Crosstown Auto Body

Complaint: [redacted] I am rejecting this response because:Obviously I did not receive them and I'm not understanding why you won't resend themIt seems you must be covering up something since you're so unwilling to work with my requestI don't understand why your company is being so resistent to providing any kind of proof of this balance you say I oweYou only seem to want to defend your actions without proving proofAgain my address IS correct with the DMVYou can make demands for money yet do not want to provide anyone anything that is requested as of nowI'm not talking about the previous invoices you sent back in FebruaryI want proof as of NOW that you supposedly have on me that I owe ANY balanceI was also NEVER notified of any court date and request for my case to be re-reviewed Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: how was the agent not rude if you reviewed the call and you heard her call me girl that is very rude and not professional and I'm still waiting on a call back to speak about my account being credited Regards, [redacted]

Tell us why hereRevdex.com Complaint# [redacted] Ms [redacted] ***,After researching and reviewing the parking/red light/camera tickets issued by the City of Chicago for plate # [redacted] , we found that the Illinois Secretary of State does not have record of your driver’s license associated with this plate and VIN # Research indicates this vehicle is listed to another [redacted] who could be a potential relative.You are responsible for the City of Chicago parking ticket # [redacted] issued on 10/19/for IL temporary plate # [redacted] , in the amount of $ Your name listed for this plate is [redacted] ***-***.Please contact me at [redacted] if you have further questions.Regards, [redacted]

Mr***, Your complaint alleges that you were lied to about payment options that were available to you Upon receiving your complaint, I reviewed this matter Our records reflect that you contacted the firm on 09/28/regarding tickets owed to Hood River County, Oregon In order to remove a DMV hold on your license, the client requires you to set up a payment plan AND make a $down payment The agent explained this when you spoke to my office on 09/28/ You indicated that you could only pay $at this time The payment was accepted by phone Since it did not meet the client requirements of a payment plan and a $down payment, the client did not receive a request to remove the DMV hold I am sorry if there was a misunderstanding and have talked to my staff to ensure that this is explained more clearly in the future.I am glad to know that you did get the DMV hold released If you have any concerns, please don't hesitate to contact me directly at [redacted] [redacted] , Attorney and Chief Compliance Officer

We have been in contact with Ms***, provided her with the information she asked for and processed her payment The account is paid in full and closed

Complaint: [redacted] I am rejecting this response because:I was NEVER notified of ANY court hearingIt is a blantant LIE that you ever "tried to inform me of these violations" nobody can tell me straight in the eye that invoices were sent ot the correct addressWhat vehicles are you even referring to? Its some big secretNobody will send invoices to the correct addressYou cannot even tell me that my vehicles were only registered to one address because I've moved several times and every year my vehicle is registered the the correct address.I want FULL documentation of any proof you have of these violations as well as documentation you tried to inform me of any court dateI also want to know which vehicles you have recorded Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: Wow! No wonder I didn't remember thatPlease check the date on those violations and invoice dateThey are from 2007! He could have told me that on the phoneI can't believe that they sent me one invoice in 2008, and years later they send me to collections! Is that even legal? They sent me an invoice in 2008, and added over $in fees in 2015? I will be happy to pay the original invoice from Regards, [redacted]

I am responding to the consumer complaint filed with your office by [redacted] Mr [redacted] ’s complaint regards unpaid toll violations incurred on a tollway operated by our client, the Harris County Toll Road Authority (HCTRA) Mr [redacted] claims in part that at the time he used HCTRA’s toll roads he had a valid TxTAG account, and that the violations occurred because TxTAG was changing billing systems Mr [redacted] ’s plus toll violations range in date from May 15, through February 12, Each time, no valid tag was read when Mr [redacted] ’s vehicle was on the toll road Further, each time TxTAG declined to accept from HCTRA the toll transaction as being related to a valid TxTAg account Starting May 22, 2014, notices of the toll violations were sent to Mr [redacted] at the DMV registered address for the vehicle, [redacted] – the same address referenced in his complaintWhen no response was received by HCTRA to the violation notices sent to Mr [redacted] , the account was referred to the firm for collection We have been in contact with Mrs [redacted] regarding the amounts owed She has been informed that they must provide clear documentation from TxTAG that at the time the tolls were incurred that they had a valid and active TxTAG account and the vehicle license plate was listed on that account Until that documentation is provided, the amounts assessed against Mr [redacted] will remain due and owing Respectfully, [redacted]

Complaint: [redacted] I am rejecting this response because:I was sent a letter dated June with a deadline of days laterI didn't receive letter until June That gave me days Not reasonableI am reaching out to city to make them aware of their hired firms illegal collection practices Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: Why was this never expressed in the letters sent to me? I want this sent to me in a letter format Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: the documentation does NOT support the dollars owed It contanins duplications, etc Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I did not own a vehicle nor did I have one registered in my name in the State of Texas in The last vehicle registered in my name was a Chrysler Sebring which was repossessed by a title loan company in I didn't even own the vehicle in 2012, if that is even the vehicle that you could be referring toThe information that you all have sent in an effort to validate the alleged debt owed is a failed attempt as there was not a vehicle in my possession or registered to me at this time When The representative of HCTRA says that they made an attempt to contact me at [redacted] ***I had not lived at that address since The person who bought the vehicle from the auction more than likely is ran through tolls According to the Fair Credit Reporting Act, Section (a)(1)(A), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.I demand to see a copy of the verifiable, validate proof (an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered proof), that you have on file for the claim Regards, [redacted]

Ms [redacted] , We just received your 2nd correspondence attempt by regular mail with the USPS.COM tracking form for your certified mail that you sent on 7-2- The last status of the post office is at zip code *** This is the main post office in Chicago Our post office, which is located in our building, states they have not received this certified mail in their post office You will need to contact the US post office concerning your certified mail that was not delivered Regarding your bankruptcy information, you filed a Chapter bankruptcy on 6/19/2015, Case # [redacted] which was discharged on 10/6/ The two red light tickets were issued after your bankruptcy was filed and are not included in your bankruptcy For your information, outstanding parking, red light camera citations are not dischargeable in Chapter BankruptcyPursuant to [redacted] ***, your parking, red light citation is not dischargeable, to the extent such debt is for a fine, penalty, or forfeiture payable to and for the benefit of a governmental unit, and is not compensation for actual pecuniary loss” Inasmuch as the citation incurred by you is clearly, by definition an obligation incurred by fine, it is a non-dischargeable obligationYou owe two red light citations, [redacted] issued on 9-30-for plate [redacted] and [redacted] issued on 10-2-for plate [redacted] The current amount owed is $for the two citationsI have attached the Illinois Secretary of State documentation that you and [redacted] are joint owners and your driver’s license appears on the plate information The vehicle was transferred to a new owner on 7-6-The recording from your call with our representative has been pulled and this representative will be retrained on telephone technique to ensure she follows our policies and procedures when speaking to a motorist Thank you for bringing this to my attentionIf you have further questions, you may contact me directly at [redacted] Regards, [redacted] Director of Collections Linebarger Goggan Blair & Sampson, LLP

Mr [redacted] ,Citation # [redacted] was placed with us on April 23, 2015, with an address of [redacted] Ourresearch indicated a change of address to [redacted] , and at that time we mailed our first letter On May 13, we werenotified of your dispute and on May 19, 2015, the City informed us that this account was placed in error and was a duplicate citation issued You paidcitation # [redacted] in full prior to this citation # [redacted] being sent to us for collections At the time the City was notified (May 13, 2015), theycitation was dismissed We placed this account in stop work status when you notified us of the error At this time, we are also sending correspondence to your current address with confirmation that this matter is no longer being pursued If you have any further questions, please contact me at [redacted] [redacted] [redacted]

June [redacted] *** [redacted] ***RE: Revdex.com Case No# [redacted] ; Complaint of [redacted] ***Linebarger Goggan Blair & Sampson, LLP collecting on behalf of Clerk of Court forOrange County, FloridaMs***:On behalf of Linebarger Goggan Blair & Sampson, LLP (“Firm”), I am responding to your complaint received from the Revdex.com on or about June Your complaint is in regards to a speeding citation owed by [redacted] to our client, the Clerk of Court for Orange County, FL (“Clerk”).Your complaint alleges you paid this citation in full and attended driver’s schoolThe Clerk’s office hired our Firm pursuant to Florida Statute 28.246(6) for the collection of accounts receivables which have become delinquentThe Clerk’s office forwarded Citation No [redacted] to my Firm as payment on the citation had become delinquent.The Firm has verified with the Clerk’s office that there is an outstanding balance on Citation No [redacted] I attach a copy of the citation for your recordsTo aid you in your investigation, I attach a copy of the online records search of this citation obtained from the Clerk’s websiteYou may view this case online via the Clerk’s website at [redacted] and search using the citation numberBased on the review, it appears the completion of the traffic school was never reported to the Clerk’s office, or in the alternative, reported after the due dateThis added additional fees of $to the accountPursuant to Florida Statute 28.246(6), the Clerk added a collection fee in the amount of $when the account was referred to my Firm for collections bringing the total owed to $51.25.Many of your requirements listed in the “Desired Settlement” section of the complaint refer to the Fair Debt Collection Practices Act (FDCPA)For the following reasons, Citation No [redacted] is not subject to the FDCPAThe purpose of the FDCPA is to “eliminate abusive debt collection practices by debt collectors.” U.S.C§ 1692(e)The FDCPA defines debt as:“any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily forpersonal, family, or household purposes, whether or not such obligation has been reduced to judgment.”U.S.C§ 1692(a)(5).Therefore, the question becomes whether or not the fines associated with Citation No [redacted] , a civil traffic case, is a debt that arose from a “transaction” as contemplated by the statute“The FDCPA limits its reach to those obligations to pay arising from consensual transactions where parties negotiate or contract for consumer related goods or services.” Betts vsEquifax Credit InfoServcs., FSupp2d 1130, (W.DWash2003) citing Bass vsStopler, Koritzinsky, Brewster & Neider, S.C., F.3d 1322, (7th Cir1997)“At a minimum, a ‘transaction’ under the FDCPA must involve some kind of business dealing or other consensual obligation.” Hawthorne vsMac Adjustment, Inc., F.3d 1367, (11th Cir1998)Furthermore, “when an obligation arises outside the scope of a consumer transaction, the obligation is not a “debt” under the FDCPARector vsCity and County of Colorado, P3d 1010, (ColoApp2005).As such, civil traffic violations fall outside the scope of the FDCPAFurthermore, the civil traffic violation did not arise from “some type of business dealing between parties,” from a “consensual or contractual” arrangement, or under circumstances where your client and the Clerk’s office negotiated or contracted for “consumer-related goods or services.”” Hawthorne vsMac Adjustment, Inc., F.3d 1367, 1370-(11th Cir1998).The United States Court of Appeals for the 7th Circuit examined in great deal to determine whether fines are “debts” as contemplated by the FDCPA and confirmed that municipal fines are not “debts” as contemplated by the FDCPA.“Apparently the question whether fines are "debts" under the FDCPA has never arisen in a court of appeals (at least not in a precedential decision)Yet that issue has come up frequently in the district courts, which have concluded uniformly that a fine does not stem from a consensual transaction and thus is not a debt under the FDCPASee Reid vAmTraffic Solutions, Inc., Nos10-cv-204-JPG-DGW & 10-cv-269-JPG, U.SDistLEXIS 134518, WL 5289108, at *4-(S.DIllDec20, 2010) (concluding that fines for traffic violations are not debts under FDCPA); Mills vCity of Springfield, Mo., No2:10-CV-04036-NKL, U.SDistLEXIS 92031, WL 3526208, at *15-(W.DMoSept3, 2010) (same); Durso vSummer Brook Preserve Homeowners As'n, FSupp2d 1256, 1264-(M.DFla2008) (concluding that fines assessed against homeowner by homeowners [**5] association did not create debts under FDCPA); Shannon vACS State & Local Solutions, Inc., No08-594(DSD/SRN), U.SDistLEXIS 43368, WL 2277814, at *(DMinnMay 30, 2008) (holding that fines levied by county for parking violation and failure to register vehicle did not meet criteria for FDCPA debts); Williams vRedflex Traffic Sys., Inc., No3:06-cv-400, U.SDistLEXIS 22723, WL 782540, at *(E.DTennMar20, 2008) (holding that unpaid traffic fine is not debt under FDCPA), aff'd on other grounds, F.3d (6th Cir2009); Yon vAlliance One Receivables Mgmt., Inc., No07-61362-Civ, U.SDistLEXIS 89492, WL 4287628, at *(S.DFlaDec5, 2007) (same); Harper vCollection Bureau of Walla Walla, Inc., NoC06-1605-JCC, U.SDistLEXIS 88993, WL 4287293, at *(W.DWashDec4, 2007) (same); Graham vACS State & Local Solutions, Inc., No0:06-cv-2708-JNE/JJG, U.SDistLEXIS 73973, WL 2911780, at *(DMinnOct10, 2006) (concluding that unpaid parking tickets do not qualify as debts under FDCPA); Riebe vJuergensmeyer & Assocs., FSupp1218, 1221-(N.DIll1997) (concluding that unpaid fine imposed for overdue library book is not debt under FDCPA)We agree with these decisions and, as did the district court, conclude that the municipal [**6] fines levied against Gulley cannot reasonably be understood as "debts" arising from consensual consumer transactions for goods and servicesAccordingly, the allegations in his amended complaint state no claim under the FDCPA and were properly dismissed under Rule 12(b)(6).” Gulley vMarkoff & Krasny, F.3d 1073, (7th CirIll2011).You next request verification the statute of limitations has not run in this caseFlorida Statute 95.11(11) exempts the collection of courts costs, fees, or fines owed to the state from the statute of limitationsYou next request verification the Firm is licensed to do business in TennesseeYou may find our license information via the Tennessee Secretary of State’s website, Business Information Search (https://tnbear.tn.gov/entitysearch/), using Control Number [redacted] Lastly, we do not report traffic citations to the credit bureaus.I hope this will be sufficient to satisfy your inquiryIn the event you need additional information, please do not hesitate to contact meMy direct dial is [redacted] .Sincerely, [redacted] ***

The details of this statement/complaint are not sufficiently clear to determine the nature of the statement We have mailed written communications addressed to the complainant at the address reflected as complainant's address We have no record of mailing any written communication to that same address, addressed to anyone other than complainant We have verified with our client that complainant does have an outstanding and unresolved matter In the event additional details become available to us that allows us to better identify the exact nature of this statement/complaint, we are happy to further review and move this matter toward further resolution In absence of additional information, we will assume this response is sufficient to respond to the statement/complaint

As previously stated, notices were mailed to Mr [redacted] at the registered address for the vehicle When the tolls were incurred, Mr [redacted] was driving with Maine license plates As such, the notices were mailed to the Maine address for those plates We were able to locate Mr [redacted] in Colorado They additional fees he paid were a direct result of his using a Maine license plate while residing in Colorado.We consider this matter closed

On December 9, 2009, our client submitted a delinquent parking citation to us for collection efforts The information provided indicated the owner was [redacted] We have contacted Ms [redacted] about this matter and she has stated she provided a response to the City indicating she did not own the vehicle at the time of the infraction As of today, the City has not rescinded or recalled this account indicating that this debt is still valid We are awaiting further research by the City to determine whether this information will provide the relief sought by Ms [redacted] Texas vehicle registration requirements are important, as license plates follow the registered owner All of our correspondence regarding delinquent parking citations in Fort Worth, include an affidavit of non-ownership that the recipient can use to alert the court to a non-ownership defense We will update Ms [redacted] when we learn more about the status of the information she sent the CityAs the complaint about our collector, we have reviewed the audio of the phone call and have provided additional training as to the appropriate tone to be used in dealing with individualsWhile no infractions of any collection policies or regulations occurred, we recognize the importance of this form of contact and the work to improve our service constantly

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] The fact that a law firm can turn a $toll fees from years ago (that I was never contacted about till now) into a $up charge, is the reason people are getting tired of this country and it's government officialsI've spent thousands of dollars on the HCTRA toll system for years now, and not once was this brought up to me when I visited their offices while registering multiple vehicles for EZ TagMy guess, is they want the charges to reach a certain amount before it becomes critical enough for them to go afterThis will now become one of my priorities to get this type of legislation demolished Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:We have paid some of these, and they charged us late fees after the factI received their invoiceI will not pay the full amount, and I believe I can make a case to prove my point Regards, [redacted] ***