DFC Legal Services, LLC

This account was originally assigned to [redacted] Legal Counsellng and one of their staff members contacted the debtor in connection with the debtThe Attorney who is responsible for debt collection of this company is [redacted] When the debtor contacted Mr [redacted] to verify he was the attorney for the company he stated he did not know anything about the debtThis information was reported to our client, the original creditor who advised our officeThe account was immediately closed out with [redacted] Legal Counseling and all other accounts that had been placed with this office were pulled as well because of what we believe for improper conduct by the supervising attorneyAfter our client contacted us regarding this matter the debtor was contacted by one of our office managersThe debtor advised that he wanted to verify the legitimacy of this debt and was provided with verification informationA payment had actually been made by the debtor and the payment was credited back to the account used by the debtor to pay the accountOur senior office manager advised to close out this account because of the improper and inappropriate conduct of counsel for [redacted] Legal CounselingThe refusal of counsel of [redacted] Legal to acknowledge his responsibility for supervision and control of collection activities of his company is the reason debtor questioned the validity of debt collection effortsOur office and staff was placed in the position of trying to explain the rationale for conduct that would not be condoned by our office or this attorneyThe complaint should be filed against [redacted] Legal Counseling and/or their attorney

I was away from the office due to a family medical issue however I asked my office supervisor to research and review thisIt is my understanding that this individual called in, spoke with an account manager and made payment arrangementsThe method of payment was verified and authorizedTwo contact numbers were provided, one of the numbers provided turned out to be a work number but this was not disclosed at the time it was providedOur office does not contact employment numbers unless given permission to do soThe payment declined when it was scheduled and contact was made at the numbers providedAgain, it was not known that one of the numbers provided was a work numberWhen the office was advised that the payment arrangement would not be honored and not to contact the office the file was closedSince my return to the office I have confirmed that the file was closed

This individual was contacted to obtain location information on another individualIt was never represented to her that she was being contacted in connection with any debtNo information was provided to her other than the name of the individual we were attempting to locateShe apparently passed on our contact information and we were contacted directly by the individual we were attempting to locateAs a result of that, her contact information was deleted from our recordsThere were no threats of legal action made nor any demand of her regarding any debt

? Complaint: [redacted] I am rejecting this response because:I never called them to set up a payment plan they called me at work and was treated severely rude, I had another employee next to listening to the hole conversation and the gentleman on the phone was very rude and threatening me with court extra fees garnishment etcafter I told him I could not be contacted at worked he said he could and then a week or two later he called again I lost several days of work due to suspension over the phone calls I am great full the case has been closed but left me with out almost a week of pay due to the company calling twice at my work the first time the gentleman fighting me over the phone and the second time my assistant manager took the phone call and also explained they did not take those types of phone calls and and the gentleman on the other end of the phone persisted to threaten me to my asst manager I have all this documented and do not wish to proceed with any other issues but some compensation for my lost time of work Sincerely, [redacted]

This account was originally assigned to [redacted] Legal Counsellng and one of their staff members contacted the debtor in connection with the debtThe Attorney who is responsible for debt collection of this company is [redacted] When the debtor contacted Mr [redacted] to verify he was the attorney for the company he stated he did not know anything about the debtThis information was reported to our client, the original creditor who advised our officeThe account was immediately closed out with [redacted] Legal Counseling and all other accounts that had been placed with this office were pulled as well because of what we believe for improper conduct by the supervising attorneyAfter our client contacted us regarding this matter the debtor was contacted by one of our office managersThe debtor advised that he wanted to verify the legitimacy of this debt and was provided with verification informationA payment had actually been made by the debtor and the payment was credited back to the account used by the debtor to pay the accountOur senior office manager advised to close out this account because of the improper and inappropriate conduct of counsel for [redacted] Legal CounselingThe refusal of counsel of [redacted] Legal to acknowledge his responsibility for supervision? and control of collection activities of his company is the reason debtor questioned the validity of debt collection effortsOur office and staff was placed in the position of trying to explain the rationale for conduct that would not be condoned by our office or this attorneyThe complaint should be filed against [redacted] Legal Counseling and/or their attorney

Initial Business Response / [redacted] (1000, 13, 2015/08/26) */ Complaint is from a satellite call center out of StateI had a discussion with the manager in July regarding procedures and protocols that I require in order for office to continue operation under DFCReview of file indicates that both debtor and mother(Ms***) spoke with Mr [redacted] and agreed to a specific payment arrangement regarding the referenced debtA confirming email detailing the payment arrangements was sent out from that officeProcedure and protocol requires that requests for agreements be forwarded to me for review and that I send out any necessary agreementNotification was sent out that no agreement is to be sent out unless expressly authorized and approved by meNotwithstanding the fact that the notes reflect that both Ms [redacted] and her son authorized and agreed to a specific payment arrangement I have directed that no further collection activity or enforcement activity is authorized until I review recordings of the conversation as the notes indicate that an agreement was reached between the office, Ms [redacted] and her son on July 7, 2015.The file has been flagged as disputed and no further action is allowed unless expressly approved by me Initial Consumer Rebuttal / [redacted] (3000, 15, 2015/08/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) My son in the past got in over his head taking loans out from payday loansMy husband and I helped him outWe received a phone call on July stating he owed more money to them that was past dueWas told that if he didn't pay, he would be going to courtThe man on the phone had me believing that he took out another one even though they were paid offI did agree to payment and was told I would receive an emailI even stated "how do I know this is legit"While waiting for email, I was asked to give my credit card ahead of time before I even received anythingThat was a red flagTold him I'd call backWill waiting, I called payday loans and they said my son owes nothing and that this is a scamPeople get info on ones that take loans outI called them back and let [redacted] know that I wasn't falling for it and he wasn't getting nothingIt's going on months, still haven't received nothing from Anyone about him owing money and No court date

I was away from the office due to a family medical issue however I asked my office supervisor to research and review thisIt is my understanding that this individual called in, spoke with an account manager and made payment arrangementsThe method of payment was verified and authorizedTwo
contact numbers were provided, one of the numbers provided turned out to be a work number but this was not disclosed at the time it was providedOur office does not contact employment numbers unless given permission to do soThe payment declined when it was scheduled and contact was made at the numbers providedAgain, it was not known that one of the numbers provided was a work numberWhen the office was advised that the payment arrangement would not be honored and not to contact the office the file was closedSince my return to the office I have confirmed that the file was closed

Locations calls were made by Ms*** on February 1, 2017. Files received by our office have been through several creditors and/or agencies and frequently have invalid, incorrect or incomplete contact information and it is usually necessary to process the information through our
data provider to obtain names and numbers of individuals with potential location information. In response to the location call Ms*** called into the office and spoke with Mr***, a senior supervisor and manager. Mr*** obtained identification and debt verification information from Ms*** and advised that our office had received a debt from our client, the current holder of the original obligation which reflected a balance of $She was advised that the original creditor was *** ***. Ms*** disputed the balance and was advised that our office had authority to discount the balance and discussed a settlement amount. No additional request was made for validation or correspondence. It is our practice and policy that when initial contact is made with the debtor and the debt is verified that the required letter is mailed out within five days of contact unless the debtor advises that they do not dispute the debt and wish to make immediate payment arrangementsMs*** made payment arrangements and scheduled a date for paymentOur office sends up a written payment arrangement within seven days outlining the terms of any such arrangementPrior to the expiration of the seven days, Ms*** again contacted the office and said she had spoken directly with *** *** and was advised that the principal loan amount on the original debt was $117.00. This is not the amount reflected on the accounts sent to ouroffice and those accounts reflect to total contractual balance due including all applicable contractual fees, costs and Interest. The history of this particular account is as follows; *** *** sold the account and all collection rights to *** *** *** *** *** resold the account to *** *** *** who contracts with our client *** *** *** to process and collect on the accounts*** *** *** has a contract with DFC to supervise collection staff, train staff, ensure compliance of staff with provisions of the FDCPA and *** FDCPA, monitor activities to ensure compliance, review and approve any payment agreements, monitor payment arrangements, prepare and send all required correspondence and any debtor requested correspondence. Since our client is not specifically listed on any chain of purchase documents and since our office is collecting exclusively for this client *** *** would not have any information regarding DFC just as an original creditor would not necessary know the name of the firm who is ultimately used to collect on a debt that has been sold over numerous transactionsMs*** was provided information on the structure of this account and was encouraged to contact *** *** in light of her dispute and disagreement with the balance reported to our office and if she followed the chain of communication we provided she would be referred back to our office in connection with payment arrangements. This is the information she was provided, not merely the statement that “IT’S NOT GOING TO MATTER BECAUSE THEY ARE GOING TO REFER YOU BACK TO US.” On February 7, 2017, Ms*** called back into the office and stated that *** *** had advised her that the principal balance on the debt they sold and assigned was $Again, this statement only reflects the principal of the loan which was sold by *** *** and does not include any costs, fees or interest that are contractually applicable and assigned to the purchaser of the account. As stated previously, the balance amount reflected on the accounts sent to our office to collect include the principal balance and all unpaid contractual amounts due and owing, including fees, costs and interest that are part of the original loan agreementAfter being advised by Ms*** that she would only agree to pay the principal balance reflected, Mr*** advised her that our office would agree to accept this amount as full settlement of the original debt and Ms*** made specific arrangements for payment of this amount for February 16, using a different account for payment. The payment declined on February 16, and Mr*** spoke with Ms*** again on February 17, to advise of the declined payment and she made further arrangements for payment using yet another different account for payment and scheduled payment for February 28, 2017. Prior to said date, Ms*** apparently contacted *** *** to complain about the collection efforts above the principal balance of the law and complained about not being directly contacted regarding payment prior to assigning the account for collection to a third partyOur office has no duty or responsibility regarding the originalcreditor’s communication or obligations to Ms***Our office was advised of the complaint to *** *** via our client and we closed out Ms***’s account in our officeOur office is a non-litigation collection firm and does not initiate any legal proceedings. Our staff does not and has never made any statements or threat regarding garnishment, criminal prosecution or initiation of any proceeding or litigationAny such statement is expressly barred by our operating protocol and written policies and are grounds for immediate termination

Reviewed this complaint and discussed with staff member and supervisor. Location call was made to person listed as possible source of location informationDebtor called back in response and spoke with staff memberStaff member is new and in training and call was made on a file that
should have been deleted from the system due to age of debt, however, no information was given to person contacted to locate debtor and no mention was made of collection issueDebtor indicated that debt was not valid and requested a validation of debt letter but this request was not refusedThe matter was reviewed following the receipt of complaint and the file was closed out as a result of age of debtA staff meeting was conducted with all staff and supervisors reminding them of policy and protocol procedure that requires them to review debt information and verify that debt is still valid and not outside any applicable limitation period

Reviewed this complaint and discussed with staff member and supervisor. Location call was made to person listed as possible source of location informationDebtor called back in response and spoke with staff memberStaff member is new and in training and call was made on a file that
should have been deleted from the system due to age of debt, however, no information was given to person contacted to locate debtor and no mention was made of collection issueDebtor indicated that debt was not valid and requested a validation of debt letter but this request was not refusedThe matter was reviewed following the receipt of complaint and the file was closed out as a result of age of debtA staff meeting was conducted with all staff and supervisors reminding them of policy and protocol procedure that requires them to review debt information and verify that debt is still valid and not outside any applicable limitation period

Complaint: ***
I am rejecting this response because:I never called them to set up a payment plan they called me at work and was treated severely rude, I had another employee next to listening to the hole conversation and the gentleman on the phone was very rude and threatening me with court extra fees garnishment etcafter I told him I could not be contacted at worked he said he could and then a week or two later he called again I lost several days of work due to suspension over the phone calls I am great full the case has been closed but left me with out almost a week of pay due to the company calling twice at my work the first time the gentleman fighting me over the phone and the second time my assistant manager took the phone call and also explained they did not take those types of phone calls and and the gentleman on the other end of the phone persisted to threaten me to my asst manager I have all this documented and do not wish to proceed with any other issues but some compensation for my lost time of work
Sincerely,
*** ***

?
Complaint: ***
I am rejecting this response because:I never called them to set up a payment plan they called me at work and was treated severely rude, I had another employee next to listening to the hole conversation and the gentleman on the phone was very rude and threatening me with court extra fees garnishment etcafter I told him I could not be contacted at worked he said he could and then a week or two later he called again I lost several days of work due to suspension over the phone calls I am great full the case has been closed but left me with out almost a week of pay due to the company calling twice at my work the first time the gentleman fighting me over the phone and the second time my assistant manager took the phone call and also explained they did not take those types of phone calls and and the gentleman on the other end of the phone persisted to threaten me to my asst manager I have all this documented and do not wish to proceed with any other issues but some compensation for my lost time of work
Sincerely,
*** ***

Locations calls were made by Ms[redacted] on February 1, 2017.? Files received by our office have been through several? creditors and/or agencies and frequently have invalid, incorrect or incomplete contact information and it is usually necessary to process the information through our
data provider to obtain names and numbers of individuals with potential location information.? In response to the location call Ms[redacted]? called into the office and spoke with Mr[redacted],? a senior supervisor and manager.? Mr[redacted] obtained identification and debt verification information from Ms[redacted] and advised that our office had received a debt from our client, the current holder of the original obligation which reflected a balance of $She was advised that the original creditor was [redacted].? Ms[redacted] disputed the balance and was advised that? our office had authority to discount the balance and discussed a settlement amount.? No additional request was made for validation or correspondence.? It is our practice and policy that when initial contact is made with the debtor and the debt is verified that the required letter is mailed out within five days of contact unless the debtor advises that they do not dispute the debt and wish to make immediate payment arrangementsMs[redacted] made payment arrangements and scheduled a date for paymentOur office sends up a written payment arrangement within seven days outlining the terms of any such arrangementPrior to the expiration of the seven days, Ms[redacted] again contacted the office and said she had spoken directly with [redacted] and was advised that the principal loan amount on the original debt was $117.00.? This is not the amount reflected on the accounts sent to ouroffice and those accounts reflect to total contractual balance due including all applicable contractual fees, costs and Interest.? The? history of this particular account is as follows;? [redacted] sold the account and all collection rights to [redacted] resold the account to [redacted] who contracts with our client [redacted] to process and collect on the accounts[redacted] has a contract with DFC to supervise collection staff, train staff,? ensure compliance of staff with provisions of the FDCPA and [redacted] FDCPA, monitor activities to ensure compliance, review and approve any payment agreements, monitor payment arrangements, prepare and send all required correspondence and any debtor requested correspondence.? Since our client is not specifically listed on any chain of purchase documents and since our office is collecting exclusively for this client [redacted] would not have any information regarding DFC just as an original creditor would not necessary know the name of the firm who is ultimately used to collect on a debt that has been sold over numerous transactionsMs[redacted] was provided information on the structure of this account? and was encouraged to contact [redacted] in light of her dispute and disagreement with the balance reported to our office and if she followed the chain of communication we provided she would be referred back to our office in connection with payment arrangements.? This is the information she was provided, not merely the statement that “IT’S NOT GOING TO MATTER BECAUSE THEY ARE GOING TO REFER YOU BACK TO US.” On February 7, 2017, Ms[redacted] called back into the office and stated that [redacted] had advised her that the principal balance on the debt they sold and assigned was $Again, this statement only reflects the principal of the loan which was sold by [redacted] and does not include any costs, fees or interest? that are contractually applicable and assigned to the purchaser of the account.? As stated previously, the balance amount reflected on the accounts sent to our office to collect include the principal balance and all unpaid contractual amounts due and owing, including fees, costs and interest that are part of the original loan agreementAfter being advised by Ms[redacted] that she would only agree to pay the principal balance reflected, Mr[redacted] advised her that our office would agree to accept this amount as full settlement of the original debt and Ms[redacted] made specific arrangements for payment of this amount? for February 16, using? a different account for payment.? The payment declined on February 16, and? Mr[redacted] spoke with Ms[redacted] again on February 17, to advise of the declined payment and she made further arrangements for payment? using yet another different account for payment and scheduled payment for February 28, 2017.? Prior to said date, Ms[redacted] apparently contacted [redacted] to complain about? the collection efforts above the principal balance of the law and complained about not being directly contacted regarding payment prior to assigning the account for collection to a third partyOur office has no duty or responsibility regarding the originalcreditor’s communication or obligations to Ms[redacted]Our office was advised of the complaint to [redacted] via our client and we closed out? Ms[redacted]’s account in our officeOur office is a non-litigation collection firm and does not initiate any legal proceedings.? Our staff does not? and has never made any statements or threat regarding garnishment, criminal prosecution or initiation of any proceeding or litigationAny such statement is expressly barred by our operating protocol and written policies and are grounds for? immediate termination? ?

This account was originally assigned to [redacted] Legal Counsellng and one of their staff members contacted the debtor in connection with the debtThe Attorney who is responsible for debt collection of this company is [redacted]When the debtor contacted Mr[redacted] to verify he
was the attorney for the company he stated he did not know anything about the debtThis information was reported to our client, the original creditor who advised our officeThe account was immediately closed out with [redacted] Legal Counseling and all other accounts that had been placed with this office were pulled as well because of what we believe for improper conduct by the supervising attorneyAfter our client contacted us regarding this matter the debtor was contacted by one of our office managersThe debtor advised that he wanted to verify the legitimacy of this debt and was provided with verification informationA payment had actually been made by the debtor and the payment was credited back to the account used by the debtor to pay the accountOur senior office manager advised to close out this account because of the improper and inappropriate conduct of counsel for [redacted] Legal CounselingThe refusal of counsel of [redacted] Legal to acknowledge his responsibility for supervision? and control of collection activities of his company is the reason debtor questioned the validity of debt collection effortsOur office and staff was placed in the position of trying to explain the rationale for conduct that would not be condoned by our office or this attorneyThe complaint should be filed against [redacted] Legal Counseling and/or their attorney

? This individual was contacted to obtain location information on another individualIt was never represented to her that she was being contacted in connection with any debtNo information was provided to her other than the name of the individual we were attempting to locateShe apparently
passed on our contact information and we were contacted directly by the individual we were attempting to locateAs a result of that, her contact information was deleted from our recordsThere were no threats of legal action made nor any demand of her regarding any debt

I was away from the office due to a family medical issue however I asked my office supervisor to research and review this. It is my understanding that this individual called in, spoke with an account manager and made payment arrangements. The method of payment was verified and authorized. Two...

contact numbers were provided, one of the numbers provided turned out to be a work number but this was not disclosed at the time it was provided. Our office does not contact employment numbers unless given permission to do so. The payment declined when it was scheduled and contact was made at the numbers provided. Again, it was not known that one of the numbers provided was a work number. When the office was advised that the payment arrangement would not be honored and not to contact the office the file was closed. Since my return to the office I have confirmed that the file was closed.

Initial Business Response /* (1000, 13, 2015/08/26) */
Complaint is from a satellite call center out of State. I had a discussion with the manager in July regarding procedures and protocols that I require in order for office to continue operation under DFC. Review of file indicates that both debtor...

and mother(Ms. [redacted]) spoke with Mr. [redacted] and agreed to a specific payment arrangement regarding the referenced debt. A confirming email detailing the payment arrangements was sent out from that office. Procedure and protocol requires that requests for agreements be forwarded to me for review and that I send out any necessary agreement. Notification was sent out that no agreement is to be sent out unless expressly authorized and approved by me. Notwithstanding the fact that the notes reflect that both Ms. [redacted] and her son authorized and agreed to a specific payment arrangement I have directed that no further collection activity or enforcement activity is authorized until I review recordings of the conversation as the notes indicate that an agreement was reached between the office, Ms. [redacted] and her son on July 7, 2015.The file has been flagged as disputed and no further action is allowed unless expressly approved by me.
Initial Consumer Rebuttal /* (3000, 15, 2015/08/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My son in the past got in over his head taking loans out from payday loans.. My husband and I helped him out. We received a phone call on July 7 stating he owed more money to them that was past due. Was told that if he didn't pay, he would be going to court. The man on the phone had me believing that he took out another one even though they were paid off. I did agree to payment and was told I would receive an email. I even stated "how do I know this is legit". While waiting for email, I was asked to give my credit card ahead of time before I even received anything. That was a red flag. Told him I'd call back. Will waiting, I called payday loans and they said my son owes nothing and that this is a scam. People get info on ones that take loans out. I called them back and let [redacted] know that I wasn't falling for it and he wasn't getting nothing. It's going on 2 months, still haven't received nothing from Anyone about him owing money and No court date.

This individual was contacted to obtain location information on another individual. It was never represented to her that she was being contacted in connection with any debt. No information was provided to her other than the name of the individual we were attempting to locate. She apparently...

passed on our contact information and we were contacted directly by the individual we were attempting to locate. As a result of that, her contact information was deleted from our records. There were no threats of legal action made nor any demand of her regarding any debt.

This account was originally assigned to [redacted] Legal Counsellng and one of their staff members contacted the debtor in connection with the debt. The Attorney who is responsible for debt collection of this company is [redacted]. When the debtor contacted Mr. [redacted] to verify he...

was the attorney for the company he stated he did not know anything about the debt. This information was reported to our client, the original creditor who advised our office. The account was immediately closed out with [redacted] Legal Counseling and all other accounts that had been placed with this office were pulled as well because of what we believe for improper conduct by the supervising attorney. After our client contacted us regarding this matter the debtor was contacted by one of our office managers. The debtor advised that he wanted to verify the legitimacy of this debt and was provided with verification information. A payment had actually been made by the debtor and the payment was credited back to the account used by the debtor to pay the account. Our senior office manager advised to close out this account because of the improper and inappropriate conduct of counsel for [redacted] Legal Counseling. The refusal of counsel of [redacted] Legal to acknowledge his responsibility for supervision  and control of collection activities of his company is the reason debtor questioned the validity of debt collection efforts. Our office and staff was placed in the position of trying to explain the rationale for conduct that would not be condoned by our office or this attorney. The complaint should be filed against [redacted] Legal Counseling and/or their attorney.