General Revenue Corporation

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]

April, 25 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:Our company finds no support for the consumer’s claims after a thorough investigation of ourbusiness records relevant to this matter.Regarding the consumer’s credit reporting concerns, our company reported this obligation toconsumer reporting agencies on April 01, 2017. The age of the debt owed to our company’sclient does not exceed 7 years. As noted by our company’s client records, the account became adebt on January 5, 2011. On May 2, 2017, the debt is scheduled to be reported to the consumerreporting agencies as an open disputed collections account in accordance with our client’saccount placement policies. We suggest the consumer contact the office so we may assist her inresolution.With respect to the consumer’s comments about correspondence, our company’s businessrecords show on February 17, 2017, we mailed an initial validation notice to the address ourclient provided as the consumer’s last known address. Our records also show that attempts tocontact the consumer by telephone have been unsuccessful. On March 27, 2017, a second noticewas mailed to the address we have on record. Our company has not had any mail previously sentto the address contained within the consumer’s file returned as undeliverable. On April 11, 2017,validation of debt documents were requested from our client, and upon receipt, these will bemailed to the consumer’s address.Finally, it should be noted that we hold our employees to high standards of compliance andprofessionalism. Our business records fully support that our company’s collection efforts metthose high standards and complied with all applicable laws and regulations.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 as reasonably 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 [redacted] privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal informationregarding the consumer from our response.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. The response is rejected for several reasons: 1) As previously outlined in my original complaint- this business has never contacted me in any form. 2) The business response verified that only limited information was used to attempt to validate/ substantiate that this debt is mine.  General Rev specifically said that " their client placed this account with a matching name."  That statement further proves that this company did not thoroughly complete due diligence to ensure that they were ultimately damaging the current person's credit.  Additionally, this company has attempted to totally misguide the objective of the original complaint that I placed.  I am not asking for any publicly released information. I am asking that this company delete this information from all 3 credit reporting agencies and from their record, because it is obvious that they did not verify this debt.  By the way, judging from the response it is a fine time to start to practicing the legal method of handling accounts.Again I have no knowledge of this debt, was never contacted - delete this debt from my credit file promptly.      
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.The company is being false. They state that any matters can be resolved via a phone call when each time I or my son called they would not discuss details of my account due to their rules and trade secrets. The company wishes to allay any fears regarding their conduct but has no real proof of sound judgement or actions in resolving this matter until I contacted them. 
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

We thank the RevDex.com (Revdex.com) for the opportunity to investigate and respond to
complaint ID [redacted]. We received and reviewed the correspondence from your
office regarding the consumer and provide the following response: On August 22, 2014, our client placed the consumer’s...

account
in our office for collection. On April 24, 2015, the consumer contacted our
office regarding payment options. The consumer chose to make biweekly payments
in the amount of $300, beginning on May 15, 2015, via automatic withdrawal from
her checking account. On April 24, 2015, the consumer contacted our office to
adjust her payment arrangement. The consumer changed her bi-weekly payment of
$300 to $150 beginning on May 15, 2015. On October 08, 2015, the consumer contacted
our office to make another adjustment to her payment arrangement. The consumer
changed her payments from occurring bi-weekly to being processed on the 16th
and last day of each month. At no point did our representatives inform the consumer her
wages would be garnished as a result of nonpayment. All payments made on this
account were authorized by the consumer; furthermore, a postdated payment
reminder letter was sent to the consumer via regular mail for the consumer’s
scheduled payments that were made to the account. We encourage the consumer to
contact our office directly with any further questions or concerns. 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 # [redacted]. We have
received and reviewed the correspondence received regarding the consumer and
provide the following response: In attempts to
contact a consumer, our office contacted the...

complainant via telephone. On
March 23, 2016, our representative spoke with the complainant. During the
conversation, our representative advised the complainant our office had not
previously spoken with anyone at that telephone number and the telephone number
was marked as a do not call. We 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 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.

See attached document.

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.
Cincinnati Revdex.com
1 East 4th Street, Ste 600
Cincinnati, OH 45202
Complaint Number: [redacted]
Dear Better [redacted]:
I am rejecting the company’s response, because it does not
address my dispute in its entirety. I made it very clear that I had no
knowledge of this company nor the debt that was reported to the Credit Bureau
as a collections item. The company indicated that they had not been able to
reach me and that they had not had the opportunity to discuss the account, yet
the company failed to address my request for removal of the item from my credit
report considering the item, unbeknownst to me, was reported to the credit bureau
in the first place without me first having had the opportunity to address the
matter. Once I have received and reviewed the validation documents, and it is
determined that the debt does belong to me, I will agree to compromise the
indebtedness due the CREDITOR as long as the item is completely removed from my
credit report/file. 
Regards,
[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]

[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 to my knowledge, the business has ceased attempting to contact me.  However, they did contact my employer who told them that they did not have the correct personal identification information for me.I assume that this business is attempting to collect a debt owed by someone with a similar or same name as mine.  Now that General Revenue Corp has been told by my employer that their records are wrong, I hope I assume correctly that they will cease contacting me.I also assume the phone conversation was recorded by GRC.  In the phone conversation, it's easily seen that the employees were argumentative with me on the phone.  I will also point out again that they did not follow correct and legal debt collection procedures.I welcome the Revdex.com to ask for the transcript of that call.
Regards,
[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 complainant and
provide the following response: Upon receipt of the complainant’s concerns identified
through...

your office, our systems have been 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.

January 19, 2017Cincinnati Revdex.com[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 complainant and provide the following response:Our representatives left voice mail messages for a consumer that we believed to be residing atthe complainant’s residence. On January 4, 2017, the complainant contacted our office withconcerns regarding the messages, left for her relative. Our representative advised thecomplainant we could not discuss the personal business matter with her. The complainantrequested no further calls and our representative advised the complainant we would immediatelycease calls to her telephone number. We honored the complainant’s request and have notattempted to contact her telephone number since that day.Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have beenprogrammed not to dial the telephone number in the future. We appreciate your notification andapologize for any inconvenience this matter may 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.

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.
It is not showing as a paid in full collection item as General Revenue is stating it is now showing as if they charged off the account and have a 180+ delinquency now. General Revenue never charged off my account. As stated I would be ok with them showing as a paid in full collection. However to move a open collection into a very delinquent charged off account after it was paid off is uncalled for and punishes those who try and right wrongs. From paying this and how they are now reporting it has dropped my credit score almost 40 points and makes me lose out on buying a home. This only shows and proves to avoid paying collections because you are worse of paying them. I am asking them to show this as a paid collection and remove the deli quincy and charged off statement as General Revenue never charged off my account or remove it as a good faith gesture. I have read through several off these Revdex.com reports and they have done this for people before who it doesn't even seem like they paid theor balance like I had. Again please change the reporting so I can move on with my life and not be continually punished for things I am trying to move on from. 
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 No, its fraudulent and you need to close it asap. The company is aware of this. I wont be contactinh you or paying you. Again, its fraud and the crefit bureaus have the police report. 
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.
Regards,
[redacted]

June 22, 2016Cincinnati Revdex.com Attn: Emily7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 Complaint ID: [redacted] Dear Emily: 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:On February 15, 2016, our client placed the complainant’s debt in our office. Our representatives attempted to contact the complainant via telephone and regular mail. We were unable to speak with the complainant until she contacted our office on June 8, 2016. Our representative explained the status of the debt and we do not remove information reported to the consumer reporting agencies unless we deem the data as being inaccurate. On June 9, 2016, the debt was paid in full. On June 10, 2016, the account was returned to our client. On July 1, 2016, we will report the debt as paid in full-was a collection account, to the consumer reporting agencies. In accordance with the Fair Credit Reporting Act, a paid or settled in full account will remain on an active trade line for a period of time not to exceed seven (7) years from the date of delinquency. As the debt has been satisfied and the account closed, the complainant will need to address her concerns directly to our client. 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 06, 2016 Cincinnati Revdex.com Attn: [redacted] 1 East 4th Street, Suite 600 Cincinnati, OH 45202 Complaint ID: [redacted] Dear [redacted]: We thank the Revdex.com (Revdex.com) for the
opportunity to investigate and respond to complaint ID [redacted]. We have
received and reviewed the...

correspondence received regarding the consumer and
provide the following response: Upon receipt of the complainant’s concerns identified
through Revdex.com, our systems have been 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:
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.
I have contacted General Revenue on several occasions since they took over my loan and we have not been able to come to an agreement . General Revenue want me to sign a promissory note stating I still owe over one hundred thousand dollars on a fifty thousand dollar loan that  I paid on prior to General Revenue receiving the loan in their office.  I've tried but we are just not in agreement with the amount owed on the loan.   I was told prior to getting any assistance they wanted me to agree to the loan amount then make additional payment on top of the garnishment for six months.  Then they will take the loan out of default.  I am experiencing a hardship due to the Student loan and I am challenged every month financially due to the student loan garnishment.  I want to come to an agreement and pay off this loan however I will not sign a promissory note that will put me in further debt for the rest of my life.  That is not working with me to come to a resolution that is trying to bully me into paying on a student loan forever.  
Regards,
[redacted]

[redacted]We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to ID[redacted]. We received and reviewed the concerned...

correspondence and provide the followingresponse:Upon review of the file matching the complainant’s address information, we do not find priornotification from the complainant indicating the mailing address or telephone number wasinvalid for the party with whom we wished to communicate. We had no reason to believe thecontact information provided by our client was incorrect.In conclusion, records do not substantiate excessive calls or harassment as defined by Federal,State, and local laws and regulations. If the complainant wishes to ensure we block his telephonenumber from being contacted, we ask that he contact our office and provide the specific phonenumber so that we may update our systems to avoid calling that number in the future.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. In addition, there may be other federal and/orstate privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal informationregarding the consumer from our response.

Cincinnati Revdex.com Attn[redacted] 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 File Number: [redacted]Dear [redacted] We have previously responded to the consumer's concerns on October 27, 2014, and November 18, 2014. The consumer has not provided any additional concerns in her rebuttal and our position has not changed. Furthermore, 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 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.