Delivery Financial Services

Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint filed by Mr [redacted] [redacted] DFS was referred the account in question from our client on July 20th, All correspondence mailed to Mr [redacted] was returned DFS did attempt seven phone calls to Mr [redacted] 's phone number listed on the complaint DFS never received a return callAfter numerous failed attempts to reach Mr [redacted] the account was placed on his creditDFS never received a dispute from the credit bureausDFS will send proof of the debt to the address Mr [redacted] provided on his complaint If it found that the account is indeed a case of fraud DFS will immediately close the account and remove it from Mr [redacted] creditMrGasner can contact my Operations Manager, [redacted] *** at [redacted] ext[redacted] if he has any other questions regarding the account If you have any questions regarding this information please do not hesitate to contact me I trust this resolves this matter

Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint flied by Mr [redacted] ***.DFS was referred the account in question from our client on August 14th, After numerous attempts to contact Mr [redacted] the account was reported to Mr***'s credit on October 1st, 2014.Mr [redacted] contacted our office on June 22, inquiring about the accountMr [redacted] requested an itemized statement and this was provided to him.On June 26th, Mr [redacted] called our office and said he would pay the balance in full if we removed the account from his creditWe advised Mr [redacted] that we would accept payment in full but we are not permitted to remove the account from credit per the Fair Credit Reporting Act (FCRA)Mr [redacted] then asked to make a settlementWe offered Mr [redacted] a settlement but advised him his credit report would be reflected as "Settled in Full" and not "Paid in Full".On June 29th, Mr [redacted] called in paid the balance in full.On July 1st we reported to the credit bureaus that Mr [redacted] paid his balance in full.On July 20th, Mr [redacted] again called our office and demanded the account be removed from the credit bureau entirelyOnce again we advised Mr [redacted] we are unable to remove the account per FCRA, If you have any further questions regarding this matter please do not hesitate to contact me

To Whom It May Concern: Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint filed by Ms. [redacted] . DFS was referred the account in question from our client on May 20th, 2013. In reviewing this account it appears Ms. [redacted] had been... making regular payments on this account on a monthly basis. Ms. [redacted] did not make payments in August, September, November and December in 2014. The incident in questions show Ms. [redacted] was attempting to call in and make a payment for the month of February 2015. Ms. [redacted] was advised that this account has not been reported to credit but if she missed further payments we would report the account to credit. Ms. [redacted] did make a payment for February 2015. DFS does not record all phone calls so we do not have a transcript for the phone call in question. The representative [redacted] is no longer with DFS. DFS does not condone rude or disrespectful behavior. If in fact Ms. [redacted] was hung up on, I sincerely apologize. DFS trains its staff to always attempt to transfer calls to a supervisor before terminating a phone call. I would encourage Ms. [redacted] to direct any future inquiries to Mr. [redacted] [redacted] , our Operations Manager. Mr. [redacted] will provide Ms. [redacted] a history of payments and any remaining balance on this account. If you have any further questions regarding this matter please do not hesitate to contact me.Sincerely, [redacted] *.

We are in receipt of complaint ID# ***
We received a phone call from an individual regarding this account on January 6th, The individual calling was inquiring about the account but refused to provide information so we may verify the identity of the individual, such
as the last four of his social or birth date He became very agitated when we refused to give detailed information about the account in question Unfortunately we are unable to provide certain information about our accounts without verifying the identity of the individual we are speaking to per FDCPA and HIPAA. Per the request in the complaint we have mailed out a validation of the debt to the address on the accountIt is my hope this resolves this matter to the consumer's satisfactionSincerely,
Mark S***

Delivery Financial  Services, LLC (DFS)  is in receipt of the above reference complaint filed by Mr. [redacted]. DFS was referred  the account  in question from our client on July 20th, 2010. All correspondence mailed  to Mr. [redacted]  was returned....

 DFS did attempt seven phone calls to Mr. [redacted]'s phone number listed on the complaint.  DFS never received  a return call. After numerous failed attempts to reach Mr. [redacted]  the account  was placed on his credit. DFS never received  a dispute  from the credit  bureaus. DFS will send proof of the debt to the address  Mr. [redacted] provided  on his complaint  If it found that the account  is indeed a case of fraud DFS will immediately close the account  and remove it from Mr. [redacted] credit. Mr. Gasner can contact  my Operations Manager,  [redacted] at [redacted] ext.[redacted] if he has any other questions regarding  the account If you have any questions regarding  this information  please do not hesitate  to contact  me.  I trust this resolves  this matter.

I am not sure where Mr. [redacted] is getting his numbers.  We have two accounts in our office.  One is for $19.92 and the other is for $160.00.  They are both from the same provider.If Mr. [redacted] would like for us to offer the discount again we can do so.  We will credit Mr. [redacted] and update his credit report as "Settled in Full" instead of "Paid in Full".  Again, per FCRA we can't remove the account from his credit.  I hope this satisfies Mr. [redacted].[redacted]

[redacted]
I do apologize for this inconvenience.  Our company did submit this for deletion on December 1st, 2011.  We do not know why [redacted] did not delete it.  We contacted them and had the item removed again.  We do have proof that it was submitted for deletion in...

2011.  Again, I apologize for any issues that may have arisen from this.If you have any further questions please do not hesitate to contact me directly.[redacted]President[redacted] [redacted]

Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint flied by Mr. [redacted].DFS was referred the account in question from our client on August 14th, 2014. After numerous attempts to contact Mr. [redacted] the account was reported to Mr. [redacted]'s credit on...

October 1st, 2014.Mr. [redacted] contacted our office on June 22, 2015 inquiring about the account. Mr. [redacted] requested an itemized statement and this was provided to him.On June 26th, 2015 Mr. [redacted] called our office and said he would pay the balance in full if we removed the account from his credit. We advised Mr [redacted] that we would accept payment in full but we are not permitted to remove the account from credit per the Fair Credit Reporting Act (FCRA). Mr. [redacted] then asked to make a settlement. We offered Mr. [redacted] a settlement but advised him his credit report would be reflected as "Settled in Full" and not "Paid in Full".On June 29th, 2015 Mr. [redacted] called in paid the balance in full.On July 1st we reported to the credit bureaus that Mr. [redacted] paid his balance in full.On July 20th, Mr. [redacted] again called our office and demanded the account be removed from the credit bureau entirely. Once again we advised Mr. [redacted] we are unable to remove the account per FCRA, If you have any further questions regarding this matter please do not hesitate to contact me.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The statement provided by the business is not entirely true. The truth is they had not contacted me for a long time. It was through my initiative that contact was made. I asked about a discount and at first they stated I could have one lowering it to approx. $134. When it came time to give them the CC number I hesitated and asked if they would remove the derogatory remark from my credit, when they said no I decided not to pay them and got off the phone. About four days later I decided to pay anyway except this time they were deliberately harrassing me by voiding the discount and raising the price back to $160. Then they added another $19 to the bill and asked for a total of approx. $179. After I gave the CC number then the girl told me she was also going to add another 3%. I felt this was completely wrong as they had already stated the total before I gave my CC number. Then once they had my number they jack the bill up another 3% and of course I had no say in the matter. I believe this tactic is illegal. Since that time no receipt was ever sent to me, even after I asked for one I still have not received a receipt proving payment. [redacted] Credit intially showed the account re-adjusted to a zero balance, but then before two weeks were up the $160 balance reappeared on my credit history. The only thing [redacted] could tell me was that this company in question had been in contact with [redacted] again of July 14th which was around the time the balance reappeared. So I have gotten screwed because they jacked the amount up on me to $186.32, lying about the amount then charging my card for a higher amount. Lastly they made the balance of $160 show up on my credit history again after I paid it off in full. My last phone call there I was immediately switched to the supervisor and was told that he had to speak to me only because I had filed a complaint with the Revdex.com. He said he would not discuss anything with me. So even though I did the right thing and contacted them and paid my bill, I still to this day have a negative balance of $160 on an account that was paid in full.  If this gentleman really wants to do good, then he should remove this balance from my credit history. He should also send me a receipt showing the amount of $186.32 paid on this account on June 29th.
Regards,
[redacted]

To Whom It May Concern: Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint filed by Ms. [redacted]. DFS was referred the account in question from our client on May 20th, 2013. In reviewing this account it appears Ms. [redacted] had been...

making regular payments on this account on a monthly basis. Ms. [redacted] did not make payments in August, September, November and December in 2014. The incident in questions show Ms. [redacted] was attempting to call in and make a payment for the month of February 2015. Ms. [redacted] was advised that this account has not been reported to credit but if she missed further payments we would report the account to credit. Ms. [redacted] did make a payment for February 2015. DFS does not record all phone calls so we do not have a transcript for the phone call in question. The representative [redacted] is no longer with DFS. DFS does not condone rude or disrespectful behavior. If in fact Ms. [redacted] was hung up on, I sincerely apologize. DFS trains its staff to always attempt to transfer calls to a supervisor before terminating a phone call. I would encourage Ms. [redacted] to direct any future inquiries to Mr. [redacted] [redacted], our Operations Manager. Mr. [redacted] will provide Ms. [redacted] a history of payments and any remaining balance on this account. If you have any further questions regarding this matter please do not hesitate to contact me.Sincerely, [redacted].

I will get you proof of the debt.  We will put that in the mail today.  The total balance will show there were self pay charges of $179.92.  This was sent to you previously.You can also contact your insurance company and ask for an Explanation of Benefits.  That will also reflect the total balance.I will credit you back the discount previously offered and report to your credit report as "Settled in Full" instead of "Paid in Full".  You should be aware that "Paid in Full" looks much better on your credit than "Settled in Full".  Again, we are unable to remove this from your credit.  I'm not sure what other collection agencies you dealt with in the past, sounds like plenty, but according to FCRA we just can't remove a legitimate debt without a reason.It is my hope this satisfies your complaint.  Thank you,[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

It's pretty obvious that these guys know they have been uncovered as the rats they are.They say they can't remove the report, yet the last two accounts I settled with immediately offered and did in fact remove the deragatory remarks.  Even though they are paid in full the credit company still lists them as a derogatory account.  So I know they are lying when they say they can't do it.Now he's saying they bare two accounts.  If that is so then why did he add them both together and tell me the charge was $179 and change.  Then once I gave them my credit card they then announced they were going to hit me for another 3%.  That is completely unethical to tell someone the total charge take their CC and then announce they are going to hit them up for more.  You know as well as I do that is completely dishonest.I will make their problems go away and even say something nice about them if they remove the dreogatory remark completely from my credit history.  As long as they continue to play this game and tell me it's impossible which I very well know it's not, there is no deal. I am retired and can donate many hours a day to making their lifes miserable.PS.  I will take the discount as well.

Regards,

We are in receipt of complaint ID# [redacted]  
We received a phone call from an individual regarding this account on January 6th, 2016.  The individual calling was inquiring about the account but refused to provide information so we may verify the identity of the individual, such...

as the last four of his social or birth date.  He became very agitated when we refused to give detailed information about the account in question.  Unfortunately we are unable to provide certain information about our accounts without verifying the identity of the individual we are speaking to per FDCPA and HIPAA. Per the request in the complaint we have mailed out a validation of the debt to the address on the account.
It is my hope this resolves this matter to the consumer's satisfaction.
Sincerely,
Mark S[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

The statement provided by the business is not entirely true. The truth is they had not contacted me for a long time. It was through my initiative that contact was made. I asked about a discount and at first they stated I could have one lowering it to approx. $134. When it came time to give them the CC number I hesitated and asked if they would remove the derogatory remark from my credit, when they said no I decided not to pay them and got off the phone. About four days later I decided to pay anyway except this time they were deliberately harrassing me by voiding the discount and raising the price back to $160. Then they added another $19 to the bill and asked for a total of approx. $179. After I gave the CC number then the girl told me she was also going to add another 3%. I felt this was completely wrong as they had already stated the total before I gave my CC number. Then once they had my number they jack the bill up another 3% and of course I had no say in the matter. I believe this tactic is illegal. Since that time no receipt was ever sent to me, even after I asked for one I still have not received a receipt proving payment. [redacted] Credit intially showed the account re-adjusted to a zero balance, but then before two weeks were up the $160 balance reappeared on my credit history. The only thing [redacted] could tell me was that this company in question had been in contact with [redacted] again of July 14th which was around the time the balance reappeared. So I have gotten screwed because they jacked the amount up on me to $186.32, lying about the amount then charging my card for a higher amount. Lastly they made the balance of $160 show up on my credit history again after I paid it off in full. My last phone call there I was immediately switched to the supervisor and was told that he had to speak to me only because I had filed a complaint with the Revdex.com. He said he would not discuss anything with me. So even though I did the right thing and contacted them and paid my bill, I still to this day have a negative balance of $160 on an account that was paid in full.  If this gentleman really wants to do good, then he should remove this balance from my credit history. He should also send me a receipt showing the amount of $186.32 paid on this account on June 29th.

Regards,

To Whom It May Concern: Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint filed by Ms. [redacted]. DFS was referred the account in question from our client on May 20th, 2013. In reviewing this account it appears Ms. [redacted] had been...

making regular payments on this account on a monthly basis. Ms. [redacted] did not make payments in August, September, November and December in 2014. The incident in questions show Ms. [redacted] was attempting to call in and make a payment for the month of February 2015. Ms. [redacted] was advised that this account has not been reported to credit but if she missed further payments we would report the account to credit. Ms. [redacted] did make a payment for February 2015. DFS does not record all phone calls so we do not have a transcript for the phone call in question. The representative [redacted] is no longer with DFS. DFS does not condone rude or disrespectful behavior. If in fact Ms. [redacted] was hung up on, I sincerely apologize. DFS trains its staff to always attempt to transfer calls to a supervisor before terminating a phone call. I would encourage Ms. [redacted] to direct any future inquiries to Mr. [redacted], our Operations Manager. Mr. [redacted] will provide Ms. [redacted] a history of payments and any remaining balance on this account. If you have any further questions regarding this matter please do not hesitate to contact me.Sincerely, [redacted].

I am not sure where Mr. [redacted] is getting his numbers.  We have two accounts in our office.  One is for $19.92 and the other is for $160.00.  They are both from the same provider.If Mr. [redacted] would like for us to offer the discount again we can do so.  We will credit Mr. [redacted] and update his credit report as "Settled in Full" instead of "Paid in Full".  Again, per FCRA we can't remove the account from his credit.  I hope this satisfies Mr. [redacted].[redacted]

I do apologize for this inconvenience.  Our company did submit this for deletion on December 1st, 2011.  We do not know why [redacted] did not delete it.  We contacted them and had the item removed again.  We do have proof that it was submitted for deletion in...

2011.  Again, I apologize for any issues that may have arisen from this.If you have any further questions please do not hesitate to contact me directly.[redacted]President[redacted]

Delivery Financial  Services, LLC (DFS)  is in receipt of the above reference complaint filed by Mr. [redacted]. DFS was referred  the account  in question from our client on July 20th, 2010. All correspondence mailed  to Mr. [redacted]  was returned....

 DFS did attempt seven phone calls to Mr. [redacted]'s phone number listed on the complaint.  DFS never received  a return call. After numerous failed attempts to reach Mr. [redacted]  the account  was placed on his credit. DFS never received  a dispute  from the credit  bureaus. DFS will send proof of the debt to the address  Mr. [redacted] provided  on his complaint  If it found that the account  is indeed a case of fraud DFS will immediately close the account  and remove it from Mr. [redacted] credit. Mr. Gasner can contact  my Operations Manager,  [redacted] at [redacted] ext.[redacted] if he has any other questions regarding  the account If you have any questions regarding  this information  please do not hesitate  to contact  me.  I trust this resolves  this matter.

Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint flied by Mr. [redacted].DFS was referred the account in question from our client on August 14th, 2014. After numerous attempts to contact Mr. [redacted] the account was reported to Mr. [redacted]'s credit on...

October 1st, 2014.Mr. [redacted] contacted our office on June 22, 2015 inquiring about the account. Mr. [redacted] requested an itemized statement and this was provided to him.On June 26th, 2015 Mr. [redacted] called our office and said he would pay the balance in full if we removed the account from his credit. We advised Mr [redacted] that we would accept payment in full but we are not permitted to remove the account from credit per the Fair Credit Reporting Act (FCRA). Mr. [redacted] then asked to make a settlement. We offered Mr. [redacted] a settlement but advised him his credit report would be reflected as "Settled in Full" and not "Paid in Full".On June 29th, 2015 Mr. [redacted] called in paid the balance in full.On July 1st we reported to the credit bureaus that Mr. [redacted] paid his balance in full.On July 20th, Mr. [redacted] again called our office and demanded the account be removed from the credit bureau entirely. Once again we advised Mr. [redacted] we are unable to remove the account per FCRA, If you have any further questions regarding this matter please do not hesitate to contact me.