First Point Collection Resources

We have noted this account disputed and asked our client [redacted] to provide proof of this claim.

We are trying to reach [redacted] at the address on the complaint.  However, in order to verify that we have Ms. [redacted] on the phone, we must ask that the caller provide date of birth, address, or last four digits only of their social security number.  We cannot discuss the...

purpose of our call with anyone other than Ms. [redacted].  This is for her privacy.We are only required to send one notice which was mailed on July 22nd, 2014.  The notice was not returned to our office as undeliverable.  We have marked the account "cease communications" per Ms. [redacted] request in the complaint.  She will not receive any phone calls from FirstPoint.

We have contacted our client and requested a signed copy of the lease.  They are going to fax a copy of the agreement and we will forward as soon as we get a copy.

I am 26 and have had a credit score in the mid to high [redacted] since I was 18. Apparently my parents missed 3 payments while I was in college regarding an insurance matter almost half a decade ago. I started to receive robo calls from these people and called them back. I gave them my updated address and times to call (out of office). The collector ignored everything I said and continued to call while I was at work. I clearly stated I was willing to pay off the debt.
I tried calling back 5+ times to pay the debt and the collectors coworker answered my call and said they would put a note on her desk or there was no answer... It took another 6 months to hear more robocalls, they occured while I was at work.
The rep at this company said she would not report my collection the credit bureaus and expected me to believe this. Therefore I had 2 of the 3 bureaus try to call them and there was no answer. I am trying to dispute the debt but whenever I or someone on my behalf call, we cannot get the employee who is handling my case or no answer at all.
They weren't threatening, but very unreliable and impossible to work with... The coworker told me to just go on their website and pay the debt but the original collector has not sent me the material I requested to prove what I owe.
My experience and events with this company are noted above. I refrained from expressed my personal opinion of the individuals at this organization.

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I appreciate that First Point will no longer contact me via phone and I understand that while they may only be required to send one letter by mail, clearly I would like to resolve this matter. As a victim of previous identity theft,  I am not uncomfortable releasing information over the telephone and respectfully request that First Point send me pertinent information to clear up this situation.  Thank you for your assistance. [redacted]

We have asked our client to provide us with validation of this debt.  Once we receive their reply we will forward the documents to Mr. [redacted]  If this is not his debt, we will update the credit file.

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details...

of the offer I reviewed appear below.
You, Firstpoint Collection, have allegedly purchased my so-called account from [redacted] and with it the info needed to collect my alleged debt, etcetera and with that comes the proof of ownership... IF IT WAS LEGITIMATE. Sure sounds like it isn't. You don't need to consult with [redacted] about anything YOU own. You cannot just mar someone's credit report without having legitimate proof of ownership of the alleged debt. You must have proof the account exists yourself, the proof of legitimacy yourself, proof of OWNERSHIP to be LEGALLY allowed to collect and the fact that you have none of these things (as referenced by your statement to me) is a Fair Debt Collections Practice violation and YOU KNOW IT. Remove it now-or you can very easily guess where my next step will be to. I will have your official statement to the Revdex.com that says you have nothing required to collect (an alleged) debt from me, in my hand. You can probably guess the stop after that. Or, you can do the right thing and DELETE the account that you have admitted you cannot find, and therefore do not have the right to collect. Admit that you've made a mistake and ruined my credit over your $39 mistake and fix it. Because you are liable for damages. Remember that if you choose not to fix this at this stage-I'm being nice.
Regards,
[redacted]

June 19, 2015 - contacted FirstPoint Collection Resouces, Inc. about a collection letter dated 06/11/15 regarding a company I don't do business with. I refused to give them my name or contact information and I called from a business phone so they couldn't trace it back by my phone number. They could not pull it up by THEIR Ref # of THEIR Account #. The Representative said he system was frozen but his seemed to be the only one frozen (i hear a LOT of others on calls behind him). He asks for my contact number or name and I refuse. If they called me they should be able to find it by the numbers they issued and my identity has been stolen once already. He says he completely understands and keeps trying to "unfreeze his system". He says he's going to give me to a co-worked and they calls drops.
I don't do business with the company they have on the letter so this is a complete SCAM.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  We did receive the letter and have got the situation cleared up with the creditor.   Thank you so much for all your help

Individual's complaint has been reviewed and the corresponding telephone number has been removed from our system. FirstPoint Collection Resources, Inc. apologizes for any inconvenience this situation may have caused.

We have added Mr. [redacted] telephone number [redacted] to our do not call list

This account was listed with [redacted] for collection July 29, 2014. At that time the required validation notice was mailed on 8/4/14. After several attempts to make contact, the account was credit reported in September, 2014. February 10, 2015, we received a dispute claiming that the account...

was paid and a refund was mailed with the incorrect consumer's name. We flagged the account as disputed and followed up with [redacted]. [redacted] informed us that they needed a copy of the check that was sent with the incorrect name. This fact was included with our dispute response dated 2/27/15 along with a copy of the $100 still owing supplied by our client [redacted] Medical.
If a cancelled check is available showing that this account was paid prior to being listed with [redacted], please forward a copy to our office at [redacted] and we will send a request to [redacted] to correct their files.

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
According to your response, I get the feeling that your not understanding or choose not to understand the bases of my complaint. There was an agreement made that after an investigation with your client was held I would then get the results and go from there. I was to receive those results by writing (not a phone call) per your employee. A month went by and I recieved notices from my credit watching system that [redacted] reported this debt ( before notifying me of the results ) to the credit bureaus. Because  I didn't agree that I was responsible for the bill because the hospital owed me money, I was told there would be an investigation before any action would be taken against me but that didn't happen. After I called your office to complain( and pay the balance in full) I was told someone tried to call me ONCE......really? Then this letter I've inluded in the attachments, shows up weeks later dated 2/27/2015 and the postage clearly states March 27th after your company reported it to the credit bureau and not to me. First point never gave me a chance to handle it after the investigation as agreed. I want this collection removed from my credit report, even though it's been paid in full,  because it should have never been reported. 
Regards,
[redacted]

Review: this collection agency contacted me about a week ago about a bill that was turned over to them by the hospital for collections...I do not dispute the bill, but I dispute the way they handled it....I called them to discuss possibly paying off the bill for a lump sum payment for a lesser amount, but the collection agency said that option expired in april..how can that option expire in April when I just got the bill in June????Desired Settlement: offer me a settlement of a lesser amount that I will actually know about before it expires

Business

Response:

The consumer was told there was no discount available because the client was only offering tax time discounts through 04/15/16. We have contacted our client to see if they will still consider a discount but have not received a response. We will notify the customer if a discount is given.

I am 26 and have had a credit score in the mid to high [redacted] since I was 18. Apparently my parents missed 3 payments while I was in college regarding an insurance matter almost half a decade ago. I started to receive robo calls from these people and called them back. I gave them my updated address and times to call (out of office). The collector ignored everything I said and continued to call while I was at work. I clearly stated I was willing to pay off the debt.

I tried calling back 5+ times to pay the debt and the collectors coworker answered my call and said they would put a note on her desk or there was no answer... It took another 6 months to hear more robocalls, they occured while I was at work.

The rep at this company said she would not report my collection the credit bureaus and expected me to believe this. Therefore I had 2 of the 3 bureaus try to call them and there was no answer. I am trying to dispute the debt but whenever I or someone on my behalf call, we cannot get the employee who is handling my case or no answer at all.

They weren't threatening, but very unreliable and impossible to work with... The coworker told me to just go on their website and pay the debt but the original collector has not sent me the material I requested to prove what I owe.

My experience and events with this company are noted above. I refrained from expressed my personal opinion of the individuals at this organization.

Review: This company, whom apparently collects for [redacted] according to my credit report, has failed repeatedly to remove their erroneous trade line from my credit report using the excuse that they cannot find my account. Well, DUH!! That's because I DONT OWE THEM OR ANY OTHER COLLECTOR MONEY! I have never had a credit account or a loan with [redacted].

I am very sick, undergoing year two of chemotherapy at the young age of 34 while worrying about my firefighter husband putting his life on the line every day running into burning buildings to save lives. If this doesn't get resolved NOW, I'm taking this to social, print, and news media, because believe me, "hero's young wife fighting for her life while battling against fraudster collection agency trying to bilk her out of $39" DOES make for a great news story on a sleepy day.Desired Settlement: I want someone to actually step up, take personal responsibility for this error, find the account (I have the number from my credit report but I can't list it here) and REMOVE THE TRADELINE FROM MY REPORT PERMANENTLY NOW. Enough games! Going through the Revdex.com last time didn't even help!!

Now if this company uses the excuse again that can't find my info based on my name and address, then they better email me and ask me for the account number or a copy of my credit report because this IS going to get fixed this time. $39 that I don't even OWE is NOT going to ruin my credit. I'm tired of lazy excuses. If this found its way onto my credit report, then someone can help it find it's way OFF my credit report.

There are consumer protection attorneys to help me do it if they won't, and it will cost them a lot more than $39. I want updates and confirmations of the removal, in writing, via mail to my address: [redacted]

Business

Response:

We have noted this account disputed and asked our client [redacted] to provide proof of this claim.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

You, Firstpoint Collection, have allegedly purchased my so-called account from [redacted] and with it the info needed to collect my alleged debt, etcetera and with that comes the proof of ownership... IF IT WAS LEGITIMATE. Sure sounds like it isn't. You don't need to consult with [redacted] about anything YOU own. You cannot just mar someone's credit report without having legitimate proof of ownership of the alleged debt. You must have proof the account exists yourself, the proof of legitimacy yourself, proof of OWNERSHIP to be LEGALLY allowed to collect and the fact that you have none of these things (as referenced by your statement to me) is a Fair Debt Collections Practice violation and YOU KNOW IT. Remove it now-or you can very easily guess where my next step will be to. I will have your official statement to the Revdex.com that says you have nothing required to collect (an alleged) debt from me, in my hand. You can probably guess the stop after that. Or, you can do the right thing and DELETE the account that you have admitted you cannot find, and therefore do not have the right to collect. Admit that you've made a mistake and ruined my credit over your $39 mistake and fix it. Because you are liable for damages. Remember that if you choose not to fix this at this stage-I'm being nice.

Regards,

Review: I have contacted this company many times to make payments towards my medical debt. Now that I have a job and can afford to make payments im trying to get my credit back on track. Everytime I call they will not give me any information, or the title/name of who I may write the check to. Im hung up on several times and at this point scared they will purposely harm my credit. I've made every attempt to pay this bill. I explained I will send in what I can. i've even tried to ask to be set up on a payment plain. But im told my payments will not do anything they will still report me to the credit report....which will harm my credit score even more. this doesn't seem right...at the time of the medical charges I was laid off my job and them needed medical help. I didn't have a job to pay. and 7 yrs later im trying to pay and they won't let me. why is it that people today with no job can get free medical help and not pay but im being stuck with these charges when I work and pay my taxes.Desired Settlement: I want an apology! I want this corrected and I want fair treatment. is this do to the color of my skin? am I being racially profiled here? I want the scary phone calls to stop I want this charge dropped. I see this being UN-professional and not away to run a business.

Business

Response:

We are noting these accounts [redacted] $554.00 and [redacted] $125 as Cease Communications under FDCPA 805(c) per Mr. [redacted] request.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.] They didn't answer or acknowledge anything I spoke about in my comments. Regards,[redacted]

Business

Response:

The address to mail payment to FirstPoint is [redacted]. The account will be reported to Equifax as paid when payment in full is received. All of our calls are recorded. On the recording the collector did terminate the call due to foul language from the consumer.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[not satisfied with this resolution.]Credit collectors continue to run over hard working people...speaking with these people is like speaking to a hamster. You get no answers and no results, Everything that comes out of there mouth are lies. I've been told one answer by one person then another by someone else. You calls are recorded, that's great so are mine. State attorney general's office ([redacted] and the Federal Trade Commission ([redacted]). Those are violations of the Fair Debt Collection Practices Act. Im aware of my rights...and I've asked many times for a settlement payment to clear my debt....I receive no answer...I'm aware of my collection amount but can't pay it. Help me out here.....IM TRYING TO GET THIS WORKED OUT.....UNLIKE THOUSANDS OF OTHER AMERICANS....[redacted]

Review: Keep getting calls and voice mails from this business

We do not have any delinquent debits and sounds like their fishing for someone that may have once used our home numberDesired Settlement: Phone calls be discontinued, if they have a legit issue, send me a letter

Business

Response:

We have added Mr. [redacted] telephone number [redacted] to our do not call list

Review: You are calling for me, but refuse to give the information to my wife and was very rude and hung up on her. I have not recieved anything in the mail requarding any thing in collections, so please provide me proof of who you are and whom you are collecting from. I am not going to give you any information until you prove to me that you have something in collections for me. Please send proof to my email address at [redacted]. I work alot and do not have time to deal with issues, that is why my wife's number is on everything.Desired Settlement: Please provide me with proof of so called debt and if it is legit it will be taken care of ASAP.

Business

Response:

According to our records, a notice was mailed to [redacted] on 1/14/15. The notice includes what the debt was for and instructions for disputing the debt if you feel was was placed with FirstPoint in error.

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I did not recieve the letter sent. could you please resend.

Regards,

Business

Response:

Request for another letter submitted today.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. We did receive the letter and have got the situation cleared up with the creditor. Thank you so much for all your help