Groman's Music

Mr
[redacted] has also submitted a complaint regarding his Duke Energy Carolinas account
to the Consumer Financial Protection Bureau (CFPB). Listed below is our 12-9-response
">·
11-25-– Duke Energy
Carolinas sent the account to our office for collection in the amount of
$130.71. The account is for power
service provided in the name of [redacted] at a service address of [redacted], Unit #[redacted], Durham, NC 27705.
It was connected on 8-1-
·
11-26-– We mailed Mr
[redacted] a pre-collection notice which included his consumer rights and validation
notice. Our notices are sent through the National
Change of Address Register (NCOA) and also coded as "Change Service
Requested". This means if a new address
is on file with the post office, the piece will we forwarded and we're notified
of the new address. We do not show any
mail was returned so we assume our mail was delivered.
·
January 23, – Having received no
response from Mr[redacted], we mailed him a collection notice. It provided him with days to pay the
account to prevent it from being sent to the credit reporting agencies. That date would have been February 26, 2015. When that didn't happen, we sent the account
to the reporting agencies on March 18, 2015.
Mr[redacted] should please note under § 809(a) [U.S.C1692g(a)], a debt
collector must provide a consumer with notice of certain rights afforded to the
consumer under the Fair Debt Collection Practices Act (FDCPA) Those rights were in our 11-25-notice to
him. The
FDCPA "requires only that such validation notice be ‘sent' by the debt
collectorA debt collector need not establish actual receipt by the
[consumer]." Once a debt collector is able to establish proper and timely mailing of
the validation notice, courts presume it was received shortly thereafter unless
the consumer can produce evidence to the contrary. Without any evidence the notice was
returned, the inference would be that the validation notice was not returned,
thereby establishing receipt of the notice by the consumer.
·
June 11, – Mr[redacted] called
to inform us he had paid his account directly to Duke Energy Carolinas on June
10th. We advised him to allow
some time for the payment to be reported.
Our collector specifically noted that Mr[redacted] understood the account
would be updated to show as paid but it would not be removed
·
June 12, – We posted the
payment Duke Energy Carolinas reported to us.
We reported the balance update to the credit reporting agencies the same
day
·
June 18, – We received a
dispute from [redacted]. Mr[redacted] told
them the account was closed and paid before it became a collection
account. We responded the account was
correct as placed but the balance should be shown as paid
·
June 18, – We received a
dispute from [redacted] that Mr[redacted] told him he was not liable for the
account. We responded the account was
correct as placed but the balance should be shown as paid
·
June 26, – We received
another dispute from [redacted] claiming the account was paid before it became a
collection account. We responded the
account was correct as placed and paid
·
July 13, – We received another
dispute from [redacted] claiming the account was inaccurate. We responded the account was correct as
placed and paid
As someone who is familiar with the
importance of credit I am sure Mr[redacted] 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 your credit for seven years from the date
of delinquency. We treat everyone the
same and we don't request the removal of paid accounts from the credit
reporting agencies unless an error has been made, the account is too old to
report or can no longer be re-verified. Base
on the information available to us none of those circumstances apply to this
account. We suggest that he 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.
We
have shared to Mr[redacted]'s complaint to the Revdex.com with Duke Energy Carolinas and
listed below is their response:
We do
not show where the customer contacted us to advise he was moving and request
for the service to be taken out of his name The Duke Energy account closing
was not dependent upon the lease termination for his apartment complex.
We do not run social security numbers to see if our customers have moved from a
locationThe customer is responsible for contacting us and requesting for the
service to be taken out of his name
The customer was originally billed for service thru
10/14/14. The account was scheduled for disconnection due to non-payment
on 10/20/14. We mailed the customer a bill on 9/15/advising of the
balance at that time of $430.68. The bill also included a disconnect
notice advising the customer that the past due amount of $should be paid
by 5:p.mon 10/17/to avoid disconnection. The last payment we had
received at that time was on 6/9/14.
We received a call from another individual on 10/20/who stated
that he and a roommate had been living at the location for at least months
and that the previous tenant had the service still in his nameWe conducted an
investigation and confirmed that the new tenants moved in on 8/16/14. The
new tenant also agreed to assume responsibility for the charges from the time
he moved in
We adjusted the billing on account [redacted] to bill [redacted] thru 8/16/instead of 10/17/14, reducing the final bill balance from
$to $130.71. The new tenants were held responsible for the usage
from 8/16/forward
We received a call from [redacted] on 6/10/and he wanted to
pay the balance on the account. A payment of $posted to the account
6/11/15. He also requested that we send him something showing that the
debt had been paid in full and provided us with his email and mailing
address. We can provide the customer with a Charge off Paid letter;
however, it has to be mailed business days after the payment posts to the
account to ensure the payment does not return. The letter was mailed and
emailed to the customer on 7/17/ The customer also requested a
month bill history, which was mailed to the customer 6/11/
The
customer chose to leave the service in his name and is responsible for the
billingThe bills were mailed to the address the customer providedThe
customer made no attempt to contact us to provide us with a forwarding address
nor request the service be taken out of his name

Our records indicate the following regarding Ms[redacted]'
account with McAden Park Apartments:
Account
# [redacted]
"line-height:115%>·
January
18, -
McAden Park Apartments sent a $collection account for Mr[redacted]
·
January
19, – A collection notice was mailed. We assume delivery because it was not
returned by the post office. The notice
provided Ms[redacted] with days to pay the account to prevent it from being
sent to the credit reporting agencies.
·
February
2, – A second notice was sent. It too was not returned
·
February
22, – The account was coded in our system to be
sent to the credit reporting agencies
·
October
13, – We received a dispute of the account Ms
[redacted] sent to Experian. We responded
with the data we had for the account
·
February
16, – Ms[redacted] called our office and paid the
account in full with a credit card. We
submitted a request to the credit bureaus to update the balance to show as paid
but not to delete the account
Account
# [redacted]
·
June
26, – McAden Park Apartments sent us a new
$collection account for Ms[redacted]
·
June
29, – A collection notice was mailed to Ms
[redacted].
·
July
6, – Ms[redacted] contacted us and said this
account had already been paid. We put
the account in dispute status and contacted McAden Park Apartments
·
July
21, – McAden Park's property manager responded
that this account was a duplicate of the earlier account and had been sent to
us in error. There was only one account
from We cancelled the account in
our system and sent Ms[redacted] form letter #to notify her that the account should
not have been sent to us. This, the
second account, was never sent to the credit reporting agencies
·
July
28, – We attempted to return a voice mail left by
Ms[redacted]. When we called back the call
went to a voice mail for Chelsey Freeman so we did not leave a message
I am sorry for any inconvenience this may have caused Ms
[redacted] and don't know what caused our client to send the account to us
twice. Attached is another copy of form
letter #indicating the account has been cancelled

RE:
 
windowtext 1.0pt;
mso-border-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt">
Account #


Client


Amount


Date Sent to Collection


Date Paid




[redacted]


[redacted]


$349.03


08-22-2014


12-16-2014




[redacted]


[redacted]


$37.27


12-31-2014


12-18-2015




[redacted]


[redacted]


$284.49


01-07-2015


12-18-2015


 
This is in response to Mr. [redacted]’s
complaint to the Revdex.com regarding the accounts referenced
above.  Our records indicate that collection notices
were sent to Mr. [redacted] for each account noted above and none were returned by
the post office so we assume delivery. 
Each notice provided Mr. [redacted] with 35 days to pay the accounts in
full to prevent them from being sent to the credit reporting agencies. 
As someone who is familiar with the
importance of credit I am sure Mr. [redacted] 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 your credit for seven years from the date
of delinquency.    We
receive requests like Mr. [redacted]’s on a regular basis and, upon the advice of
our legal counsel,  treat everyone the
same.  We don’t request the removal of
paid accounts from the credit reporting agencies.
We are sorry to hear of Mr. [redacted]’s
health issues and suggest that he consider adding a consumer statement to his
credit files explaining the circumstances surrounding the accounts.  The statement would be made available to
those who access his credit file in the future. 
There are three credit reporting agencies within the United States.  They are listed below with their mailing
addresses for his benefit.  He will need
to mail his consumer statement directly to them with his name, current home
address and social security number.
 
Equifax:         P O Box 740256       Atlanta, GA  30374-0256 
Trans
Union: P O Box 390              Springfield, PA  19064-0390
Experian:       701
Experian Way   Allen, TX  75013
 
Sincerely,
Terry
G. T[redacted]
Vice
President & COO
 







Read More Customer Complaints:

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We received a dispute letter from Mr. [redacted] on March 2, 2017 requesting a breakdown of charges and a request to cease communication all further communication.  On March 21, 2017 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 800-325-4013.

We will request deletion of account # [redacted] from Ms. [redacted]'s credit report.

We deny that we have violated any laws in our handling of Mr. [redacted]’s account.  The We have been in business since 1906 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 laws. The dispute letter that we received via fax on February 28, 2017 states this Mr. [redacted] refuses to pay; which per FCDPA regulations, is the same a cease communications request.  Mr. [redacted]’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, 2017 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 15 U.S.C. 1692g (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, 2014 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 unknown. The 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.” H. R. Rep. No. 131, 95th Cong., 1st Sess. 5 (1977).    All of the required information was mailed to Mr. [redacted] on March 21, 2017 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. [redacted] would like to discuss the account further, he can contact our office at 1-800-325-4013.

This
is in response to your June 30, 2015 e-mail regarding the complaint issued
against us by [redacted].  Our records
indicate the following: 
 
July 18, 2012 – [redacted]...

Distribution ([redacted]
Water) sent us Mr. [redacted]’s account for collection in the amount of $514.30.
July 19, 2012 – A collection notice was mailed
to Mr. [redacted] providing him his consumer rights and the option to pay the account
within 35 days to prevent it from being sent to the credit reporting agencies.
We assume delivery of the notice because it was not returned by the post office.

July 31, 2012 - [redacted] Distribution reported a
$100.00 payment to us and asked us to adjust the balance by an additional
$300.00 for return of their cooler. 
This left a balance owing of $114.30.

August 3, 2012 – A second collection notice was
mailed to Mr. [redacted].  It too was not
returned so we assume delivery.

August 22, 2012 – We coded the unpaid account to
be sent to the credit reporting agencies to be listed in Mr. [redacted]’s
credit reports.
 

December 11, 2014 – We received a letter from Mr.
[redacted] asking us to settle the account for $20.00 and an agreement it would
be removed from his credit reports. (copy attached)

December 12, 2014 – We responded with a letter we
were not in agreement with the terms of his letter and if he paid the account
we would update the account but it would not be deleted. (copy attached)
 

May 18, 2015 – Mr. [redacted] called and spoke with
our collector [redacted].  He told her he
was calling to settle the account. 
She told him there would be no settlement and that when paid we
would update the account to show it paid and closed on his credit
report.  He said he would be mailing
a cashier’s check to us that day. 
This call is recorded and I have listened to it.  There was never any mention from either
party that the account was to be deleted in exchange for the payment.  We simply do not do that.

May 21, 2015 – We received Mr. [redacted]’s
payment of $114.30.

May 26, 2015 – A request was sent to the credit
reporting agencies to update the account’s balance to show paid in full.

June 13, 2015- I received an e-mail asking if
we would remove the account from his credit reports.  (copy attached)

June 15, 2015 – I mailed Mr. [redacted] a letter explaining
why we don’t delete paid accounts. (copy attached)
 
Please
note that our records for this account do not match the accusations made in Mr.
[redacted]’s complaint in that:
 
We did contact him about this
account.  The two collection notices
mailed to him in 2012 were not returned so we assume delivery. 
In July 2012 a payment was
reported by our client and notice the cooler had been returned.  Although not substantiated, the timing
of this activity coinsides with our collection notices sent in early July
2012.
Mr. [redacted] contacted us for the
first time December 11, 2014 so he knew as early as that date, if not
earlier, that the account was in our office for collection but his
complaint insinuates he learned about the account when he pulled his
annual credit report in May 2015.
No agreement was made by anyone in
this office that we would delete his account after it was paid.  We only remove accounts for the
following reasons outlined in the Fair Credit Reporting Act:

The account was placed for collection
in error.
The account can no longer be
re-verified.
The account is too old to be
reported.

            None of these reasons apply to Mr.
[redacted]’s account.
 
Sincerely,
Terry
G. T[redacted]
Vice
President & COO

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 12592515
I am rejecting this response because:  they did notify me that with two accounts they would have to accept 2 payments, but when Meghan told me that both payments would be accepted, I was expecting the payemnt for 50 dollars to be drafted, and I look and only 35.00 was drafted, and then told by  Wells Fargo that the new collection account would cost me extra on my insurance. as 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 file. This does not fix the problems that they have caused for me
Regards,
Richard [redacted]

Due to the nature of the complaint, we will respond to Ms. [redacted] via written communication and provide her with validation as required by the FDCPA.  Ms. [redacted] should allow 30 days to receive our response.

We deny that we have violated any laws in our handling of this account.  We have been in business since 1889 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 1996 (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 found. Our handling of this account is governed by the laws noted above namely the FDCPA.

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 809 (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. [redacted] needs further information, she can reach our office at 800-325-4013 to discuss further.

I am rejecting this response because:
It was my mistake in trusting my friends who took over my lease to make payments to, and close, the account with Duke Energy after my friends terminated the lease in August 2014. (Duke Energy would not allow me to transfer the account to them because these friends are international students without social security numbers.) I had learned my lesson--that some "friends" do not keep their promises -- by paying what they owed to Duke Energy as soon as I found out (in June 2015) about their failure to take care of the Duke Energy account. Since these friends are international students, I have no way to collect from them. I never knew that I had to provide the post office with a forwarding address, since I had never expected any mail to be sent to me at the address that I vacated (because I assumed the Duke Energy account would be closed by my "friends" when they terminated the lease in August 2014). Therefore, I was not aware of any of the events related to the Duke Energy account after May 2014 (when I left the apartment) until June 2015 (when I saw the collection item on my credit file). I have not yet consulted legal advice on the point that you do not have to prove mail delivery to me, but given that I have already made Duke Energy whole, it would be helpful to me if the collection item is removed from Equifax's credit file, especially when I never received any of your letters (as can be verified by the manager of the apartment). I do not understand your insistence on leaving this item on my credit file, since it does not reflect my behavior as a consumer -- I have never deliberately left a debt unpaid in my life. But if you are not persuaded to remove it, I will work with the credit agency to seek deletion of this item.
Regards,
[redacted]

Tell us why here... When Mr. [redacted] called he wanted to pay both account listed above in one transaction on his card. The 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 account. This system is designed this way to protect the consumer. The supervisor explained this to Mr. [redacted] but he was insistent. We 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 way. The system did kick out the payment for both accounts together and only took payment for one of them. We 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 file. All of this happened on 12/28/17 and 1/3/18. We were not notified anything about Mr. [redacted] trying to get a mortgage until 1/4/18.

Based on the information provided by Ms. [redacted] in her complaint, I am not able to locate an account in our system.  I suggest Ms. [redacted] contact our office at 800-325-4013 so we may assist her further.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 12285873
I am rejecting this response because:The statement given by the  third party entity did not address my main concern in my original dispute. I am not disputing or asking for debt validation, I am requesting these items be removed from the following credit reporting agencies: Equifax, Experian, and TranUnion. This is on the line of unreasonable publication. This 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 $392.00 with the aforementioned credit agencies. Considering this business doe not have a contract with me for goods or services they have provided no proof  of a signed contract with Data Max. I have agreed to satisfy the balance with the originating company. I demand the business remove the negative report against my SSN at any credit reporting agency. In addition, the business have no contact in any form with me regarding this account now or in the future. Lastly, agree to remove my personal information from all accounts in the companies database.
Regards,
Kendra [redacted]

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 1-800-325-4013 for assistance.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 10691269
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 2014 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 promise. Like I stated before, if you can place something on my Credit Report, you can remove it as well. I will make other arrangements and contact other resources if you cannot provide adequate information as to these notices I "supposedly" received in 2012 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 response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 12265152
I am rejecting this response because:
Regards,
Kenyeta [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 12291515
I am rejecting this response because: You are reporting to the Credit Report Agencies as Interstate Credit Collections against my SSN  [redacted]  Date of Birth 8/24/1977. Account Number 833051X. You purchased an account  for pennies on the dollar and I do not have nor  had I ever had a contractual agreement with you. Your Claim is Unverifiable. You do not have proof that your company has the right to collect from me or report false information to the credit reporting agencies. You 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 had. Which 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 F. LeFevre, 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 matter. The 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 company. I would be seeking a minimum of $1,000 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 yourself. I demand that you remove all inaccurate false reporting for Trans Union, Equifax or Experian at once.                              P.S. Please 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,
Shameka [redacted]

I am rejecting this response because:
 Now I am very aware of this situation. In this particular case, I advised these people that I had moved to Virginia in November 2012, and did file a proper change of address. I did not receive anything from them. They 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 money. There was no need for them to put a $54.00 negative remark on my otherwise good credit report. These people are "bottom feeders", and disliked by so many. I will wait the required time for this item to be removed. It does not bother me as much as it appears to bother them. That's why they're always being sued and paying out big settlements. People hate them, and do not like cooperating with them for reasons like this. Pond sm, plain and simple. They don't have a good Revdex.com record either as I can see, so I know I am not in error. If they were so reputable they would have an A or A-plus like so many other decent businesses. They didn't even bother to join you. I 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]