guy who called from credit vision said I was in possession of these
items? He never and I mean NEVER informed me that I had an outstanding
debt
Please have Credit
Vision provide you with the recording of that conversation and you will confirm
what I am saying? He stated that I owed nearly $for taking their
equipment? I also stated that I had no knowledge of owing them a dime and
that is?
absolutely correct
? I have asked several times that if I owe $to Credit Vision or
Appliance warehouse to please provide me with a list of those charges and I
would be more than happy to pay them? However, I will not let Credit
Vision tell me that?
I have Appliance
Warehouse equipment and owe them nearly $and then turn around and put on
my credit report that I now owe them $? Which one is it? ? Also I
think Credit Vision goal is to set out to prove that consumers are lying when
in fact
they are not even
reading the consumers complaints? Again, I was not aware of any debt to
Appliance warehouse until recently? Also they stated? "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." ? This is clearly as far from the
truth as anything I have heard? Actually, Appliance Warehouse was
supposed to come and pick up their appliance on the day before I move
? They called and said they had to reschedule the pickup because their
appliance truck broke down? I informed them that I could not stay in the
apt any long because I had to move out? They then asked me to call the
apartment?
manager and asked could
they store them somewhere until they could pick them up? The apartment
manager by the name of [redacted], said that they could leave them there while
they prepare the apartment for the next tenant? I informed appliance
warehouse? Please see attachment of Appliance warehouse rescheduling the pickup
?
?
While Credit Vision is
spending all of this time trying to debate consumers and prove them wrong, they
should spend that same amount of time trying to listen to the consumers and
understand the facts
?
Again, if I owe Credit
Vision or Appliance Warehouse anything, please send me something validating the
charges and I will be more than happy to pay? However, I will not allow
them to call and say I owe nearly $for equipment that they assumed I took
and then come back? and say I owe them $? If I owed $when
Credit Visions representative called me in 2013, then he should have validated
the charges and they would have been paid? Don't just call consumers
trying to? hassle? them out of money when you know they don't owe
that.?
?
Please see attached the
confirmations of the order pickups and changes that Appliance Warehouse
requested? So yes, I was available for them to pick them up initially
but APPLIANCE WAREHOUSE made the change, not me.?
?
?
I employ Credit Vision
to try and listen to consumers instead of trying to prove them wrong

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

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.?
Regards,
[redacted] 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.?

Complaint: [redacted]
I am rejecting this response because:Credit Vision claims they have no record of me in their systemThis is confusing to meWhile Equifax and Experian have nothing listed from them I have a CreditWise and Transunion report that lists Credit Vision as saying I owe over $2,from a loan taken out Oct10, (I have attached a copy of this report)If, as Credit Vision says, they have no record of me in their system why does this debt show up on Transunion and CreditWise? I never took out any loans in 2013.? I am not sure why Credit Vision finds my complaint confusingI have given the reasons clearlyAs the attachment shows, Credit Vision has reported to Transunion that I owe money for a loan I have never taken outThis is damaging to my credit.? Credit Vision says the complaints against them must come from a "credit repair chat board" and then say condescendingly "No doubt a great place to get information." The more than complaints I read against Credit Vision came straight from the Revdex.com web site.Now I have given more than enough proof that Credit Vision has made a report against me and that report is, shall we say, inaccurate.All I am asking is that this erroneous report be erasedGoneNot just made a "charge-off" as this still adversely affects ones credit
Regards,
[redacted]

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

Revdex.com:
I have
reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
[redacted]
if account is being closed that is fine but I have not received any kind of proof that this debt is mine from email or postal mail

No I am not, he has never called here, he may call US Bank his original checking account number is [redacted]  If they cant help him please have him call here.  [redacted]  It was a checking account US Bank is still open and if he did not open the checking account he...

should call the police department in his area and file a stolen ID report.  Nothing else in the notes as he has never called here and we have never spoken to him.  There is  no information to speak or comment on in his notes as, once again he has never called here, he has never responded to any mail and we did get return mail from his address over a year ago. If it is on his credit report we can take care of it but of course I would encourage him to call there first if he does not remember the account they can provide him with copies of his returned checks that added up to the balance on his report.       Nothing more on this account to offer.

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

For the customer to get information on this debt it would help them to call either us or the Police and file an id theft report.? If they choose to call us we will furnish them with any information we have to help them clear their credit of this matter.? We are open M-F 9am-5pm Central
Time.? ? We are here to help and the phone number is [redacted], toll free will not cost the customer to call

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 ago. Thank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
Regards,
[redacted] I contacted Credit Vision 8/31/and spoke with a maleI am assuming this was [redacted] who responsed back to my Revdex.com complaintIt took him several tries to even? find my name in his systemOnce he pulled up my information I asked him why was I never contacted to resolve this issue before it was put on my credit reportHe explained they tried sending a letter to an address I have not had over years and an email that was for an old employerI asked whether they had a phone number on file and he explained noI informed him I was willing to settle and how much that would beHe stated $I replied with no because that was not the amount of this loanHe then called me a liar by saying that I told him this was not my account which I never repliedI am willing to pay the account which I told him but not more than the loan was forHe stated that they will go through the process with the Revdex.com because I had already made a complaintHe would get all the information I requestedI gave him my email address to send all information to meI asked again for a settlement amount and he then started to get real nasty over the phone and proceeded to yell at me then stated he was no longer going to talk to meI then got upset and asked whether he wanted me to pay this bill or let it sit on my credit reportHe agreed he wanted it paid I asked for a settlement amount again and he then got even more upset and said this could sit on my credit report forever he didn't careHe then said a few more choice words and hung up on meI tried to call him back and got no answerThen I tried calling My Web Funds which is the original creditor? at [redacted]? ( this was disconnected ) and [redacted]? ( was another company? )I would rather deal with? My Web Funds rather than Credit Vision because they are trying to make more money than what? was borrowed also? there were? payments made to? My Web Funds that are not being reflected thru Credit VisionIf? Credit Vision will take what is actually owed I? am willing to pay that so this nonsense can be removed from my credit report immeddiately.?

This customer called in May 9th , for the first time, and it was deleted on May 11th at 305pm.? The customer is most likely using [redacted] to track his or her credit report and they are apx month behind live reporting.? It was delted, the first time they called not after several
times, it takes the credit bureau companies a while to input it and it takes even longer for the [redacted] and other 3rd party reporting services to catch upThank you

Revdex.com:
I have reviewed the response made by the business in
reference to complaint ID [redacted], and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below
I called the number provided and spoke to an arrogant unnamed male to inquire about this alleged debt.? He did most/all of the talking seeming sure I owed this debt, however he stated he did not have validation of the debt and had to request it from original creditor.? I'd think he should already have the validation of it, especially if your reporting on my credit report, and speaking to me in a condescending way about it the way he did.He stated he would mail this information to me, once it was received from original creditor, but did not ask for an address to mail it to.He did not indicate he would remove the note from my credit report, as requested, so? I do not accept the response made by the business to resolve this complaint
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] 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 place. I need them to completely remove my name from their system. 
Please enter your reason(s) for rejecting the business response below.
Regards,
[redacted]