Credit Vision

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]

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 1 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 up. Thank you

Yes she did call in yesterday and talk to me, she kept not allowing me to speak and demanding documents over an over and she also kept saying do you want your money.  I could not get a word in. I did offer her 500 dollar settlement but she continued to talk over me and say it was more than she had borrowed over and over.  I would let her settle for 300 had she given me the chance to speak but that was not what was going to happen.  If she chooses to pay the 350.00 she can mail it in and I will delete the account from her credit report and email her a copy of the deletion notice once the check or money order has cleared.  [redacted] is her account number and she should include that on the payment to be applied correctly.  On August 5th of this year I now see in the notes where she wrote trans union and flat out said it was not her, did not belong to her and is to be removed right away.  Yesterday she admitted to the debt but would not allow any type of conversation to take place to resolve it.  We do not, and will not, allow screaming and yelling in this office for any reason.  Her call was terminated and her number was put to “don’t answer cue” simply because we will not get trapped into a screaming argument with anyone for any reason.   If she chooses to mail in the payment the address is PO Box [redacted]  If she chooses not to pay the payment we would ask that she not try to attempt to call us, as once again, we are not going to take part in any type of screaming here.   Best of luck to her.

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]

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 see we are not getting anywhere with this as they are lying and failed to send me any documents that state that I owe anything. I have never called them and the letter I sent out this week reference the credit report entry was returned to me as no such address. They are a fraud, plain and simple. I am contacting the three major credit bureaus and disputing this entry and they will investigate. Thank you for your time. Fraud is alive and well and they failed to scare me.[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 $1000 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 $311 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 $1000 and then turn around and put on
my credit report that I now owe them $311.  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 $1000 for equipment that they assumed I took
and then come back and say I owe them $311.  If I owed $311 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.

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 v. Att’y Gen., 506 F.3d 274, 279 (3d Cir. 2007) (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 $1000 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 debt. It does not arise out of the transaction creating the debt [.] Azar, 874 F. Supp. at 1318. Footnote: See 15 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]