Groman's Music

This is in
response to the Revdex.com complaint issued by *** *** regarding his account with
*** *** *** in the amount of $54.50.
The account is the final bill for electric service provided in his name
at *** *** *** *** Wilmington, NCThe last date of service was
December
4, 2012. The account was sent to our office for
collection on January 8,
Our records indicate
we sent Mr*** three collection notices and none of them were returned by
the post office so we assume delivery. They
were sent January 9, 2013, January 24, and February 8, 2013. The National Change of Address Register
provided us with a new address for him after he left the service address so
they were sent to *** *** *** *** *** ** ***. We also attempted to reach Mr*** by
telephone five times but were unsuccessfulThe third notice we sent on February
8, provided him with days to pay the account to prevent it from being
sent to the credit reporting agencies. That
date would have been March 14, 2013.
Since we
never spoke with Mr***, we made no promises this account would be deleted
from his credit report and neither did *** *** ***. Their records indicate that he contacted them
on September 10, to inquire about the balance on the account. He was quoted $which he paid. The payment was posted on September 11,
to the account. There is no
documentation in *** ***’s records where the customer was advised the debt
would be removed from his credit files
As
someone who is familiar with the importance of credit I am sure Mr*** can
understand why it is important for potential creditors and others to have as
much information as possible to make an accurate assessment of an individual’s
credit worthiness. Our agency
consistently reports accurate, verifiable and factual accounts to the credit
reporting agencies. Under the Fair
Credit Reporting Act collection accounts remain a part of credit files for
seven years from the date of delinquency. We get deletion requests on a regular
basis and treat everyone the same. We
don’t request the removal of paid accounts from the credit reporting agencies
unless one of the three reasons under the Fair Credit Reporting Act apply which
are 1) the account is too old to report, 2) it can no longer be re-verified or
3) it was sent to collection in error
We
suggest that Mr*** consider adding a consumer statement to his credit files
explaining the circumstances surrounding the account. The statement would be made available to
those who access his credit file in the future.
Sincerely,
Terry G
***
Vice
President & COO
***

The original complaint received did not provide enough information for us to
locate an account. Based on the additional information provided by Ms***, we have been able to locate the account in our system. Due to the nature of the account, we will respond to Ms*** via written communication at the address provided in her complaint. Please allow days for us to complaint our investigation of her complaint. If Ms*** would like to contact our office directly, she can reach us at 1-800-325-

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*** 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*** would like for us to remove the cease communication from his account, we will mark his account as active. Mr*** 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*** on March 21, to the address of CMR 415, Box 6372, Apo, AE 09114. 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*** would like to discuss the account further, he can contact our office at 1-800-325-

Unsure if this is a duplicate of the complaint received 7/20/17. This complaint shows different balances, one for $as stated in the previous complaint and one for $which we do not show in our system. We will respond to the complaint received on 07/20/once our
investigation is completed

[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:You are reporting to the Credit Report Agencies as Interstate Credit Collections against my SSN *** Date of Birth 5/8/Account Number 778671XYou purchased an account for pennies on the dollar and I do not have nor had I ever had a contractual agreement with youYour Claim is UnverifiableYou do not have proof that your company has the right to collect from me or report information to the credit reporting agenciesYou do not have any documentation where my signature is noted that I went into an agreement with you regarding any account that I have or that I have ever hadWhich makes your Claim Unverifiable. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they "verified" without providing any proof, bearing my signature. As per FTC opinion letter from Attorney John FLeFevre, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matterThe listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General's office, should you continue in your inaccurate non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your companyI would be seeking a minimum of $1,in damages per violation for: * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) * Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourselfI demand that you remove all inaccurate reporting for Trans Union, Equifax or Experian at once. P.SPlease be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc: Consumer Financial Protection Bureau Cc: Attorney General's Office Cc: Revdex.com
Regards,
Shanita ***

We deny that we have violated any laws in our handling of this account. 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) and the Health Insurance Portability and Accountability Act of (HIPAA). There is no law that requires us to provide you with “proof of contract” in order for us to collect the account on behalf of our client. If you have a copy of such a law, please provide it to us or state the statute location when it can be foundOur handling of this account is governed by the laws noted above namely the FDCPA

[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: they did notify me that with two accounts they would have to accept payments, but when Meghan told me that both payments would be accepted, I was expecting the payemnt for dollars to be drafted, and I look and only was drafted, and then told by Wells Fargo that the new collection account would cost me extra on my insuranceas far as the collection agency knowing about my intentions of Mortgae, it wasnt really any of their business, as to why I wanted to get the accounts removed from my credit fileThis does not fix the problems that they have caused for me
Regards,
Richard ***

Due to the nature of the account, we will respond to Ms*** via written correspondence and provide her with validation of her debt as required by the FDCPA

Tell us why hereWhen Mr*** called he wanted to pay both account listed above in one transaction on his cardThe supervisor spoke with Mr*** 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*** 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***Both accounts listed above are closed out in our system and have been deleted from his credit file. All of this happened on 12/28/and 1/3/We were not notified anything about Mr*** trying to get a mortgage until 1/4/

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,
*** ***

We received a dispute letter from Mr*** 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
*** at that time. If Mr*** would like to discuss the account further, he can contact our office at 800-325-

We previously verified these debts in accordance with the FDCPA (Fair Debt Collection Practices Act) and in fact exceeded its requirements. I apologize that our initial response was mailed to your former address"Please note it does not require us to provide you with proof of a contractual
obligation, since as a third party collection agency, any contract would have been made between you and the client we are collecting on behalf of." Section (b) of the FDCPA states “If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of the judgment, or the name and address of the original creditor, and a copy of such verification or judgment or name and address of the original creditor, is mailed to the consumer by the debt collector.” Please note that the FDCPA does not require us to provide signed documentation to validate the debt, nor does it require us to provide the additional information you requested. If Ms*** needs further information, she can reach our office at 800-325-to discuss further