Delta Management Associates, Inc.

Delta Management Associates, Inc. (Delta) did make contact via telephone with the complainant 6/10/15 wherein she declined to provide us with the identifying information (name, DOB, and at least the last 4 digits of her SS#) necessary for us to disclose the exact purpose of our call. It is also true...

that Delta sent a Verification of Employment (VOE) form to the complainant's employer to ascertain whether or not she is the person with whom Delta wishes to communicate. Delta recognizes the fact that the complainant states that the middle initial and last 4 digits of the SS# that we referenced on the VOE do not match her information. Delta asks that someone in the complainant's employer's HR/payroll department complete the form, attest to the named party NOT being someone within their employ, sign it, and return it to us at the fax number provided at the bottom of the VOE form. Even absent this, Delta shall cease placing calls to the complainant at her place of business, and we apologize for any inconvenience our call to her there may have caused. It is important to point out that Delta is entrusted with safeguarding very sensitive information...ergo our stringent identification policies. This is done to ensure that the disclosure of information is solely to individuals whose identities have been positively verified.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]  
On two occasions I inadvertently answered calls from this company's phone number - once from a rude man named [redacted] and once from a female.  Both stated that I would be brought to court over a car loan from a company named [redacted] for a car I've never owned.  Both had identifying information which is why I am so vehemently angry over the fraud being purported.  Both also identified the company they were calling from as DTM from the [redacted] phone number.  Clearly this company's DENIAL that they've threatened and harassed me is a continuation of their fraudulent behavior.
Regards,
[redacted]

Again, Delta Management Associates, Inc. is not "DTM", and did not place the phone calls to the complainant that she describes. We are neither aware of, nor affiliated with, a company named [redacted]. Nor were we ever attempting to speak with the complainant about a car loan. As stated in our previous response, Delta placed a total of three calls to the number the complainant listed as hers in her complaint. The dates were 2/18/16, 3/22/16, and 4/7/16. On none of those occasions did we speak with the complainant or any other person. We received a voicemail greeting that identified the phone number and did not leave a message on any of the three call attempts. The telephone number she identifies does belong to Delta. But there must be confusion as to which calls were placed by which party, as we are absolutely not associated with the call(s) she described. As stated in our last response, we have entered clear and conspicuous 'Do Not Call' alerts, and will attempt no further contact with the complainant.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

As stated in our initial response, Delta believes that we made more than adequate efforts to communicate the outstanding needs to the complainant. Again, many calls were placed, many messages were left, and many letters/agreements were sent. None of these were responded to. A completed loan rehabilitation would have been to the complainant's benefit. It still would prove beneficial to him, even having to start it anew. But it is also important to note that a completed loan rehabilitation is in Delta's best interest. The complainant and Delta were working together toward the same goal. But in order to achieve it, lapses in communication (such as those described herein) cannot occur. As of 1/13/17, the complainant has re-enrolled in the Loan Rehabilitation Program. It is Delta's hope and objective to see this through to completion, just as it was last time.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
[Your system might reflect that you mailed out notices to us, however, we only received the first notice a week ago. I do not know who you sent out the "first" letters out to but we never received them. Again, both [redacted] and the correspondent companies both showed a zero balance on the website when we tried to log back to continue to make payments. Again, I do not feel that we are at fault with this owing anyone any payment since we were mislead by [redacted] into thinking we were done with having use show a zero balance. Your attempts only indicate when you sent out the letters to us, but do not indicate if we did in fact received these letter, because if the letters where received when you said you first sent them out, we would have disputed the payment then and not now. ]
Regards,
[redacted]

Delta Management Associates, Inc. (Delta) has had a total of two conversations with the complainant since her account was placed with us more than 17 months ago; one on 12/1/16 and the last on 2/7/17. Despite the claims by the complainant that Delta's representatives were needlessly...

threatening, our review of the recorded calls indicates that the complainant was dealt with in a calm, patient, and professional manner. The complainant even commented on the fact that she was pleased that Delta's agent took the time to carefully explain the status of her loans and the options available to her on the call on 12/1/16. Unfortunately, the call on 2/7/17 was less productive, as the complainant insisted that she had spoken with the United States Department of Education (ED) and was told that her two loans showed a $0.00 balance. Delta's agent attempted to explain that the liability about which we were communicating was not with **, but with [redacted] ([redacted]) on 5 defaulted loans. The complainant accused Delta's agent of not willing to assist her and she hung up the phone. It is vital to note that Delta's statements to the complainant relative to Administrative Wage Garnishment were made informationally...not threateningly. When Delta spoke with the complainant on 12/1/16, it was her calling us in response to a Notice Prior to Wage Withholding (NPWW) that had already been forwarded to her. This notification identified the complainant's liability to [redacted] and provided her specific recourse for avoiding the imminent wage garnishment action. Outside of the complainant's phone call to Delta (which, in and of itself, is not an adequate response), Delta has received no reply from her. At this point, because no formal response to the NPWW was received within the prescribed period of time, an Order of Wage Withholding was sent to the complainant's employer instructing them to remit 15% of her disposable wages. Again, the statements made about garnishment were neither reckless nor cavalier...at the point garnishment was mentioned, the process had already begun. Because the complainant is seemingly upset by the tenor of the two conversations she has had with Delta, and because we do not wish to further upset her, we will cease placing any calls to her from this date forward. The complainant obviously remains free (and welcomed) to contact Delta, as we remain happy to discuss voluntary resolution of her liability. It is important for the complainant to understand, however, that her account is presently in active garnishment and must now be handled differently.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
I reserve the right to turn the matter over to my attorneys if any more calls are received from any division of this company.
Regards
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. 
Both the secretary and HR witnessed Delta Management requesting to speak to me on the second call, and when I came to receive the call, I advised them as I did prior to not cally work place.  They also called several employees prior advising them that they have reached the wrong extension and to please transfer them to my extension and with some they even left their contact number to be called.   This is a practice of this company.   They should not be in the business of calling workplaces even if it is legal but when told not to, should abide by the law.  On both calls, I have witnesses of me asking them not to call and on both calls they asked for me directly. They are creating narratives outside the truth to cover their nefarious operations and I pray and hope that more people speak up.   Since filing this complaint, the calls have stopped.  
Regards,
[redacted]

Delta Management Associates, Inc. (Delta) did initiate a mailing to the complainant's employer directing them to withhold 15% of her wages through an Administrative Wage Garnishment (AWG), although Delta would not classify this as an "informal letter". Prior to this mailing, Delta had sent letters...

directly to the complainant, and had attempted to reach her by phone on multiple occasions. Voicemail messages were left for her and one contact was made wherein she indicated she wished us to call her at work no further. This demand was honored by Delta. The latest contact with the complainant's employer was not made to establish contact with the complainant...rather to effect the collection of the account directly from her employer. Delta will continue to honor the complainant's wishes that we not contact her at her job. However, future calls may be placed to her employer to ensure that they comply with the demand made of them as outlined in the mailing to which the complainant refers. Lastly, as the complainant now indicates that she questions the validity of the debt on which Delta is collecting, we will request and forward her a copy of the Promissory Note as well as a copy of the payment history. While Delta anticipates we will get this information to the complainant in relatively short order, it is important that she understand this request will not forestall the AWG action that is in place against her. Should she have any questions of Delta, the complainant is free to contact Delta at [redacted] and speak with [redacted]. She is the manager of Delta's AWG unit.

Delta Management Associates, Inc. (Delta) did mail the complainant a letter in February 2017 that clearly outlined the purpose of our trying to reach her. We also called her (at the same phone number she provided the Revdex.com) on 3/28/17 and asked for the complainant by first and last name, but the woman...

who answered reported that we had dialed the wrong telephone number. We marked the number as a 'Do Not Call' number and have not attempted to dial it ever since. Delta has attempted to communicate with the complainant but she has not responded nor communicated with us at all. It is important to note that Delta did not purchase this account...we do not own it. It was assigned to us by the entity with whom the complainant did business. Presumably, the complainant is seeking further explanation of the liability. Delta will gather what we are able and will forward same to the complainant. If, in the interim, the complainant has any questions or concerns, she remains free to contact Delta toll-free for assistance at ([redacted].

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Delta Management Associates, Inc. (Delta) has never spoken with the complainant. We did place a total of three calls to her at the phone number provided by her in her complaint, once in February, once in March, and once this month. We never made contact with anyone, and did not leave a message on...

any of the three occasions. Further, Delta does not now, and has never, operated under the name/acronym "DTM". The purpose of our calls to the complainant had nothing to do with a car loan, and nothing contained in any communication directed toward the complainant threatened any legal action whatsoever. Delta would therefore have to assume that the complainant has been contacted by an entity other than us, and one who would be responsible for the charges leveled against us in her complaint. Delta believes that we have a legitimate business purpose in trying to contact the complainant but, because we have not definitively verified her identity, cannot speak to the specifics of that purpose. And, because the complainant has suggested that she wishes to not be contacted by Delta, we shall place 'Do Not Call' alerts that will preclude any efforts by us to contact her. If the complainant is contacted again about an alleged auto loan and/or pending legal action, it will not have been a communication generated by Delta. Lastly, should the complainant wish to contact Delta to discuss the matter on which we attempted to reach her, we would be most happy to assist her in whatever ways possible. Our toll-free number is [redacted].

Delta Management Associates, Inc. (Delta) did, on behalf of our client, agree to accept a reduced sum to settle her daughter's account. A letter was sent indicating the amount and the date by which the payment needed to be made. The complainant mailed a payment that was $40.00 less...

than the amount needed to fulfill the settlement agreement. The account sat in an 'unmanned' queue for a period of time until Delta received a call months later from the complainant inquiring as to why a balance still showed as owing from our client. It was explained to her that the settlement amount was less than agreed to, and different options of remedying the existing default were discussed. Delta tried many times to follow up with the complainant and her daughter, but our calls that were placed over a period of several months were not returned. Delta heard nothing further until March 2016 after the complainant's daughter's tax refund was intercepted and applied toward the outstanding balance. Even after the application of this offset payment, a balance does remain. Delta would be happy to discuss both the application of the payment as well as means of resolving the remaining liability with the complainant and/or her daughter. Either of them are encouraged to contact Delta's Special Assistance Unit at [redacted] This group is comprised of Delta's managers trained in handling consumer inquiries and/or concerns.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
[Delta should be at fault. I was working with the [redacted] and we did discussed the timeline which was being made. Delta Management basically shut us out and no longer allowed us to discuss the matter with [redacted]. Thus, they were able to charge us the additional cost of 25K]
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. However, I would suggest that the business add a new and simple (safeguard) by calling the debtor's employer to confirm that they have the correct person prior to sending garnishment documents.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Delta Management Associates, Inc. (Delta) began speaking with the complainant in August 2015. The program to which he refers was discussed in detail, as were the terms and timelines associated with the avoidance of collection costs being added. Unfortunately, the timelines were not met, and the...

collection costs were (irrevocably) added. Delta did send the agreement out, through email and through [redacted]. Again, this agreement was not returned timely. Lastly, as to the issue of Delta's identification policy, we understand that some consumers find it onerous, and apologize for any inconvenience the complainant may have felt as a result of this policy. But the policy exists to ensure that the private and sensitive information with which Delta is entrusted is only disclosed with individuals whose identities have been fully verified by us.