Initial Business Response / [redacted] (1000, 10, 2017/05/02) */ Creditmax, Inc *eneral Counsel XXXXX [redacted] Fort Wayne, IN XXXXX (XXX) XXX-XXXX (XXX) XXX-XXXX Facsimile May 1, [redacted] Revdex.com of Northern Indiana Parnell Avenue Fort Wayne, IN RE: Case # [redacted] Dear Ms [redacted] I am in receipt of the Revdex.com notification directed to [redacted] on or after April 4, The complainant indicates that she called our office to "get a bill mailed" to herShe further states that she has "no proof that [her] car is in collections" with Creditmax, as Creditmax "is not on my credit report." Creditmax, Incis a third-party debt collectorWe do not originate debt and we are not an original creditorWe do not do any direct credit-reportingCreditmax does have access to the original creditors documentation and account notationsOn January 25, 2016, the original creditor assigned the relevant account to CreditmaxA notice of debt validation was issued to the complainant to [redacted] XXXXXThis notification was returned to sender as "moved left no address" by the USPSOn or about September 20, 2016, the original creditor reports that the complainant filed a credit bureau dispute through Equifax and the original creditor reported that the account was charged-off and that a deficiency balance was still owedOn or about March 31, 2017, the original creditor reports that the complainant filed a credit bureau dispute through Transunion and the original creditor reported that a deficiency balance was still owed On or about April 3, 2017, the complainant telephoned the office of Creditmax and spoke with representative [redacted] His notation is as follows: Rec call in from buyer ID XXXXXXXXXX FDCPA line she originally was giving the name of [redacted] and the acct was in her maiden nameShe wanted to know her balanceI provide P & [redacted] (minus repo fees of [redacted] she said she is trying to consolidate she claims and she said that they are not going to include us when they see [redacted] on the balanceI tried to explain to her the int and she did not want to hear thisShe wanted to add someone on the loan and have me tt themI advised to have them send a signed release and she was not interested in thatShe then started telling me what companies have done to her in the past and getting upsetI advised that we were not discussing past THIS COMMUNICATION IS FROM A DEBT COLLECTOR THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE [redacted] May 1, Page Two issues that have no bearing on this accountShe claims did not want to talk to me I asked what it is she needs today and she was not willing to tell meShe was dealing with her children during the call while I was attempting to speak with herShe did not want to talk and she hung up on me Thereafter, the complainant called Creditmax back and spoke to representative [redacted] notation is as follows: [redacted] called in on FDCPA line started yelling that she spoke with a guy earlier who was supposed to be in customer service but he was rude and told her this is collections she asked to speak with that guyput her on hold she hung up The complainant has been provided the account balance informationCreditmax does not send "bills" as we are, again, not the original creditor, but a third party collectorI, as well as the other Creditmax representatives, am still unable to discern what the complainant is seekingI have attached a copy of the debt-validation letter issued to herThis notification has company-identifying information and disclosures as well as full account informationThe fact that this debt-assignment does not appear upon her credit bureaus not within the control of CreditmaxAdditionally, the absence of a credit bureau entry does not negate the debt Respectfully, [redacted] *eneral Counsel Indiana Supreme Court Number XXXOhio Supreme Court Number XXXXXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE CREDITMAX, INC XXXXX [redacted] Fort Wayne, IN XXXXX (XXX) XXX-XXXX Toll Free (XXX) XXX-XXXX Facsimile [redacted] L [redacted] January [redacted] XXXXX RE: Your Indebtedness to: Byrider Finance, Incd/b/a C.N.A.C Customer Account: XXXXXXXX Customer Loan: XXXXXXX Principal Balance: $ [redacted] Accrued Interest: $ [redacted] Collateral Disposition Fees: $ Total Amount Due: $ [redacted] is the amount you owe Because of accruing interest, the amount due on the day you pay may be greaterHence, if you pay the amount shown above, an adjustment may be necessary after we receive your final paymentFor further information, write the undersigned or call either XXX-XXX-XXXX or XXX-XXX-XXXX Dear [redacted] L [redacted] : Creditmax, Inchas been authorized to commence collection upon the above-referenced accountCreditmax, Incis a debt collector This communication is from a debt collectorThis is an attempt to collect a debt and any information obtained will be used for that purpose Unless you dispute this debt, or any portion of it, within days after you receive this notice, we will assume that it is valid If you notify us within the day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of any judgment and mail it to you If the above creditor is not your original creditor and you submit a written request within the day period for the name and address of the original creditor, we will supply such information to you, If you notify us that you dispute this debt within the day period, we will suspend collection until we send you the verification Respectfully, Creditmax, Inc This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose
This is a supplemental response with additional information following an original response by CreditMax, Inc As previously indicated, this account was sent to an Atlanta, Georgia law firm, with attorney [redacted] handling the matter The consumer is welcomed and encouraged to contact Attorney [redacted] at [redacted] Attorney [redacted] indicates that the referenced judgment was renewed on April 29, and that a garnishment order was recently entered The current total today is $13,which is comprised of a principal judgment balance of $7,574.28, accruing interest of $5,325.94, attorney fees to Mr [redacted] 's firm of $and court costs of $ Attorney [redacted] confirms that the Judgment is active and valid The consumer's file number with Attorney [redacted] 's office is 08Band the consumer may wish to reference that number when/if he contacts Attorney [redacted] 's office If there is any further information which I am able to provide, please contact me directly [redacted] ***, General Counsel, CreditMax, Inc., Coldwater Road, Fort Wayne, IN Thank you
Initial Business Response / [redacted] (1000, 10, 2017/05/02) */ Creditmax, Inc *eneral Counsel XXXXX [redacted] Fort Wayne, IN XXXXX (XXX) XXX-XXXX (XXX) XXX-XXXX Facsimile May 1, [redacted] Revdex.com of Northern Indiana Parnell Avenue Fort Wayne, IN RE: Case # [redacted] Dear Ms [redacted] I am in receipt of the Revdex.com notification directed to [redacted] on or after April 4, The complainant indicates that she called our office to "get a bill mailed" to herShe further states that she has "no proof that [her] car is in collections" with Creditmax, as Creditmax "is not on my credit report." Creditmax, Incis a third-party debt collectorWe do not originate debt and we are not an original creditorWe do not do any direct credit-reportingCreditmax does have access to the original creditors documentation and account notationsOn January 25, 2016, the original creditor assigned the relevant account to CreditmaxA notice of debt validation was issued to the complainant to [redacted] XXXXXThis notification was returned to sender as "moved left no address" by the USPSOn or about September 20, 2016, the original creditor reports that the complainant filed a credit bureau dispute through Equifax and the original creditor reported that the account was charged-off and that a deficiency balance was still owedOn or about March 31, 2017, the original creditor reports that the complainant filed a credit bureau dispute through Transunion and the original creditor reported that a deficiency balance was still owed On or about April 3, 2017, the complainant telephoned the office of Creditmax and spoke with representative [redacted] His notation is as follows: Rec call in from buyer ID XXXXXXXXXX FDCPA line she originally was giving the name of [redacted] and the acct was in her maiden nameShe wanted to know her balanceI provide P & [redacted] (minus repo fees of [redacted] she said she is trying to consolidate she claims and she said that they are not going to include us when they see [redacted] on the balanceI tried to explain to her the int and she did not want to hear thisShe wanted to add someone on the loan and have me tt themI advised to have them send a signed release and she was not interested in thatShe then started telling me what companies have done to her in the past and getting upsetI advised that we were not discussing past THIS COMMUNICATION IS FROM A DEBT COLLECTOR THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE [redacted] May 1, Page Two issues that have no bearing on this accountShe claims did not want to talk to me I asked what it is she needs today and she was not willing to tell meShe was dealing with her children during the call while I was attempting to speak with herShe did not want to talk and she hung up on me Thereafter, the complainant called Creditmax back and spoke to representative [redacted] notation is as follows: [redacted] called in on FDCPA line started yelling that she spoke with a guy earlier who was supposed to be in customer service but he was rude and told her this is collections she asked to speak with that guyput her on hold she hung up The complainant has been provided the account balance informationCreditmax does not send "bills" as we are, again, not the original creditor, but a third party collectorI, as well as the other Creditmax representatives, am still unable to discern what the complainant is seekingI have attached a copy of the debt-validation letter issued to herThis notification has company-identifying information and disclosures as well as full account informationThe fact that this debt-assignment does not appear upon her credit bureaus not within the control of CreditmaxAdditionally, the absence of a credit bureau entry does not negate the debt Respectfully, [redacted] *eneral Counsel Indiana Supreme Court Number XXXOhio Supreme Court Number XXXXXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE CREDITMAX, INC XXXXX [redacted] Fort Wayne, IN XXXXX (XXX) XXX-XXXX Toll Free (XXX) XXX-XXXX Facsimile [redacted] L [redacted] January [redacted] XXXXX RE: Your Indebtedness to: Byrider Finance, Incd/b/a C.N.A.C Customer Account: XXXXXXXX Customer Loan: XXXXXXX Principal Balance: $ [redacted] Accrued Interest: $ [redacted] Collateral Disposition Fees: $ Total Amount Due: $ [redacted] is the amount you owe Because of accruing interest, the amount due on the day you pay may be greaterHence, if you pay the amount shown above, an adjustment may be necessary after we receive your final paymentFor further information, write the undersigned or call either XXX-XXX-XXXX or XXX-XXX-XXXX Dear [redacted] L [redacted] : Creditmax, Inchas been authorized to commence collection upon the above-referenced accountCreditmax, Incis a debt collector This communication is from a debt collectorThis is an attempt to collect a debt and any information obtained will be used for that purpose Unless you dispute this debt, or any portion of it, within days after you receive this notice, we will assume that it is valid If you notify us within the day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of any judgment and mail it to you If the above creditor is not your original creditor and you submit a written request within the day period for the name and address of the original creditor, we will supply such information to you, If you notify us that you dispute this debt within the day period, we will suspend collection until we send you the verification Respectfully, Creditmax, Inc This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose
This is a supplemental response with additional information following an original response by CreditMax, Inc As previously indicated, this account was sent to an Atlanta, Georgia law firm, with attorney [redacted] handling the matter The consumer is welcomed and encouraged to contact Attorney [redacted] at [redacted] Attorney [redacted] indicates that the referenced judgment was renewed on April 29, and that a garnishment order was recently entered The current total today is $13,which is comprised of a principal judgment balance of $7,574.28, accruing interest of $5,325.94, attorney fees to Mr [redacted] 's firm of $and court costs of $ Attorney [redacted] confirms that the Judgment is active and valid The consumer's file number with Attorney [redacted] 's office is 08Band the consumer may wish to reference that number when/if he contacts Attorney [redacted] 's office If there is any further information which I am able to provide, please contact me directly [redacted] ***, General Counsel, CreditMax, Inc., Coldwater Road, Fort Wayne, IN Thank you