First Equity Alliance

My name is *** ***, I am the Compliance Manager for our company First Equity Alliance and we are located in Riverside CAI am responding to a Revdex.com Complaint that was issued on 11/17/In the complaint your complainant *** *** was contacted by our company First Equity Alliance regarding her
outstanding balance owed to our client Assured Financial PartnersAssured Financial Partners is the current creditor of record of HSBC card services in the amount of *** *** *** opened a Master Card account originally with Direct Merchants Bank on 09/23/Direct Merchants Bank credit card account was being serviced by HSBC Card services for (3) years and then for whatever reasons *** *** became delinquent on her account and then ultimately her account was charged-off to collections on 01/31/After careful review we learned that *** ***’s account originally was charged-off to collections for $1,for non- payment on 01/31/Our client Assured Financial Partners has recently purchased all rights interest and title to the account and has now retained our company First Equity Alliance for the purpose of ”Mediation” with the hopes this account could be settled on a voluntarily basis without added costs that would be passed onto the consumerAssured Financial Partners offered mediation as a last effort to make arrangements to her account before seeking other legal remedies to secure their position on this accountAccording to our notations on *** ***’s account, our mediation councilor named *** *** with our company First Equity Alliance was attempting to assist *** *** in the verification process of this account and both *** *** and our mediation councilor had made a way call to HSBC / Capital One Bank to verify the validity of this account and they did speak to the HSBC’s / Capital One Banks recovery department*** *** and our mediation councilor *** *** *** did speak to a supervisor in the recovery department and they found the account to be a valid account and verified to *** *** this account was charged-off to collections for the balance of *** on 1/31/At that time HSBC / Capital One Bank also confirmed not only that the account was a valid collection account but also informed *** *** that the HSBC card services account had been recently sold and transferred to our client Assured Financial PartnersHSBC / Capital One bank’s recovery department advised *** *** to insure proper credit when satisfying the obligation that *** *** will need to contact Assured Financial PartnersWhen calling our client Assured Financial Partners, they will not only confirm that they are the true rightful owners to the account but they would refer *** *** to First Equity Alliance to get this matter resolved on an amicable basis As an addition, *** *** was inquiring as to why HSBC or now Capital One Bank who is the successor to HSBC in not showing up on her credit report? After care review it does appear that the Direct Merchants Bank / HSBC the original card servicing entity reported the trade line to all major credit reporting agencies at the time the account was opened up 09/23/and it remained on the credit report for yearsIt appears after the year mark if there is no payment activity on the account then the trade line will roll off the credit reportPlease let it be noted, because the trade line rolled off the credit report does not mean that the monies are not legally owed to our client and our client Assured Financial Partners has the right to protect their interests and if necessary they can seek whatever legal remedies are available to them to get this collection matter resolvedAs an addition, *** *** as the Compliance Manager will be available Monday thru Friday between 9:00am - 5:00pm PST and if *** *** should have any further questions or concerns she can contact me directly below at any time and I will answer any questions she may haveI can be reached at *** *** *** As to the Revdex.com Complaint, I feel there are no violations to the FDCPA Fair Debt Collection Practices Act and this will conclude our RESPONCE and will consider this complaint CLOSEDIf you should have any further questions or concerns feel free to contact me at any timeRegards, *** *** First Equity Alliance Compliance Manager

I am rejecting this response because:
Hello,This is so wrong and a LIE! [redacted] did call my job a couple of times, in which every conversation is record and log, cause I work at [redacted]. We NEVER three way call anyone, she give me the number to Capital One [redacted] [redacted] which this number drops calls. So I did my owe reseach and call Capital One Recovery Dept [redacted] and they didn't find anything with my SSN or the Credit number that [redacted] gave me.Capital One then advised me to notified Revdex.com, in which that conversation was also recorded. I feel that is a company that is trying to scam money from a poor individual like myself.Thanks so much,[redacted]