Please see the attached.Consumer lodged a complaint with the Revdex.com on August 15, This company responded, and on August 21, 2015, the consumer rejected this company’s response In the consumer’s rejection, he reiterated the same objections of his original complaintConsumer reiterated that he does not owe money and that proof should be produced immediately Since this response may be viewed by the public, this company will not produce proof through this forum However, as stated in our original response, consumer has two delinquent accounts with the original creditor The original creditor hired Talbott, Adams and Moore d/b/a Spears, Dewitt & Hall to collect these debts on its behalf Proof of debt has been mailed via certified mail, return receipt requested In consumer’s rejection, he stated that he will report this to the federal trade commission and any other parties to remove the debts from his credit reports As stated in our original response, if the consumer does not believe the credit agencies are reporting the debts accurately, he can dispute the debts with the credit reporting agencies under the procedures outlined in the Fair Credit Reporting Act
RE: Response to Complaint [redacted] DATE: October The complainant states that the phone number we had in regards to the account placed with Spears, Dewitt & Hall (SDH) was the wrong numberWe retrieved the phone records and we show the number called is [redacted] matching that of the complainantThe complainant refused to verify her identity on multiple callsOn July 24th 2014, the complainant called back requesting the name of the company and verified her identity by date of birth with our representativeAfter finding out the reason for our call, the complainant then claimed that she was not [redacted] On October 21st 2014, our representative called the number [redacted] , the complainant claimed she was not [redacted] and that we had the wrong number On April 27th our representative called [redacted] asking for [redacted] , the complainant said she was [redacted] and then claimed she wasn’t “that one” and didn’t verify her identity with our representative and terminated the call On May 11th our representative called [redacted] the complainant claimed the number was a place of business and no one named [redacted] was there On October 9th we received a call from the complainant calling about an item on her credit report The complainant claims our company divulged her personal information to another individualWe deny such allegationAfter reviewing all recordings, the voice for all the calls are the sameThe complainant, after verifying their identity, was misrepresenting themselves No personal information was divulged to anyone other than the complainantThe complainant has a valid debt and the information from the original creditor has been verified as accurate and true SDH operated within the laws when reporting the debt to the Credit Bureaus' and for all calls made regarding the account both incoming and outgoing
Spears, Dewitt & Hall has investigated the call recordings for this incidentThe representative Tery Kelly is no longer with the companyA paid in full letter has been mailed to the address providedWe apologize for any inconvenience this may have caused you
Spears, Dewitt, & Hall, Inc., hereinafter SDH, hereby responds to the Revdex.com Complaint ID Number [redacted] SDH will law this response out in bullets to better describe the sequence of events.1) Customer pays of the balance in full on SDH account number at 11:am on June 4, 2015.2) Customer files Complaint ID Number at 12:pm on June 4, This is a mere minutes after paying thebalance in full3) Customer states that, “This company refused to delete an unnecessary and negative account from my credit file despite the fact that the balance was paid in full.”4) Customer states in his Desired Result that, “I would like the account DELETED from my credit file immediately.” In response to the Customer’s complaint SDH make the following rebuttal/response.A) The account was not paid in full until 11:am on June 4, SDH will report the account as paid in full at its earliest possible opportunity SDH cannot respond within minutes and the entire process between SDH and the Credit Reporting Services may take up to days.B) SDH cannot delete a valid account SDH can only update the balance to show a balance of that has been Paid inFull.C) Further, SDH management has reviewed the recording of the conversation between the customer and our agent Our agent never promised that the account would be removed, but only that it would be updated as paid in full The recording is available but we will not attach it at this time, as it contains sensitive information concerning the customer
Mr [redacted] 's complaint has been rectified by removing his number from our databaseAdditionally, it has been added to our phone platform's DNC listIt cannot be called again
Complaint: [redacted] I am rejecting this response because: I looked at my credit score on [redacted] and now show a new open account as of august 6th talbot debt collector original creditor forrest glen apartments balanced open reported by equifax know this agency is stating that I am deliquent and is reflecting negatively on my credit report this company continuously states they have done everything to help but They continue to incriminate themselves with their actions Regards, [redacted]
FROM: Spears, Dewitt & Hall RE: Response to Complaint [redacted] DATE: October We have confirmed with the original creditor that the debt is validAs per contract, signed by complainant, with the original creditor, this agency has the right to charge collection costs and interest This agency has attempted to make contact with the complainant multiple times and the complainant would not verify themselves during the call Spears, Dewitt and Hall conducted an audit on our accounts and rereported to the credit agencyThis company has operated within the law as there is no time limit to first report accounts to the credit bureaus Complainant claims that they did not break the leaseHowever, moveout notice was given less than one month from the actual move-out datePer the TAA contract, signed by the complainant, there is a requirement to give a day notice prior to moving out, otherwise the lessee will be responsible for re-letting charges and broken lease chargesComplainant claims they were on a month-to-month rent payment and was not aware of any outstanding charges for rent for the month of March, Per the TAA contract, signed by the complainant, the modate was March 20th, with the lease ending on February 28th, Notice was given by complainant on February 19, 2010, which fails to adhere to the signed TAA agreement stating that a day notice is requiredAs it is, the complainant provided notice only days prior to the lease ending However, Spears, Dewitt & Hall agrees to remove all interest from the accountDue to consumer confidentiality, we ask that the complainant contact us directly to receive the adjusted total so that payment arrangements can be made
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 Regards, [redacted]
SPEARS, DEWITT & HALL MEDICAL DRIVE, SUITE SAN ANTONIO, TEXAS PHONE: [redacted] *O: Revdex.com FROM: Spears, Dewitt & Hall RE: Second Response to Complaint [redacted] The Texas Finance Code, Section 392.101, states that a third-party debt collection agency may operate in the state of Texas with the issuance of a surety bond from the Department of the Secretary of StateTalbott, Adams & Moore DBA Spears, DeWitt & Hall is bonded in the state of Texas, under Texas Finance Code Section 392.101, and is incorporated by the Secretary of the State of Texas to do business as a collection agency In addition, Talbott, Adams & Moore DBA Spears, DeWitt & Hall has been contracted by International Bank of Commerce as a third-party debt collections agency Also, the complainant entered into an agreement with the original creditor which gives this company the authorization to contact the complainant, at any address or phone number provided, to collect a debtPage of the International Bank of Commerce Deposit Account Agreement states, “Each Authorized Signatory shall be jointly and severally liable for any and all overdrafts on this Account, including all service charges and fees and interest charged due to such overdrafts, and for any attorney’s fees and related collection costs incurred by Bank regarding any and all efforts made to collect such overdraft, whether or not the overdraft was incurred by one or more of the Authorized Signatories, without the knowledge of, agreement from and/or any benefits resulting to, any other Authorized Signatory.” Having established that Talbott, Adams & Moore DBA Spears, DeWitt & Hall has the right to collect debt in the state of Texas and has the right to collect on behalf of International Bank of Commerce, this company has acted within the law when attempting to collect this debt This company has verified the debt as valid with the original creditor and have sent proof of such, via certified mailThis account has never been resolved and is still an active collectible account The complainant is correct in that this activity falls under the FCRA regulationsThis company has not only followed the regulations under the FCRA but has complied with all regulations under the FDCPA
Mr [redacted] 's debt account placed with Talbott, Adams & Moore Inc by our client is valid and trueOur client was unable to convince Mr [redacted] to pay so they placed the account with us to collect on itMr [redacted] has made payment in the amount of $to Talbott, Adams & Moore on the original balance of $placed with us leaving him a balance of $That payment has been forwarded to our client In accordance to the Fair Credit Reporting Act, we will continue to report the account to the credit bureau'sIf Mr [redacted] disputes the account, he must take the appropriate dispute steps and we will update the account as disputed with the credit bureau'sSincerely, [redacted]
Please see attached.Customer states that “Talbott, Adams and Moore collection agency has reported me to the major credit reporting agencies twice [as] owing them a bill that dates back to 2010. I do not owe Talbott, Adams and Moore a single cent.” Customer desires any negative
information from all major credit reporting agencies immediately be removed within guidelines and time according to the Fair Credit Reporting Act. According to our records, customer has two delinquent accounts with the original creditor. The original creditor tasked Talbott, Adams and Moore d/b/a Spears, Dewitt & Hall to collect these debts on its behalf. Proof of the debts will be sent to the customer via certified mail, return receipt requested. Prior to this complaint, our records do not reflect that the customer ever denied these debts to this company. If the customer does not believe the credit agencies are reporting the debts accurately, he can dispute the debt with the credit agencies under the procedures outlined in the Fair Credit Reporting Act
After further review of the account, it was found that there was a miscommunication between the agent and the manager as to the amount offeredThe day after this complaint was submitted, account records show that the original amount of $1,was honored and the debtor has already paid the
agreed upon balance prior to the response of this complaintAfter reviewing the recordings of conversations between SDH and the debtor, it was found that we properly resolved the issue to the satisfaction of the debtor
We
have done a full investigation in this matter and have found that the debt in
question, which has been paid in full by the complainant, was rightfully
owed. Attached is documentation of all
charges associated with the account.
Since the account has been paid in full, this account
has not been
reported on the complainant's credit
Complaint: ***
I am rejecting this response because: first this website is not intent to use for collection of any informationSecond you are not authorize by law to collect or intend to collect or contact any person whit out previous authorizationThrird the collection was already close and that is why collection erased previously from the credit reportThis account is covered by the fcra statementsThis should be resolved as soon as possibleCollection agency have no authorization to contact this person in behalf of this or any other complaint against themAdress on complaint is for reference use, it is not a valid adress to contact the person for this or any other debt
Regards,
*** ***
Complaint: ***
I am rejecting this response because:
Regards,
*** ***
Talbot is acting illegallyWhen they already states they are not fallowing the fca rules and regulationAlso reporting this debt as a collection twice on the credits agencies creating the same debt shows as two different debts what is illegal, incorrect and against the lawAlso the banks should have a writing document authorising this kinds of transsctions, I belive they don't haveI required talbot to delet this collections from the mayor credit agencies immediately whit out excuses because they are not complying whit the federal credit act laws and they are fraudulent
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.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: I do not owe them any money, I am not going to pay them any money. Proof should be produced immediately. Please have them clear my name on all credit reporting agencies. I will also report this to the federal trade commission and any other parties that I must in order to remove these debts from my credit reports.
Regards,
[redacted]
The complainant alleges that they were not notified about their debt. Spears, Dewitt &Hall has records indicating that a first notice letter was sent to the complainant on September 26,2012 to the address associated with the account. The request for validation of debt has beenreceived and will...
be mailed out to the address provided in this complaint by certified mail. Thecomplainant is incorrect in that the validation request is to be received in 5 days. The 5 dayperiod mentioned by the complainant is part of FDCPA §809. The first notice letter Spears,Dewitt & Hall sent on September 26, 2012 covers the requirements laid out in that section. TheFDCPA §809 allows a 30 day period to respond to any disputes of a debt. Although the statuteof limitations for a debt account in the state of Texas is 4 years, the statute does not bar the debtfrom being collected. The statute of limitations for collections accounts on a consumer creditreport is 7 years which is set to run on March 20, 2017. Spears, Dewitt & Hall has received thecease and desist request from the complainant and have been authorized by the complainant tocontinue contact through mail only at the address provided. Finally, the complainant alleges thatthe balance they owe is $901.00 but we show the balance on the account is $162.95.
In response to Ms. [redacted]' complaint and in an attempt to resolve the matter, Respondentcompany (company), Spears, DeWitt & Hall (hereinafter SDH) replies as follows:Any phone calls made by this company are in no way harassing in nature. Thecomplainant owes a balance to a client that has...
retained our services of collecting the amountowed.Whether or not a particular outstanding debt is on a consumer credit report, does notnegate the fact that the debt is still outstanding and is rightfully owed to the creditor.After reviewing the recordings for the complainant's account, it was found that the agentwas in no way rude and handled the call professionally.We have attempted to contact the complaint multiple times since 2010 without success.We have blocked, and removed, all phone numbers associated with this account and will abideby the wishes of the complainant to never be contacted again.
Please see the attached.Consumer lodged a complaint with the Revdex.com on August 15, This company responded, and on August 21, 2015, the consumer rejected this company’s response In the consumer’s rejection, he reiterated the same objections of his original complaintConsumer reiterated that he does not owe money and that proof should be produced immediately Since this response may be viewed by the public, this company will not produce proof through this forum However, as stated in our original response, consumer has two delinquent accounts with the original creditor The original creditor hired Talbott, Adams and Moore d/b/a Spears, Dewitt & Hall to collect these debts on its behalf Proof of debt has been mailed via certified mail, return receipt requested In consumer’s rejection, he stated that he will report this to the federal trade commission and any other parties to remove the debts from his credit reports As stated in our original response, if the consumer does not believe the credit agencies are reporting the debts accurately, he can dispute the debts with the credit reporting agencies under the procedures outlined in the Fair Credit Reporting Act
RE: Response to Complaint [redacted] DATE: October The complainant states that the phone number we had in regards to the account placed with Spears, Dewitt & Hall (SDH) was the wrong numberWe retrieved the phone records and we show the number called is [redacted] matching that of the complainantThe complainant refused to verify her identity on multiple callsOn July 24th 2014, the complainant called back requesting the name of the company and verified her identity by date of birth with our representativeAfter finding out the reason for our call, the complainant then claimed that she was not [redacted] On October 21st 2014, our representative called the number [redacted] , the complainant claimed she was not [redacted] and that we had the wrong number On April 27th our representative called [redacted] asking for [redacted] , the complainant said she was [redacted] and then claimed she wasn’t “that one” and didn’t verify her identity with our representative and terminated the call On May 11th our representative called [redacted] the complainant claimed the number was a place of business and no one named [redacted] was there On October 9th we received a call from the complainant calling about an item on her credit report The complainant claims our company divulged her personal information to another individualWe deny such allegationAfter reviewing all recordings, the voice for all the calls are the sameThe complainant, after verifying their identity, was misrepresenting themselves No personal information was divulged to anyone other than the complainantThe complainant has a valid debt and the information from the original creditor has been verified as accurate and true SDH operated within the laws when reporting the debt to the Credit Bureaus' and for all calls made regarding the account both incoming and outgoing
Spears, Dewitt & Hall has investigated the call recordings for this incidentThe representative Tery Kelly is no longer with the companyA paid in full letter has been mailed to the address providedWe apologize for any inconvenience this may have caused you
Spears, Dewitt, & Hall, Inc., hereinafter SDH, hereby responds to the Revdex.com Complaint ID Number [redacted] SDH will law this response out in bullets to better describe the sequence of events.1) Customer pays of the balance in full on SDH account number at 11:am on June 4, 2015.2) Customer files Complaint ID Number at 12:pm on June 4, This is a mere minutes after paying thebalance in full3) Customer states that, “This company refused to delete an unnecessary and negative account from my credit file despite the fact that the balance was paid in full.”4) Customer states in his Desired Result that, “I would like the account DELETED from my credit file immediately.” In response to the Customer’s complaint SDH make the following rebuttal/response.A) The account was not paid in full until 11:am on June 4, SDH will report the account as paid in full at its earliest possible opportunity SDH cannot respond within minutes and the entire process between SDH and the Credit Reporting Services may take up to days.B) SDH cannot delete a valid account SDH can only update the balance to show a balance of that has been Paid inFull.C) Further, SDH management has reviewed the recording of the conversation between the customer and our agent Our agent never promised that the account would be removed, but only that it would be updated as paid in full The recording is available but we will not attach it at this time, as it contains sensitive information concerning the customer
Mr [redacted] 's complaint has been rectified by removing his number from our databaseAdditionally, it has been added to our phone platform's DNC listIt cannot be called again
Complaint: [redacted] I am rejecting this response because: I looked at my credit score on [redacted] and now show a new open account as of august 6th talbot debt collector original creditor forrest glen apartments balanced open reported by equifax know this agency is stating that I am deliquent and is reflecting negatively on my credit report this company continuously states they have done everything to help but They continue to incriminate themselves with their actions Regards, [redacted]
FROM: Spears, Dewitt & Hall RE: Response to Complaint [redacted] DATE: October We have confirmed with the original creditor that the debt is validAs per contract, signed by complainant, with the original creditor, this agency has the right to charge collection costs and interest This agency has attempted to make contact with the complainant multiple times and the complainant would not verify themselves during the call Spears, Dewitt and Hall conducted an audit on our accounts and rereported to the credit agencyThis company has operated within the law as there is no time limit to first report accounts to the credit bureaus Complainant claims that they did not break the leaseHowever, moveout notice was given less than one month from the actual move-out datePer the TAA contract, signed by the complainant, there is a requirement to give a day notice prior to moving out, otherwise the lessee will be responsible for re-letting charges and broken lease chargesComplainant claims they were on a month-to-month rent payment and was not aware of any outstanding charges for rent for the month of March, Per the TAA contract, signed by the complainant, the modate was March 20th, with the lease ending on February 28th, Notice was given by complainant on February 19, 2010, which fails to adhere to the signed TAA agreement stating that a day notice is requiredAs it is, the complainant provided notice only days prior to the lease ending However, Spears, Dewitt & Hall agrees to remove all interest from the accountDue to consumer confidentiality, we ask that the complainant contact us directly to receive the adjusted total so that payment arrangements can be made
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 Regards, [redacted]
SPEARS, DEWITT & HALL MEDICAL DRIVE, SUITE SAN ANTONIO, TEXAS PHONE: [redacted] *O: Revdex.com FROM: Spears, Dewitt & Hall RE: Second Response to Complaint [redacted] The Texas Finance Code, Section 392.101, states that a third-party debt collection agency may operate in the state of Texas with the issuance of a surety bond from the Department of the Secretary of StateTalbott, Adams & Moore DBA Spears, DeWitt & Hall is bonded in the state of Texas, under Texas Finance Code Section 392.101, and is incorporated by the Secretary of the State of Texas to do business as a collection agency In addition, Talbott, Adams & Moore DBA Spears, DeWitt & Hall has been contracted by International Bank of Commerce as a third-party debt collections agency Also, the complainant entered into an agreement with the original creditor which gives this company the authorization to contact the complainant, at any address or phone number provided, to collect a debtPage of the International Bank of Commerce Deposit Account Agreement states, “Each Authorized Signatory shall be jointly and severally liable for any and all overdrafts on this Account, including all service charges and fees and interest charged due to such overdrafts, and for any attorney’s fees and related collection costs incurred by Bank regarding any and all efforts made to collect such overdraft, whether or not the overdraft was incurred by one or more of the Authorized Signatories, without the knowledge of, agreement from and/or any benefits resulting to, any other Authorized Signatory.” Having established that Talbott, Adams & Moore DBA Spears, DeWitt & Hall has the right to collect debt in the state of Texas and has the right to collect on behalf of International Bank of Commerce, this company has acted within the law when attempting to collect this debt This company has verified the debt as valid with the original creditor and have sent proof of such, via certified mailThis account has never been resolved and is still an active collectible account The complainant is correct in that this activity falls under the FCRA regulationsThis company has not only followed the regulations under the FCRA but has complied with all regulations under the FDCPA
Mr [redacted] 's debt account placed with Talbott, Adams & Moore Inc by our client is valid and trueOur client was unable to convince Mr [redacted] to pay so they placed the account with us to collect on itMr [redacted] has made payment in the amount of $to Talbott, Adams & Moore on the original balance of $placed with us leaving him a balance of $That payment has been forwarded to our client In accordance to the Fair Credit Reporting Act, we will continue to report the account to the credit bureau'sIf Mr [redacted] disputes the account, he must take the appropriate dispute steps and we will update the account as disputed with the credit bureau'sSincerely, [redacted]
Please see attached.Customer states that “Talbott, Adams and Moore collection agency has reported me to the major credit reporting agencies twice [as] owing them a bill that dates back to 2010. I do not owe Talbott, Adams and Moore a single cent.” Customer desires any negative
information from all major credit reporting agencies immediately be removed within guidelines and time according to the Fair Credit Reporting Act. According to our records, customer has two delinquent accounts with the original creditor. The original creditor tasked Talbott, Adams and Moore d/b/a Spears, Dewitt & Hall to collect these debts on its behalf. Proof of the debts will be sent to the customer via certified mail, return receipt requested. Prior to this complaint, our records do not reflect that the customer ever denied these debts to this company. If the customer does not believe the credit agencies are reporting the debts accurately, he can dispute the debt with the credit agencies under the procedures outlined in the Fair Credit Reporting Act
After further review of the account, it was found that there was a miscommunication between the agent and the manager as to the amount offeredThe day after this complaint was submitted, account records show that the original amount of $1,was honored and the debtor has already paid the
agreed upon balance prior to the response of this complaintAfter reviewing the recordings of conversations between SDH and the debtor, it was found that we properly resolved the issue to the satisfaction of the debtor
We
have done a full investigation in this matter and have found that the debt in
question, which has been paid in full by the complainant, was rightfully
owed. Attached is documentation of all
charges associated with the account.
Since the account has been paid in full, this account
has not been
reported on the complainant's credit
Please attached response
Complaint: ***
I am rejecting this response because: first this website is not intent to use for collection of any informationSecond you are not authorize by law to collect or intend to collect or contact any person whit out previous authorizationThrird the collection was already close and that is why collection erased previously from the credit reportThis account is covered by the fcra statementsThis should be resolved as soon as possibleCollection agency have no authorization to contact this person in behalf of this or any other complaint against themAdress on complaint is for reference use, it is not a valid adress to contact the person for this or any other debt
Regards,
*** ***
Complaint: ***
I am rejecting this response because:
Regards,
*** ***
Talbot is acting illegallyWhen they already states they are not fallowing the fca rules and regulationAlso reporting this debt as a collection twice on the credits agencies creating the same debt shows as two different debts what is illegal, incorrect and against the lawAlso the banks should have a writing document authorising this kinds of transsctions, I belive they don't haveI required talbot to delet this collections from the mayor credit agencies immediately whit out excuses because they are not complying whit the federal credit act laws and they are fraudulent
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.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: I do not owe them any money, I am not going to pay them any money. Proof should be produced immediately. Please have them clear my name on all credit reporting agencies. I will also report this to the federal trade commission and any other parties that I must in order to remove these debts from my credit reports.
Regards,
[redacted]
The complainant alleges that they were not notified about their debt. Spears, Dewitt &Hall has records indicating that a first notice letter was sent to the complainant on September 26,2012 to the address associated with the account. The request for validation of debt has beenreceived and will...
be mailed out to the address provided in this complaint by certified mail. Thecomplainant is incorrect in that the validation request is to be received in 5 days. The 5 dayperiod mentioned by the complainant is part of FDCPA §809. The first notice letter Spears,Dewitt & Hall sent on September 26, 2012 covers the requirements laid out in that section. TheFDCPA §809 allows a 30 day period to respond to any disputes of a debt. Although the statuteof limitations for a debt account in the state of Texas is 4 years, the statute does not bar the debtfrom being collected. The statute of limitations for collections accounts on a consumer creditreport is 7 years which is set to run on March 20, 2017. Spears, Dewitt & Hall has received thecease and desist request from the complainant and have been authorized by the complainant tocontinue contact through mail only at the address provided. Finally, the complainant alleges thatthe balance they owe is $901.00 but we show the balance on the account is $162.95.
In response to Ms. [redacted]' complaint and in an attempt to resolve the matter, Respondentcompany (company), Spears, DeWitt & Hall (hereinafter SDH) replies as follows:Any phone calls made by this company are in no way harassing in nature. Thecomplainant owes a balance to a client that has...
retained our services of collecting the amountowed.Whether or not a particular outstanding debt is on a consumer credit report, does notnegate the fact that the debt is still outstanding and is rightfully owed to the creditor.After reviewing the recordings for the complainant's account, it was found that the agentwas in no way rude and handled the call professionally.We have attempted to contact the complaint multiple times since 2010 without success.We have blocked, and removed, all phone numbers associated with this account and will abideby the wishes of the complainant to never be contacted again.