Gatestone &

We are in receipt of the complaint filed with the Revdex.com in regards to an account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response: An account under your name was assigned to our...

office on August 11, 2014 by [redacted] for collections. The last letter was issued and sent to the address mentioned above on October 24, 2014. As per your complaint your phone numbers ###-###-#### and ###-###-####, was added to our internal "Do Not Call List" and you will no longer receive calls from our office. However we would like to offer you to speak to one of our Managers, [redacted] directly at ###-###-#### and discuss any questions or concerns you may have or a payment arrangement that is best suited for you.  In regards to your recent experience with Gatestone & Co., we would like to take thisopportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

We are in receipt of the complaint filed with the Revdex.com in regards to an  account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response:An account under you name was assigned to our...

office on November 11, 2014 by [redacted]  for collections. A letter was issued and sent to the address mentioned above on November 12,2014. A review of our records indicate that the collector, Mr. [redacted] did not conduct himself in a professional manner and has since received immediate retraining of our company's  policies and procedures. As a third party vendor of [redacted] Communications, Gatestone & Co. has the authority to request a copy of your credit report in trying to recover any unpaid debt owed on behalf of [redacted]. We would be pleased to offer you to speak to our Associate Vice President, [redacted] directly at ###-###-#### and discuss a payment arrangement that is best suitedfor you.In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

See Attached.

[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.]

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

Regards,

[redacted]

We are in receipt of the complaint filed with the Revdex.com in regards to anaccount placed with our office. Our Compliance Department has reviewed the complaintwith our Manager and offer the following as our response:An account under your name was assigned to our office on March 2, 2015...

by [redacted] for collections. The last letter was issued and sent to the address mentionedabove on April 4, 2015. We have reviewed our records and found that the representativeyou were speaking with conducted herself in a professional manner during theconversations. However, they failed to follow Gatestone's escalation and disputeresolution policies and have received retraining since.In addition, all phone numbers relating to your account has been added to our internal"Do Not Call List" and you will no longer receive calls from our office and your accountwas coded as dispute and was forwarded to [redacted] for review.If you have any additional questions or concerns, please contact one of our Managers,[redacted] directly at ###-###-#### Ext. [redacted].In regards to your recent experience with Gatestone & Co., we would like to take thisopportunity to formally apologize for any inconvenience and misunderstanding that thisrecent incident with our office may have caused .

Dear Ms. [redacted],We are in receipt of the complaint filed with the Revdex.com in regards to an account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response:An account under your name was assigned to our...

office on May 17,2012 by [redacted] for collections. The last letter was issued and sent to the address mentioned above on May 1,2015. We received a call from you on March 10, 2015 where a monthly payment arrangement of $50/month was set with our office. A recording was completedto our payment office, where you provided us with verbal authorization to deduct thefunds on the dates you specified. During the conversation, you were advised by our representative that $50 payments are also being made to [redacted] directly. On April 30, 2015 we received a call from you where you stated that the payment dates were incorrect. A recording was completed and the dates of the payments were changed withyour verbal authorization.As per your complaint, we have deleted all postdated checks with our office and no futurepayments will be withdrawn from your account. In addition, we do not have any control over the overdraft fees you are being charged by your banking institution and we are unable to reverse them.If you have any additional questions or concerns, or would like to discuss a payment arrangement, please call [redacted] directly at [redacted] x [redacted] In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.[redacted]Associate Vice President

We are in receipt of the complaint filed with the Revdex.com in regards to anaccount placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response: An account under your name was assigned to our office on December...

4,2014 by [redacted] for collections. As per your request, all phone numbers relating to youraccount will be added to our internal "Do Not Call List" and you will no longer receivecalls from our office. However, we would like to offer you to speak to our Manager [redacted] directly at [redacted] and discuss any concerns you may have in regards to your account or a suitable payment arrangement. In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

Dear Ms. [redacted], We are in receipt of the complaint filed with the Revdex.com in regards to an account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response: An account under your name...

was assigned to our office on January 6, 2014 by University of Phoenix for collections. Our records indicate that our first contact with you was on May 8, 2014; during this call you agreed to set-up a series of $50 payments for four months, the last of these payments was scheduled for August 14, 2014. It was our understanding , we would contact you after the final payment to work out arrangements on the remaining balance. Our records indicate that no calls were made to you while these scheduled payments were set-up.After the final scheduled payment, as per our previous agreement we attempted to make contact; once on August 14th, August 15th and August 19th. Our records indicate, we spoke on August 19, 2014 and set-up three additional $50 payments that would end November 7, 2014. The November 7th payment declined. In an effort to address the missed payment we called you on November 25, 2014. It was at this time you explained to the agent that you were unable to pay until December 4, 2014. Our agent explained to the customer that your account could be pulled from our office by University of Phoenix before then as there had not been a payment since October 10, 2014. You indicated you could not do anything else and scheduled a $20 payment for December 4th. University of Phoenix recalled the account from our office on December 1, 2014. Gatestone has made no calls to your number since November 25, 2014 and only made a total of five calls to your number over the course of eleven months. Any calls being received at this time is from another companyIf you have any further inquires please contact the University of Phoenix.Yours truly,[redacted]Associate Vice President

We are in receipt of the complaint filed with the Revdex.com. Our Compliance Department has reviewed the complaint with our Manager and would like to offer the following response. An account under your name was assigned to our office on July 26,2014 by [redacted]...

for collections. The last letter was issued and sent to the address mentioned above onSeptember 29, 2014. As per your complaint, the phone numbers [redacted] and [redacted] was removed and added to our internal "Do Not Call List" and you will no longer receive calls from our office. However, we would be pleased to offer you to speak to one of our Managers, [redacted] at [redacted] ext [redacted] and discuss a payment arrangement that is best suited for you. In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

Please see attached document.

Dear Mr. [redacted],We are in receipt of the complaint filed with the Revdex.com. Our  Compliance Department has reviewed the complaint with our Manager and would like to offer the following response.An account under your name was assigned to our office on November 7,...

2014 by [redacted] for collections. A letter was issued and sent to the address mentioned above on November 10, 2014. As per your complaint, the phone number ###-###-#### has been added to our internal "Do Not Call List." In addition, we will be pleased to offer you to speak to one of our Managers, [redacted] at [redacted] Ext [redacted] and discuss a payment arrangement that is best suited for you.In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

Dear Mr. [redacted],

We are in receipt of the complaint filed with the Revdex.com in regards to an account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response:

An account under...

your name was assigned to our office on July 16'h, 2014 by University of Phoenix for collections. A balance letter was issued and sent to the address mentioned above on July 18th, 2014. The representative was following standard policies and verification procedures when they attempted to verify information. These policies are in in place to protect your privacy and to ensure that personal information is not disclosed to third parties.

In addition, your phone number ###-###-#### has been added to our internal 'Do Not Call List' and you will no longer receive calls from our office. However, if you wish we would like to offer you to speak to one of our Managers and discuss the matter. Manager's information is as follows ###-###-#### Ext. [redacted].

In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

Yours Truly,

Associate Vice President

Dear [redacted],

We are in receipt of the complaint filed with your office by [redacted]. Our Compliance Department has reviewed the complaint with our...

Manager and would like to offer the following response.

As per your complaint, you have escalated the matter to [redacted] for review and the collection efforts have been discontinued.

We formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused [redacted].

If you have any further questions or concerns please contact me toll free at [redacted]

Yours truly,[redacted]

Associate Vice President

We are in receipt of the complaint filed with your office by Mr. [redacted]. Our Compliance Department has reviewed the complaint with our Manager and would like to offer the following response.

On June 5, 2013 an account was placed in our office by our client Bank of Montreal [redacted] for...

Mr. [redacted] with an outstanding balance of $1676.28. Our first contact with Mr. [redacted]  was on February 6, 2014 when the consumer made an inbound call to Gatestone. Our collector [redacted] who handled the call informed Mr. [redacted] that the balance had increased to $1926.88 due to interest accumulation. Mr. [redacted] offered Mr. [redacted] a settlement amount of$1327.00 which was accepted.

Mr. [redacted] called our office back on February 10, 2014 to confirm that he had made an online payment for the amount of $1327.00. The collector confirmed the payment was received and the account was closed as of February I 0, 2014; also that the release letter would be sent thirty days after the payment had cleared. The release letter was sent out on March 13, 2014 by our automated system.

On March 25 and April 8, the consumer called our office requesting the settlement release letter as he stated he had not received it. Upon further review, the collection manager, [redacted], noticed the address of the consumer was not correctly entered into the address field.  The apartment number 208 was entered partially on one field and therefore was an incomplete address.  Mr. [redacted] corrected the address on April 8.  On May 12,2014 we issued another settlement release letter to the corrected address, it should be received shortly.

We formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused Mr. [redacted].

Sincerely,[redacted]

Associate Vice President

Gatestone & Co. International Inc.

Dear Ms. [redacted]: 

We are in receipt of the complaint filed with your office by Ms. [redacted]. Our Compliance Department has reviewed the complaint with our Manager and would like to offer the following response. 

On December 30, 2013 an account was placed in our office by...

our client for Ms. [redacted]. The phone number ###-###-#### was provided with the account by our client as a contact number for Ms. [redacted]. 

As per the complaint received, the phone number ###-###-#### has been removed from our system. The number has also been placed on our internal "Do Not Call List". 

Please note that this account is no longer with our office. 

We formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused Ms. [redacted]. 

Sincerely, 

Associate Vice President

[redacted] & Co. International Inc.

We are in receipt of the complaint filed with the Revdex.com in regards to an account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response:An account under your name was assigned to our office on December...

23, 2014 by [redacted]. The last letter was issued and sent to the address mentioned above on February 11, 2015. In regards to your complaint regarding the call from February 18,2015, the representative was unaware that there was a call on his line and the call dropped unexpectedly. In addition, all phone numbers related to your account were added to our internal "Do Not Call List" and you will no longer receive calls from our office. However, we would be pleased to offer you to speak to one of our Managers, [redacted], directly at [redacted] and discuss a payment arrangement that is best suited for you, In regards to your recent experience with Gatestone & Co" we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

The response was mailed to the consumer on January 6, 2016.
Please see response attached.
 
Regards,
 
Maria C[redacted] on Behalf Bashrat Rafa

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

Regards,[redacted]

Dear [redacted]: We are in receipt of the complaint filed with your office by [redacted]. Our Compliance Department has reviewed the complaint with our Manager and would like to offer the following response: Gatestone placed calls in a good faith effort to collect...

on an account that was placed with Gatestone for collection on January 30,2014 in the name of [redacted] When this account was placed for collection, our client provided [redacted] as a work number. As we were unable to make contact at the home number, we then called the work number provided by our client.  Our records do not indicate that a cease and desist was received from [redacted].Our records indicate that only one contact was made with the consumer on March 12, 2014. During the call of March 12, 2014, our collector [redacted] spoke with [redacted] and informed [redacted] of the outstanding debt and asked of her intent to pay the debt. [redacted] stated she would attempt to make the payment next week. [redacted], suggested to the consumer that she could setup an ACH payment for the end of the month to afford the consumer both time and convenience:[redacted] stated she would prefer to mail in the payment the next week and requested the address for the company. Our collector gave the full and correct address of [redacted]. Our records do not indicate that the consumer insisted that a cheque be provided immediately, nor did [redacted] indicate to the collector she had any financial limitations. In response to [redacted]'s complaint, Gatestone has added phone number [redacted] to Gatestone's internal "Do Not Call List." We would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.If you have any further questions or concerns, please contact [redacted] directly at [redacted].

Dear Ms. [redacted],

We are in receipt of the complaint filed with the Revdex.com in regards to an account placed with our office. Our Compliance Department has reviewed the complaint with our Manager and offer the following as our response:

An account under...

your name was assigned to our office for collections on January 31, 2014 by [redacted]. As you had indicated, the $241.48 payment was made and you diligently wrote our account number on the face of the check, but the first two numbers of the account were missing. Because of this omission, our accounting staff searched the wrong database and could not locate your account. As a result, your payment was posted to the Suspense Account pending the receipt of additional information. The payment of $241.48 was successfully located and applied to the account. As of October 2, 2014 the account has been closed with Gatestone as paid in full. A release letter was issued and is attached to this letter for your reference.

In regards to your recent experience with Gatestone & Co., we would like to take this opportunity to formally apologize for any inconvenience and misunderstanding that this recent incident with our office may have caused.

If you have any further questions or concerns, please contact [redacted] (Associate Vice President) directly at ###-###-####  Ext ####.