FMA Alliance, Ltd.

December 8, Dispute Resolution Team Revdex.com of Metropolitan Houston WLoop South, SteHouston, TX Re: Complaint No [redacted] Complainant – [redacted] To Whom It May Concern: The purpose of this correspondence is to resolve the above-referenced complaintI appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd(“FMA”)I have investigated the matter and would like to share my findings below First, please allow me to address what I believe may be an initial misunderstanding regarding FMA’s communication with Mr [redacted] FMA did contact Mr [redacted] on behalf of [redacted] However, [redacted] recently purchased a loan previously owned by [redacted] , LLC [redacted] is the current owner of the loan and [redacted] is the current servicer After reviewing our records, Mr [redacted] stated the balance of his loan with [redacted] is close to $8,dollars and that he had been making current payments on the loan through October of Our records for the [redacted] loan for which we attempted to contact Mr [redacted] show a much higher balance and do not reflect that any recent payments have been madeThis leads me to believe Mr [redacted] may have an additional loan either owned or serviced by [redacted] We do apologize for the misunderstandingWe have forwarded Mr [redacted] concerns to the creditor for their review Per Mr [redacted] ’s request, FMA has closed its file and returned the account to the servicerI can confirm FMA will no longer be contacting Mr [redacted] regarding this matter FMA sincerely regrets any inconvenience Mr [redacted] may have experiencedI sincerely hope this response resolves Mr [redacted] ’s concerns If Mr [redacted] has any additional questions regarding this matter, please have him contact me at 1-800-955- Kind regards, Michael [redacted] General Counsel

To Whom It May Concern: The purpose of this correspondence is to resolve the above-referenced complaintI appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd(“FMA”) FMA’s records reflect on August 12, 2015, Ms [redacted] authorized FMA to process payments in the amount of $beginning August 16, 2014, through June 16, FMA contacted Ms [redacted] on June 17, to advise the last payment of the arrangement processed on June 16, Ms [redacted] stated she would contact FMA in the future to set up additional payments FMA’s General Counsel reviewed the call recording where the payments were set up and confirmed Ms [redacted] authorized the payment arrangementFurthermore, Ms [redacted] received letters prior to each check running indicating that the check would run on the applicable dateFMA did not receive any verbal or written request to cancel payments Notwithstanding the information provided herein, FMA will refund the $to Ms [redacted] to demonstrate FMA’s commitment to consumer satisfactionAdditionally, FMA will cease all collection calls to Ms [redacted] and will await her call to set up future payments FMA regrets any inconvenience Ms [redacted] may have experiencedFMA requests Ms [redacted] contact FMA General Counsel, Lauren [redacted] at 1-800-955-extension [redacted] to discuss a method of refund for the referenced paymentAlternatively, if Ms [redacted] prefers to communicate in writing, she may send written correspondence to FMA General Counsel at Cutten Road Houston, Texas or fax FMA at (281) 444- Sincerely, Lauren [redacted] General Counsel & VP Compliance

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to mePlease note, that the respondent mentioned a number ending in [redacted] was added to the DNC listI do not have a number ending as suchThe number to be added is [redacted] Nevertheless, this was an acceptable response, and I consider this case to be closed

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: 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 On Oct 3, 2016, I received another notice for [redacted] from FMA Alliance, I trust these notices will stop immediately Return address was [redacted] Thank you! [redacted]

To Whom It May Concern:
The purpose of this correspondence is to resolve the above-referenced complaintI appreciate the opportunity to provide resolution on behalf of FMA Alliance, Ltd(“FMA”)
Pursuant to FMA’s records, FMA received no prior notice of the wrong number on fileFMA was
attempting to reach a different party and not *** *** Upon receipt of this complaint, FMA immediately placed *** *** telephone number ending in *** on our internal do not call listAs such, *** *** will not receive any additional phone calls
FMA regrets any inconvenience *** *** may have experiencedI sincerely hope this response resolves *** *** concernsIf there are any additional questions regarding this matter, please contact me at 1-800-955-extension
Sincerely,
Michael K***
General Counsel
one calls. FMA regrets any inconvenience *** *** may have experiencedI sincerely hope this response resolves *** *** concerns. If there are any additional questions regarding this matter, please contact me at 1-800-955-extension 4002. Sincerely, Michael K***General Counsel Michael K*** General Counsel Tell us why here

The purpose of this correspondence is to resolve any questions or concerns in relation to the above-referenced complaintI appreciate the opportunity to assist Ms*** on behalf of FMA Alliance, Ltd(“FMA”)
FMA Alliance is a non-reporting agency, and does not furnish any data to the credit
bureausAs such, FMA did not furnish any data to the credit bureaus regarding Ms*** account with FMAHowever, FMA has forwarded Ms*** complaint to the original creditor
Please note that although FMA does not furnish data to any credit bureaus, we do report all payments received by FMA to *** ** ***
FMA regrets any inconvenience Ms*** may have experiencedIf you have any additional questions regarding this matter, please contact me at (800) 955-or *** ** *** at (866) 500-
Sincerely,
Lauren R***
General Counsel & VP Compliance

To Whom It May Concern:
The purpose of this correspondence is to resolve the above-referenced complaintI appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd(“FMA”)
Pursuant to the desired resolution set forth in the complaint, FMA has placed Ms***'s
phone number on our internal Do Not Call (DNC) listAs such, Ms*** will not receive additional phone calls at the number provided
FMA regrets any inconvenience Ms*** may have experiencedIf Ms*** has any additional questions regarding this matter, please contact FMA General Counsel at 1-800-955-5598, extension
Sincerely,
Lauren ***
General Counsel & VP Compliance

To Whom It May Concern:
The purpose of this correspondence is to resolve the above-referenced complaintI appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd(“FMA”)
The Revdex.com (“Revdex.com”) complaint was the first time FMA was notified of Ms
Arrington’s request to remove the number listed thereinPursuant to the desired resolution set forth in the complaint, FMA has placed MsArrington’s phone number on our internal Do Not Call (“;DNC”) listAs such, Ms*** will not receive additional phone calls at the number provided
FMA regrets any inconvenience Ms*** may have experiencedIf Ms*** has any additional questions regarding this matter, please contact FMA General Counsel at 1-800-955-5598, extension
Sincerely,
Lauren R***
General Counsel & VP Compliance

To Whom It May Concern: The purpose of this correspondence is to resolve the above referenced complaintI appreciate the opportunity to provide resolution on behalf of FMA Alliance, Ltd(“FMA”) FMA** records reflect that FMA mailed correspondence based on information received from
our client, * *** * *** *** On August 15, 2016, *** *** contacted FMA referencing correspondence he received regarding a past due account from our client referenced above During said call, *** *** advised the address listed on the correspondence was incorrect and that he was unfamiliar with the creditor, and Internet AG Based on the information received by *** ***, our agent explained that FMA may have reached the incorrect individual FMA then immediately ceased all activity with regard to the account. Since that time, FMA has closed *** *** account and returned it to the creditor. Additionally, we have forwarded *** *** concerns to the creditor for review FMA regrets any inconvenience *** *** may have experiencedIf there are any additional questions regarding this matter, please contact me at ***
Sincerely, Michael K*** General Counsel FMA Alliance, Ltd

June 1, 2015
Via Electronic Submission
Revdex.com of Houston
Dispute Resolution Department
1333 West Loop South Ste. 1200
Houston, Texas 77027
Re: Complaint No. [redacted].
Complainant – [redacted]
To Whom It May Concern:
The purpose of this correspondence is to...

resolve the above-referenced complaint. I appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd. (“FMA”).
FMA’s records reflect this is the first notification received from Ms.[redacted] informing FMA we have an erroneous phone number and to cease calls. The number provided will immediately be placed on our Do Not Call list. FMA did not place any further calls to Ms. [redacted]’s number after notification on May 31, 2015.
Because FMA has amended our records, Ms. [redacted] will not receive any further communications from our offices.
FMA regrets any inconvenience Ms. [redacted] may have experienced. If you have any additional questions regarding this matter, please contact me at 1-800-955-5598.
Sincerely,
Lauren [redacted]
General Counsel & VP Compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.   Sent: Wednesday, December 20, 2017 8:52 AM Subject: Re: You have a New Message from Revdex.com Regarding Complaint #[redacted]Again. What they say is not true. I have contacted [redacted]. I am still paying them monthly automatically out of my checking acct. The last payment was just taken out 12/13. I am in good standing g with [redacted] and they have not turned me over to FMA for collection. They are trying to collect a fraudulent debt.

December 8, 2017 Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Ste. 1200 Houston, TX 77027   Re:      Complaint No. [redacted]             Complainant – [redacted] To Whom It May Concern:...

  The purpose of this correspondence is to resolve the above-referenced complaint. I appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd. (“FMA”). I have investigated the matter and would like to share my findings below.   First, please allow me to address what I believe may be an initial misunderstanding regarding FMA’s communication with Mr. [redacted]. FMA did contact Mr. [redacted] on behalf of [redacted].  However, [redacted] recently purchased a loan previously owned by [redacted], LLC. [redacted] is the current owner of the loan and [redacted] is the current servicer.  After reviewing our records, Mr. [redacted] stated the balance of his loan with [redacted] is close to $8,000 dollars and that he had been making current payments on the loan through October of 2017.  Our records for the [redacted] loan for which we attempted to contact Mr. [redacted] show a much higher balance and do not reflect that any recent payments have been made. This leads me to believe Mr. [redacted] may have an additional loan either owned or serviced by [redacted]. We do apologize for the misunderstanding. We have forwarded Mr. [redacted] concerns to the creditor for their review.  Per Mr. [redacted]’s request, FMA has closed its file and returned the account to the servicer. I can confirm FMA will no longer be contacting Mr. [redacted] regarding this matter.   FMA sincerely regrets any inconvenience Mr. [redacted] may have experienced. I sincerely hope this response resolves Mr. [redacted]’s concerns.  If Mr. [redacted] has any additional questions regarding this matter, please have him contact me at 1-800-955-5598.     Kind regards,     Michael [redacted] General Counsel

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
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. Please note, that the respondent mentioned a number ending in [redacted] was added to the DNC list. I do not have a number ending as such. The number to be added is [redacted]. Nevertheless, this was an acceptable response, and I consider this case to be closed.

To Whom It May Concern:
The purpose of this correspondence is to resolve the above-referenced complaint. I appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd. (“FMA”).
FMA’s records indicate that Mr. S[redacted] first notified FMA that we had a wrong number on August 8,...

2015. Once notified, FMA immediately removed Mr. S[redacted]’s number and placed it on the internal Do Not Call (“DNC”) list. FMA has not made any calls to Mr. S[redacted] since August 8, 2015, and no calls will be made moving forward.

FMA regrets any inconvenience Ms. S[redacted] may have experienced. Pursuant to the information herein, FMA considers this complaint resolved.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
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.   On Oct 3, 2016, I received another notice for [redacted] from FMA Alliance,  I trust these notices will stop immediately.   Return address was [redacted]   Thank you![redacted]

To Whom It May Concern:
The purpose of this correspondence is to resolve the above-referenced complaint. I appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd. (“FMA”).
FMA’s records reflect on August 12, 2015, Ms. [redacted] authorized FMA to process payments in the...

amount of $20.00 beginning August 16, 2014, through June 16, 2015. FMA contacted Ms. [redacted] on June 17, 2015 to advise the last payment of the arrangement processed on June 16, 2015. Ms. [redacted] stated she would contact FMA in the future to set up additional payments.
FMA’s General Counsel reviewed the call recording where the payments were set up and confirmed Ms. [redacted] authorized the payment arrangement. Furthermore, Ms. [redacted] received letters prior to each check running indicating that the check would run on the applicable date. FMA did not receive any verbal or written request to cancel payments.

Notwithstanding the information provided herein, FMA will refund the $20.00 to Ms. [redacted] to demonstrate FMA’s commitment to consumer satisfaction. Additionally, FMA will cease all collection calls to Ms. [redacted] and will await her call to set up future payments.
FMA regrets any inconvenience Ms. [redacted] may have experienced. FMA requests Ms. [redacted] contact FMA General Counsel, Lauren [redacted] at 1-800-955-5598 extension [redacted] to discuss a method of refund for the referenced payment. Alternatively, if Ms. [redacted] prefers to communicate in writing, she may send written correspondence to FMA General Counsel at 12339 Cutten Road Houston, Texas 77066 or fax FMA at (281) 444-1004.
Sincerely,
Lauren [redacted]
General Counsel & VP Compliance

Re:      Complaint No. [redacted]              Complainant – [redacted] To Whom It May Concern: The purpose of this correspondence is to resolve the above-referenced complaint. I appreciate the opportunity...

to provide assistance on behalf of FMA Alliance, Ltd. (“FMA”). I have investigated the matter and would like to share our results.  FMA is a third-party debt collection agency that was attempting to contact an individual at an address and telephone number that we now understand belong to [redacted]  A review of our records reflects this is the first notification received from [redacted] indicating FMA had reached the wrong individual.  Upon receiving this complaint, FMA immediately removed the address from the account in question and placed [redacted] telephone number on our do-not-call list. [redacted] will no longer receive any further communications from our offices regarding this matter.  FMA regrets any inconvenience [redacted] may have experienced. If you have any additional questions regarding this matter, please contact me at 1-800-955-5598.   Sincerely, Michael K[redacted]General Counsel

August 1, 2016   Revdex.com of Houston Dispute Resolution Department 1333 West Loop South Ste. 1200 Houston, Texas 77027   Re:      Complaint No. [redacted]      Complainant – [redacted]   To Whom It May...

Concern:   The purpose of this correspondence is to resolve the above-referenced complaint. I appreciate the opportunity to provide resolution on behalf of FMA Alliance, Ltd. (“FMA”).   After a thorough review of FMA's records, FMA is unable to locate any evidence of a monetary transaction between Ms. [redacted] and FMA using the limited information provided in the complaint.  As such, FMA respectfully requests that Ms. [redacted] contact FMA to provide additional supporting information, so that FMA may investigate the matter further.  FMA has made attempts via telephone and email without success to contact Ms. [redacted] to assist in resolving her concerns.    FMA regrets any inconvenience Ms. [redacted] may have experienced.  Please have Ms. [redacted] contact me at 1-800-955-5598 or m[redacted]@fmaalliance.com at her earliest convenience.   Sincerely,       Michael [redacted] General Counsel

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
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.

June 23, 2017 Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Ste. 1200 Houston, TX 77027   Re:      Complaint No. [redacted]             Complainant – [redacted] To Whom It May Concern:...

  The purpose of this correspondence is to resolve the above-referenced complaint. I appreciate the opportunity to provide assistance on behalf of FMA Alliance, Ltd. (“FMA”). I have investigated the matter and would like to share our results.   Pursuant to a thorough review of FMA’s records, FMA did attempt to contact Mr. [redacted] at the telephone number he has listed ending in 3709.  However, none of our attempts were answered and therefore FMA never received notice to cease telephone calls to Mr. [redacted], nor did we receive notification that Mr. [redacted] wished to communicate via mail only.  Further, our records show we did send written communication to the same address listed on Mr. [redacted]’s complaint on June 5th, 2017.  Per Mr. [redacted]’s request, I can confirm the telephone number ending in [redacted] has been added to our internal Do Not Call ("DNC") list, and that Mr. [redacted] will not receive any further telephone communications from FMA and any further communications will be made by mail only.   FMA regrets any inconvenience Mr. [redacted] may have experienced and sincerely hopes this response resolves Mr. [redacted]’s concerns.  If you have any additional questions regarding this matter, please contact me at 1-800-955-5598.     Kind regards,     Michael K[redacted] General Counsel