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
Our records indicate
that [redacted] sent Mr. [redacted] account
to our office for collection on 2-10-2015.
Collection notices were mailed to him on 2-11-15 and 4-9-15. We assume delivery because neither notice...
was
returned by the post office.
On 9-29-15
at 4:14 p.m. Mr. [redacted] called our office
and paid the account with his charge card.
We explained our process and how we could assist him in notifying his
rental agent the account had been paid.
Please note the following:
· The
credit card system gives us tentative confirmation a charge has been accepted but
the “official” payment is not processed and transferred into our account until
typically the next business day. That is
why we wait 24 to 48 hours before providing receipts or proof of payment. There
are times when charges are accepted at the time of charge but later rejected
when processed. After we have confirmed
the money is in our account, at a consumer’s request, we will fax confirmation
an account has been paid to companies they are working with to get a loan,
rental property, etc. but they are not
sent actual receipts.
·
For
Mr. [redacted] account, we faxed confirmation to his rental agent the account had
been paid on 9-30-15 at 2:51 p.m. We processed a receipt to be mailed to Mr. [redacted] for
his payment the same day at 3:54 p.m.
·
Based
on Mr. [redacted] complaint, we are re-visiting our policy to see what changes can
be made. We are concerned about consumer
privacy and know that fax machines and e-mail are not secure methods of
communication.
·
I
am sorry Mr. [redacted] need for an immediate receipt ran afoul of our process. I don’t see in our records we have personal
fax # for him. If he will provide me with # to which he wants
a receipt sent, I will have one faxed to him. He can e-mail the # to [email protected] or he can
call my direct line at 336-777-3512.
Account # [redacted]
Owed to: [redacted]
Amount owed: $239.90
Service Address: [redacted]...
[redacted]
This is in response to Ms. [redacted]'s complaint regarding the account referenced above. This account is for power service provided in her name at the service address noted above. A signature is not required to establish utility service.
The account was sent to our office for collection on October 8, 2013. Two collection notices were mailed to the current address in her complaint on October 21, 2013 and December 6, 2013. Neither were returned so we assume delivery. Our mail is sent "Return Service Requested" so we are notified if the piece is not deliverable. In addition, another service we use called National Change of Address Register (NCOA) located the current address for Ms. [redacted].
The account remains unpaid. If she chooses to pay the account we will ask the credit reporting agencies to update the balance to reflect the paid status.
[redacted]
Vice President & COO
This is in
response to the Revdex.com complaint issued by [redacted] regarding his account with
[redacted] in the amount of $54.50.
The account is the final bill for electric service...
provided in his name
at [redacted] Wilmington, NC. The last date of service was December
4, 2012. The account was sent to our office for
collection on January 8, 2013.
Our records indicate
we sent Mr. [redacted] 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, 2013 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 [redacted]. We also attempted to reach Mr. [redacted] by
telephone five times but were unsuccessful. The third notice we sent on February
8, 2013 provided him with 35 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. [redacted], we made no promises this account would be deleted
from his credit report and neither did [redacted]. Their records indicate that he contacted them
on September 10, 2013 to inquire about the balance on the account. He was quoted $54.50 which he paid. The payment was posted on September 11, 2013
to the account. There is no
documentation in [redacted]’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. [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 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. [redacted] 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.
[redacted]
Vice
President & COO
[redacted]
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
RE:
size="2">
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
Our records indicate
that [redacted] sent Mr. [redacted] account
to our office for collection on 2-10-2015.
Collection notices were mailed to him on 2-11-15 and 4-9-15. We assume delivery because neither notice...
was
returned by the post office.
On 9-29-15
at 4:14 p.m. Mr. [redacted] called our office
and paid the account with his charge card.
We explained our process and how we could assist him in notifying his
rental agent the account had been paid.
Please note the following:
· The
credit card system gives us tentative confirmation a charge has been accepted but
the “official” payment is not processed and transferred into our account until
typically the next business day. That is
why we wait 24 to 48 hours before providing receipts or proof of payment. There
are times when charges are accepted at the time of charge but later rejected
when processed. After we have confirmed
the money is in our account, at a consumer’s request, we will fax confirmation
an account has been paid to companies they are working with to get a loan,
rental property, etc. but they are not
sent actual receipts.
·
For
Mr. [redacted] account, we faxed confirmation to his rental agent the account had
been paid on 9-30-15 at 2:51 p.m. We processed a receipt to be mailed to Mr. [redacted] for
his payment the same day at 3:54 p.m.
·
Based
on Mr. [redacted] complaint, we are re-visiting our policy to see what changes can
be made. We are concerned about consumer
privacy and know that fax machines and e-mail are not secure methods of
communication.
·
I
am sorry Mr. [redacted] need for an immediate receipt ran afoul of our process. I don’t see in our records we have personal
fax # for him. If he will provide me with # to which he wants
a receipt sent, I will have one faxed to him. He can e-mail the # to [email protected] or he can
call my direct line at 336-777-3512.
Account # [redacted]
Owed to: [redacted]
Amount owed: $239.90
Service Address: [redacted]...
[redacted]
This is in response to Ms. [redacted]'s complaint regarding the account referenced above. This account is for power service provided in her name at the service address noted above. A signature is not required to establish utility service.
The account was sent to our office for collection on October 8, 2013. Two collection notices were mailed to the current address in her complaint on October 21, 2013 and December 6, 2013. Neither were returned so we assume delivery. Our mail is sent "Return Service Requested" so we are notified if the piece is not deliverable. In addition, another service we use called National Change of Address Register (NCOA) located the current address for Ms. [redacted].
The account remains unpaid. If she chooses to pay the account we will ask the credit reporting agencies to update the balance to reflect the paid status.
[redacted]
Vice President & COO
This is in
response to the Revdex.com complaint issued by [redacted] regarding his account with
[redacted] in the amount of $54.50.
The account is the final bill for electric service...
provided in his name
at [redacted] Wilmington, NC. The last date of service was December
4, 2012. The account was sent to our office for
collection on January 8, 2013.
Our records indicate
we sent Mr. [redacted] 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, 2013 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 [redacted]. We also attempted to reach Mr. [redacted] by
telephone five times but were unsuccessful. The third notice we sent on February
8, 2013 provided him with 35 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. [redacted], we made no promises this account would be deleted
from his credit report and neither did [redacted]. Their records indicate that he contacted them
on September 10, 2013 to inquire about the balance on the account. He was quoted $54.50 which he paid. The payment was posted on September 11, 2013
to the account. There is no
documentation in [redacted]’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. [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 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. [redacted] 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.
[redacted]
Vice
President & COO
[redacted]
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