Diversified Adjustment Service, Inc.

I am rejecting this response because: I will ask on the next call tonight or tomorrow what number they are calling when reaching my number so maybe that could help to eliminate the problem

The complainant has 6 collection accounts listed in our office either currently or in the recent past for 4 different creditors. This complainant is simply not being truthful in this complaint. For the account that the complainant did pay the account was reported as paid and the delete order was...

submitted. We have no control over how quickly the credit bureaus process updates but the process is certainly not immediate. As to the complainant’s invective language and threats of legal action we see no need for response. In the event the complainant wishes to bring a baseless lawsuit we will respond appropriately.

It would appear that the complainant did not apprise his
creditor of a change of address. We have sent a placement letter to the address
listed on this complaint. I note that we received an email from the complainant
regarding this account yesterday and today we emailed an itemized statement...

to
the complainant.
I am sure that now that any confusion regarding the account
has been cleared up that the complainant will now remit payment of his
delinquent account to our office.
Sincerely,
 
Peter M.
[redacted]
General
Counsel

Our credit reporting on accounts placed with our collection agency is done based on the information provided by our creditor clients. The sum total of the information provided in this complaint by the complainant raises sufficient issues and anomalies that we believe that it is entirely reasonable...

to initiate a courtesy deletion of the credit reporting that has been issued on the account at issue.The deletion request will be issued to the credit bureaus immediately but the time frame for the bureaus to delete the entry is not in our control.I will note that this is exactly the same result as would have occurred had the complainant contacted us directly.

There is nothing substantive in the complainant’s response. We decline the complainant’s request that we do his legal research for him. We will deal with the complainant’s present account as well as any future accounts in the complainant’s name that may be referred to our office in an appropriate manner consistent with the applicable laws. Our prior response addressed all of the issues raised by the complainant and we see nothing further to address.

Initial Business Response /* (1000, 5, 2015/09/03) */
Revdex.com of Minnesota and North Dakota
[redacted] XXXXX
September 3, 2015
Re: [redacted]
Your Case No.: XXXXXXXX
Dear Sir or Madam,
The telephone calls at issue made...

from this office were to numbers provided by our creditor client as contact numbers provided to them.
I have listened to all of the recordings of the telephone calls made on the account at issue. The complainant's statement that he has asked us to remove certain telephone numbers from our account is not accurate. The persons answering the numbers called agreed to take messages for the person we were trying to reach. They did not ask that we not call the numbers.
As a courtesy, I have removed the telephone numbers from the account.
If you have any questions, please do not hesitate to contact this office.
Sincerely,
[redacted]
General Counsel
Initial Consumer Rebuttal /* (2000, 7, 2015/09/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)

This is identical to a CFPB complaint filed by this complainant. Here is the response to that complaint: The complainant here has clearly replied to a No Reply email. We clearly did not receive the email or we would have processed his request for cessation of contact. In regards to the...

complainant’s allegation:                I called them again on Tuesday March 7, 2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible.The complainant is simply not telling the truth. This did not happen. This complainant has a history of fabrication. Please see complainant’s CFPB complaint [redacted]. There has been no inappropriate activity on the part of our company regarding the complainant and his debt.

Initial Business Response /* (1000, 5, 2015/07/21) */
Revdex.com of Minnesota and North Dakota
[redacted]
[redacted] XXXXX
July 21, 2015
Re: [redacted]
Your Case No.: XXXXXXXX
Dear Sir or Madam,
The complainant's delinquent account was...

referred to this office for collection in March of 2015. We attempted to contact the complainant in March, April, May, and June with no response. The account was paid through our website and credited to the account on July 02, 2015. The complainant sent an email requesting that we contact her to confirm receipt of the payment. We attempted to contact the complainant but there was no response to our calls. We will be updating the credit reporting of the complainant's account to show as paid in full. This office did not make any agreement to delete credit reporting of this account.

The complainant did not request a receipt letter. We will issue one to her.
If you have any questions, please do not hesitate to contact me.
Sincerely,
[redacted]
General Counsel

This office does not do any credit reporting activity on behalf of [redacted]. We are not able to address any internal decisions [redacted] may have made regarding an account in the complainant’s name. We do know that [redacted] has a robust fraud prevention program and suggest that the complainant visit...

that segment of the [redacted] website at www.[redacted]wireless.com/fraud/. If a fraudulent event has occurred we are confident that appropriate action will be taken by [redacted].

As I did get the documentation I needed to close on my home, the reply from the collection agency were alternative facts. Yes, I saved $718.00 as that's what the roll of  collection agency are. They provide discounts to get these outstanding bills paid.  So please don't act like I received a favor because that what's I negotiated. I learned about this collection bill through my loan officer, this was something that I put in my name for a family member. The day that I called I didn't have a closing date at that time. So I had time to split the payments over a months time. But once I received my closing date it was happen to be a week after my last payment was made. So at that time I called and requested a copy of the bill. At that time, I informed customer service what I needed the paid receipt for. And at that time, I was still never informed about needing to wait until 10 days after the payment posted to get a paid invoice. I was told at that time it will be email. After not receiving the email, I called again. I called everyday for a wk explaining what my issue was. And I was informed of the 10 day policy at that time. I was even provided a fax number where I can fax my proof of cancelled check to get the letter sooner. As I did that and emailed it, I still never rec'd the letter. On 04/21/17, I called because that was the day the 10th day and was told I can get it on the 21st. The office closed and I never rec'd it. I called [redacted] Wireless that day and they emailed me something ASAP. And I did inform the director of [redacted] and provided emails, dates and times. So as the person stated they listened to the monitored call, they clearly did not listen to the subsequent calls made from April 13th-April 21st that clearly states I wasn't informed of the 10 day rule. I got what I needed so I'm okay now but the reviews about Diversified Adjustments online are all true. Thanks Revdex.com for yourhelp. [redacted] took care of me.

Dear Sir or Madam,The complainant left messages threatening legal action and verbally informed one of our employees of this intention. We request that this complaint not be listed as the complainant has, by her choice, left us in a position where we are not able to respond in this...

forum.Sincerely,Peter M. [redacted]General Counsel

We stand with our original response. To directly address the complainant’s allegations here:1) We do not do any credit reporting activity on behalf of [redacted].2) The State of California does not require a collection agency to be specifically licensed in that State. We are, however, licensed in the 46 States, Territories, and municipalities that do require collection agency licensing.3) The original creditor is who actually sends the debts to us for collection. We do not purchase debts.There is nothing of substance here. If the complainant alleges possible fraud and yet makes no effort to address the issue, there is nothing that we can do. It is a choice the complainant is freely able to make.

Initial Business Response /* (1000, 11, 2015/07/13) */
Revdex.com of Minnesota and North Dakota
[redacted]
[redacted] XXXXX
July 13, 2015
Re: [redacted]
Your Case No.: XXXXXXXX
Dear Sir or Madam,
The complainant's $76.63 delinquent account has...

gone unpaid for more than a year. This office is the second collection agency to which the account had been referred. The account was referred here on December 26, 2014. We attempted to contact the complainant by mail and by telephone. We received no response from the complainant.
On June 9, 2015 at 4:14 PM the complainant contacted our office. She demanded that a payment to be immediately posted to the account, a confirmation of that payment issued to her and all references to the account removed from credit reporting. All of this was to be done immediately as apparently the complainant wished to purchase a home and her delinquent account was causing a problem.
I have listened to the relevant calls and the employee who dealt with the complainant tried to accommodate the complainant to the extent possible. It was not possible to post the payment on June 9th as posting transactions had been completed for the day. The complainant was not told that the credit reporting would be deleted; she was told that it would be updated to show a zero balance. She was told that we would try to get it reported on June 10th but that could not be guaranteed. We are unable to issue receipts until payments are posted and the account shows the payment.
The complainant continued to call frequently with the same demands. She was informed each time that things were in process. When the complainant received her payment confirmation email she was unsatisfied because the email was not on letterhead. A receipt letter on letterhead was mailed to her.
The reality is that our employees attempted to accommodate the complainant's demands. We were not able to accomplish that to the complainant's satisfaction within the less than 24 hours the complainant was willing to give for her demands to be met. At this point the account is paid, the credit reporting is updated, and the receipt letter has been issued.
If you have any questions, please do not hesitate to contact this office.
Sincerely,
[redacted]
General Counsel

It is impossible for the complainant to have proof that we are calling her because we are not calling her. While we do understand the complainant’s frustration our original response is accurate in all respects. We are not calling the complainant’s telephone number and we are not able to determine from where the forwarding of the calls is originating. As a practical matter it would make no sense for us to call the complainant’s telephone number. The complainant’s name is not in our database. The complainant’s telephone number is not in our calling database.  It would accomplish no valid purpose for us to call the complainant’s telephone number. The actual culprit here is whoever it is who is forwarding our calls to the complainant’s telephone number. We cannot be responsible for the negative actions of an unknown third party.  Additionally, I will simply note that we are in favor of requiring that when a call is forwarded that the forwarder’s phone also be noted. The technology would be simple but the regulatory powers did not choose to require this. Had this been implemented we would have no trouble identifying the forwarder of the calls and the complainant would no longer be receiving calls not meant for her.

Initial Business Response /* (1000, 8, 2016/02/15) */
Revdex.com of Minnesota and North Dakota
[redacted]
[redacted] XXXXX
February 15, 2016
Re: [redacted]
Your Case No.: XXXXXXXX
Dear Sir or Madam,
The complainant's delinquent account in the...

amount of $55.52 was referred to this office for collection on August 10, 2014. A placement letter in full compliance with all applicable laws and regulations was issued on August 15, 2014.
On September 10, 2014, no payment having been received, the account was reported to credit bureaus as a delinquent collection account. On March 15, 2015 the complainant paid the account. On March 18, 2015 our credit reporting was updated for this account to show the account as paid in full.
We are required to report accurate information to credit bureaus and that is exactly what has happened here. The complainant's credit report is not false in any way, manner or form. The complainant has a delinquent account that was referred to collections and then was paid in full. That is exactly what her credit report reflects.
If you have any questions, please do not hesitate to contact me.
Sincerely,
[redacted]
General Counsel
Initial Consumer Rebuttal /* (3000, 10, 2016/02/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have a recent credit report that shows that your response is incorrect. You never updated my account.
Final Business Response /* (4000, 12, 2016/02/18) */
Revdex.com of Minnesota and North Dakota
[redacted]
[redacted] XXXXX
February 18, 2016
Re: [redacted]
Your Case No.: XXXXXXXX
Dear Sir or Madam,
On March 18, 2015 our credit reporting was updated for this account to show the account as paid in full.
If the complainant believes that there is an error on her credit report the appropriate procedure is to dispute that entry with the credit bureau. The credit bureau will send an inquiry to the reporting entity showing what is reported and what is alleged. The complainant has not done this. I suggest that if she believes there is an error on her credit report that she file a dispute with the appropriate credit bureau.
Our records definitively show that on March 18, 2015 our credit reporting was updated for this account to show the account as paid in full.
As I stated in our original response, we are required to report accurate information to credit bureaus and that is exactly what has happened here. The complainant's credit report is not false in any way, manner or form. The complainant has a delinquent account that was referred to collections and then was paid in full. That is exactly what her credit report reflects.

If you have any questions, please do not hesitate to contact me.
Sincerely,
[redacted]
General Counsel

Revdex.com of Minnesota and North Dakota 220 S. River Ridge Cir. Burnsville, MN 55337May 5, 2016Re:       [redacted]            Dear Sir or Madam,Our records definitively show that on April 20,...

2011 our credit reporting was updated for this complainant’s collection account to show the account as paid in full. If the complainant believes that there is an error on her credit report the appropriate procedure is to dispute that entry with the credit bureau. The credit bureau will send an inquiry to the reporting entity showing what is reported and what is alleged. A response is required. The complainant has not done this. I suggest that if she believes there is an error on her credit report that she file a dispute with the appropriate credit bureau. We have explained to the complainant that this is the process that must be followed. We are required to report accurate information to credit bureaus and that is exactly what has happened here. The complainant’s credit report is not false in any way, manner or form. The complainant had a delinquent account that was referred to collections and then was paid in full. That is exactly what her credit report reflects. Please find below matters that have occurred with the complainant regarding her account since the time it was originally placed with this office for collection:March 7, 2011 - The complainant alleged that this debt had been paid to a prior collection agency. This was not accurate.June 17, 2011 – With full knowledge that this was her account and shortly after having voluntarily paid the delinquent account the complainant filed an identity fraud claim with the credit bureau in an attempt to have the entry removed. We verified the appropriate information and status and the entry was not removed.March 2, 2016 – The complainant contacted our office stating that the account was still showing as in collections. We explained to the complainant that the report showed a zero balance collection account showing that the account had been paid. This is an accurate reflection of the account. The complainant requested a receipt reflecting the zero balance and we provided that to her.March 16, 2016 – The complainant contacted our office requesting a full deletion of the credit reporting for this account.March 24, 2016 - The complainant contacted our office requesting a full deletion of the credit reporting for this account.March 24, 2016 - The complainant contacted our office again stating that she wanted to dispute the credit reporting of this account. March 24, 2016 - The complainant contacted our office again stating that she wanted to speak to a supervisor. She was transferred to the supervisor line but did not leave a message.April 4, 2016 – The complainant wrote to this office requesting removal of the credit reporting for her account.April 29, 2016 – The complainant contacted our office alleging that Experian did not show her account as paid. She wanted to speak to a manager. She was transferred to the supervisor line and did leave a message requesting a return call.May 02, 2016 – A supervisor from our office contacted the complainant and explained that our records show that we have reported the account as a zero balance and have done so since the time it was originally paid. The supervisor explained to the complainant that if she believed that an entry on her credit report was not correct that she must dispute that entry directly with the credit bureau.Again, our records definitively show that on April 20, 2011 our credit reporting was updated for this account to show the account as paid in full. If the complainant believes that there is an error on her credit report the appropriate procedure is to dispute that entry with the credit bureau. The credit bureau will send an inquiry to the reporting entity showing what is reported and what is alleged. If you have any questions, please do not hesitate to contact me.Sincerely,Peter M. [redacted]General Counsel

The complainant’s delinquent account in the amount of $241.28 was placed with our office for collection on July 26, 2016. On November 08, 2016 the complainant verbally disputed the account alleging that it had been paid. We did not then, and to date have not, received a proof of payment from the...

complainant. On November 15, 2016 we received a dispute letter from the complainant which simply stated that the account was disputed and validation requested. We marked the account as disputed and although the statutorily mandated requirement period for providing verification of the debt had passed over 2 ½ months prior to our receipt of the complainant’s written dispute we nonetheless sent verification of the debt to the complainant on November 16, 2016. On November 25, 2016 we received a second dispute letter from the complainant. This letter contained inaccurate verbiage regarding credit reporting responsibilities and requirements. Neither of these letters contained a proof of payment for the account.This complainant is simply incorrect as to the legal requirements contained in the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and the Consumer Credit Protection Act. We see no reasonable basis for withdrawing any credit reporting on the complainant’s account.

Initial Business Response /* (1000, 8, 2016/02/15) */
Revdex.com of Minnesota and North Dakota
[redacted]
[redacted] XXXXX
February 11, 2016
Re: [redacted]
Your Case No.: XXXXXXXX
Dear Sir or Madam,
The complainant's delinquent account in the...

amount of $34.87 was referred to this office for collection on January 14, 2016. A placement letter in full compliance with all applicable laws and regulations was issued on January 16, 2016. Our creditor client operates phone service access for prison inmates and their families. They are the exclusive communication conduit for the incarceration centers they serve.
The complainant contacted our office to verbally dispute the account. We requested that the dispute be sent to us in writing as set forth in the applicable laws. The complainant refused.
The account came to us from our client in the complainant's name and with the complainant's address. We have marked the account as disputed but will take no action regarding the alleged dispute without receiving the dispute in writing.
The complainant makes reference to a credit card payment. We cannot address that issue as there were no payments of any kind made to this office on this account.
I will note regarding the complainant's allegations of "internet horror stories" regarding our client that it is relatively easy to find "horror stories" about anything on the internet. With relatively little effort I was able to find very negative stories about Mother Teresa, Harvard University, the Revdex.com, and Goodwill.
If you have any questions, please do not hesitate to contact me.
Sincerely,
Peter [redacted]
General Counsel

Unfortunately for the complainant simply reiterating an incorrect position does not make it correct. We stand by our earlier response.

I am rejecting this response because:Please call again as I would like to resolve. Don't believe I am the correct person you are looking for.