Estate Information Services, LLC

Dear [redacted] : Thank you for forwarding the above-referenced complaintEIS takes all complaints seriously, and this one is no exceptionPlease allow this to serve as our responseEIS manages accounts for our creditor clients across the United States where the account holder has been reported as being deceasedIn most instances, we do not know whether a probate estate has been opened for the deceased person, and who may be serving as the personal administratorThat was the case in this matter as wellIn such instances, we must conduct research to identify persons who may have information regarding an estateAfter reviewing this matter, the allegations in the complaint are simply not trueOur client placed this particular account, belonging to [redacted] ***, with us on August 5, We did not make any calls to the Complainant until August 12, when we called two (2) separate numbersThe Complainant called back in to our office on this same day, and told us we had called her husband’s phoneOur agent explained that we were trying to locate the person who may be handling the estateThe Complainant said that the deceased’s wife was that person, but refused to provide a nameThis is the only day we called or spoke with [redacted] ***We were not calling “at all hours” nor did we call her on Saturday and/or Sunday as allegedEIS does not staff employees in our probate department on the weekendsThe allegation that the account was covered by insurance and was paid is also not trueAnother account, our matter number [redacted] , was previously placed here on July 21, This account did have insurance, and the balance was paid in full, through the insurance, to our clientThe account at issue had no insuranceThe agent calling on this account should have reviewed the related account to see if a proper party had been contacted previouslyThat would have resulted in us not calling the Complainant at allHowever, the claims that we were harassing the Complainant are just not trueWe have removed the telephone numbers ending in *** and [redacted] for [redacted] from our system, and she will receive no further communications from usThank you, and should you have any questions, please do not hesitate to contact meVery truly yours, Andrew CH*** Andrew CH***, Esq., CCEP*, Legal Compliance Officer & General Counsel [redacted] Certified Compliance & Ethics Professional

We have been digging through 19+ years to find my dad's death certificate, or rather my mom has when she is able because she's disabled (as am I on my dad's disability which isn't much since he didn't work that much from dying in his early 40sWe will contact someone in our area

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThey do not mention what debt is due or for what real company I might owe as I have never done business with this company that I personally deem as fake and dishonest and this response is genericAs I was answering, why didn't they just have a real human call me instead of the machine they know is not working? I do appreciate a response and I am not sure how there phone system can be in error for so long without them fixing it Regards, [redacted]

EIS manages accounts for our creditor clients across the United States where the account holder has been reported as being deceasedIn most instances, we do not know whether a probate estate has been opened for the deceased person, and who may be serving as the personal administratorIn addition, we often do not know the date that the person whose account was placed diedThat was the case in this matterWe received an account that had belonged to [redacted] No date of death was listedIn such instances, we are required to reach out to persons we believe might have information such as the date of death, and or whether a probate estate had been openedIf we had known that [redacted] had died so many years ago, we would have never sent any communication at allContrary to statements made in the complaint, we were not attempting to scam anyoneWe were looking for information to assist our clientAgain, we had no idea when Mr [redacted] passed awayIn addition, nothing in our communication to the junior Mr [redacted] in any way implied that he was liable for any debt that his father may have owedThe letter simply asked him to contact us about the person who might be serving as an executorEIS apologizes for any confusion regarding this matterThank you, and should you have any questions, please do not hesitate to contact meVery truly yours, Andrew H [redacted]

[redacted] Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referenced matterAs you are aware, EIS takes all complaints seriously, and this matter is no exceptionI do want to apologize for the delay in our responseI respond to all complaints, and I was out of town at a conference when we received the complaintUpon my return, we had a client audit which took some time to prepare.EIS provides deceased debt collection services for our clients throughout the United StatesIn this particular instance, on November 4, 2014, our client placed an account that had been held by the late [redacted] Sometimes, when we receive an account, we know if a probate estate has been opened, and if so, who is handling the probate estate for the deceasedIn those cases, we contact that person directlyOther times, though, we do not have such information, and are required to research contacts who might have information regarding the person who is handling the estateIn this instance, we did not know the identity of the estate representativeWe called a couple of different telephone numbers that we believed would lead us to the identity of the proper partyOne number we called we believed to belong to the deceased’s surviving spouseThe number actually belonged to an unidentified female friend of the spouse, which we discovered laterThe friend attempted to obtain information about the account, but because the friend was not confirmed as the proper party, our agent explained that we could not disclose any details, and that we were looking for the person handling the estateSubsequently, we did receive a call from the surviving spouse who indicated she was handling mattersShe was upset that we were discussing the matter with her friend, but we explained that we did not disclose any details of the account or even that a balance existedUnless and until we reasonably believe we are speaking with the right party we cannot and do not disclose any information about the accountThis is for the protection of the deceased.Despite the Complainant’s allegations, EIS did not violate the FDCPAIn fact, we followed the letter of the lawThe Complainant’s lack of understanding of the FDCPA does not mean we violated the lawRegardless, EIS apologizes for any inconvenience and/or misunderstanding the Complainant has experiencedWe do understand that an estate will not be opened for the deceased and have notated our file accordinglyThere will be no further contact with the family in this matter Thank you for your attention to this matterShould you have any questions, please do not hesitate to contact me Very truly yours [redacted]

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me This is the second entity making such calls to our house I would have called them as I did the first to tell them we have no infofor them, but only our Revdex.com complaint got them to stop calling so I cut out the middle effort in this case I'd like to cut off this issue at the source, but I'm not sure where they are getting our information from For this particular issue, I'm satisfied with their response Thanks

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]

I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me. My late father, *** *** ** did not have a designated trustee to handle his financial affairs as he did not have any money left to designate to family, thank you
Regards,
*** ***

Dear *** ***:As you are aware, EIS takes all complaints seriously, and this matter is no exceptionI apologize for the slight delayin our response.EIS manages accounts for our clients when the primary cardholder diesIn this particular matter, we received anaccount that had belonged to the
late *** *** ***When an account is placed at our office, sometimes we knowthat a probate estate has been opened for the deceased person, and who is serving as the personal representative.Often times, though, we do not know this informationIn such cases, we have to conduct research to determine whomay be a likely person who could provide the necessary informationIn this matter, we had no informationregarding whether an estate had been opened, and if so, who was serving as the representativeThrough skiptracing, we identified the complainant as a person who would likely be able to provide us with the correctinformationWe called three (3) different telephone numbers we believed the complainant had in order to obtainestate informationWe left messages indicating we were looking for the person handling the final affairs of ***
*** ***Nothing about the messages was rude or harassing in any wayWe left messages at the number ending inon February 24, March 19, and April We left messages at the number ending in *** on March andApril We left a message at the number ending in *** on April No other messages were leftWe did callthe number ending in *** on April 14, but there was no voicemail for that number.If the complainant does not have any information regarding the late *** *** ***, it would have been simple forher to call us and tell us thatIn her complaint, she claims to have sent us multiple emails asking us to stopcontacting herEIS has not received any communication from the complainant, verbally or in writing.EIS apologizes for any inconvenience the complainant experiencedWe have marked all the numbers we called asdo not contact, and the complainant will not receive any additional calls from EISWe will continue to monitorthe probate court records, and if an estate is opened for *** *** ***, we will file a claim on behalf of our client.Thank you for your attention to this matterShould you have any questions, please do not hesitate to contact me.Very truly yours,*** ** ***
*** *** ***

Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referenced matterAs you are aware, EIS takes all complaints seriously, and this matter is no exception.EIS provides deceased debt collection services for our clients throughout the United StatesIn this
particular instance, on January 19, 2016, our client placed an account that had been held by the late *** ***When the account was placed, we did not know whether a probate estate had been opened, and if so, who was serving as the executorWe sent our standard location letter asking that we be informed of any estate informationAs a result of that letter, Mrs*** called our office on January 22, On the call she did identify herself as the proper party for EIS to speak with regarding her late husband’s business affairsShe stated that she believed the account had been paid, but that she would check her records and let us knowAt no time did she state there was any fraud involvedOn January 22, 2016, we mailed an initial communication letter to Mrs*** because the FDCPA requires that we do so within five (5) days of speaking to her regarding the debtThe letter clearly states that she is not personally liable for the debt, and that only her late husband’s estate is liableShe was also told this on the telephone during the previously mentioned telephone call.The complainant’s version of the facts of this matter differs from EIS’sRegardless, the matter has been closed in our office, as well as at our clientMrs*** will receive no further communication regarding this accountEIS apologizes for any confusion Mrs*** experienced, but we did nothing wrong in this matter.Thank you for your attention to this matterShould you have any questions, please do not hesitate to contact me.Very truly yours,

Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referenced matterAs you are aware, EIS takes all complaints seriously, and this matter is no exception. EIS services accounts for our clients on a nation-wide basis where the account holder has
been reported as deceasedIn this matter, someone reported *** *** as deceased to our clientThe account was then placed with us to confirm a date of death and locate the existence of a probate estate, if applicable. *** *** is apparently not deceased and is currently incarceratedWe certainly understand the Complainant being upset when she received our letter, and we apologize for the errorHowever, we do not use situations such as this as a “tactic” for collections, nor do we do so in any case whatsoever, as the Complainant allegesWhen we receive accounts from our client where the consumer is believed to be deceased, we send a letter like the one the Complainant receivedThere is absolutely no ulterior motive involvedBoth we and our client were proceeding according to information we honestly believed to be true. We have informed our client of the error in their records and have returned the account to themMrs. *** will receive no further communication from us regarding thisAgain, we apologize for any stress and/or grief the letter may have caused. Thank you for your attention to this matterShould you have any questions, please do not hesitate to contact me. Very truly yours, Andrew CH***

Dear [redacted]Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referenced matter. As you are aware, EIS takes all complaints seriously, and this matter is no exception.After investigating the complainant’s allegations, we found that on two (2)...

occasions, there was a malfunction with our telephone dialer that caused it to not act the way it was supposed to. Calls can be programmed in different manners, and in this case, when the recipient of the call pressed “1” as instructed, it (the call) was supposed to connect to a live person. That did not occur in [redacted]’s case on two different days. We have fixed the problem, and it should not happen again.[redacted] has asked us to remove him from our “call list”. We are not a telemarketing company. EIS is a debt collection agency and [redacted]’s account was placed here for collection. Nevertheless, we will cease calls to him as requested. In addition, he claims to have contacted us twice by letter asking the calls to stop. We have received no correspondence from him whatsoever. In the complaint, he states he spoke with us on July 25, 2014. That is not possible, since we did not receive the account until October 30, 2014. In addition, in his complaint, [redacted] advises “DO NOT DO BUSINESS WITH THIS FAKE COMPANY.” This statement is false and is defamatory. There is nothing “fake” about EIS. We have been in business for many years. In addition, we sent the complainant a letter advising him the account had been placed at EIS, so he knew or should have known we are a real business.If [redacted] is interested in resolving the matter, he can contact us. We will not contact him again. However, ignoring the situation will not make it go away.Thank you for your attention to this matter. Should have any questions, please do not hesitate to contact me.Very truly yours,[redacted]

Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referenced matter. As you are aware, EIS takes all complaints seriously, and this matter is no exception. EIS provides deceased debt collection services for our clients throughout the United...

States. On May 18, 2015, our client placed an account in the name of [redacted], who had been reported to our client as deceased. We did not know the date of death, only that the death had been reported. Sometimes, when an account is placed, we know the name and contact information of the person who is handling the final affairs for the deceased. In those instances, we make contact with that person. Frequently, however, we do not have any information regarding whether a probate estate has been opened, and/or who is handling the final affairs. When this occurs, as with this matter, we research telephone numbers to determine individuals who may have information regarding the estate or who is handling final affairs. Two of the numbers we identified apparently belonged to the Complainant and her son. We certainly had no idea about the condition of the Complainant’s son, nor could we possibly know. The calls were made in good faith efforts to obtain information. At no time did we ever state or imply that the Complainant or her son was liable for any account balance. Except in very limited circumstances, none of which appear to apply here, no one is personally liable for another’s debts. EIS apologizes for any inconvenience and/or misunderstanding the Complainant has experienced. We have coded the account so that Ms. [redacted] will receive no further communication from us. Thank you for your attention to this matter. Should you have any questions, please do not hesitate to contact me. Very truly yours, [redacted] 
[redacted]

We have been digging through 19+ years to find my dad's death certificate, or rather my mom has when she is able because she's disabled (as am I on my dad's disability which isn't much since he didn't work that much from dying in his early 40s. We will contact someone in our area.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.  This is the second entity making such calls to our house.  I would have called them as I did the first to tell them we have no info. for them, but only our Revdex.com complaint got them to stop calling so I cut out the middle effort in this case.  I'd like to cut off this issue at the source, but I'm not sure where they are getting our information from.  For this particular issue, I'm satisfied with their response.  Thanks.

Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referencedmatter. EIS takes all complaints seriously, and this one is no exception.EIS provides deceased debt collection services for our clients throughout the United States. OnSeptember 8, 2017, our...

client placed an account that had belonged to one [redacted]. When theaccount was placed, we did not have any information regarding whether a probate estate had been opened,and if so, who was serving as executor. Our research efforts uncovered some telephone numbers ofpersons who we believed might have information regarding such an estate. On September 12, 2017, wedid place a call to the number that the Complaint lists in the complaint, and we left a message asking forany information related to an estate for Mrs. [redacted]. We never received a return call telling us we hada wrong number, and/or that no information was known. We called the same number again yesterday,EIS does not intentionally harass consumers. In this situation, had we received a return call back inSeptember informing us that we were contacting the incorrect person, we would have notated the accountwith this information, and yesterday’s call would not have been made. We have properly notated theaccount, and the Complainant will not receive any additional calls from us regarding this matter. Weapologize if he or his wife believes we were harassing them, but we were certainly not doing sointentionally.Thank you for your attention to this matter. Should you have any questions, please do not hesitate tocontact me.Very truly yours,[redacted], Esq., CCEP*Legal Compliance Officer & General Counsel

EIS first responded to this complaint on August 9, 2016, and the Revdex.com subsequently closed the matter. Since that time, additional information has come to light that makes it necessary for EIS to submit a revised response.When this account was first placed in our office, it was believed that the complainant was deceased. We sent a letter addressed to the estate asking for the name of the person handling the estate. Unbeknownst to us, the complainant’s father shared the same name as the complainant. The complaint letter accused EIS of trying to hold the complainant liable for his father’s debts. Apparently, the elder Mr. [redacted] died many years ago. We responded to the complaint accordingly.It is now known, of course, that the younger Mr. [redacted] is still alive, and we informed our client of that fact several months ago. The account is no longer in our office, as we only handle accounts for our client where the primary account holder is deceased. However, our client may continue collection efforts against the complainant through a different collection agency, as the debt being collected belongs to the complainant, and not his deceased father.Again, there was no attempt to scam anyone. The original letter was sent in error, as we believed the complainant to be deceased. EIS apologizes for any confusion regarding this matter.Thank you, and should you have any questions, please do not hesitate to contact me.Very truly yours,Andrew H[redacted]

Dear [redacted]Please allow this to serve as Estate Information Services, LLC’s (“EIS”) response to the above-referenced matter. As you are aware, EIS takes all complaints seriously, and this matter is no exception. I apologize for the slight delay in our response.The issue in this matter was...

one of complete misunderstanding between EIS and [redacted]. He called into our office and made arrangements to settle an account that had been placed here for collection. He indicated he wanted to pay by check, with the first payment on January 26, 2015, and the balance to be paid by February 26, 2015. [redacted] provided his account information, routing number, and confirmed the amount of the payment and payment date. EIS reasonably believed [redacted] was authorizing an electronic check; otherwise, we would have not asked for his account information to take the payment. Based on the information we had, EIS processed an electronic payment, and sent an authorization form to [redacted] to obtain his written consent to process the February payment electronically. Clearly, it was [redacted]’s intent to mail a paper check, which he did do, on or about the same day. We then received this complaint stating that EIS had taken funds from his account without consent.EIS apologizes for any inconvenience the complainant experienced. We in no way intentionally acted improperly. We mistakenly believed [redacted] wanted to pay electronically, and we believed he understood that fact. On the call, another collector came on the line and verified all the information [redacted] had provided, and confirmed with him that the payment was going to be dated for that day and we provided a confirmation number. Perhaps we should have done a better job of ensuring [redacted] understood the planned transaction. We have attempted to reach [redacted] by telephone several times this week to inform him that we are returning his funds, but we have been unable to reach him. The electronic payment we received was retuned for insufficient funds, but the paper check he sent was processed. Therefore, we cannot reverse the electronic payment and will be sending him a paper check to refund the $200 he sent in, plus an additional $38.50 for the overdraft charge he apparently incurred. EIS has been in business for several years, in large part because we act ethically and responsibly. We would never knowingly take money from someone’s account without consent. In this case, we honestly believed that consent had been given, and a reasonable person listening to the call recording would likely concur.Thank you for your attention to this matter. Should you or [redacted] have any questions, please do not hesitate to contact me.Very truly yours,[redacted]

Dear [redacted]: Thank you for forwarding the above-referenced complaint. EIS takes all complaints seriously, and this one is no exception. Please allow this to serve as our response. EIS manages accounts for our creditor clients across the United States where the account holder...

has been reported as being deceased. In most instances, we do not know whether a probate estate has been opened for the deceased person, and who may be serving as the personal administrator. That was the case in this matter as well. In such instances, we must conduct research to identify persons who may have information regarding an estate. After reviewing this matter, the allegations in the complaint are simply not true. Our client placed this particular account, belonging to [redacted], with us on August 5, 2016. We did not make any calls to the Complainant until August 12, when we called two (2) separate numbers. The Complainant called back in to our office on this same day, and told us we had called her husband’s phone. Our agent explained that we were trying to locate the person who may be handling the estate. The Complainant said that the deceased’s wife was that person, but refused to provide a name. This is the only day we called or spoke with [redacted]. We were not calling “at all hours” nor did we call her on Saturday and/or Sunday as alleged. EIS does not staff employees in our probate department on the weekends. The allegation that the account was covered by insurance and was paid is also not true. Another account, our matter number [redacted], was previously placed here on July 21, 2016. This account did have insurance, and the balance was paid in full, through the insurance, to our client. The account at issue had no insurance. The agent calling on this account should have reviewed the related account to see if a proper party had been contacted previously. That would have resulted in us not calling the Complainant at all. However, the claims that we were harassing the Complainant are just not true. We have removed the telephone numbers ending in [redacted] and [redacted] for [redacted] from our system, and she will receive no further communications from us. Thank you, and should you have any questions, please do not hesitate to contact me. Very truly yours, Andrew C. H[redacted] Andrew C. H[redacted], Esq., CCEP*, Legal Compliance Officer & General Counsel * Certified Compliance & Ethics Professional

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. They do not mention what debt is due or for what real company I might owe as I have never done business with this company that I personally deem as fake and dishonest and this response is generic. As I was answering, why didn't they just have a real human call me instead of the machine they know is not working?  I do appreciate a response and I am not sure how there phone system can be in error for so long without them fixing it
Regards,
[redacted]