Fort Wayne Neighborhood Housing Partnership

I am not sure where Mr [redacted] is getting his numbers We have two accounts in our office One is for $and the other is for $ They are both from the same provider.If Mr [redacted] would like for us to offer the discount again we can do so We will credit Mr [redacted] and update his credit report as "Settled in Full" instead of "Paid in Full" Again, per FCRA we can't remove the account from his credit I hope this satisfies Mr***[redacted]

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 For your reference, details of the offer I reviewed appear below The statement provided by the business is not entirely trueThe truth is they had not contacted me for a long timeIt was through my initiative that contact was madeI asked about a discount and at first they stated I could have one lowering it to approx$When it came time to give them the CC number I hesitated and asked if they would remove the derogatory remark from my credit, when they said no I decided not to pay them and got off the phoneAbout four days later I decided to pay anyway except this time they were deliberately harrassing me by voiding the discount and raising the price back to $Then they added another $to the bill and asked for a total of approx$After I gave the CC number then the girl told me she was also going to add another 3%I felt this was completely wrong as they had already stated the total before I gave my CC numberThen once they had my number they jack the bill up another 3% and of course I had no say in the matterI believe this tactic is illegalSince that time no receipt was ever sent to me, even after I asked for one I still have not received a receipt proving payment [redacted] Credit intially showed the account re-adjusted to a zero balance, but then before two weeks were up the $balance reappeared on my credit historyThe only thing [redacted] could tell me was that this company in question had been in contact with [redacted] again of July 14th which was around the time the balance reappearedSo I have gotten screwed because they jacked the amount up on me to $186.32, lying about the amount then charging my card for a higher amountLastly they made the balance of $show up on my credit history again after I paid it off in fullMy last phone call there I was immediately switched to the supervisor and was told that he had to speak to me only because I had filed a complaint with the Revdex.comHe said he would not discuss anything with meSo even though I did the right thing and contacted them and paid my bill, I still to this day have a negative balance of $on an account that was paid in full If this gentleman really wants to do good, then he should remove this balance from my credit historyHe should also send me a receipt showing the amount of $paid on this account on June 29th Regards, [redacted] ***

[redacted] I do apologize for this inconvenience Our company did submit this for deletion on December 1st, We do not know why [redacted] did not delete it We contacted them and had the item removed again We do have proof that it was submitted for deletion in Again, I apologize for any issues that may have arisen from this.If you have any further questions please do not hesitate to contact me directly[redacted] President [redacted] ***

Mr***,I think you might have the wrong company We have no record of speaking with you Can you please call our office at *** *** *** so we can discuss?Thank you

Ms***,We have been trying to reach you for some time We believe these accounts are yours and will mail proof of the debts today to your address listed Please contact us at *** ext*** so we may resolve this matter. Thank you

Mr***,We have no record of ever speaking with you regarding this account. We have no record of it ever being paid. We attempted to send you correspondence but it came back as mail return. We attempted to call the phone number provided but it was disconnected.Please
contact my office to resolve this immediately.*** *** ***

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

We are in receipt of complaint ID# *** We received a phone call from an individual regarding this account on January 6th, The individual calling was inquiring about the account but refused to provide information so we may verify the identity of the individual, such as the
last four of his social or birth date He became very agitated when we refused to give detailed information about the account in question Unfortunately we are unable to provide certain information about our accounts without verifying the identity of the individual we are speaking to per FDCPA and HIPAA. Per the request in the complaint we have mailed out a validation of the debt to the address on the account.It is my hope this resolves this matter to the consumer's satisfaction.Sincerely,Mark S***

I will get you proof of the debt. We will put that in the mail today. The total balance will show there were self pay charges of $179.92. This was sent to you previously.You can also contact your insurance company and ask for an Explanation of Benefits. That will also reflect the total balance.I will credit you back the discount previously offered and report to your credit report as "Settled in Full" instead of "Paid in Full". You should be aware that "Paid in Full" looks much better on your credit than "Settled in Full". Again, we are unable to remove this from your credit. I'm not sure what other collection agencies you dealt with in the past, sounds like plenty, but according to FCRA we just can't remove a legitimate debt without a reason.It is my hope this satisfies your complaint. Thank you,*** ** ***

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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved I show accounts on my Transunion report that are showing openIf additional details are required please let me knowI also appreciate the timely response
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
It's pretty obvious that these guys know they have been uncovered as the rats they are.They say they can't remove the report, yet the last two accounts I settled with immediately offered and did in fact remove the deragatory remarks Even though they are paid in full the credit company still lists them as a derogatory account So I know they are lying when they say they can't do it.Now he's saying they bare two accounts If that is so then why did he add them both together and tell me the charge was $and change Then once I gave them my credit card they then announced they were going to hit me for another 3% That is completely unethical to tell someone the total charge take their CC and then announce they are going to hit them up for more You know as well as I do that is completely dishonest.I will make their problems go away and even say something nice about them if they remove the dreogatory remark completely from my credit history As long as they continue to play this game and tell me it's impossible which I very well know it's not, there is no dealI am retired and can donate many hours a day to making their lifes miserable.PS I will take the discount as well
Regards,
*** ***

Mr. [redacted],We show a total of nine accounts but we reported them to the bureaus as bankrupt in May 2016. Please let me know which credit bureau show them open and I will get it resolved immediately. Mark S[redacted] President

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.  For your reference, details of the offer I reviewed appear below.
The statement provided by the business is not entirely true. The truth is they had not contacted me for a long time. It was through my initiative that contact was made. I asked about a discount and at first they stated I could have one lowering it to approx. $134. When it came time to give them the CC number I hesitated and asked if they would remove the derogatory remark from my credit, when they said no I decided not to pay them and got off the phone. About four days later I decided to pay anyway except this time they were deliberately harrassing me by voiding the discount and raising the price back to $160. Then they added another $19 to the bill and asked for a total of approx. $179. After I gave the CC number then the girl told me she was also going to add another 3%. I felt this was completely wrong as they had already stated the total before I gave my CC number. Then once they had my number they jack the bill up another 3% and of course I had no say in the matter. I believe this tactic is illegal. Since that time no receipt was ever sent to me, even after I asked for one I still have not received a receipt proving payment. [redacted] Credit intially showed the account re-adjusted to a zero balance, but then before two weeks were up the $160 balance reappeared on my credit history. The only thing [redacted] could tell me was that this company in question had been in contact with [redacted] again of July 14th which was around the time the balance reappeared. So I have gotten screwed because they jacked the amount up on me to $186.32, lying about the amount then charging my card for a higher amount. Lastly they made the balance of $160 show up on my credit history again after I paid it off in full. My last phone call there I was immediately switched to the supervisor and was told that he had to speak to me only because I had filed a complaint with the Revdex.com. He said he would not discuss anything with me. So even though I did the right thing and contacted them and paid my bill, I still to this day have a negative balance of $160 on an account that was paid in full.  If this gentleman really wants to do good, then he should remove this balance from my credit history. He should also send me a receipt showing the amount of $186.32 paid on this account on June 29th.
Regards,
[redacted]

We would like to respond in more detail but are unable as this is a public forum. Please contact our office.

I am not sure where Mr. [redacted] is getting his numbers.  We have two accounts in our office.  One is for $19.92 and the other is for $160.00.  They are both from the same provider.If Mr. [redacted] would like for us to offer the discount again we can do so.  We will credit Mr. [redacted] and update his credit report as "Settled in Full" instead of "Paid in Full".  Again, per FCRA we can't remove the account from his credit.  I hope this satisfies Mr. [redacted].[redacted]

The amount was for $271.00. Yes, I did call in and spoke to a woman. Rude as can be. My notes from that...

time frame are missing because my notebook was stolen (long story). After I hung up with your company I turned around and reached out to Yavapai Regional and talked to Trish over there who is a supervisor. She advised me you guys were sent the wrong address because they did not have the correct one form the get go. I also saw that someone from your company looked at my LinkedIn page today. Not exactly sure what you are looking for on there. The person in friends with my brother in-Law John Fournier. If I call you am I going to get the same run around? I am willing to pay my bills if your company is willing to remove it form my credit.

Delivery Financial Services, LLC (DFS) is in receipt of the above reference complaint flied by Mr. [redacted].DFS was referred the account in question from our client on August 14th, 2014. After numerous attempts to contact Mr. [redacted] the account was reported to Mr. [redacted]'s credit on October 1st,...

2014.Mr. [redacted] contacted our office on June 22, 2015 inquiring about the account. Mr. [redacted] requested an itemized statement and this was provided to him.On June 26th, 2015 Mr. [redacted] called our office and said he would pay the balance in full if we removed the account from his credit. We advised Mr [redacted] that we would accept payment in full but we are not permitted to remove the account from credit per the Fair Credit Reporting Act (FCRA). Mr. [redacted] then asked to make a settlement. We offered Mr. [redacted] a settlement but advised him his credit report would be reflected as "Settled in Full" and not "Paid in Full".On June 29th, 2015 Mr. [redacted] called in paid the balance in full.On July 1st we reported to the credit bureaus that Mr. [redacted] paid his balance in full.On July 20th, Mr. [redacted] again called our office and demanded the account be removed from the credit bureau entirely. Once again we advised Mr. [redacted] we are unable to remove the account per FCRA, If you have any further questions regarding this matter please do not hesitate to contact me.

[redacted]
I do apologize for this inconvenience.  Our company did submit this for deletion on December 1st, 2011.  We do not know why [redacted] did not delete it.  We contacted them and had the item removed again.  We do have proof that it was submitted for deletion in...

2011.  Again, I apologize for any issues that may have arisen from this.If you have any further questions please do not hesitate to contact me directly.[redacted]President[redacted]