High Point Asset Inc

This letter is written in response to complaint# [redacted] opened 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:  We have four accounts In the name of [redacted] that were forwarded to our office  for collection by our client Capital Interchange Corp. Each account included the account holder's  name, address, social security number, the original loan Information and the bank account the customer used to repay the loan. These accounts were not aggregated from any websites, they were placed in our office as legally owed by our client. I have attached a Validation of Debt for each account with this response. We do not make it a practice to call a number more than one time per day and have no record that a phone number that was listed as a relative was ever called by our company.  Action Taken: Though all files in our office Include a tremendous amount of Information that would Indicate the accounts are legally owed by Ms. [redacted], we have  placed a Cease & Desist status on them and will discontinue any efforts of collection. Feel free to contact me if you have any additional questions regarding this complaint. Jamie L[redacted]Manager, Administration

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: After a thorough review of the file and the recorded call there was never an accusation of fraud made to the customer or anyone ever. The customer received all the information she requested accurately from the representative. Validation of the debt was provided which proves we are entitled to collect on the file. The funds could have been received via cash, check, or lender issued card. The bank on the file we have indicates it was placed there to make payments. We will stop all communications as she wishes. 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 L. Manager, Administration

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: I understand the consumer is disputing validity of the debt.
Validation of the debt can be provided as many times needed via mail or email.
The validation of the debt not only proves it exist but proves we have the
legal right to collect on the file. The loan could have been dispersed via
cash, check, or direct deposit. Validation of Debt   Attached. Action
taken: File: Cease
and Desist status has been placed on the account and no further action
will be taken. Refund being issued. 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.  Regards, [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: We are fully disclosed and open to sending the...

proper
documents as many times as possible. Legitimacy of the file is not a battle of
he says she says when validation can be provided. The receipt the consumer is
referring to is for a lender we never service in our office. It doesn’t match
the file we are collecting on. Bank statements doesn’t prove anything rather it
doesn’t show a deposit or shows payments being made. The funds could have been
distributed via cash, check, lender issued card or a separate account. Usually
when an account is attached to a file in our office it indicates payments were
being made, in which case a receipt with the corresponding lender and original
account number is still needed to suffice as proof the debt is paid off. Validation of Debt     Attached.  Action
taken:   File:  Cease
and Desist status has been placed on the account and no further action
will be taken. Refund being issued. 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 have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[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: The focal point of the consumer complaint is derived...

from her not receiving validation of the debt. According to the file in our office, the letter was sent to the email address provided by her which reads; [redacted] I’ve attached a validation letter to make sure she gets it. 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 L[redacted] Manager, Administration

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

regarding the complaint and have found that following: An account was placed in our office in the name of [redacted] on April 24th, and it has been placedIn "Cease and Decist status and closed at the time the complaint was reviewed October 6th, 2015. None of our dialing system automated messages threaten any actions of court or to obtain an address to serve papers. However, in reviewing the complaint completely, I have found that the customer did request a validation notice and our company address and did not have either requests honored by the representative she spoke with. It is not a practice of our representatives to threaten or harass account holders, nor is it a practice to ignore legitimate requests for information we are required to provide the customer. If Ms.[redacted] would still like a validation notice please contact our client [redacted] Debt Funds, LLCAction Taken: Ms. [redacted]' account was closed in or office on October 6rth, 2015. After reviewing the conversation the customer had with our respresentative received a written disciplinary warning and coaching on how to better handle this  and requested should it be asked of the again. If Ms. [redacted] has any questions regarding this  account, she should direct them to our client, [redacted] Debt Fund, LLC. Their contact information is as follows;requested should it be asked of the again. If Ms. [redacted] has any questions regarding this  account, she should direct them to our client, [redacted] Debt Fund, LLC. Their contact information is as follows;  [redacted] Debt Fund, LLC[redacted]Sincerely,  Jamie L[redacted]  Manager, Administration

After reviewing the calls, our representatives were informative and professional. Validation was provided 11/23/2015. File will be placed in cease and desist.