I am rejecting this response because: The court date for the meeting of creditors was on May 30th in which ALL of my creditors was notified and had days to respond before dischargeMy bankruptcy was not officially discharged until August 25th which means the creditor was notified during that time period
Initial Business Response / [redacted] (1000, 5, 2016/08/25) */ Mailed validation of debt to Mr [redacted] with signature from clientAlso verified with client the bankruptcy was filed 02/26/and these debts were incurred until 04/06/Accounts were not included in bankruptcyAlso, the accounts have not been reported to the credit file, they just came in our office August 9th and 11th Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/08/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company has violated the FDCPA and Bankruptcy code, they a are prohibited from collecting fees after the dischargeTheir admission itself is a violationThey have access to my private information and I fear they will continue to use unfair business practices and misuse my info My demand is that you respond in damages
Initial Business Response / [redacted] (1000, 5, 2016/05/10) */ After careful review of the account and Ms***'s dispute we have removed this account from her credit fileNotification was sent to Equifax todayA letter of confirmation is being sent today Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/05/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) thank you for answering in a timely mannerand it is very appreciated that the problem is resolvedplease notify all credit bureaus equifax, experian, and transunioneveryone have a terrific dayand many thanks to the Revdex.com bireau
Initial Business Response / [redacted] (1000, 5, 2016/08/22) */ We can not make a positive ID with the information that has been givenPlease have consumer to include account number from her credit report
Initial Business Response / [redacted] (1000, 7, 2016/03/23) */ We were unable obtain validation from our client, therefore we are closing this accountA letter has been mailed to Mr [redacted] and we will notify Equifax to remove from the credit file
Initial Business Response / [redacted] (1000, 5, 2015/09/02) */ We have mailed corresponding documents to the consumer on 9/2/Documents include an itemized bill from our client regarding the debt and a receipt for the 6/22/payment we received on the accountWe do not send out monthly statements Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) As I appreciate the current statement being sent, I would like a statement sent each monthIf this usual business practice cannot be followed, would this business consider sending a monthly email, detailing amounts received and current amount due?
To whom it may concern:In response to Ms [redacted] complaint, the collection manager reviewed the call and found the following:Both collectors identified themselves as calling from FirstPointThe third party that answere Ms [redacted] cell phone wanted more information which they could not supply due to Fair Debt Collection Practices (FDCPA) laws.When the party identifies themselves as the person we are trying to reach and verifies ID we then can discuss the account.Since she has requested to never hear from us again I have placed her account in a cease communication statusSincerely,Angie B [redacted] Operations Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/29) */ Mr [redacted] never disputed the debts with our officeThe only conversation we had with him was on 08/14/and he stated had previously applied for charity and was going to check on that with the hospitalThe collector offered a 25% discount if the charity was not approvedMr [redacted] was going to check with his bank about a loan and get back to us Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) They violated the lawThey need to close the accountI am going tonthr federal trade commission and NC attorney general for relief Final Business Response / [redacted] (4000, 9, 2016/02/02) */ FirstPoint attempted to contacted consumer three times regarding his accounts Attempt Results: Attempt 1: Call resulting in leaving a message on answering machine Attempt 2: Call resulting in leaving a message on answering machine Attempt 3: FirstPoint rep spoke with consumer (all calls are recorded) and never stated verbally that he disputed the accountsConsumer stated he was supposed to receive financial assistance from our clientFirstPoint advise consumer to follow up with our client regarding financial assistance and contact FirstPoint back with the resultsFirstPoint rep also suggested to consumer if he couldn't get financial assistance from our client then consumer could attempt to get a personal loan to satisfy the debt(s)Consumer led FirstPoint rep to believe if he couldn't get financial assistance he would attempt to get a personal loan FirstPoint never received a verbal or written dispute from consumer regarding the outstanding debt(s)However, FirstPoint is requesting validation of the outstanding debt(s) from our client and will send via mail to consumer's last known address
Initial Business Response / [redacted] (1000, 6, 2016/04/19) */ Debt validation is being mailed out to Ms [redacted] today so she can review the charges Initial Consumer Rebuttal / [redacted] (3000, 8, 2016/04/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received the requested document for reviewI will be in contact with the collection agency to discuss
I am rejecting this response because: I am attaching several papers with my signature please compare signaturesI did not sign this contractPleae investigate further
The account Ms [redacted] is referencing is not past the statue of limitationsThe account was turned over to us 11/8/with a date of service of 05/01/Accounts can be reported on the credit file for years from the date of serviceWe have received correspondence from Ms [redacted] in the past requesting that if she paid her accounts would we remove them from the credit fileOnce accounts are paid we update as paid in full, since we did not agreed to her request a reply was not sent
This account was paid in full to our office todayI have requested the account be deleted from the credit file due to the fact that the address was different than what was sent by the clientThe consumer had made payments to our client before paying the account off so she was aware the balance was due.Please let us know if you have any further questions
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I accept itGoodmorning, The Health Insurance Portability and Accountability Act of (HIPAA), PublicLaw 104-191, was enacted on August 21, Sections through of HIPAArequire the Secretary of HHS to publicize standards for the electronic exchange, privacy and security of healthinformationI have never signed and gave permission for a third party collection agency for the medical facility to have access to access the information
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I accept itThis business needs to be monitored what a disgusting way to handle "business"
Our office did receive a letter from Mr [redacted] on 05/10/The letter stated only that he disputed the debt and refused to payWe sent him a letter requesting the reason why he disputed the debt and never heard back from himWe do have validation of the debt which I am mailing him today
I am rejecting this response because: The court date for the meeting of creditors was on May 30th in which ALL of my creditors was notified and had days to respond before dischargeMy bankruptcy was not officially discharged until August 25th which means the creditor was notified during that time period
We have requested the signature documents from our clientWe are asking for an extension of days in order to send the completed validation to you
Initial Business Response / [redacted] (1000, 5, 2016/08/25) */ Mailed validation of debt to Mr [redacted] with signature from clientAlso verified with client the bankruptcy was filed 02/26/and these debts were incurred until 04/06/Accounts were not included in bankruptcyAlso, the accounts have not been reported to the credit file, they just came in our office August 9th and 11th Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/08/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company has violated the FDCPA and Bankruptcy code, they a are prohibited from collecting fees after the dischargeTheir admission itself is a violationThey have access to my private information and I fear they will continue to use unfair business practices and misuse my info My demand is that you respond in damages
Initial Business Response / [redacted] (1000, 5, 2016/05/10) */ After careful review of the account and Ms***'s dispute we have removed this account from her credit fileNotification was sent to Equifax todayA letter of confirmation is being sent today Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/05/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) thank you for answering in a timely mannerand it is very appreciated that the problem is resolvedplease notify all credit bureaus equifax, experian, and transunioneveryone have a terrific dayand many thanks to the Revdex.com bireau
Initial Business Response / [redacted] (1000, 5, 2016/08/22) */ We can not make a positive ID with the information that has been givenPlease have consumer to include account number from her credit report
Initial Business Response / [redacted] (1000, 7, 2016/03/23) */ We were unable obtain validation from our client, therefore we are closing this accountA letter has been mailed to Mr [redacted] and we will notify Equifax to remove from the credit file
Initial Business Response / [redacted] (1000, 5, 2015/09/02) */ We have mailed corresponding documents to the consumer on 9/2/Documents include an itemized bill from our client regarding the debt and a receipt for the 6/22/payment we received on the accountWe do not send out monthly statements Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) As I appreciate the current statement being sent, I would like a statement sent each monthIf this usual business practice cannot be followed, would this business consider sending a monthly email, detailing amounts received and current amount due?
To whom it may concern:In response to Ms [redacted] complaint, the collection manager reviewed the call and found the following:Both collectors identified themselves as calling from FirstPointThe third party that answere Ms [redacted] cell phone wanted more information which they could not supply due to Fair Debt Collection Practices (FDCPA) laws.When the party identifies themselves as the person we are trying to reach and verifies ID we then can discuss the account.Since she has requested to never hear from us again I have placed her account in a cease communication statusSincerely,Angie B [redacted] Operations Manager
Initial Business Response / [redacted] (1000, 5, 2016/01/29) */ Mr [redacted] never disputed the debts with our officeThe only conversation we had with him was on 08/14/and he stated had previously applied for charity and was going to check on that with the hospitalThe collector offered a 25% discount if the charity was not approvedMr [redacted] was going to check with his bank about a loan and get back to us Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) They violated the lawThey need to close the accountI am going tonthr federal trade commission and NC attorney general for relief Final Business Response / [redacted] (4000, 9, 2016/02/02) */ FirstPoint attempted to contacted consumer three times regarding his accounts Attempt Results: Attempt 1: Call resulting in leaving a message on answering machine Attempt 2: Call resulting in leaving a message on answering machine Attempt 3: FirstPoint rep spoke with consumer (all calls are recorded) and never stated verbally that he disputed the accountsConsumer stated he was supposed to receive financial assistance from our clientFirstPoint advise consumer to follow up with our client regarding financial assistance and contact FirstPoint back with the resultsFirstPoint rep also suggested to consumer if he couldn't get financial assistance from our client then consumer could attempt to get a personal loan to satisfy the debt(s)Consumer led FirstPoint rep to believe if he couldn't get financial assistance he would attempt to get a personal loan FirstPoint never received a verbal or written dispute from consumer regarding the outstanding debt(s)However, FirstPoint is requesting validation of the outstanding debt(s) from our client and will send via mail to consumer's last known address
Initial Business Response / [redacted] (1000, 6, 2016/04/19) */ Debt validation is being mailed out to Ms [redacted] today so she can review the charges Initial Consumer Rebuttal / [redacted] (3000, 8, 2016/04/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received the requested document for reviewI will be in contact with the collection agency to discuss
I am rejecting this response because: I am attaching several papers with my signature please compare signaturesI did not sign this contractPleae investigate further
Initial Business Response / [redacted] (1000, 7, 2015/08/04) */ We contacted our client and according to our client the balance is still outstanding
The account Ms [redacted] is referencing is not past the statue of limitationsThe account was turned over to us 11/8/with a date of service of 05/01/Accounts can be reported on the credit file for years from the date of serviceWe have received correspondence from Ms [redacted] in the past requesting that if she paid her accounts would we remove them from the credit fileOnce accounts are paid we update as paid in full, since we did not agreed to her request a reply was not sent
This account was paid in full to our office todayI have requested the account be deleted from the credit file due to the fact that the address was different than what was sent by the clientThe consumer had made payments to our client before paying the account off so she was aware the balance was due.Please let us know if you have any further questions
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I accept itGoodmorning, The Health Insurance Portability and Accountability Act of (HIPAA), PublicLaw 104-191, was enacted on August 21, Sections through of HIPAArequire the Secretary of HHS to publicize standards for the electronic exchange, privacy and security of healthinformationI have never signed and gave permission for a third party collection agency for the medical facility to have access to access the information
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I accept itThis business needs to be monitored what a disgusting way to handle "business"
Our office did receive a letter from Mr [redacted] on 05/10/The letter stated only that he disputed the debt and refused to payWe sent him a letter requesting the reason why he disputed the debt and never heard back from himWe do have validation of the debt which I am mailing him today