I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. As per the Revdex.com request these are the other numbers this business has called ###-###-####, ###-###-#### and ###-###-####. All these number should be on do not call list and they are to cease and desist any future calls. Plus there are other numbers that this business has called which are neighbors or family members. They are relentless and they know exactly what number they have been calling because they did a neighborhood and friend and family search. This is what these companies do however I will not just accept their excuse. I will file complaints with Attorney General and Consumer Protection and any other source to stop these unfair debt practices.
Regards,
[redacted]
Thank you for your correspondence dated March 27, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Firstsource Advantage had used Mr. [redacted]’s number he...
provided in this complaint and pulled our call logs for this number. Our office only reflects one call being placed to Mr. [redacted] from our office which was on March 27, 2015. It is possible that other companies may be contact him as well.
Upon receipt of this complaint Firstsource Advantage has blocked Mr. [redacted]’s number which is the best way to ensure no further calls are made to his number from our office.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. You said "Firstsource Advantage does not credit report for this
client as any credit reporting is the responsibility of the creditor"
in your response. I do have the original creditor on my credit report
and it is listed as Satisfied, pd. in full with a $0 balance. You can
consider this matter closed as you've already collected over $2,000 of
which I didn't even owe. No more payments will be sent and you do not
have permission to garnish my bank account. Take whatever action you
see as necessary because I have the documentation showing my balance of
$0. It says I have to respond to this or my case will be closed after 5 days. I'll leave it open till I get the letter they told me they are sending showing what debt I supposedly owe.
Regards,
[redacted]
Thank you for your correspondence dated August 2, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]’s account was placed with Firstsource Advantage, LLC on July 13, 2016 by our client to...
collect on the debt. Please note that Firstsource Advantage does not reflect any contacts on the account with Mr. [redacted] or any excessive calls being made on the account.
On July 13, 2016, we were informed that we were dialing a wrong number. The representative failed to remove the number properly which caused an additional call being made to that number. The representative has been counseled on the importance of properly removing numbers and written disciplinary action will be kept on file.
Upon receipt of this complaint, Firstsource Advantage, LLC has closed Mr. [redacted]’s account from our office as a cease and desist.
We do apologize for any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you. Sincerely, Nicholette C.
Compliance Manager
Thank you for your correspondence dated October 14, 2014 relating to the above account.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]’s account was placed with Firstsource Advantage...
on August 12, 2013. On July 23, 2014 Mr. [redacted] informed our office that he wanted this removed from his credit report. Unfortunately the representative failed to properly document Mr. [redacted]’s request. This representative has been counseled on the importance of carefully documenting accounts to ensure customer’s concerns are addressed and written disciplinary action will be kept on file.
On August 11, 2014 Mr. [redacted] called into our office and informed that the account was still reporting on his credit report. That same day, Mr. [redacted]’s account was closed from our office and returned to the client. We submitted a request to have this account removed from the Mr. [redacted]’s credit report. On August 26, 2014 Mr. [redacted] was sent a letter confirming the account had been removed from his credit report.
Please note that the credit bureaus may take up to 90 days to reflect the removal. Upon receipt of this complaint Firstsource Advantage submitted another request on to have this account deleted from his credit report and another letter was sent to Mr. [redacted] on October 15, 2014 confirming the deletion.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
Thank you for your correspondence dated June 26, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted] has three accounts that were placed into our office...
for collections by our client. One Advantage, LLC, formally known as Firstsource Advantage, LLC had several contacts with Mr. [redacted] on the account. Mr. [redacted] refused to verify his information and therefore we were unable to explain why we were calling.
On each call, our representatives did inform Mr. [redacted] that we were calling from One Advantage. After reviewing the call recordings our representatives did handle the calls professionally.
On July 17, 2015 Mr. [redacted] finally verified his full date of birth and we were able to explain why we were calling and the account details were discussed. During this call Mr. [redacted] stated that he doesn’t understand why he is in collections as he has full coverage with his insurance carrier. The representative explained that the balances remaining on the accounts are his deductibles from his insurance. Mr. [redacted] informed us that his visits are always covered fully by his insurance company and he will be calling the hospital to try and resolve the business.
Now that Mr. [redacted] is aware of the reason we were calling we hope that he understands why we need to verify we have the correct person on the line before disclosing the reason why were attempting to reach him.
Upon receipt of this complaint One Advantage has coded Mr. [redacted]’s accounts as disputed and also requested verification of debt from the client. Once these documents are received we will send to Mr. [redacted] for his review.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
Nicholette C.
Compliance Manager
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]
Thank you for your correspondence dated September 14, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Ms. [redacted]’s account was placed with Firstsource Advantage, LLC on September 1, 2016 by our...
client to collect on this debt. On September 6, 2016, a letter was sent to Ms. [redacted] informing her that the account has been placed into our office. This letter was sent to the address Ms. [redacted] has listed in her complaint.
On September 13, 2016 a representative did contact the Ms. [redacted]’s daughter as the phone number was believed to be a good contact number for Ms. [redacted]. Ms. [redacted]’s daughter informed the representative that this was a wrong number. At that time, Firstsource Advantage removed the number of ###-###-#### and no further calls were made to that number.
Upon receipt of this complaint, Firstsource Advantage has closed Ms. [redacted]’s account as cease and desist. The account will be returned to the client and no further collection activities will be made by Firstsource Advantage.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope the above information will help resolve her concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at ###-###-#### if you have any questions. Thank you.
Thank you for your correspondence dated January 26, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Ms. [redacted]’s account was placed with Firstsource...
Advantage on June 19, 2014 by our client to collect on this debt. On July 29, 2014 Ms. [redacted] called into our office and informed us that she would be making direct payments to the client but did not know much or when exactly the payments would be made. Ms. [redacted] did state that she would start making payments in a few weeks.
On January 23, 2015 Ms. [redacted] called into our office and stated that she confirmed with the hospital that there is a zero balance. At the time of this call the final payment had not posted to the account and we were still showing an outstanding balance.
The payment posted to the account on January 26, 2015. Recordings reveal that when Ms. [redacted] called into our office our representative never informed her that this account would be removed from her credit report. We stated that it would be updated to the credit bureaus as paid in full.
After reviewing the call recordings the representative handled the call professionally and when explaining the process to Ms. [redacted] regarding the credit reporting Ms. [redacted] became upset because of the time it would take to update. Firstsource Advantage updates the credit bureaus weekly but has found that the credit bureau agencies may take up to 90 days before it reflects on the customer’s report.
Upon receipt of this complaint Firstsource Advantage has sent Ms. [redacted] a paid in full letter and sent a request to have this account removed from her credit report as courtesy.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Thank
you for your correspondence dated December 8, 2015. Upon receiving notification
of the complaint, as a part of our standard complaint process, a thorough
investigation of this matter was performed. Ms. [redacted]’s account was placed with
Firstsource Advantage, LLC on March 9, 2011 by our...
client to collect on the
debt. Firstsource
Advantage, LLC does not show record of Ms. [redacted] contacting the office and not
being able to reach anyone, as well as no record of any voicemails being left
by Ms. [redacted]. As
Firstsource Advantage, LLC cannot communicate via email with customers for this
client, we do recommend that Ms. [redacted] to contact our office toll free at
###-###-#### to discuss her account. If Ms. [redacted] would prefer to mail in
correspondence she can send to Firstsource Advantage, LLC at [redacted], [redacted], NY [redacted]. We do appreciate Ms. [redacted]’s desire to work with our
office to resolve her account. Please
note that the phone number referenced above for Firstsource Advantage LLC is a direct
line to our representatives who can assist Ms. [redacted]. Our messages do not offer
deals on cruises so we believe Ms. [redacted] must have dialed an incorrect phone
number. Upon
receipt of this correspondence, Firstsource Advantage, LLC has notified the
client of Ms. [redacted]’s concerns. Firstsource Advantage, LLC has removed the
account from the calling queue. We
do regret any inconvenience that Ms. [redacted] may have experienced and hope that
all of her concerns have been addressed. Firstsource
Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
compliance with the law and to ensure that the highest quality of service is
provided to the customer. Complaints
such as yours are taken very seriously and are thoroughly investigated. Please
call me if you have any questions. Thank you. Sincerely, Nicholette
C. Compliance
Manager
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]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. No one called and notified me about the issue with the fax number. I can assure you that is a working fax number. However, I have another fax number to provide. It is ###-###-####. I was also told that this document would be mailed out to me. Is that still true? If so, I would have thought that I would have it by this time.
Regards,
[redacted]
Thank you for your correspondence dated August 16, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted] account was placed with Firstsource Advantage, LLC on August 4, 2016 by our client...
to collect on this debt. On August 8, 2016, a letter was sent to Mr. [redacted] informing him the account has been placed into our office.
We have not established any phone contact on the account with Mr. [redacted]. All collection accounts are serviced in our New York State office. Records do not reveal any excessive calls placed to Mr. [redacted].
Upon receipt of this complaint, Firstsource Advantage, LLC has marked the account as disputed and also notated the cease and desist request. The client has been notified and all collection activities have ceased on the account by Firstsource Advantage.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope the above information will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at ###-###-#### if you have any questions. Thank you.
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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. On 11/21/2016, I send a constructive notice with their original correspondence, which I refused, to First Source Advantage LLC, Legal Department, [redacted], NY [redacted], certified mail (my receipt attached). In my constructive notice, I declared under the penalties of perjury in accordance with the laws of the United States of America Title 28 U.S.C. Sec. 1746 (1) the forgoing is true and correct and is admitted when not rebutted, so help me. The copy of the correspondence was mailed to Consumer Affairs Department, [redacted]., Suite [redacted]. Failure of the First Source Advantage LLC to follow the correct process of rebutting the charges or any attempt to present rebuttal evidence that is not sworn as both true and “the whole truth” invalidates such response as if no evidence or rebuttal were given at all. Regards, [redacted]
Thank you for your recent correspondence dated September 3, 2015 relating to the above consumer.
Upon receiving notification that Mr. [redacted] was not satisfied with our response, we have revisited this complaint. To reiterate, Firstsource Advantage is a third party debt collection company contracted by [redacted] Memorial Hospital to assist them in collecting past due accounts. This is not in violation of the FDCPA.
Once the accounts were placed into our office for collections, we sent Mr. [redacted] dunning notices on all accounts which stated that the account was placed into our office for collections. The upper left hand corner of the letter reflects our company letter head. The upper right hand corner reflects all the pertinent account information such as the client name, account number, and balance due. All letters contain the disclosure that this is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. All initial notices contain the 30 day validation disclosure. We respectfully disagree with the assertions made by Mr. [redacted].
Please note that [redacted] Memorial Hospital does not require a license for the Florida Secretary of State as they are a creditor and the State of Florida does not require credit licensing.
Upon review of Mr. [redacted]’s itemized statements, we do not reflect a balance of $25.201.53 which he references in his rebuttal. We originally received this account in the placement of $25.310.53 and previously addressed the increase of $117.50 to Mr. [redacted].
In regards to Mr. [redacted]’s concerns regarding the balance size increase from October 2014 to November 2014, please note that Firstsource Advantage did not adjust the balance of the account. While servicing the account [redacted] Memorial Hospital sent an update to Mr. [redacted]’s account. The verification of debt that was sent to Mr. [redacted] will help explain these increases as it shows the transactions that took place on his account in October of 2014.
In regards to Mr. [redacted]’s concerns regarding [redacted] sending these accounts to our office for collections, please note that as a third party collection agency, we have contracts with our clients that allows us to collect these debts on their behalf. The credit reporting is a client requirement and is part of our contract with them. Firstsource Advantage services many accounts for consumers so that we can help them resolve their debts that come into collections.
Any accounts that are placed with Firstsource Advantage by our client are to be collected on as party of our contractual agreement with [redacted].
After reviewing Mr. [redacted]’s concerns, these appear to be his conclusions of what he thinks is not compliant. Firstsource Advantage is a dually licensed collection agency and disagree with Mr. [redacted]’s statements.
Firstsource Advantage has sent the verification of debt to Mr. [redacted] on August 20, 2015.
Again, we do regret any inconvenience that Mr. [redacted] may have experienced and hope that the above information and verification of debt being sent to him will help address all of his concerns.
Firstsource Advantage has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact me at ###-###-####. Thank you.
Sincerely,
Nicholette C.
Compliance Manager
Thank you for your correspondence dated March 18, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. The call recordings reveal that Firstsource...
Advantage did not disclose to any third parties that we were calling in regards to a debt. As this is a corporate account, the representative did inform a third party that he was calling in reference to a company that Mr. [redacted] had previously worked with, [redacted], however never informed it was an attempt to collect a debt. The representative did mispronounce the company name of [redacted].
Upon receipt of this complaint Firstsource Advantage has placed Mr. [redacted]’s account into a no call status. Firstsource Advantage has also coded Mr. [redacted]’s account as disputed as he informed our representative that this debt has been paid.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Thank you for your correspondence dated November 26, 2014 relating to the above consumer.
Per our standard complaint process, a thorough investigation of the allegations was performed. Ms. [redacted] had two accounts that were placed with Firstsource Advantage on March 21, 2011 and May 23, 2011. On...
March 22, 2011 and May 24, 2011 Firstsource Advantage did send dunning notices to Ms. [redacted] at the address we had on file which was [redacted] FL [redacted]. Please note that Firstsource Advantage did not receive a mail return on this account.
Please note that Firstsource Advantage has no record of receiving any correspondence from Ms. [redacted] on these accounts regarding a dispute and our records do not reflect any phone contact with her on either of these accounts. Firstsource Advantage did attempt to dial the number of ###-###-#### which we had on file for Ms. [redacted] but was unable to establish any contact with her at this number.
Please note that Firstsource Advantage is duly licensed in the State of Florida under license number CCA [redacted].
Firstsource Advantage does reflect that Ms. [redacted] submitted a dispute to the credit bureaus beginning on May 15, 2014. Although the information reported was found accurate, the accounts were updated to reflect as disputed as well as the credit report.
Upon receipt of this correspondence Firstsource Advantage had sent a request to the client for verification of debt and this was sent to Ms. [redacted] on December 1, 2014 at her address she listed in her complaint of [redacted] Drive [redacted] FL, [redacted].
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that the verification that has been sent to her will help address her concerns.
Firstsource Advantage has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact me at ###-###-####. Thank you.
Sincerely,
Thank you for your recent correspondence dated January 30, 2015 relating to the above consumer.
Upon receiving notification that Ms. [redacted] did not accept our response we have revisited this complaint. Ms. [redacted] rejected our response because she wants this account removed from her credit report. Firstsource Advantage has processes in place where upon we cannot remove accounts from a customer’s credit report unless the information we are reporting is inaccurate.
Since Firstsource Advantage did not receive a dispute from Ms. [redacted] until this correspondence, we followed our process which is to update the account and credit report as disputed and send her the verification documents. If it is found that any information was inaccurate, we would then remove the account. Since our records do not reflect any inaccurate information being reported at this time, we cannot remove the account from Ms. [redacted]’s credit report.
Please note that the address we have for Ms. [redacted] is [redacted] NC [redacted] which is different than the address she has listed in this complaint. If Ms. [redacted] would like to contact our office to update her account information she can call us toll free at ###-###-####. This will help us when sending the verification of debt to her to ensure she receives our information.
As previously stated, Firstsource Advantage has marked Ms. [redacted]’s account and credit report as disputed and requested the verification from the client. Once the documents are received we will send to Ms. [redacted].
Again we do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. As per the Revdex.com request these are the other numbers this business has called ###-###-####, ###-###-#### and ###-###-####. All these number should be on do not call list and they are to cease and desist any future calls. Plus there are other numbers that this business has called which are neighbors or family members. They are relentless and they know exactly what number they have been calling because they did a neighborhood and friend and family search. This is what these companies do however I will not just accept their excuse. I will file complaints with Attorney General and Consumer Protection and any other source to stop these unfair debt practices.
Regards,
[redacted]
Thank you for your correspondence dated March 27, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Firstsource Advantage had used Mr. [redacted]’s number he...
provided in this complaint and pulled our call logs for this number. Our office only reflects one call being placed to Mr. [redacted] from our office which was on March 27, 2015. It is possible that other companies may be contact him as well.
Upon receipt of this complaint Firstsource Advantage has blocked Mr. [redacted]’s number which is the best way to ensure no further calls are made to his number from our office.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. You said "Firstsource Advantage does not credit report for this
client as any credit reporting is the responsibility of the creditor"
in your response. I do have the original creditor on my credit report
and it is listed as Satisfied, pd. in full with a $0 balance. You can
consider this matter closed as you've already collected over $2,000 of
which I didn't even owe. No more payments will be sent and you do not
have permission to garnish my bank account. Take whatever action you
see as necessary because I have the documentation showing my balance of
$0. It says I have to respond to this or my case will be closed after 5 days. I'll leave it open till I get the letter they told me they are sending showing what debt I supposedly owe.
Regards,
[redacted]
Thank you for your correspondence dated August 2, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]’s account was placed with Firstsource Advantage, LLC on July 13, 2016 by our client to...
collect on the debt. Please note that Firstsource Advantage does not reflect any contacts on the account with Mr. [redacted] or any excessive calls being made on the account.
On July 13, 2016, we were informed that we were dialing a wrong number. The representative failed to remove the number properly which caused an additional call being made to that number. The representative has been counseled on the importance of properly removing numbers and written disciplinary action will be kept on file.
Upon receipt of this complaint, Firstsource Advantage, LLC has closed Mr. [redacted]’s account from our office as a cease and desist.
We do apologize for any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you. Sincerely, Nicholette C.
Compliance Manager
Thank you for your correspondence dated October 14, 2014 relating to the above account.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]’s account was placed with Firstsource Advantage...
on August 12, 2013. On July 23, 2014 Mr. [redacted] informed our office that he wanted this removed from his credit report. Unfortunately the representative failed to properly document Mr. [redacted]’s request. This representative has been counseled on the importance of carefully documenting accounts to ensure customer’s concerns are addressed and written disciplinary action will be kept on file.
On August 11, 2014 Mr. [redacted] called into our office and informed that the account was still reporting on his credit report. That same day, Mr. [redacted]’s account was closed from our office and returned to the client. We submitted a request to have this account removed from the Mr. [redacted]’s credit report. On August 26, 2014 Mr. [redacted] was sent a letter confirming the account had been removed from his credit report.
Please note that the credit bureaus may take up to 90 days to reflect the removal. Upon receipt of this complaint Firstsource Advantage submitted another request on to have this account deleted from his credit report and another letter was sent to Mr. [redacted] on October 15, 2014 confirming the deletion.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
Thank you for your correspondence dated June 26, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted] has three accounts that were placed into our office...
for collections by our client. One Advantage, LLC, formally known as Firstsource Advantage, LLC had several contacts with Mr. [redacted] on the account. Mr. [redacted] refused to verify his information and therefore we were unable to explain why we were calling.
On each call, our representatives did inform Mr. [redacted] that we were calling from One Advantage. After reviewing the call recordings our representatives did handle the calls professionally.
On July 17, 2015 Mr. [redacted] finally verified his full date of birth and we were able to explain why we were calling and the account details were discussed. During this call Mr. [redacted] stated that he doesn’t understand why he is in collections as he has full coverage with his insurance carrier. The representative explained that the balances remaining on the accounts are his deductibles from his insurance. Mr. [redacted] informed us that his visits are always covered fully by his insurance company and he will be calling the hospital to try and resolve the business.
Now that Mr. [redacted] is aware of the reason we were calling we hope that he understands why we need to verify we have the correct person on the line before disclosing the reason why were attempting to reach him.
Upon receipt of this complaint One Advantage has coded Mr. [redacted]’s accounts as disputed and also requested verification of debt from the client. Once these documents are received we will send to Mr. [redacted] for his review.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
Nicholette C.
Compliance Manager
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]
Thank you for your correspondence dated September 14, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Ms. [redacted]’s account was placed with Firstsource Advantage, LLC on September 1, 2016 by our...
client to collect on this debt. On September 6, 2016, a letter was sent to Ms. [redacted] informing her that the account has been placed into our office. This letter was sent to the address Ms. [redacted] has listed in her complaint.
On September 13, 2016 a representative did contact the Ms. [redacted]’s daughter as the phone number was believed to be a good contact number for Ms. [redacted]. Ms. [redacted]’s daughter informed the representative that this was a wrong number. At that time, Firstsource Advantage removed the number of ###-###-#### and no further calls were made to that number.
Upon receipt of this complaint, Firstsource Advantage has closed Ms. [redacted]’s account as cease and desist. The account will be returned to the client and no further collection activities will be made by Firstsource Advantage.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope the above information will help resolve her concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at ###-###-#### if you have any questions. Thank you.
Sincerely,
Nicholette C.
Compliance Manager
Thank you for your correspondence dated January 26, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Ms. [redacted]’s account was placed with Firstsource...
Advantage on June 19, 2014 by our client to collect on this debt. On July 29, 2014 Ms. [redacted] called into our office and informed us that she would be making direct payments to the client but did not know much or when exactly the payments would be made. Ms. [redacted] did state that she would start making payments in a few weeks.
On January 23, 2015 Ms. [redacted] called into our office and stated that she confirmed with the hospital that there is a zero balance. At the time of this call the final payment had not posted to the account and we were still showing an outstanding balance.
The payment posted to the account on January 26, 2015. Recordings reveal that when Ms. [redacted] called into our office our representative never informed her that this account would be removed from her credit report. We stated that it would be updated to the credit bureaus as paid in full.
After reviewing the call recordings the representative handled the call professionally and when explaining the process to Ms. [redacted] regarding the credit reporting Ms. [redacted] became upset because of the time it would take to update. Firstsource Advantage updates the credit bureaus weekly but has found that the credit bureau agencies may take up to 90 days before it reflects on the customer’s report.
Upon receipt of this complaint Firstsource Advantage has sent Ms. [redacted] a paid in full letter and sent a request to have this account removed from her credit report as courtesy.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
Thank
you for your correspondence dated December 8, 2015. Upon receiving notification
of the complaint, as a part of our standard complaint process, a thorough
investigation of this matter was performed. Ms. [redacted]’s account was placed with
Firstsource Advantage, LLC on March 9, 2011 by our...
client to collect on the
debt. Firstsource
Advantage, LLC does not show record of Ms. [redacted] contacting the office and not
being able to reach anyone, as well as no record of any voicemails being left
by Ms. [redacted]. As
Firstsource Advantage, LLC cannot communicate via email with customers for this
client, we do recommend that Ms. [redacted] to contact our office toll free at
###-###-#### to discuss her account. If Ms. [redacted] would prefer to mail in
correspondence she can send to Firstsource Advantage, LLC at [redacted], [redacted], NY [redacted]. We do appreciate Ms. [redacted]’s desire to work with our
office to resolve her account. Please
note that the phone number referenced above for Firstsource Advantage LLC is a direct
line to our representatives who can assist Ms. [redacted]. Our messages do not offer
deals on cruises so we believe Ms. [redacted] must have dialed an incorrect phone
number. Upon
receipt of this correspondence, Firstsource Advantage, LLC has notified the
client of Ms. [redacted]’s concerns. Firstsource Advantage, LLC has removed the
account from the calling queue. We
do regret any inconvenience that Ms. [redacted] may have experienced and hope that
all of her concerns have been addressed. Firstsource
Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
compliance with the law and to ensure that the highest quality of service is
provided to the customer. Complaints
such as yours are taken very seriously and are thoroughly investigated. Please
call me if you have any questions. Thank you. Sincerely, Nicholette
C. Compliance
Manager
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]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. No one called and notified me about the issue with the fax number. I can assure you that is a working fax number. However, I have another fax number to provide. It is ###-###-####. I was also told that this document would be mailed out to me. Is that still true? If so, I would have thought that I would have it by this time.
Regards,
[redacted]
Thank you for your correspondence dated August 16, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted] account was placed with Firstsource Advantage, LLC on August 4, 2016 by our client...
to collect on this debt. On August 8, 2016, a letter was sent to Mr. [redacted] informing him the account has been placed into our office.
We have not established any phone contact on the account with Mr. [redacted]. All collection accounts are serviced in our New York State office. Records do not reveal any excessive calls placed to Mr. [redacted].
Upon receipt of this complaint, Firstsource Advantage, LLC has marked the account as disputed and also notated the cease and desist request. The client has been notified and all collection activities have ceased on the account by Firstsource Advantage.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope the above information will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at ###-###-#### if you have any questions. Thank you.
Sincerely,
Nicholette C.
Compliance Manager
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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. On 11/21/2016, I send a constructive notice with their original correspondence, which I refused, to First Source Advantage LLC, Legal Department, [redacted], NY [redacted], certified mail (my receipt attached). In my constructive notice, I declared under the penalties of perjury in accordance with the laws of the United States of America Title 28 U.S.C. Sec. 1746 (1) the forgoing is true and correct and is admitted when not rebutted, so help me. The copy of the correspondence was mailed to Consumer Affairs Department, [redacted]., Suite [redacted]. Failure of the First Source Advantage LLC to follow the correct process of rebutting the charges or any attempt to present rebuttal evidence that is not sworn as both true and “the whole truth” invalidates such response as if no evidence or rebuttal were given at all. Regards, [redacted]
Thank you for your recent correspondence dated September 3, 2015 relating to the above consumer.
Upon receiving notification that Mr. [redacted] was not satisfied with our response, we have revisited this complaint. To reiterate, Firstsource Advantage is a third party debt collection company contracted by [redacted] Memorial Hospital to assist them in collecting past due accounts. This is not in violation of the FDCPA.
Once the accounts were placed into our office for collections, we sent Mr. [redacted] dunning notices on all accounts which stated that the account was placed into our office for collections. The upper left hand corner of the letter reflects our company letter head. The upper right hand corner reflects all the pertinent account information such as the client name, account number, and balance due. All letters contain the disclosure that this is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. All initial notices contain the 30 day validation disclosure. We respectfully disagree with the assertions made by Mr. [redacted].
Please note that [redacted] Memorial Hospital does not require a license for the Florida Secretary of State as they are a creditor and the State of Florida does not require credit licensing.
Upon review of Mr. [redacted]’s itemized statements, we do not reflect a balance of $25.201.53 which he references in his rebuttal. We originally received this account in the placement of $25.310.53 and previously addressed the increase of $117.50 to Mr. [redacted].
In regards to Mr. [redacted]’s concerns regarding the balance size increase from October 2014 to November 2014, please note that Firstsource Advantage did not adjust the balance of the account. While servicing the account [redacted] Memorial Hospital sent an update to Mr. [redacted]’s account. The verification of debt that was sent to Mr. [redacted] will help explain these increases as it shows the transactions that took place on his account in October of 2014.
In regards to Mr. [redacted]’s concerns regarding [redacted] sending these accounts to our office for collections, please note that as a third party collection agency, we have contracts with our clients that allows us to collect these debts on their behalf. The credit reporting is a client requirement and is part of our contract with them. Firstsource Advantage services many accounts for consumers so that we can help them resolve their debts that come into collections.
Any accounts that are placed with Firstsource Advantage by our client are to be collected on as party of our contractual agreement with [redacted].
After reviewing Mr. [redacted]’s concerns, these appear to be his conclusions of what he thinks is not compliant. Firstsource Advantage is a dually licensed collection agency and disagree with Mr. [redacted]’s statements.
Firstsource Advantage has sent the verification of debt to Mr. [redacted] on August 20, 2015.
Again, we do regret any inconvenience that Mr. [redacted] may have experienced and hope that the above information and verification of debt being sent to him will help address all of his concerns.
Firstsource Advantage has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact me at ###-###-####. Thank you.
Sincerely,
Nicholette C.
Compliance Manager
Thank you for your correspondence dated March 18, 2015 relating to the above consumer.
Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. The call recordings reveal that Firstsource...
Advantage did not disclose to any third parties that we were calling in regards to a debt. As this is a corporate account, the representative did inform a third party that he was calling in reference to a company that Mr. [redacted] had previously worked with, [redacted], however never informed it was an attempt to collect a debt. The representative did mispronounce the company name of [redacted].
Upon receipt of this complaint Firstsource Advantage has placed Mr. [redacted]’s account into a no call status. Firstsource Advantage has also coded Mr. [redacted]’s account as disputed as he informed our representative that this debt has been paid.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of his concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
Thank you for your correspondence dated November 26, 2014 relating to the above consumer.
Per our standard complaint process, a thorough investigation of the allegations was performed. Ms. [redacted] had two accounts that were placed with Firstsource Advantage on March 21, 2011 and May 23, 2011. On...
March 22, 2011 and May 24, 2011 Firstsource Advantage did send dunning notices to Ms. [redacted] at the address we had on file which was [redacted] FL [redacted]. Please note that Firstsource Advantage did not receive a mail return on this account.
Please note that Firstsource Advantage has no record of receiving any correspondence from Ms. [redacted] on these accounts regarding a dispute and our records do not reflect any phone contact with her on either of these accounts. Firstsource Advantage did attempt to dial the number of ###-###-#### which we had on file for Ms. [redacted] but was unable to establish any contact with her at this number.
Please note that Firstsource Advantage is duly licensed in the State of Florida under license number CCA [redacted].
Firstsource Advantage does reflect that Ms. [redacted] submitted a dispute to the credit bureaus beginning on May 15, 2014. Although the information reported was found accurate, the accounts were updated to reflect as disputed as well as the credit report.
Upon receipt of this correspondence Firstsource Advantage had sent a request to the client for verification of debt and this was sent to Ms. [redacted] on December 1, 2014 at her address she listed in her complaint of [redacted] Drive [redacted] FL, [redacted].
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that the verification that has been sent to her will help address her concerns.
Firstsource Advantage has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact me at ###-###-####. Thank you.
Sincerely,
[redacted]
Compliance Manager
Thank you for your recent correspondence dated January 30, 2015 relating to the above consumer.
Upon receiving notification that Ms. [redacted] did not accept our response we have revisited this complaint. Ms. [redacted] rejected our response because she wants this account removed from her credit report. Firstsource Advantage has processes in place where upon we cannot remove accounts from a customer’s credit report unless the information we are reporting is inaccurate.
Since Firstsource Advantage did not receive a dispute from Ms. [redacted] until this correspondence, we followed our process which is to update the account and credit report as disputed and send her the verification documents. If it is found that any information was inaccurate, we would then remove the account. Since our records do not reflect any inaccurate information being reported at this time, we cannot remove the account from Ms. [redacted]’s credit report.
Please note that the address we have for Ms. [redacted] is [redacted] NC [redacted] which is different than the address she has listed in this complaint. If Ms. [redacted] would like to contact our office to update her account information she can call us toll free at ###-###-####. This will help us when sending the verification of debt to her to ensure she receives our information.
As previously stated, Firstsource Advantage has marked Ms. [redacted]’s account and credit report as disputed and requested the verification from the client. Once the documents are received we will send to Ms. [redacted].
Again we do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated.
Please call me if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager