DeVille Asset Management, Ltd

Complaint: [redacted] I am rejecting this response because: The company still hasn't sent me anything, and they still didn't send what they needed to send in a timely mannerI don't have a contract with themI would suggest this company send this account to the company they bought if fromThey removed this account from one credit file and moved it to anotherI have enough information now to take legal action, and they need to check the arbitration clause from cnac/ [redacted] Im none with [redacted] and their so-called validation Regards, [redacted] ***

Dear [redacted] I have reviewed your account and our investigation supports the reported collection activity based on the attached documents This debt is from a [redacted] loan that [redacted] purchased in March, of I have attached the signed contract, credit application, and the deficiency letter showing the breakdown of the balance owed [redacted] is a large debt purchasing company, therefore, we do not originate the actual loan [redacted] has no record of any previous disputes filed with [redacted] , but we can assist you with any additional questions you may have concerning this outstanding balance.We look forward in assisting you Please contact our office at [redacted] [redacted]

Dear [redacted] ***, We take all claims seriously and evaluate each thoroughly on a case-by-case basisAs a part of our review process, we found the following in response to your claim that Deville Asset Management has not responded to your previous dispute submitted in February 2018, concerns with your credit report, and the validity of our state of Texas bond Per our investigation, we found that we did respond to your February dispute by providing the supporting documents These documents were mail on February 28, to the provided address Deville Asset Management is a debt buyer and we purchased this loan in March of 2017, which is the date that should reflect on your credit report I have also provided the supporting documentation for the loan with [redacted] for the Dodge Dart, supporting the reported collection activity I have attached the signed loan agreement from [redacted] and the credit application from [redacted] ***We have also received your online dispute via [redacted] in August of and we responded validating the dispute providing the supporting documentationRegarding your concerns due to our [redacted] for the state of Texas, Deville Asset Management is bonded to collect in the state of Texas Our [redacted] for Texas was not canceled, the bond was reflecting an expiration date of March 11, Deville has filled a renewal for the Third-Party Debt Collector [redacted] on January 19, and it was signed by all parties dated February 1, Our records also show that you have not contacted our office regarding these concernsIf you have any additional concerns or questions regarding the provided documents, please contact our office at your earliest convenience at [redacted] Thank you, [redacted]

Dear [redacted] ***, The account that you are referring too, in the amount showing owed of $2,301.59, originated from a purchase with a company called [redacted] *** [redacted] purchased this debt in and did report based on the delinquency date of 05/31/ However, this debt has since been requested to delete from the credit reporting as of September Once we request a deletion from the credit bureau, it can take up to days to reflect this deletion request on your credit report I also confirmed that [redacted] never had any bankruptcy information nor did we report to the credit bureau a filed bankruptcy If you would like to have a deletion letter for your records, please contact our office at your earliest convenience and we can provide you with a credit deletion letter and/or if you have any other questions or concerns.Thank youCompliance Manager [redacted]

Dear [redacted] , I have reviewed your dispute regarding Deville not providing you with the requested signed contractual documentation to support this collection activity Deville Asset Management is a debt purchasing company, we do not originate the actual loanDeville has responded to every submitted request to validate I understand you are requesting that we provide you with a signed contract, but the originating lender does not utilize physical contracts to open a line of credit for their customers We have provided you with the [redacted] supporting documentation reflecting a purchase of a inch LED HD TV delivered to [redacted] address to support the collection activity each time you requested Deville to provide validationI also noticed when reviewing the account, that we have never spoken to you, nor have you called into our office regarding this account Our goal is to assist you with a resolution, I have placed this account in a hold status which will stop the credit reporting and any collection activity until we have additional information regarding your dispute Can you please advise if you were asking for a contract with your signature because you have no knowledge of the purchase or the account that was opened with [redacted] ? Please respond or contact our office, with the needed details to better assist you I look forward in assisting you, Thank you, [redacted]

Dear [redacted] ***, We take all claims seriously and evaluate each thoroughly on a case-by-case basisAs part of our review process for your complaint, we show you are concerned your [redacted] account being falsely charged by [redacted] , and that you have paid the remaining balance to *** Our investigation reflects that [redacted] purchased this debt December of Our records show that [redacted] mailed you a letter informing you of the [redacted] purchase and steps to be taken to resolve your [redacted] debt during the first week of January Today we confirmed with [redacted] that an online payment was made in the amount of $on January 25, through the [redacted] website Our records show that you contacted our office on January 25, but [redacted] would not have been notified of your payment at this time All payments made to a servicer are sent to [redacted] to process the first of the following month [redacted] has placed your account in a hold status to prevent collection activity and to prevent the account from being reported to the credit bureau We have also confirmed with [redacted] that they will send you a paid in full letter In the event [redacted] has any additional questions regarding this account, please contact our office at [redacted] We look forward in assisting you in resolving this matter, [redacted]

DeVille Asset is licensed in all states that require a collection agency to beWe purchased this debt from Riverwalk Holdings who is the original purchaser from US BankRiverwalk Holdings obtained a judgment against Mr [redacted] DeVille has communicated with both Mr [redacted] and his son [redacted] They were provided information about the debt and have since agreed that they would work out a resolution with DeVilleThey also stated they were going to retract their Revdex.com complaint as it is inaccurate

The consumer will not receive any more contact from DeVille Asset Management

DeVille received an account for this consumer in July We have just started to contact the consumer and the loan originated in If the consumer had requested our company to cease & desists verbally or written we would have done soI will move the consumer's account into a Cease & Desist status and provide her with the documentation she requested to the address she provided

Deville Asset Management does not and has never illegally reported ANY debts to the credit bureau or to anybody elseDebt that remains unpaid is often bought and sold from company to company , it quite the process these daysThat is the case hereThis account was purchased on 3/29/and ( as we are allowed to do per federal regulations ) we reported this VALID an LEGAL debt to the bureauYou would not know who we are unless you actually returned phone messages or responded to our attempts to contact you Via MailI will treat this complain as a dispute and remove it temporarily from your CB and validate as is my required actions again per federal lawI would appreciate it if you would CALL Deville at [redacted] or [redacted] and inquire as to who we are and why we have reported you before you make claims against my companyThanks

Good afternoon, As previously stated the documents have been requested, they are currently warehoused by the original creditor [redacted] and are not on sightI will go ahead and make sure the validation of debt letter is sent out right away and in a few days when the documentation is received we will forward copies of that as well This will all be expedited to the best of my abilityThank you for your time

The account in question could NOT have been included in a bankruptcy years ago because the debt was only incurred and charged off here in the last few yearsIt is a valid debt and I will forward the documents and validation of debt letterIt is regarding a [redacted] account pertaining to [redacted] Please call us for more information before filing a complaint before checking with us to see what it is

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 As long as they follow through on their action steps Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:First of all, as I mentioned in my initial complaint, I never received your response to my request for validation within the specified days There is no evidence to support your claim that I did Secondly, any information or documentation provided at this point comes too little too late [redacted] has already violated the Texas Finance Code I have already suffered damages as a result of the debt collector's willful negligence in this matter Never the less, I am respectfully requesting [redacted] do the right thing and remove the invalidated account from my credit reports at immediately I am making every effort to resolve this matter without presenting this case before a courtroom jury in my community Regards, [redacted] ***

Dear [redacted] , In review of the complaint filed, I have attached the supporting documentation on the loan for the Nissan Altima I have attached the signed [redacted] retail installment contract showing the lienholder is [redacted] , a copy of your Texas driver’s license, and the credit application Please understand, at the time you filed your [redacted] complaint, we did not have these documents to validate Our records show we communicated to you, and to the [redacted] that we would remove the outstanding debt while investigating the validity of this debt By gaining the supporting documentation, we validated this debt and are now accurately reporting to all three credit reporting agencies We have mailed out notices, and provided a copy of these supporting documents to the address on file If you would like to discuss options on resolving this debt, please contact our office at your earliest convenienceSincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:Unacceptable response I guess they intend to continue to report invalidated account Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I never received nor signed for any certified mail from your companyOr has had any communication from this company Your company is not licensed in the state of [redacted] to collect debt in the first placeThis is not sufficient evidence saying that owe your companyCopies of bills is not suffice in proving I owe any debt to you Please provide documentation showing where the account was purchased and a license number for the state of [redacted] Thank you Regards, [redacted]

Dear [redacted] ***, [redacted] is a large debt purchasing company, we do not originate the actual loanThe original lender as well as the documentation validating the debt can be ascertained by contacting us directly rather than filing a complaint such as thisSeveral attempts to contact the consumer have been made as per requirements I have attached the [redacted] *** ledger for you to review.If you have any other concerns, please contact our office directly at [redacted] .Thank you, [redacted]

Dear [redacted] If you will provide information that will better identify your account, I can better investigate and or provide you with supporting documentation Please see the attached document supporting [redacted] being able to conduct business in [redacted] pursuant to [redacted] ** of the General Statutes of [redacted] .Please contact our office at your earliest convenience if you would like to discuss your accountThank you, [redacted]

Dear [redacted] , In review of your complaint, our investigation supports the collection activity based on the agreement you had with [redacted] We have previously provided you with the supporting documents via certified mail and regular mail that validates the balance owed, and I have provided those documents again for your review Please review the two billing statements showing your purchases and the terms of your [redacted] account Our records show your last payment made was on June 11, in the amount of $ [redacted] bought the debt from [redacted] on June 30, so all payments would now be made with [redacted] If you would like to discuss your account or payment options, please contact our office at your earliest convenience Thank you, [redacted]