Tell us why hereWhen Mr [redacted] called he wanted to pay both account listed above in one transaction on his cardThe supervisor spoke with Mr [redacted] and explained that out system will kick out anything over the amount owed on one particular account and will not allow us to transfer overage to a different accountThis system is designed this way to protect the consumerThe supervisor explained this to Mr [redacted] but he was insistentWe told him that we would make an attempt to do the transaction as he requested but also told him that it might not take the payment that wayThe system did kick out the payment for both accounts together and only took payment for one of themWe tried to discuss other alternatives but nothing was acceptable to Mr [redacted] Both accounts listed above are closed out in our system and have been deleted from his credit fileAll of this happened on 12/28/and 1/3/We were not notified anything about Mr [redacted] trying to get a mortgage until 1/4/
We deny that we have violated any laws in our handling of Mr***’s account The We have been in business since and we are well versed on the requirements placed upon us by the Fair Debt Collection Practices Act (FDCPA), NC Collection Agencies Law Article 70, the Fair Credit Reporting Act (FCRA), other applicable lawsThe dispute letter that we received via fax on February 28, states this Mr [redacted] refuses to pay; which per FCDPA regulations, is the same a cease communications request Mr***’s remark that we marked his account as cease communications to distract the purpose of his complaint is false, as we did respond to his dispute via written communication on March 21, and have addressed each of his Revdex.com complaints If Mr [redacted] would like for us to remove the cease communication from his account, we will mark his account as active Mr [redacted] has questioned our verification of this debt Please note that the Fair Debt Collection Practices Act (FDCPA) does not define “verification.” Yet Section 809(a) (4) (or U.S.C1692g (a) (4)) of the Act requires that “if the consumer notifies the debt collector in writing within the thirty-day period of the first collection notice that the debt, or any portion, is disputed, the debt collector will obtain verification of the debt and a copy of such verification will be mailed to the consumer by the debt collector.” This account was placed with us September 2, so the validation period had already ended when we received his dispute letter on February 28, 2017, however we went beyond the requirements of the law and validated his account The Act places a requirement to provide the consumer with something if the dispute is received in writing within the thirty-day dispute period, but what exactly that something is, however, is unknownThe lack of legislative history, Federal Trade Commission (FTC) interpretations, and court cases has exacerbated the problem of interpreting what is meant in the FDCPA by “verification.” According to the legislative history of the FDCPA, the verification requirement is fulfilled “if the debt collector obtained from the creditor a statement which includes an itemization of the amount of the debt, the name of the consumer, a statement that the debt has not been paid, and a statement that the creditor had either delivered a merchantable product or properly rendered a service.” HRRepNo131, 95th Cong., 1st Sess(1977) All of the required information was mailed to Mr [redacted] on March 21, to the address of CMR 415, Box 6372, Apo, AE Based on all of the information provided, we believe that we have handled the account appropriately The debt has been validated appropriately following all guidelines and the balance on the account is still due If Mr [redacted] would like to discuss the account further, he can contact our office at 1-800-325-
Based on the information provided in Ms [redacted] complaint, I am unable to verify that we have an account in our system Ms [redacted] should contact our office at 1-800-325-for assistance
We received a dispute letter from Mr [redacted] on March 2, requesting a breakdown of charges and a request to cease communication all further communication On March 21, we mailed a breakdown of the charges as requested We also ceased all further communication to Mr [redacted] at that time If Mr [redacted] would like to discuss the account further, he can contact our office at 800-325-
I am rejecting this response because: Now I am very aware of this situationIn this particular case, I advised these people that I had moved to Virginia in November 2012, and did file a proper change of addressI did not receive anything from themThey want to site the Fair Debt Collection Act when it absolutely benefits them, but not when they are lying and threatening people while trying to collect moneyThere was no need for them to put a $negative remark on my otherwise good credit reportThese people are "bottom feeders", and disliked by so manyI will wait the required time for this item to be removedIt does not bother me as much as it appears to bother themThat's why they're always being sued and paying out big settlementsPeople hate them, and do not like cooperating with them for reasons like thisPond sm, plain and simpleThey don't have a good Revdex.com record either as I can see, so I know I am not in errorIf they were so reputable they would have an A or A-plus like so many other decent businessesThey didn't even bother to join youI will promise them this, that God forbid I have to deal with their pitiful behinds in the future, I will apply the Fair Debt Collection Act as well, and give them the absolute minimum the law allows, even it it takes a lifetime! Regards, [redacted] ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because: I never received ANY notices regarding this account (please provide an address in which you sent these notices to and I can provide you with a letter of residency from any of my landlords from that time, the letter in December was NOT sent by me, but by a Credit Repair Organization, in which I no longer do business with due to reasons I will not provide, and the email I sent you was used as Goodwill Intent BEFORE I filed my Revdex.com complaint, in order to give DataMax a chance to make good on their promiseLike I stated before, if you can place something on my Credit Report, you can remove it as wellI will make other arrangements and contact other resources if you cannot provide adequate information as to these notices I "supposedly" received in before the account was placed in collections Regards, [redacted] ***
They have failed to verify or show proof of a contract.assist us in bringing this matter to a close, you must give us a reason why you are rejeThey cting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because: Regards, Kenyeta ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because:The statement given by the third party entity did not address my main concern in my original disputeI am not disputing or asking for debt validation, I am requesting these items be removed from the following credit reporting agencies: Equifax, Experian, and TranUnionThis is on the line of unreasonable publicationThis company, which I hold no contract with nor have received services from, reported a collection account against my social security number in the amount of $with the aforementioned credit agenciesConsidering this business doe not have a contract with me for goods or services they have provided no proof of a signed contract with Data MaxI have agreed to satisfy the balance with the originating companyI demand the business remove the negative report against my SSN at any credit reporting agencyIn addition, the business have no contact in any form with me regarding this account now or in the futureLastly, agree to remove my personal information from all accounts in the companies database Regards, Kendra [redacted]
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]
Tell us why hereWhen Mr [redacted] called he wanted to pay both account listed above in one transaction on his cardThe supervisor spoke with Mr [redacted] and explained that out system will kick out anything over the amount owed on one particular account and will not allow us to transfer overage to a different accountThis system is designed this way to protect the consumerThe supervisor explained this to Mr [redacted] but he was insistentWe told him that we would make an attempt to do the transaction as he requested but also told him that it might not take the payment that wayThe system did kick out the payment for both accounts together and only took payment for one of themWe tried to discuss other alternatives but nothing was acceptable to Mr [redacted] Both accounts listed above are closed out in our system and have been deleted from his credit fileAll of this happened on 12/28/and 1/3/We were not notified anything about Mr [redacted] trying to get a mortgage until 1/4/
We deny that we have violated any laws in our handling of Mr***’s account The We have been in business since and we are well versed on the requirements placed upon us by the Fair Debt Collection Practices Act (FDCPA), NC Collection Agencies Law Article 70, the Fair Credit Reporting Act (FCRA), other applicable lawsThe dispute letter that we received via fax on February 28, states this Mr [redacted] refuses to pay; which per FCDPA regulations, is the same a cease communications request Mr***’s remark that we marked his account as cease communications to distract the purpose of his complaint is false, as we did respond to his dispute via written communication on March 21, and have addressed each of his Revdex.com complaints If Mr [redacted] would like for us to remove the cease communication from his account, we will mark his account as active Mr [redacted] has questioned our verification of this debt Please note that the Fair Debt Collection Practices Act (FDCPA) does not define “verification.” Yet Section 809(a) (4) (or U.S.C1692g (a) (4)) of the Act requires that “if the consumer notifies the debt collector in writing within the thirty-day period of the first collection notice that the debt, or any portion, is disputed, the debt collector will obtain verification of the debt and a copy of such verification will be mailed to the consumer by the debt collector.” This account was placed with us September 2, so the validation period had already ended when we received his dispute letter on February 28, 2017, however we went beyond the requirements of the law and validated his account The Act places a requirement to provide the consumer with something if the dispute is received in writing within the thirty-day dispute period, but what exactly that something is, however, is unknownThe lack of legislative history, Federal Trade Commission (FTC) interpretations, and court cases has exacerbated the problem of interpreting what is meant in the FDCPA by “verification.” According to the legislative history of the FDCPA, the verification requirement is fulfilled “if the debt collector obtained from the creditor a statement which includes an itemization of the amount of the debt, the name of the consumer, a statement that the debt has not been paid, and a statement that the creditor had either delivered a merchantable product or properly rendered a service.” HRRepNo131, 95th Cong., 1st Sess(1977) All of the required information was mailed to Mr [redacted] on March 21, to the address of CMR 415, Box 6372, Apo, AE Based on all of the information provided, we believe that we have handled the account appropriately The debt has been validated appropriately following all guidelines and the balance on the account is still due If Mr [redacted] would like to discuss the account further, he can contact our office at 1-800-325-
Based on the information provided in Ms [redacted] complaint, I am unable to verify that we have an account in our system Ms [redacted] should contact our office at 1-800-325-for assistance
We received a dispute letter from Mr [redacted] on March 2, requesting a breakdown of charges and a request to cease communication all further communication On March 21, we mailed a breakdown of the charges as requested We also ceased all further communication to Mr [redacted] at that time If Mr [redacted] would like to discuss the account further, he can contact our office at 800-325-
I am rejecting this response because: Now I am very aware of this situationIn this particular case, I advised these people that I had moved to Virginia in November 2012, and did file a proper change of addressI did not receive anything from themThey want to site the Fair Debt Collection Act when it absolutely benefits them, but not when they are lying and threatening people while trying to collect moneyThere was no need for them to put a $negative remark on my otherwise good credit reportThese people are "bottom feeders", and disliked by so manyI will wait the required time for this item to be removedIt does not bother me as much as it appears to bother themThat's why they're always being sued and paying out big settlementsPeople hate them, and do not like cooperating with them for reasons like thisPond s
m, plain and simpleThey don't have a good Revdex.com record either as I can see, so I know I am not in errorIf they were so reputable they would have an A or A-plus like so many other decent businessesThey didn't even bother to join youI will promise them this, that God forbid I have to deal with their pitiful behinds in the future, I will apply the Fair Debt Collection Act as well, and give them the absolute minimum the law allows, even it it takes a lifetime! Regards, [redacted] ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because: I never received ANY notices regarding this account (please provide an address in which you sent these notices to and I can provide you with a letter of residency from any of my landlords from that time, the letter in December was NOT sent by me, but by a Credit Repair Organization, in which I no longer do business with due to reasons I will not provide, and the email I sent you was used as Goodwill Intent BEFORE I filed my Revdex.com complaint, in order to give DataMax a chance to make good on their promiseLike I stated before, if you can place something on my Credit Report, you can remove it as wellI will make other arrangements and contact other resources if you cannot provide adequate information as to these notices I "supposedly" received in before the account was placed in collections Regards, [redacted] ***
They have failed to verify or show proof of a contract.assist us in bringing this matter to a close, you must give us a reason why you are rejeThey cting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because: Regards, Kenyeta ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because:The statement given by the third party entity did not address my main concern in my original disputeI am not disputing or asking for debt validation, I am requesting these items be removed from the following credit reporting agencies: Equifax, Experian, and TranUnionThis is on the line of unreasonable publicationThis company, which I hold no contract with nor have received services from, reported a collection account against my social security number in the amount of $with the aforementioned credit agenciesConsidering this business doe not have a contract with me for goods or services they have provided no proof of a signed contract with Data MaxI have agreed to satisfy the balance with the originating companyI demand the business remove the negative report against my SSN at any credit reporting agencyIn addition, the business have no contact in any form with me regarding this account now or in the futureLastly, agree to remove my personal information from all accounts in the companies database Regards, Kendra [redacted]
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]