High Point Asset Inc

This letter is written in response to complaint #*** opened in your office for *** ***We strive for and enforce compliant collection procedureAny violations are dealt with swiftly and sternlyOur employee files represent sameI have researched the available documentation
regarding the complaint and have found the following: Our office does not make threats to the customers and we have no such conversations on file with *** where it has been stated that we will send people after our customersOur associates ask the customer to verify the last four digits of their social security number to confirm we are speaking to the correct party. By practicing proper verification methods, our company is protecting the personal information of the customer and in compliance with state and federal lawsWhile listening to the recorded conversations the representative and the manager had with the customer, October 27th 2015, they explained the account was put in Cease and Desist on October 20th 2015. When an account is put in Cease and Desist status our system will not allow the account to be called. We are currently working with the developers of the software we use for our dialing system to make sure there are not any issues with the software which may allow accounts that are put in Cease and Desist status to be accidentally calledOur staff treated Ms*** with dignity and respect helping her in within the full means of their capabilities to ensure that she would not be called by our office again The customer was extremely upset the three times she called our office and spoke with our representatives. In every instance the agents were trying to diffuse and calm the customer down up to the point where the got there supervisor on the phoneAll our representatives are instructed to send a Validation letter when a customer requests one. Our office considers a customer as a person who properly identified themselves through our verification process. Our office sent a Validation notice on October 19th to the address on file which is the same address provided in her complaintTo show the way our office assist customers with their issues, we will provide the recording of this conversation upon requestAction Taken: Ms***’s account has been put in a Cease and Desist status and she will receive no more calls. Please contact me if you have any additional questions regarding this complaintSincerely, Jamie LManager, Administration

All files connected to the consumer has been placed in cease and desistValidation of the debts are attached

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

This letter is written in response to Case #: ***We strive for and enforce compliant collection procedure
Any violations are dealt with swiftly and sternlyOur employee files represent
sameI have researched the available documentation regarding the
complaint and have found the
following: We are fully disclosed and open to sending the proper
documents as many times as possibleLegitimacy of the file is not a battle of
he say she says when validation can be providedDespite the accusation of
fraud or scam we can provide validation which proves we have the right to
collect on the file. Validation of Debt Attached Action
taken: File: Cease
and Desist status has been placed on the account and no further action
will be takenRefund being issuedDisciplinary Action: N/A Sincerely, Jamie
LManager,
Administration

This letter is written in response to complaint *** opened in your office for *** ***We strive for and enforce compliant collection procedureAny violations are dealt with swiftly and sternlyOur employee files represent sameI have researched the available documentation regarding the complaint and have found the following: This is our final response to this complaint. This account was sent to our office to collect on as a legally owed debt. It is not the position by our company to determine whether this account is a disputed account or not. This is the customer’s decisionWe put the account in Cease and Desist statusOur company does not threaten our customers with pressing charges. If a collector is found stating anything to that nature they are terminated immediately. If you do have a recording of our office threatening to press charges, it is not something I was able to find in our database. Please provide itThe only way this can happen is if a collector called you on an outside line not affiliated with our office. If this is the case I need to hear the recording for myself to take appropriate measures in making sure this does not happen againWe removed your phone number and you will not receive any more callsYour account is in Cease and Desist statusThere is nothing else I can say or do to assist you. This is my final responseAction Taken: Ms***’s accounts have been put in Cease and Desist status in our officeIf Ms*** has any further questions, feel free to contact meSincerely, Jamie LManager, Administration

This letter is written in response to complaint #*** opened in your office for *** ***We strive for and enforce compliant collection procedureAny violations are dealt with swiftly and sternlyOur employee files represent sameI have researched the available documentation
regarding the complaint and have found the following: Our office has been trying to contact Ms*** *** regarding her six files placed in our office September 20th 2015. The customer has no recorded conversations with any representatives in our office. She never returned any of our calls to speak with a representative. If Ms*** or any customer of ours would like not to receive calls from our office anymore, the most effective action they can take is to speak with a representative and request we do not call them anymore. This will ensure that the calls from our office will stop the day of the request. If at any point our company finds that one of our representatives does not honor the request, they will be disciplined up to terminationIt is not a practice of our representatives to threaten or harass account holdersIf Ms*** would like to provide a different phone number that she called in on, I can search for contact in our office for a recording of the callIf a representative had threatened or harassed her, they will be disciplined Validation of Debt Attached Action Taken: Ms***’s account has been put in Cease and Desist status in our officeIf Ms*** would like to discuss resolution regarding her files or has any further questions, feel free to contact meSincerely, Jamie L. Manager, Administration

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. I have never heard of *** Debt Fund. They have never once contacted me by phone, or by US Mail regarding any debt I may owe. My credit report is clean, I have no open collection accounts. High Points Asset first contacted me on September 9th, 2015. It was always the same recorded second message. They used scare tactics, such as they needed to know my location so they could serve me papers. They said I only had hours to respond before action would be taken(I had hours for at least a week)When I did contact them and ask why I had not received a debt validation letter, the representative stated they only send through email. I asked for a physical address. She refused to give me one, stating they only use a P.OBox. After I contacted them, I started receiving recorded messages every single day between 8:- 8:am pacific time. They only stopped once the complaint was filed and received by them. My last contact by *** *** *** was on October 2nd, 2015. They are practicing unlawful debt collection practices. It is only because I know my rights and the law that I was able to not fall prey into their scare and scam practices. If you research the internet with there phone number ***, you will see numerous complaints against them. One place to check is www.800notes.com. Since *** Debt Fund "hired" them to try to collect a debt that doesn't exist from me, I can only assume their collection practices are very similar. I do not want anymore contact from High Points Assets, nor do I want any coming from *** Debt Fund. If I truly owe a debt, prove it to me by US Mail with a genuine debt validation letter. After all, that is the law.Regards, *** ***

This letter is written in response to Case #: ***We strive for and enforce compliant collection procedure
Any violations are dealt with swiftly and sternlyOur employee files represent
sameI have researched the available documentation regarding the
complaint and have found the
following: Validation
of the debt can be sent at any timesThe amount that was loaned is information
we don’t hesitate to releaseAction
taken: File: Cease
and Desist status has been placed on the account and no further action
will be takenDisciplinary Action: N/A Sincerely, Jamie
LManager,
Administration

This letter is written in response to complaint *** opened in your office for *** ***We strive for and enforce compliant collection procedureAny violations are dealt with swiftly and sternlyOur employee files represent sameI have researched the available documentation regarding
the complaint and have found the following: Our office has been trying to contact Ms*** to no avail since September 20th 2015. Our intentions were not to harass Ms*** and we apologize if that is what she feels we were trying to doWhen a representative speaks to a customer they try to educate the customer on their debt, assist the customer with payment options, or close the account when necessary. These were the intentions we had when we were trying to contact Ms***Our intentions were not to harass Ms*** and we apologize if that is what she feels we were trying to doIf a customer does not want phone calls, it would be a quick resolution for them to speak to a representative and request not to be called anymore. Once a representative is informed by the customer that they do not believe the account is theirs, does not want to resolve, or just does not want any more phone calls, our representatives are instructed to put the account in an inactive status so they do not receive any more calls. Our company does not call customers with the intent to harass or to threaten themIt is not a practice of our representatives to threaten or harass account holdersIf *** would like to provide a different phone number that she called in on, I can search for contact in our office for a recording of the callIf a representative had threatened or harassed her, they will be disciplinedValidation of Debt Attached Action Taken: Ms***’s accounts have been put in Cease and Desist status in our officeIf Ms*** has any further questions, feel free to contact meSincerely, Jamie LManager, Administration

This letter is written in response to Case #: ***We strive for and enforce compliant collection procedure
Any violations are dealt with swiftly and sternlyOur employee files represent
sameI have researched the available documentation regarding the
complaint and have found the
following: Calls are
placed to consumers within the guidelines of the FDCPAWe are never looking to
cause issues or discomfort to any consumersOnce it’s established that we have
a bad number or a number is requested to be removed it’s done immediatelyValidation: Attached Action
taken: File: Cease
and Desist status has been placed on the account and no further action
will be takenDisciplinary Action: N/A Sincerely, Jamie
LManager,
Administration

This letter is written in response to Case #: ***We strive for and enforce compliant collection procedure
Any violations are dealt with swiftly and sternlyOur employee files represent
sameI have researched the available documentation regarding the
complaint and have found the
following: The
representative started the call with the proper introductionValidation of the
debt will be attached which indicates our right to collect on the filesAction
taken: File: Cease
and Desist status has been placed on the account and no further action
will be takenDisciplinary Action: N/A Sincerely, Jamie LManager,
Administration

Here at High Point Asset Inc. we do not threaten we only inform. The idea of a lawsuit is stated when we inform the consumer that the client has the right to pursue if they decided to, we do not confirm any suits of any kind. Validation is attached to this response and both files will be placed in...

cease and desist.

This letter is written in response to complaint [redacted] opened in your office for [redacted]. We strive for and enforce compliant collection procedure. Any violations are dealt with swiftly and sternly. Our employee files represent same. I have researched the available documentation...

regarding the complaint and have found the following:  Our intentions were not to harass Ms. [redacted] and we apologize if she feels that way. When a representative speaks to a customer they try to educate the customer on their debt, assist the customer with payment options, or close the account when necessary.  On August 5th 2015 Ms. [redacted] requested a Validation notice to be sent to the email she provided to us and we have delivery confirmation of the email being sent at 3:42 pm EST. The information provided in our validation notice is what is required of us by state and federal regulations.  If Ms. [redacted] feels that she does not owe this debt, for whatever reason it may be, then we will put her account in dispute status.  Ms. [redacted] will not receive any more calls from our office. We do not practice continuously calling customers when they refuse or do not feel they owe this debt. Our company does not call customers with the intent to harass or to threaten. Validation of Debt    Attached. Action Taken:    Ms. [redacted]’s accounts have been put in Cease and Desist status in our office. If Ms. [redacted] has any further questions, feel free to contact me. Sincerely, Jamie L. Manager, Administration

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.
High Point is again only offering a illusive explanation of the claimed debt an again hasn't offered any supporting documentation such as claimed original loan dates, achy withdrawal or payment information and have not sent any of this information via US mail.  High Point collection agents only reply to repeated request for supporting documents and information was there was only a 10 day window to resolve this matter.  After receiving numerous calls from this company and without all of the above stated documention via US mail along with their License to conduct business within the State Of [redacted], I have no other option but to be of the believe that this collection scam is nothing short of that and is just a scam. I am also demanding for High Point and any of its affiliates, now or in the future, to cease and desist all collection of this account to include any companies of which they may transfer this said debt too, as I stand with my statement to them that this is not my debt. 
Regards,
[redacted]

This letter is written in response to Case #: [redacted]  We strive for and enforce compliant collection procedure. Any violations are dealt with swiftly and sternly.Our employee files represent same.I have researched the available documentation regarding the complaint and have found the...

following:  Our company does not avoid providing validation, I’ve attached it to the response. Threatening legal action isn’t a part of our practices. This file will be placed in cease and desist.  Validation of Debt                           Attached Action taken: File:                                         ...⇄ Cease and Desist status has been placed on the account and no further                                         ...⇄ action will be taken. Disciplinary Action:                         N/A Sincerely, Jamie Lenartowicz Manager, Administration

The debt was sold from [redacted] and placed with our office. To prove that we have the legal right to collect on the file we provide the validation that was sent. The files placed with our office comes warrantied with the chain and title. We dont have contact with [redacted] or a way to provide a document from [redacted]. We are not looking to force you to pay anything you don't want to pay. If our validation letter doesn't suffice as adequate enough information for you I apologize and your file will remain in cease and desist to stop all communication.

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]

This letter is written in response to Case #: [redacted]. We strive for and enforce compliant collection procedure.
Any violations are dealt with swiftly and sternly. Our employee files represent
same. I have researched the available documentation regarding the
complaint and have found the...

following: Validation
of the debt is documentation we never hesitate to send out via mail or email.
Validation would suffice as proof we have the legal right to collect on the
file. Action
taken:     File:      Cease
and Desist status has been placed on the account and no further action
will be taken. Disciplinary Action:     N/A    Sincerely, Jamie
L. Manager,
Administration

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I'm in agreement if they are no longer going to pursue me by phone,email or any other means! I have nothing else because I didn't apply to any payday loan. If you have a fax number I can fax the closed acct notification from the bank they stated I used to get the money. It shows my acct was closed in 2010!
Regards,
[redacted]

This letter is written in response to Case #: [redacted]. We strive for and enforce compliant collection procedure.
Any violations are dealt with swiftly and sternly. Our employee files represent
same. I have researched the available documentation regarding the
complaint and have found the...

following: Validation
of the debt is can be provided via mail or email. There has never been and
never will be threats of “serving papers” out of our office, may have us
confused with a separate office.     Action
taken:     File:    Cease
and Desist status has been placed on the account and no further action
will be taken.    Disciplinary Action:    N/A   Sincerely, Jamie
L. Manager,
Administration