General Revenue Corporation

Per the consumer’s request, we have had a member of upper management attempt to contact the consumer at the telephone number provided in the request for additional information. Unfortunately, after several attempts since receiving this request, we have been unable to make contact with the consumer. The consumer may contact our office and request to speak to a member of management at any time. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the Customer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response.

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]

Revdex.com:
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
The response from General Revenue does not satisfy the issue at hand. The response contains fifteen (15) sentences: six (6) sentences contained a historical summation of the account (which included no new information) and one (1) sentence that directed me to contact the "client" about the matter. The remainder of the response was, well, legal babble and "fluff." It's a tad insulting to me that after I spent such a significant amount of time on dealing with this problem, all General Revenue did was send such a generic, and extremely unhelpful, response. That being said, the obvious question is what exactly did General Revenue do to help resolve the problem? No new information was given, no updates were offered, and the response questionably omitted any mention of my discussion with the supervisor at General Revenue. This is quite odd because that discussion was a pivotal point in the history; he was supposed to contact the client and return my call, which he did not. What happened with that situation? Why did that get left out of the response?The response at one point mentions that I should contact the "client" to discuss the issue, to which I reply, "Why?" The client is not doing the reporting, General Revenue is. The client would not have any access or ability or authority to update, change, delete, or take any other action on an account reporting to the credit bureaus by a third party; in this case, General Revenue. I've contacted the client; they told me the account would get deleted from my credit reports after I paid it. What else is there to discuss with them?As I already stated, if there is a conflict regarding the client telling consumers something contrary to what the agreement between the client and General Revenue states, then that is something that should be dealt with between the client and General Revenue. I don't need a lesson in credit reporting and the FDCPA; I'm well-enough up to speed on the ins and outs of that; what I need is some help, some answers.At this point, I'd like to know:What transpired with the supervisor contacting the client about the issue? Why was I not called-back? Why did this not get included in this response?Why would I contact the client about the problem when the problem is how General Revenue is reporting the debt? I need further explanation about this.Specifically, what steps have been taken by General Revenue to, at the very least, attempt to resolve this issue? 
Regards,
[redacted]

July 27, 2016Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202Complaint ID [redacted]Dear [redacted],We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint ID [redacted]. We have received and reviewed the correspondence...

received regardingthe consumer and provide the following response:Upon receipt of the complainant’s concerns identified through the Revdex.com, we commenced aninternal investigation. The complaint included a single telephone number which we found tohave been called one time. Our systems have been programmed to prevent future outbound callsto the provided telephone number, as well as phone numbers believed to belong to thecomplainant. In the event the complainant receives calls to any number not provided in thecomplaint, we ask the complainant to notify us immediately so we can add system blocks forthose numbers as well.We appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the complainant’s privacy, and non-public information from beingviewed by third parties. In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the complainant in question. Therefore, because of thepossibility that the complaint and our response may be publicly posted on the Revdex.com website, wehave omitted all nonpublic, personal information regarding from our response.

Dear [redacted]: We thank the Revdex.com (Revdex.com) for
the opportunity to investigate and respond to complaint #[redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: On May 12, 2016, our company sent notice to the consumer
reporting agencies to have the complainant’s negative trade line removed
pending our client’s thirty-day validation period. This thirty-day validation
period was initiated on April 20, 2016, after our company reissued an initial
validation notice to the complainant’s address provided on the original
complaint correspondence submitted through your office. To date, no mail return
notifications have been received for this correspondence. On May 13, 2016, the complainant contacted our office and
agreed to set up a payment arrangement on the account. If the account is not
resolved in full prior to the expiration of the validation period, the
complainant’s credit report will be updated to reflect the disputed loan(s) as
follows: Completed
investigation of FCRA dispute — consumer disagrees This narrative will
be reflected on the complainant’s credit report for each open account included
in the complainant’s dispute and will be included with our next update to the
consumer reporting agencies on June 1, 2016. If the complainant wishes to have
this narrative removed from the credit report, she is encouraged to write to us
at [redacted]. This correspondence should
include the complainant’s name, address, account/loan number(s), and indicate
the complainant’s wish to have the dispute narrative removed from the credit
report. The previously requested validation documents, which were
sent on April 20, 2016, along with an initial validation notice, should have
already been received by the complainant. If these documents were not received,
the complainant is encouraged to contact our office, at [redacted], so we may
assist her in updating the information on file and resolving this matter. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public
information from being viewed by third parties. Pursuant to section 805(b) of
the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without
the prior express consent of the consumer given directly to the debt collector,
or the express permission of a court of competent jurisdiction, or as
reasonably necessary to effectuate a post judgment judicial remedy, a debt
collector may not communicate in connection with the collection of any debt,
with any person other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor, the attorney of the
creditor, or the attorney of the debt collector.” In addition, there may be
other federal and/or state privacy laws that apply to release of information
regarding the consumer in question. Therefore, because of the possibility that
the consumer’s complaint and our response may be publicly posted on the Revdex.com
website, we have omitted all nonpublic, personal information regarding the
consumer from our response.

February 14, 2017Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Suite 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tofile number [redacted]. We received and reviewed the correspondence...

regarding the consumerand provide the following response:Thank you for expressing your concerns to our office. We have investigated your complaint andalso documented your written directions with respect to communication regarding your account.Our office does wish to provide assistance and we invite you to contact us directly. Our calls arenot intended to harass and our record does not show harassing behavior or a pattern of calls thatexhibit an intention to harass. However, we also understand your specified needs concerningcommunication and we sincerely wish to help you resolve the matter with our office at the mostconvenient time to you. We can offer you a scheduled appointment.We will continue to send written correspondence regarding the account to the established addressin compliance with all Federal, State, and Local laws and regulations. Additionally, theconsumer may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that theconsumer’s complaint and our response may be publicly posted on the Revdex.com website, we haveomitted all nonpublic, personal information regarding the consumer from our response.

November 22, 2016Cincinnati Revdex.comAttn: [redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to therebuttal submitted for complaint ID [redacted]. Our office received and reviewed thecorrespondence regarding the complainant and provides the following response:Our office has received correspondence submitted by the complainant via the consumer reportingagencies, which documented the information required to verify the complainant as our intendedparty and prevent the possibility of an unauthorized disclosure. We may now address thecomplainant’s concerns.On May 11, 2016, our client placed the complainant’s personal business matter in our office. OnMay 13, 2016, our office mailed an initial validation notice to the complainant’s address on file.As no mail return notice, nor response from the complainant was received, our company proceededto handle the personal business matter per our client’s policies. Our records indicate, despitemultiple contact efforts – both written and verbal – our office has not yet had the opportunity tospeak with the complainant. Our client was notified of the complainant’s documentation request;upon receipt of these documents, our office mailed the information to the complainant onNovember 21, 2016.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the complaint and our response may be publiclyposted on the Revdex.com website; we have omitted all nonpublic, personal information from ourresponse.

We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Our client placed the consumer’s account with our office on October 22, 2014....

The trade line was reported to the three major credit reporting agencies after the account had remained with our office for sixty (60) days. After the client recalled the account from our office, we appropriately notified the credit reporting agencies to delete the trade line. We acknowledge the consumer communicated with our office on July 6, 2016. Upon review of the call recording, we find our representative accurately explained our credit reporting standards pertaining to this account. The consumer was notified the trade line would be removed from her credit reports as a result of the client’s account recall, the deletion would be completed no later than the 1st of the upcoming month, and the requested account status letter could not be generated as we no longer serviced the matter. Additionally, our records indicate the last letter our office mailed to the consumer was dated June 28, 2016. The letter was mailed prior to the account being closed from our office and before the July 6th conversation. In closing, we apologize for any misunderstanding. We have confirmed the trade line has been deleted resulting from the account being closed in our office due to the client’s account transfer. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.

February 5, 2015 Cincinnati Revdex.com Attn: [redacted] 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 File Number: [redacted] Dear [redacted]: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We have received and reviewed...

the correspondence received regarding the consumer and provide the following response: Upon receipt of the complainants concerns received on January 27, 2015, our systems were programmed not to dial the phone number in the future. Unfortunately, as our representatives did not receive authorization from the consumer, information regarding the nature of the call could not be disclosed to the complainant or her parents. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.

July 28, 2016Cincinnati Revdex.com[redacted]
[redacted]
[redacted]
[redacted]
[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted]. We have received and reviewed the...

correspondence regarding thecomplainant and provide the following response:Our office called the complainant’s phone number in an attempt to reach someone with a similarname as the consumer. Until the receipt of the complainant’s concerns through your office, wewere unaware the number being dialed was incorrect.Upon receipt of the complainant’s concerns, our systems were programmed not to dial the phonenumber. We appreciate notification of the matter and apologize for any inconvenience this mattermay have caused.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the consumer’s complaint and ourresponse may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response.

November 19, 2014
Cincinnati Revdex.com
[redacted]
7 West 7th Street, Ste. 1600
Cincinnati, OH 45202
File Number: [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint [redacted]. We have received and reviewed the correspondence regarding the consumer's additional concerns and provide the following response:
We apologize for the consumer's frustration with the matter we previously responded to. Our office has no control over telephone calls made to the consumer by other companies. Upon receipt of the consumer's original concern, our office programmed our systems to ensure he did not receive any further calls from our office. Our office has not attempted to contact the consumer since that date and we consider this matter closed.
We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the customer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.

January 14, 2016Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence from...

your office regarding the consumer andprovide the following response:On July 31, 2012, our client placed the consumer’s account in our office for collections. On August 02,2012, a 30 Day Validation Notice was sent to the consumer via regular mail. Records do not indicate thisnotice was returned via mail return.On December 17, 2012, we reported this account as delinquent to the three major credit reportingagencies. On May 24, 2013, we received notification of this account being paid in full. On May 24, 2013,as a result of the account being paid in full, the account was returned to the client. On May 25, 2013,complying with our obligations under both the FDCPA and FCRA, we reported this account as paid infull to the three major credit reporting agencies. As required by the FCRA, the consumer’s account willremain with the credit reporting agencies for a period of seven (7) years from the date of delinquency.While we acknowledge the consumer’s concerns we have not violated any provisions of the FCRA andFDCPA and will not be making any trade line deletions to the consumer’s credit report.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. Should the consumer have questions and/or concerns regarding the account, shecan contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. Wealso understand the Revdex.com may or may not publish the consumer’s complaint and our responses on theRevdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from being viewed bythird parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. §1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the Consumer’s complaintand our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personalinformation regarding the consumer from our response.

[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.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. Although my complaint against the company still stands, I will have to do further research to see exactly which district office was making the telephone calls. You may close this complaint and I will make any future complaints when the correct information if determined. Thanks for your help.
Regards,
[redacted]

February 3, 2015 Cincinnati Revdex.com Attn: [redacted] 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 File Number: [redacted] Dear [redacted]: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We have received and reviewed the correspondence regarding the consumer and provide the following response: On January 20, 2015, our representative spoke with the complainant while attempting to contact another party. Our representatives were unable to disclose the nature of the call to the complainant without the proper authorization. Upon receipt of the consumer's concerns identified through Revdex.com, our systems were programmed not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.
Revdex.com[redacted]
[redacted]
[redacted] **   [redacted]
Dear [redacted] :
This message is in regard to your concerns submitted on 1/21/2015 1:10:27 PM against General Revenue Corporation.  Your complaint was assigned ID [redacted].  We received the business's response to your concerns, and you can find the contents of the message below or attached.
To assist us in bringing this matter to a close, we would like to know your view on the matter. 
     * Has the company addressed the issues of this dispute? 
     * If not, why? 
     * Has the company met the agreement they outlined in their response?
Please submit your thoughts via online system, fax or mail within 7 days. 
The text of your complaint may be publicly posted on Revdex.com's web site (Revdex.com reserves the right to not post in accordance with Revdex.com policy). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. Revdex.com may edit your complaint to protect privacy rights and to remove inappropriate language.
Your complaint will be made part of the company's Revdex.com Business Review.  If we don't hear from you, your complaint will be reflected as "resolved."  Should you have any questions or further concerns, please do not hesitate to contact us.  We would be glad to assist you. 
Regards,
[redacted] Marketplace Resource Consultant l[redacted] 
Phone: [redacted]
MESSAGE FROM BUSINESS:
February 3, 2015 Cincinnati Revdex.com Attn: [redacted] 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 File Number: [redacted] Dear [redacted]: We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We have received and reviewed the correspondence regarding the consumer and provide the following response: On January 20, 2015, our representative spoke with the complainant while attempting to contact another party. Our representatives were unable to disclose the nature of the call to the complainant without the proper authorization. Upon receipt of the consumer's concerns identified through Revdex.com, our systems were programmed not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.
Revdex.comInternal ComplianceGeneral Revenue Corporation [redacted]
[redacted]  **  [redacted]
 
 
Dear Internal Compliance:
This message is regarding complaint ID [redacted] submitted to Revdex.com about your business on 1/21/2015 1:10:27 PM by [redacted] .  
Since your customer has not submitted any comments to that response, we will assume that this matter has been resolved and will close this case accordingly.  We may reopen this case if your customer contacts us at a later date with additional concerns.
In addition to complaint information, Revdex.com Business Reviews also include basic background information about businesses.  This data is used to calculate a letter grade rating for your business.  This may be a good time to update your information by visiting us online at Revdex.com.org/cincinnati/join/.
Thank you for your cooperation in this matter and for your support of our self-regulatory goal.
Regards,
[redacted] Marketplace Resource Consultant [redacted] 
[redacted]

[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.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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]

July 12, 2017Cincinnati Revdex.comAttn: [redacted]1 East 4th Street, Ste 600Cincinnati, OH 45202File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We received and reviewed the correspondence...

regarding the consumerand provide the following response:On September 19, 2016, we mailed correspondence to the complainant’s last known addressprovided by our client.On April 20, 2017, we received the complainant’s dispute. The complainant stated he wasdisputing the account with our office, but failed to substantiate why he disputes the account.Upon receipt of the complainant’s dispute, we processed the account accordingly and requestedpertinent information from the client. On April 24, 2017, our office mailed validation of debtprovided by our client to the complainant.The complainant does not have a contract with our office; however, the complainant does have acontract with our client. The client contracted our office to service the account when thecomplainant failed to uphold his obligation.Upon review of the file, we find no merit to allegations raised by the consumer. By signing thePromissory Note, the consumer agreed to the terms regarding principal, interest, and penaltycharges assessed to the account. When signing, the consumer indicated reading and agreeing tothe terms of the Promissory Notes and we are unable to adjust the terms.We suggest the consumer contact the office to discuss voluntary payment arrangements.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that thecustomer’s complaint and our response may be publicly posted on the Revdex.com website, we haveomitted all nonpublic, personal information regarding the consumer from our response.

October 21, 2016[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint ID [redacted]. We received and reviewed the...

correspondence regarding the consumerand provide the following response:In response to allegations that we did not contact the consumer, our records show six (6) letterswere mailed to the consumer’s last known address during the period of February 17, 2016through June 15, 2016. None of the aforementioned letters were returned as undeliverable, nordid we receive a response from the United States Postal Service indicating the address was nolonger valid. On June 30, 2016 our office received an initial dispute. The credit bureau trade linewas updated to reflect the disputed status. On September 6, 2016, the balance was updated tosatisfied. Prior to receipt of this complaint on October 7, 2016, our records show severalincoming calls from an unauthorized third party. The caller was notified information could notbe released without the consumer’s express consent. On October 13, 2016 a subsequent creditbureau dispute was received. The consumer acknowledged the validity of the debt was no longerin question. The trade line indicator was updated from disputed to paid in full. The paid in fulltrade line will appear on the credit bureaus for a period of time not to exceed seven years fromthe date of delinquency.In conclusion, we find no merit to allegations raised by the consumer. The credit bureaus havebeen updated timely in accordance with all applicable laws.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act(FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directlyto the debt collector, or the express permission of a court of competent jurisdiction, or asreasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition there may be otherfederal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the Revdex.com website, we haveomitted all nonpublic, personal information regarding the consumer from our response.

Cincinnati Revdex.com Attn: [redacted]
7 West 7th Street, Ste. 1600
Cincinnati, OH 45202
File Number: [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint [redacted]. We have received and reviewed the...

correspondence received regarding the consumer and provide the following response:
On October 5, 2014, our client placed an account in our office. In the process of seeking location information, our representative located a possible telephone number for the consumer. On October 11, 2014, our representative attempted to contact the consumer at the telephone number located. On October 24, 2014, the complainant contacted our office and notified our representatives it was an incorrect contact number.
Our system has been programmed not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience this matter may have caused.
We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer's complaint and our responses on the Revdex.com's website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer's privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), "without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector." In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.

We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We received
and reviewed the correspondence regarding the consumer and provide the
following response: Upon review of the
file, we find that the consumer was asked to notify...

our company in writing that
he did not dispute the matter placed with our office in writing because our
office previously received notification from a consumer reporting agency that
the matter was disputed. To date, this is the only written correspondence we
have received from the consumer regarding the dispute disposition request. Our
office has determined this consumer’s written request through the Revdex.com will be
sufficient to retract the dispute disposition so that our company may now
facilitate a resolution to this matter. In this instance, our company will
submit an update to Equifax, Experian and Transunion requesting to remove the
disputed language from this consumer’s trade line. The consumer should
understand that satisfaction of the account will not remove the delinquent
trade from the consumer’s credit report. However, after paying off the balance,
the account status would be updated to reflect the debt is being reported as a
paid or settled collection account depending on what negotiated resolution our
client will approve for this consumer. Ultimately, Equifax, Experian, and
TransUnion will delete the account based on the Fair Credit Reporting Act
requirements and the date of delinquency we reported. We agree it is our responsibility to attempt to resolve
consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may
not publish the consumer’s complaint and our responses on the Revdex.com’s website. By
posting this information on your website, we believe that the Revdex.com has assumed
responsibility for protecting the consumer’s privacy, and non-public information
from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt
Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior
express consent of the consumer given directly to the debt collector, or the
express permission of a court of competent jurisdiction, or as reasonably
necessary to effectuate a post judgment judicial remedy, a debt collector may
not communicate in connection with the collection of any debt, with any person
other than the consumer, his attorney, a consumer reporting agency if otherwise
permitted by law, the creditor, the attorney of the creditor, or the attorney
of the debt collector.” In addition, there may be other federal and/or state
privacy laws that apply to release of information regarding the consumer in
question. Therefore, because of the possibility that the customer’s complaint
and our response may be publicly posted on the Revdex.com website, we have omitted all
nonpublic, personal information regarding the consumer from our response.

Revdex.com:
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]