Halsted Financial Services, LLC

05/16/RE: Complaint ID: *** *** *** Dear *** ***, This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on May 4th, 2017, it appears that our office spoke with Ms
*** Complaints of this nature are very serious, and are not taken lightly. Halsted Financial Services, LLC maintains full compliance with the FDCPA, specifically Section and 807, pertaining to communicating with the right party and preventing or misleading tactics Regarding Ms***’s desired resolution, our office has removed all contact information associated to her and ceased all communicationThere will be no further communication from Halsted Financial Services, LLC at this time Halsted Financial Services, LLC does not and has not reported any of Ms***’s information to any of the major credit bureausHalsted Financial Services, LLC does not credit report I hope this addresses Ms***’s concernsIf she would like to discuss the matter in our office, I would be more than willing to assist herI can be reached directly by phone at (847) ***
Sincerely, *** *** Halsted Financial Services, LLC TEL: ***
*** ***

Initial Business Response /* (1000, 5, 2015/05/15) */
05/15/
RE: Complaint ID:
Jason Deroo
Dear Lucille Garcia,
This letter is in regards to a consumer complaint filed by Jason Deroo against Halsted Financial Services, LLCDuring my assessment of this complaint filed on May
5th, it appears that our office did call MrDeroo, but he never successfully reached one of our representatives to express his alleged dispute of an account in our officeOn the grounds that MrDeroo never spoke to one of our representatives, it is unlikely that he was able to issue a verbal request for original documentationIn addition, it is even more unlikely that our office made such claims in reference to our inability to provide such documentation considering a representative never spoke to him
Upon further review it appears that MrDeroo also filed a complaint against Halsted Financial Services, LLC with the CFPBMrDeroo's CFPB complaint fails to include a statement indicating that a request for original documentation was made by him to one of our representativesIn addition, Mr Deroo's complaint fails to mention that our office could not provide such documentationTherefore, we have no choice but to question the candor of MrDeroo's allegations
We would like to express our willingness to work with all consumers when requests for original documentation are madeWhen these requests are made, we respond to the consumer and issue requests to the current creditor immediatelyIf we are unable to fulfill these requests within thirty days, we close and return the account to the current creditor/owner of the account
Nevertheless, when our office receives a complaint of this nature our office acknowledges the consumer's disputeThus, at this time we have ceased collection activity, removed MrDeroo's information from our system and returned the account to the current creditor with our analysis on the matter
I hope this addresses MrDeroo's concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (847) 845-
This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
Sincerely,
Charles McDermott
Halsted Financial Services, LLC
TEL: 847-845-
FAX: 888-768-
Initial Consumer Rebuttal /* (2000, 7, 2015/05/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
While I am happy they have ceased collection efforts on a debt that never existed, the truth is somewhat skewed by the companyWhile I never answered any calls from Halsted, I made several attempts to contact them via telephone to no avail as no one ever answered the phone during business hoursEven if they have "proof" of debt, nothing was ever forwarded to me for validation of signatures or photo identifications or contractsThe complaint filings with the Revdex.com and CFPB was a clear indication that the debt was being pursued incorrectly and attempt to extort money from me that is not owed for any payday loanI wanted to be clear to Halsted Financial that I have never needed nor used a "Payday" loan for any reason

Complaint: ***
I am rejecting this response because: I don't feel it is fair to state that I would not provide verifying information Your company called me and I still don't have any idea where you are calling from I don't understand calling me from a company I never had any business dealings with and asking me to provide personal information but you won't state where you are calling from Seems like you are utilizing bullying tactics and that is the wrong way to do business If I truly owe something provide me with company I owe and amount due if it is factual we can discuss this further
Sincerely,
*** ***

10/24/RE: *** *** Dear *** ***, This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLC Complaints of this nature are very serious, and are not taken lightly. Halsted Financial Services, LLC
maintains full compliance with the FDCPA, specifically Section and 807, pertaining to communicating with the right party and preventing or misleading tactics Regarding *** ***‘s desired resolution, office has ceased all communication with *** ***There will be no further communication from Halsted Financial Services, LLC at this time If *** *** would like to discuss the matter further with our office, please call me directly (*** *** as I would be more than willing to alleviate any concerns she may have Sincerely, *** *** Halsted Financial Services, LLC TEL: *** FAX: ***10/24/RE: *** *** Dear *** ***, This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLC Complaints of this nature are very serious, and are not taken lightly. Halsted Financial Services, LLC maintains full compliance with the FDCPA, specifically Section and 807, pertaining to communicating with the right party and preventing or misleading tactics Regarding *** ***‘s desired resolution, office has ceased all communication with *** ***There will be no further communication from Halsted Financial Services, LLC at this time If *** *** would like to discuss the matter further with our office, please call me directly (*** *** as I would be more than willing to alleviate any concerns she may have Sincerely, *** *** Halsted Financial Services, LLC *** ***
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

09/21/RE: Complaint ID: *** Chris *** Dear Lucille *** This letter is in regards to a consumer complaint filed by Chris *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on September 13th, 2016, it appears that our office received
Mr***’s dispute claim in reference to a matter in our office for his wifeWe can assure Mr*** and the Revdex.com that our attempts to contact his wife are not associated with a scam of any sortIn addition, the allegations made in this complaint are entirely false, our office did not threaten legal action nor did we impersonate any government entities such as the FBI in any capacity At this time we have removed all phone numbers associated with this matter and have added them to our internal Do Not Call DirectoryIf Allison *** would like to discuss the matter in our office, please call me directly *** *** as I would be more than willing to alleviate any concerns she may have Sincerely, Charles *** Halsted Financial Services, LLC TEL: *** FAX: 888-768-

11/16/RE: Complaint ID: ***James ***Dear Lucille *** This letter is in regards to a consumer complaint filed by James *** against
Halsted Financial Services, LLCDuring my assessment of this complaint filed
on November 3rd, Mr*** spoke with one of
our
representatives and refused to verify information that would indicate he was
the right party contactTo prevent or misleading tactics, our company policy
and federal law mandates the following: All representatives must first aim
to verify customer identities by confirming the last four digits of their
social security numberIf the last four digits cannot be confirmed,
representatives must aim to confirm the customer’s date of birth or street
address if applicableUnfortunately the representative was unable to confirm Mr***’
identity on the callThis resulted in our office being unable to disclose the
nature and purpose of the callWhen our office receives complaints of this
nature we immediately cease calling activity.
At this time we have ceased all calls to the number associated with Mr***
until right party verification can be obtained.Regarding Mr*** desired resolution, there will be
no further contact from our officeIn addition, we must advise the RevDex.com and Mr*** that Halsted Financial Services, LLC does
not credit reportIf your office or Mr*** has any further concerns
please do not hesitate to contact me directly by phone at (847) 845-as I would be more than
willing to alleviate your concernsSincerely, Charles ***Halsted Financial Services, LLC TEL: 847-845-8155FAX: 888-768-

Initial Business Response /* (1000, 5, 2015/05/29) */
05/29/
RE: Complaint ID: XXXXXXXX
*** ***
Dear *** ***
This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed
on May 18th, 2015, our office can confirm that such correspondence was never receivedOur office was unable to reach the consumer to obtain a verbal cease and desist request, in addition to this our office has never received postal mail from Ms***
However, at this time our office is in receipt of the consumer's request, so we have ceased collection activity on this account and removed Ms*** informationThere will be no further calls from Halsted Financial Services, LLC to this number
I hope this addresses Ms*** concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (XXX) XXX-XXXX
This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
Sincerely,
*** ***
Halsted Financial Services, LLC
TEL: XXX-XXX-XXXX
FAX: XXX-XXX-XXXX

Initial Business Response /* (1000, 5, 2015/05/01) */
05/01/
RE: Complaint ID: XXXXXXXX
*** ***
Dear *** ***
This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on
April 22nd, our records indicate that the phone numbers associated with Ms***'s account were placed in our office by the current creditor for servicingUnfortunately, our office was unable to reach Ms*** on the phone wherein which we could have been notified to cease calls to an inconvenient number(s)
We were able to locate the account in question, cease collection activity on it, and remove Ms***'s information in its entiretyAt this time we have added phone numbers associated with this account to our Do Not Call List to ensure Ms*** does not receive future calls from our office
I hope this addresses Ms***'s concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (XXX) XXX-XXXX
This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
Sincerely,
*** ***
Halsted Financial Services, LLC
TEL: XXX-XXX-XXXX
FAX: XXX-XXX-XXXX

Initial Business Response /* (1000, 5, 2015/07/01) */
07/01/
RE: Complaint ID: XXXXXXXX
*** ***
Dear *** ***
This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on
June 16th, it appears that Ms*** is alleging that our office refused to send her debt validation and threatened to contact her employer to garnish her wagesThe contents and allegations of Ms***'s complaint are simply not true
During my review of the calls and paperwork in regards to Ms***'s account, it appears that our office generated and delivered a validation letter to herThis letter detailed specific account details and also served as notification that her account had been placed in our office for servicing by the current creditorFurthermore, Ms*** participated in a follow up call where she discussed various re-payment optionsIt is company policy to flag accounts to a 'dispute' status when a consumer disputes the validity of an account verbally or in writingThus, we find it problematic that Ms*** is alleging her wish to dispute this account, while our office is in possession of a voice track of her acknowledging the debt and discussing various payment options
Regarding Ms***'s allegation of our representative threatening to contact her employer to garnish her wages, this is simply not trueWe strictly prohibit our representatives from threatening consumers with such claimsDuring my review of the calls held between Ms*** and our rep, not once is there any mention of contacting Ms***'s place of employment as a means to garnish her wagesHowever, at this time Halsted Financial Services, LLC cannot be held accountable for the way in which Ms*** interpreted information
At this time the account has been placed in a "cease & desist" statusThere will be no further contact from Halsted Financial Services, LLC regarding this account
I hope this addresses Ms***'s concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (XXX) XXX-XXXX
This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
Sincerely,
*** ***
Halsted Financial Services, LLC
TEL: XXX-XXX-XXXX
FAX: XXX-XXX-XXXX

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI still not satisfied but they released theDebtI believe this company is into fradulent behaviors which are unacceptable
Sincerely,***
*** ***

Complaint: ***
I am rejecting this response because:I still need to know why this business was calling and threatening me
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/09/11) */
09/11/
RE: Complaint ID:
James ***
Dear *** ***
This letter is in regards to a consumer complaint filed by James *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on
August 29th, it appears that the account in question was placed in our office in mid-July for servicingOur office does not have record of ever having spoken with Mr***, so it may be possible that Mr*** is receiving calls from a different company
Nevertheless, when our office receives complaints of this nature we acknowledge and aim to fulfill all requestsAt this time we have added the provided phone number, (XXX) XXX-XXXX, and address, *** W *** ** XXXXX La Porte, IN, to our internal Do Not Call DirectoryAt this time we have closed and returned this account to the current creditor
There will be further contact from Halsted Financial Services, LLC regarding this account
I hope this addresses Ms***' concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (XXX) XXX-XXXX
Sincerely,
Charles ***
Halsted Financial Services, LLC
TEL: XXX-XXX-XXXX
FAX: XXX-XXX-XXXX

01/07/RE: Complaint ID: *** Suheil *** Dear Lucille *** This letter is in regards to a consumer complaint filed by Suheil *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on December 29th, it appears we were able to reach Mr
***In addition a follow up call was reviewed wherein the caller requested our company nameOur representative provided the caller with our company nameOur representative proceeded to verify if the caller was indeed the correct right party, however the caller refused to verify her first or last nameTo prevent or misleading tactics, our company policy and federal law mandates the following: All representatives must first aim to verify customer identities by confirming the right party’s first and last nameIn addition, all representatives must then aim to confirm the last four digits of customer’s social security numberIf the last four digits cannot be confirmed we are mandated by federal law to not disclose information regarding the purpose of the callUnfortunately the caller did not disclose her first or last name, therefore we were unable to communicate the purpose of the callWhen our office receives complaints of this nature we immediately cease calling activity. At this time we have ceased all calls to the numbers associated with Mrand Mrs*** until right party verification can be obtainedIn addition, we have added the provided telephone number *** *** to our internal Do Not Call DirectoryThere will be no further contact from our officeIf your office or Ms*** has any further concerns please do not hesitate to contact me directly by phone at *** *** as I would be more than willing to alleviate your concernsSincerely, Charles *** Halsted Financial Services, LLC TEL: 847-845-FAX: 888-768-

02/05/RE: Complaint ID: *** *** *** Dear *** ***, This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLC on January 28th, Per company policy, when a complaint of this nature is received, our office
ceases calling activityWe have flagged the account accordinglyThere will be no further collection activity from Halsted Financial Services, LLC regarding this account If Ms*** would like to set up a viable arrangement to resolve the account placed in our office, please call me directly at (*** ***, I would be more than happy to assist you. This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agencySincerely, *** *** Halsted Financial Services, LLC TEL: *** FAX: ***

Initial Business Response /* (1000, 8, 2015/04/17) */
04/17/
RE: Complaint ID: XXXXXXXX
*** Mathews
Dear *** ***
This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLCDuring my assessment of this complaint
filed on April 6th, 2015, it appears that there may have been a miscommunication between the consumer's interpretation of the word "Halsted" and "Healthcare"
At no point did our accounts receivable representative attempt to identify our company name as including the term "Healthcare" in itTherefore, the consumer's allegation is simply not trueHalsted Financial Services, LLC is a full-service debt recovery agency that offers contingency services to merchants, service providers, government entities, and other organizations that extend credit to their customers or members
Nevertheless, our office was able to locate the account and will honor the consumer's request to cease collection activity on itPer company policy, when a complaint of this nature is received, the account is placed in a "cease & desist" statusThere will be no further collection activity from Halsted Financial Services, LLC regarding this account
I hope this addresses Ms*** concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (XXX) XXX-XXXX
This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
Sincerely,
*** ***
Halsted Financial Services, LLC
TEL: XXX-XXX-XXXX
FAX: XXX-XXX-XXXX

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
Mr*** ***

Complaint: ***
I am rejecting this response because: this is untrue. I faxed them a copy of the Power of Attorney and a letter or representation for this case
Sincerely,
*** ***

RE: Case Number: *** *** *** To Whom It May Concern: This letter is in regard to a consumer complaint filed by *** *** against Halsted Financial Services, LLCComplaints of this nature are very serious, and are not taken lightly During my assessment of this complaint, it
appears that we did make contact with the consumer on September 14, 2017, but we were unable to confirm that we were speaking with the person we were actually trying to reach as Mr*** would not verify his identity. Pursuant to the FDCPA, we are prohibited from making any third-party disclosures regarding the nature of the call. Thus, it is imperative that a consumers’ identity is confirmed prior to making any disclosure to the caller, whatsoever. Going forward, there will be no further communication to the consumer from Halsted Financial Services, LLC Should Mr*** wish to resolve this matter, I can be reached directly at the number below I hope this addresses the consumers concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (847) ***-*** Sincerely, *** *** Halsted Financial Services, LLC TEL: 847-***-*** FAX: ***

Initial Business Response /* (1000, 5, 2015/06/26) */
06/26/
RE: Complaint ID: XXXXXXXX
*** ***
Dear *** ***
This letter is in regards to a consumer complaint filed by *** *** against Halsted Financial Services, LLCDuring my assessment of this complaint filed on
June 16th, it appears that Ms*** had previously requested a Paid in Full Letter to be mailed to herAt this time we have sent Ms*** a Paid in Full Letter detailing her resolved account in our officeTo ensure Ms*** is satisfied with our response, have included the contents of her mailed out Paid in Full Letter below:
06/26/
RE: *** ***
Original Lender: Advance America (Storefront PDL)
Account Number: *XXXXXXXX
HFS Reference Number: XXXXXXX
Balance Paid: $
Balance Due: $
Dear *** ***,
Please be advised that this letter serves as written verification that that above referenced debt has been paid and this matter is considered closedAny payment returned due to insufficient funds will nullify this document
This is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
I hope this addresses Ms***'s concernsIf I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at (XXX) XXX-XXXX
This office engages in the collection of debtsThis is an attempt to collect a debtAny information obtained will be used for that purposeThis communication was sent by a debt collector from a professional debt collection agency
Sincerely,
*** ***
Halsted Financial Services, LLC
TEL: XXX-XXX-XXXX
FAX: XXX-XXX-XXXX