I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution at least appears to stop the callsThe bigger issue it seems they have not acknowledged is using information to call people that have no legal tie to the debt over and overThey only removed our number with threat of this through the Revdex.comI will not be pursuing this subject further but wanted this important point noted Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide thefollowing response:On December 13, 2015, our client placed the consumer’s account in our office for collectionAttempts tocontact the consumer were made; however, to date, all attempts have been unsuccessful.As a matter of explanation, calls are intended to maintain an open line of communication to aide consumersin resolving their accounts and remain up-to-date on the status of their program; these calls are not intendedto harassAny communication intends to remind consumers of an obligation, help to avoid negativeconsequences, and inform consumers about options for resolution.Correspondence was mailed to the consumer regarding this matter to the same mailing address listed on thecomplaint she submitted to your officeThis correspondence contained our office’s contact information andhas not been returned to our office as undeliverableWe have updated the consumer’s account to reflect herrequest for no communication from our officeHowever; we encourage the consumer to contact our officeto discuss the accountWe have several different options available to assist the consumer in resolving thisaccount.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibilityfor protecting the consumer’s privacy, and non-public information from being viewed by thirdpartiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition,there may be other federal and/or state privacy laws that apply to release of information regarding theconsumer in questionTherefore, because of the possibility that the customer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regardingthe consumer from our response
Complaint ID: [redacted] Dear ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response:Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have been programmed to prevent outbound calls to the phone number in the futureWe appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] We received and reviewed the correspondence regarding the complainantand provide the following response:On October 2, 2016, a personal business matter was placed in our office matching thecomplainant’s informationOur office attempted to contact the complainant regarding the matter;however, despite contact efforts, our office has not had an opportunity to speak with thecomplainantRecords do not support harassment or threatening of any kindAdditionally, to date,only one notice has been mailed to the complainant concerning the personal business matter in ouroffice.As a matter of explanation, any communication was intended to remind the complainant of anobligation, and help to avoid possible negative consequencesDue to the complainant’s requestfor no further communication from our office, we immediately placed her personal business matterin a status of cease and desist and will not be contacting her.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in questionTherefore, because of the possibility that the customer’s complaint and ourresponse may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tothis inquiryWe received and reviewed the correspondence regarding the account and providethe following response:Our client had provided the complainant’s address as a contact address for the consumer ouroffice was attempting to contactUpon receipt of the consumer’s concerns identified throughyour office; our systems were programmed not to mail correspondence to his address in thefutureWe appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In additionthere may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in questionTherefore, because of the possibility that the consumer’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.Please contact our office with any questions or requests for additional information
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] Our office received and reviewed the correspondence regarding the consumer and provides the following response: On November 28, 2016, we mailed an initial validation notice to the address our client provided as the complainant’s last known addressOn April 3, 2017, our office dialed the consumer’s contact number and spoke with an individual who stated they were the consumerThis individual refused to verify their identity and ended the callTo protect consumer privacy our representatives procedurally authenticate the identity of the consumer prior to discussing confidential informationOn April 11, 2017, our office spoke with an individual who identified themselves as the consumer’s spouse and provided our office with a new mailing addressLater this day, our office mailed another initial validation notice to the consumer updated mailing addressUpon receipt of the consumer’s concerns, a request was submitted for validation of the debtThese documents were received on April 25, 2017, and mailed to the consumer a under separate cover Honoring the consumer’s request, we noted in our system to cease and desist collections on the consumer’s accountIf the consumer determines they would like to resolve their defaulted student loan, they must give their permission to resume communication.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer’s additional concerns and provide the following response: Our client has provided the following information regarding the consumer’s concerns with a $and a $fee showing on the accountThese balance adjustments reflect on the account with an entered date of January 13, 2017, which was prior to the date the account was placed in our officeThese adjustments were reflecting payments which were made prior to the client placing the account in our office, and were not fees added by PioneerThe adjustments appeared on our Effective Payment Prior to Placement report; therefore, we updated the account accordinglyPioneer does not report information to credit reporting agencies; therefore, we cannot provide information regarding how these fees are reflecting on the consumer’s credit reportWe are unable to provide further details regarding these fees, due to the account not being placed with our office on the date they occurred On February 11, 2017, our client placed an account in our office in the consumer’s nameThis gave us a permissible purpose pursuant to section 604(a) (3) (A) of the Fair Credit Reporting Act to obtain the credit reportPursuant to that section of the FCRA, a “consumer reporting agency may furnish a consumer report (3) to a person which it has reason to believe (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer”On February 16, 2017, our office received an Experian Credit Report, and two tradelines were reflectedOur office does not report information to consumer reporting agencies; therefore, we cannot speak on behalf of the requested information, and how this account is reflecting on the consumer’s credit report currentlyAlso, our office has not obtained a credit report since the account was paid; therefore, we are unaware of the current status, the impact it has on the consumer’s credit report, or adjustments that may be madeWe suggest the consumer address any further concerns directly to our client While we understand the expressed concerns of the consumer, please note at any time a consumer’s account is in default, the consumer may be subject to involuntary activity in the form of a tax offsetsThe determination of certification for this process is made by our clientOur office does not determine, control the amount, or have any control over the tax offset processOur notes indicate the consumer’s account has been paid in full as of April 13, due to federal offsets; however, Pioneer does not report information to consumer reporting agencies; therefore, the consumer would need to contact the client to verify how the paid account is reflecting on the credit report currently We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state
Dear Beth:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint number *Our office received and reviewed the correspondence regarding thetaxpayer and provides the following response:On May 15, 2015, our client placed past due taxes with our office for collectionsOn June 9, 2015,we first spoke to the taxpayer and explained the amount dueOur representatives assisted thetaxpayer with a payment arrangement and on June 22, 2016, the taxpayer made her final paymentand the case was closedThe three payments the taxpayer refers to were made directly to the Stateof New Jersey.On October 31, 2016, our client placed a new past due tax obligation with our office.Upon review of the file, we believe the taxpayer does not understand that these are separate taxobligations owed to the State of New JerseyOur business records confirm our office has properlyconducted its business based upon the tax records provided by our clientWe encourage thetaxpayer to contact our office to discuss payment arrangements.We agree it is our responsibility to attempt to resolve taxpayer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the taxpayer’s complaint and ourresponses on the Revdex.com’s websiteBy posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the taxpayer’s privacy, and non-public informationfrom being viewed by third partiesPursuant to section 805(b) of the Fair Debt CollectionPractices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the taxpayergiven directly to the debt collector, or the express permission of a court of competent jurisdiction,or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than thetaxpayer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be otherfederal and/or state privacy laws that apply to release of information regarding the taxpayer inquestionTherefore, because of the possibility that the Consumer’s complaint and our responsemay be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal informationregarding the taxpayer from our response
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 belowRegards, [redacted]
:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] Our office received and reviewed the correspondence regarding thecomplainant and provides the following response:On May 12, 2012, our client placed a traffic citation with our office in the complainant’s name.Upon receiving updated location information on January 25, 2016, a notice was mailed to thecomplainant’s address on file advising her of the status of her account in our office.On February 12, 2016, the complainant contacted our office for more information relating to thetraffic citationDuring this contact, the complainant stated she was not the individual whom ouroffice was attempting to contactTo support her dispute, the complainant was asked to providea photocopy of her driver’s license or state I.Dalong with a signed statement disputing thecitationTo date, the complainant has yet to provide our office with this informationOur callrecordings do not corroborate the complainant’s allegations of unprofessional conduct by ourrepresentativesWe encourage the complainant to provide the requested information so we mayassist her in resolving this issue.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third partiesIn addition, there may be other federal and/or state privacy lawsthat apply to release of information regarding the consumer in questionTherefore, because of thepossibility that the defendant’s complaint and our response may be publicly posted on the Revdex.comwebsite; we have omitted all nonpublic, personal information regarding the consumer from ourresponse
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: In an effort to locate another individual, on July 27, 2016, we contacted a person we believed to be affiliated with herThat same day, the complainant contacted our office and stated she did not want any further callsWe immediately placed a do not call on the numbers providedUpon receipt of the complainant’s concerns through your office, her telephone numbers were blocked from being dialed from all of our facilitiesWe appreciate notification of the matter and apologize to the complainant for any inconvenience this matter may have caused We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted] We received and reviewed the correspondence from your office regarding the consumer and provide the following response:Our records indicate the consumer verbally enrolled in the Federal Rehabilitation Loan Program on January 9, At that time the consumer’s qualifying payment was determined based on the information she provided by telephoneOur representative explained upon receipt of her supporting documentation proving her income, her payment may fluctuate and the initial payment quoted was an estimateUpon receiving her W-statements on January 24, 2017, her minimum required payment for the program increased by $On January 25, the consumer rectified the minimum January payment requirement by presenting a payment of $On January 29, our system generated a required notice advising the consumer of the required payment adjustment as required, even though the consumer had already remedied the matterBecause a payment had not posted to her account by the February 9, due date, our system generated a notice indicating the consumer’s payment had not been receivedThese notices did not reference Administrative Wage GarnishmentWe apologize the consumer had experienced technical issues while contacting our office by telephoneWe were unaware of these issues preventing calls from being connected and will monitor and correct this problemPioneer is committed to assisting consumers complete their repayment programsIn addition to remitting payments by telephone, the consumer may remit payment by mail, online, or set up as an automatic recurring paymentThe consumer may also email us at [redacted] or through our website [redacted] with a convenient time the consumer wishes one of our representatives to call herAs the consumer’s complaint also referenced her inability to print a copy of her Rehabilitation agreement, we have mailed a copy to her under separate cover for her recordsShe may contact our Senior Collection Manager MrTim B [redacted] by calling ###-###-#### toll-free or ###-###-#### Ext [redacted] locally to address any issues.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the complainant’s concerns and provide the following response:On November 6, 2015, the complainant contacted our office via telephone and explained his concerns to our representativeWe immediately ceased calls to the complainant and placed a block on his telephone number in an effort to prevent any potential calls in the future from our officeIf any other businesses are contacting the complainant, the complainant will need to address his concerns directly with those businesses.We have honored the complainants request and thank the complainant for notification of this matter.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesIn addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the complainant’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
Dear ***We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint# [redacted] We received and reviewed the correspondence from your office regarding the consumer and provide the following response:We did not provide the consumer’s personal nonpublic information to any unauthorized person nor did we discuss the consumer’s matter in detail with any third partyOur contact attempts to reach the consumer failed and our representatives sought to confirm/correct the consumer’s location information.Upon receipt of the concerns identified by the consumer on April 13, 2017, her account was updated to reflect her request for no further third party callsCurrently, the consumer’s account remains in our officeWe would like to discuss options available to the consumer regarding resolutionShould she have any questions and/or concerns, she can contact our office directly.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response:On July 21, 2015, our client placed an account in our office in the consumer’s name On October 07, 2015, our representatives assisted the consumer's enrollment in the Federal Loan Rehabilitation programDuring the call, the consumer requested that calls to third parties should cease except for calls to references the consumer provided when establishing the Loan Rehabilitation program under circumstances where the consumer could not be contacted regarding her progress in the programThe consumer provided her permission for representatives to reach out to her references in the instance that we were unable to contact her directlyUpon completion of this call, the consumer’s account was updated accordingly.The consumer was advised the Loan Rehabilitation program required the consumer; to sign and return the Rehabilitation Agreement Letter, to provide our office with income documentation, and to adhere to the terms of her repayment agreementWhen our office did not receive the required documents, our representative first attempted to reach the consumer directlyWhen communication attempts failed, our representatives contacted the references the consumer provided.Upon review of the file, we ascertain no merit to allegations raised by the consumerRecords do not substantiate harassment as defined by Federal, State, and Local laws and regulations.As a matter of explanation, calls are intended to maintain an open line of communication to aide consumers in resolving their accounts and remain up-to-date on the status of their program; these calls are not intended to harassAny communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolution.We are unable to proceed with any other communication concerning the account with the consumer due to the consumer’s full cease and desist contained in the complaint submitted through your officeThe consumer must contact our office and rescind the cease and desist before our office may engage in additional communication with her concerning the account in questionA member of our management team will make one additional contact attempt to the consumer to verify she still wishes to be enrolled in the Rehab programCurrently she has payments on file, however; due to the cease and desist, we are unable to mail reminder notices to her about her payments or communicate with her regarding the program and therefore her payments will be removed.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond toComplaint ID [redacted] We received and reviewed the correspondence regarding thecomplainant and provide the following response:On February 07, 2014, our client placed an account in our office in the complainant’s nameOnSeptember 02, 2016, our office spoke with the complainant for the first timeDuring thisconversation, the complainant indicated he was recording the conversationPer internal policies,our representative professionally ended the callTo date, this is the only verbal interaction ouroffice has had with the complainant.Upon review of the file, we ascertain no merit to allegations raised by the consumerRecords donot substantiate harassment as defined by Federal, State, and Local laws and regulationsAs amatter of explanation, communication attempts are intended to maintain an open line ofcommunication to aide individuals in resolving their accounts; these calls are not intended toharassAny communication intends to remind individuals of an obligation, help to avoidnegative consequences, and inform them about options for resolution.While this obligation does not arise from a consumer transaction for office to cease and desistcollection activities, we do respect and have honored the complainant’s request to cease anddesist communication.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.comWe alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsiteBy posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed by third partiesIn addition, there may be other federal and/or state privacy laws that applyto release of information regarding the consumer in questionTherefore, because of the possibilitythat the complaint and our response may be publicly posted on the Revdex.com website, we have omittedall nonpublic, personal information regarding the complainant from our response
February 10, 2017Revdex.com, Inc.Attn: ***Bryant Woods SouthAmherst, NY 14228File Number: [redacted] Dear ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response:Upon review of the file, we ascertain no merit to allegations raised by the consumerRecords do not substantiate excessive calls or harassment as defined by Federal, State, and Local laws and regulationsAs a matter of explanation, calls are intended to maintain an open line of communication to aide consumers in resolving their accounts and remain up-to-date on the status of their program; these calls are not intended to harassAny communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolution.We are unable to proceed with any other communication concerning the account due to the consumer’s full cease and desistThe consumer must rescind the cease and desist before our office may engage in additional communication with him concerning the account in questionShould the consumer provide our office permission to resume we will be able to resume communications concerning the status of his account.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
Revdex.com: I have reviewed the response made by the business in reference to complaint ID *, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I would like to know why I was not contacted by Pioneer prior to this complaint I started sending payments in January When I realized it was the wrong company I contacted them right awayPioneer never let me know they are collecting for the state on my behalf until I sent in this complaint Now as soon as I made this complaint I get a letter from pioneer telling me that they are collecting for the State of NJ Also they do not acknowledge my payment of towards the collection total.I am not satisfied with this reply from pioneer I want to know why I did not receive a letter prior to my complaint to Revdex.com and where is the applied I know what I have to pay and I am willing to pay what is owed but when I ask the questions and I am ignored I see a problem Regards, *
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 [redacted] called on his wife's behalf and is rejecting the business's responseThey are currently out of town for a minimum of days and therefore unable to obtain their mail to address the complaint furtherThey still insist this is not her loan and will contact the Revdex.com upon return of their trip and receipt of the mail from the businessHe further indicated, due to their age, he mailed a letter of request to the business, asking for a copy of the original signed loan documentation by [redacted] for further verificationWe will reopen this complaint when they return and have the ability to obtain their mail and respond to itRegards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the defendant and provide the following response:On July 23, 2013, our client placed the defendant’s account with our officeWritten correspondence is intended to create an open line of communication to aid the defendant in resolving her accounts; correspondence is not intended to “threaten”Any communication intends to remind the defendant of an obligation, help to avoid negative consequences, and inform them about options for resolutionOn March 28, 2017, the defendant was advised she needed to supply supporting documentation regarding her claim of identity theft to the client directly.We are unable to proceed with any other communication concerning the account due to the defendant’s full cease and desistAdditionally, provided the defendant grants us permission to communicate with her regarding the account via telephone, she may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve defendant complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the defendant’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the defendant’s privacy, and non-public information from being viewed by third partiesIn addition, there may be other federal and/or state privacy laws that apply to release of information regarding the defendant in questionTherefore, because of the possibility that the defendant’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the defendant from our response
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution at least appears to stop the callsThe bigger issue it seems they have not acknowledged is using information to call people that have no legal tie to the debt over and overThey only removed our number with threat of this through the Revdex.comI will not be pursuing this subject further but wanted this important point noted Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide thefollowing response:On December 13, 2015, our client placed the consumer’s account in our office for collectionAttempts tocontact the consumer were made; however, to date, all attempts have been unsuccessful.As a matter of explanation, calls are intended to maintain an open line of communication to aide consumersin resolving their accounts and remain up-to-date on the status of their program; these calls are not intendedto harassAny communication intends to remind consumers of an obligation, help to avoid negativeconsequences, and inform consumers about options for resolution.Correspondence was mailed to the consumer regarding this matter to the same mailing address listed on thecomplaint she submitted to your officeThis correspondence contained our office’s contact information andhas not been returned to our office as undeliverableWe have updated the consumer’s account to reflect herrequest for no communication from our officeHowever; we encourage the consumer to contact our officeto discuss the accountWe have several different options available to assist the consumer in resolving thisaccount.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibilityfor protecting the consumer’s privacy, and non-public information from being viewed by thirdpartiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition,there may be other federal and/or state privacy laws that apply to release of information regarding theconsumer in questionTherefore, because of the possibility that the customer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regardingthe consumer from our response
Complaint ID: [redacted] Dear ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response:Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have been programmed to prevent outbound calls to the phone number in the futureWe appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] We received and reviewed the correspondence regarding the complainantand provide the following response:On October 2, 2016, a personal business matter was placed in our office matching thecomplainant’s informationOur office attempted to contact the complainant regarding the matter;however, despite contact efforts, our office has not had an opportunity to speak with thecomplainantRecords do not support harassment or threatening of any kindAdditionally, to date,only one notice has been mailed to the complainant concerning the personal business matter in ouroffice.As a matter of explanation, any communication was intended to remind the complainant of anobligation, and help to avoid possible negative consequencesDue to the complainant’s requestfor no further communication from our office, we immediately placed her personal business matterin a status of cease and desist and will not be contacting her.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of theconsumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debtcollector may not communicate in connection with the collection of any debt, with any personother than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law,the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition theremay be other federal and/or state privacy laws that apply to release of information regarding theconsumer in questionTherefore, because of the possibility that the customer’s complaint and ourresponse may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personalinformation regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tothis inquiryWe received and reviewed the correspondence regarding the account and providethe following response:Our client had provided the complainant’s address as a contact address for the consumer ouroffice was attempting to contactUpon receipt of the consumer’s concerns identified throughyour office; our systems were programmed not to mail correspondence to his address in thefutureWe appreciate notification of the matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s websiteBy posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third partiesPursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In additionthere may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in questionTherefore, because of the possibility that the consumer’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.Please contact our office with any questions or requests for additional information
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] Our office received and reviewed the correspondence regarding the consumer and provides the following response: On November 28, 2016, we mailed an initial validation notice to the address our client provided as the complainant’s last known addressOn April 3, 2017, our office dialed the consumer’s contact number and spoke with an individual who stated they were the consumerThis individual refused to verify their identity and ended the callTo protect consumer privacy our representatives procedurally authenticate the identity of the consumer prior to discussing confidential informationOn April 11, 2017, our office spoke with an individual who identified themselves as the consumer’s spouse and provided our office with a new mailing addressLater this day, our office mailed another initial validation notice to the consumer updated mailing addressUpon receipt of the consumer’s concerns, a request was submitted for validation of the debtThese documents were received on April 25, 2017, and mailed to the consumer a under separate cover Honoring the consumer’s request, we noted in our system to cease and desist collections on the consumer’s accountIf the consumer determines they would like to resolve their defaulted student loan, they must give their permission to resume communication.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer’s additional concerns and provide the following response: Our client has provided the following information regarding the consumer’s concerns with a $and a $fee showing on the accountThese balance adjustments reflect on the account with an entered date of January 13, 2017, which was prior to the date the account was placed in our officeThese adjustments were reflecting payments which were made prior to the client placing the account in our office, and were not fees added by PioneerThe adjustments appeared on our Effective Payment Prior to Placement report; therefore, we updated the account accordinglyPioneer does not report information to credit reporting agencies; therefore, we cannot provide information regarding how these fees are reflecting on the consumer’s credit reportWe are unable to provide further details regarding these fees, due to the account not being placed with our office on the date they occurred On February 11, 2017, our client placed an account in our office in the consumer’s nameThis gave us a permissible purpose pursuant to section 604(a) (3) (A) of the Fair Credit Reporting Act to obtain the credit reportPursuant to that section of the FCRA, a “consumer reporting agency may furnish a consumer report (3) to a person which it has reason to believe (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer”On February 16, 2017, our office received an Experian Credit Report, and two tradelines were reflectedOur office does not report information to consumer reporting agencies; therefore, we cannot speak on behalf of the requested information, and how this account is reflecting on the consumer’s credit report currentlyAlso, our office has not obtained a credit report since the account was paid; therefore, we are unaware of the current status, the impact it has on the consumer’s credit report, or adjustments that may be madeWe suggest the consumer address any further concerns directly to our client While we understand the expressed concerns of the consumer, please note at any time a consumer’s account is in default, the consumer may be subject to involuntary activity in the form of a tax offsetsThe determination of certification for this process is made by our clientOur office does not determine, control the amount, or have any control over the tax offset processOur notes indicate the consumer’s account has been paid in full as of April 13, due to federal offsets; however, Pioneer does not report information to consumer reporting agencies; therefore, the consumer would need to contact the client to verify how the paid account is reflecting on the credit report currently We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state
Dear Beth:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint number *Our office received and reviewed the correspondence regarding thetaxpayer and provides the following response:On May 15, 2015, our client placed past due taxes with our office for collectionsOn June 9, 2015,we first spoke to the taxpayer and explained the amount dueOur representatives assisted thetaxpayer with a payment arrangement and on June 22, 2016, the taxpayer made her final paymentand the case was closedThe three payments the taxpayer refers to were made directly to the Stateof New Jersey.On October 31, 2016, our client placed a new past due tax obligation with our office.Upon review of the file, we believe the taxpayer does not understand that these are separate taxobligations owed to the State of New JerseyOur business records confirm our office has properlyconducted its business based upon the tax records provided by our clientWe encourage thetaxpayer to contact our office to discuss payment arrangements.We agree it is our responsibility to attempt to resolve taxpayer complaints presented to theRevdex.comWe also understand the Revdex.com may or may not publish the taxpayer’s complaint and ourresponses on the Revdex.com’s websiteBy posting this information on your website, we believe that theRevdex.com has assumed responsibility for protecting the taxpayer’s privacy, and non-public informationfrom being viewed by third partiesPursuant to section 805(b) of the Fair Debt CollectionPractices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the taxpayergiven directly to the debt collector, or the express permission of a court of competent jurisdiction,or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may notcommunicate in connection with the collection of any debt, with any person other than thetaxpayer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor,the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be otherfederal and/or state privacy laws that apply to release of information regarding the taxpayer inquestionTherefore, because of the possibility that the Consumer’s complaint and our responsemay be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal informationregarding the taxpayer from our response
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 belowRegards, [redacted]
:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint # [redacted] Our office received and reviewed the correspondence regarding thecomplainant and provides the following response:On May 12, 2012, our client placed a traffic citation with our office in the complainant’s name.Upon receiving updated location information on January 25, 2016, a notice was mailed to thecomplainant’s address on file advising her of the status of her account in our office.On February 12, 2016, the complainant contacted our office for more information relating to thetraffic citationDuring this contact, the complainant stated she was not the individual whom ouroffice was attempting to contactTo support her dispute, the complainant was asked to providea photocopy of her driver’s license or state I.Dalong with a signed statement disputing thecitationTo date, the complainant has yet to provide our office with this informationOur callrecordings do not corroborate the complainant’s allegations of unprofessional conduct by ourrepresentativesWe encourage the complainant to provide the requested information so we mayassist her in resolving this issue.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third partiesIn addition, there may be other federal and/or state privacy lawsthat apply to release of information regarding the consumer in questionTherefore, because of thepossibility that the defendant’s complaint and our response may be publicly posted on the Revdex.comwebsite; we have omitted all nonpublic, personal information regarding the consumer from ourresponse
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: In an effort to locate another individual, on July 27, 2016, we contacted a person we believed to be affiliated with herThat same day, the complainant contacted our office and stated she did not want any further callsWe immediately placed a do not call on the numbers providedUpon receipt of the complainant’s concerns through your office, her telephone numbers were blocked from being dialed from all of our facilitiesWe appreciate notification of the matter and apologize to the complainant for any inconvenience this matter may have caused We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted] We received and reviewed the correspondence from your office regarding the consumer and provide the following response:Our records indicate the consumer verbally enrolled in the Federal Rehabilitation Loan Program on January 9, At that time the consumer’s qualifying payment was determined based on the information she provided by telephoneOur representative explained upon receipt of her supporting documentation proving her income, her payment may fluctuate and the initial payment quoted was an estimateUpon receiving her W-statements on January 24, 2017, her minimum required payment for the program increased by $On January 25, the consumer rectified the minimum January payment requirement by presenting a payment of $On January 29, our system generated a required notice advising the consumer of the required payment adjustment as required, even though the consumer had already remedied the matterBecause a payment had not posted to her account by the February 9, due date, our system generated a notice indicating the consumer’s payment had not been receivedThese notices did not reference Administrative Wage GarnishmentWe apologize the consumer had experienced technical issues while contacting our office by telephoneWe were unaware of these issues preventing calls from being connected and will monitor and correct this problemPioneer is committed to assisting consumers complete their repayment programsIn addition to remitting payments by telephone, the consumer may remit payment by mail, online, or set up as an automatic recurring paymentThe consumer may also email us at [redacted] or through our website [redacted] with a convenient time the consumer wishes one of our representatives to call herAs the consumer’s complaint also referenced her inability to print a copy of her Rehabilitation agreement, we have mailed a copy to her under separate cover for her recordsShe may contact our Senior Collection Manager MrTim B [redacted] by calling ###-###-#### toll-free or ###-###-#### Ext [redacted] locally to address any issues.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the complainant’s concerns and provide the following response:On November 6, 2015, the complainant contacted our office via telephone and explained his concerns to our representativeWe immediately ceased calls to the complainant and placed a block on his telephone number in an effort to prevent any potential calls in the future from our officeIf any other businesses are contacting the complainant, the complainant will need to address his concerns directly with those businesses.We have honored the complainants request and thank the complainant for notification of this matter.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesIn addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the complainant’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
Dear ***We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint# [redacted] We received and reviewed the correspondence from your office regarding the consumer and provide the following response:We did not provide the consumer’s personal nonpublic information to any unauthorized person nor did we discuss the consumer’s matter in detail with any third partyOur contact attempts to reach the consumer failed and our representatives sought to confirm/correct the consumer’s location information.Upon receipt of the concerns identified by the consumer on April 13, 2017, her account was updated to reflect her request for no further third party callsCurrently, the consumer’s account remains in our officeWe would like to discuss options available to the consumer regarding resolutionShould she have any questions and/or concerns, she can contact our office directly.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response:On July 21, 2015, our client placed an account in our office in the consumer’s name On October 07, 2015, our representatives assisted the consumer's enrollment in the Federal Loan Rehabilitation programDuring the call, the consumer requested that calls to third parties should cease except for calls to references the consumer provided when establishing the Loan Rehabilitation program under circumstances where the consumer could not be contacted regarding her progress in the programThe consumer provided her permission for representatives to reach out to her references in the instance that we were unable to contact her directlyUpon completion of this call, the consumer’s account was updated accordingly.The consumer was advised the Loan Rehabilitation program required the consumer; to sign and return the Rehabilitation Agreement Letter, to provide our office with income documentation, and to adhere to the terms of her repayment agreementWhen our office did not receive the required documents, our representative first attempted to reach the consumer directlyWhen communication attempts failed, our representatives contacted the references the consumer provided.Upon review of the file, we ascertain no merit to allegations raised by the consumerRecords do not substantiate harassment as defined by Federal, State, and Local laws and regulations.As a matter of explanation, calls are intended to maintain an open line of communication to aide consumers in resolving their accounts and remain up-to-date on the status of their program; these calls are not intended to harassAny communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolution.We are unable to proceed with any other communication concerning the account with the consumer due to the consumer’s full cease and desist contained in the complaint submitted through your officeThe consumer must contact our office and rescind the cease and desist before our office may engage in additional communication with her concerning the account in questionA member of our management team will make one additional contact attempt to the consumer to verify she still wishes to be enrolled in the Rehab programCurrently she has payments on file, however; due to the cease and desist, we are unable to mail reminder notices to her about her payments or communicate with her regarding the program and therefore her payments will be removed.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond toComplaint ID [redacted] We received and reviewed the correspondence regarding thecomplainant and provide the following response:On February 07, 2014, our client placed an account in our office in the complainant’s nameOnSeptember 02, 2016, our office spoke with the complainant for the first timeDuring thisconversation, the complainant indicated he was recording the conversationPer internal policies,our representative professionally ended the callTo date, this is the only verbal interaction ouroffice has had with the complainant.Upon review of the file, we ascertain no merit to allegations raised by the consumerRecords donot substantiate harassment as defined by Federal, State, and Local laws and regulationsAs amatter of explanation, communication attempts are intended to maintain an open line ofcommunication to aide individuals in resolving their accounts; these calls are not intended toharassAny communication intends to remind individuals of an obligation, help to avoidnegative consequences, and inform them about options for resolution.While this obligation does not arise from a consumer transaction for office to cease and desistcollection activities, we do respect and have honored the complainant’s request to cease anddesist communication.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.comWe alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsiteBy posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed by third partiesIn addition, there may be other federal and/or state privacy laws that applyto release of information regarding the consumer in questionTherefore, because of the possibilitythat the complaint and our response may be publicly posted on the Revdex.com website, we have omittedall nonpublic, personal information regarding the complainant from our response
February 10, 2017Revdex.com, Inc.Attn: ***Bryant Woods SouthAmherst, NY 14228File Number: [redacted] Dear ***:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the consumer and provide the following response:Upon review of the file, we ascertain no merit to allegations raised by the consumerRecords do not substantiate excessive calls or harassment as defined by Federal, State, and Local laws and regulationsAs a matter of explanation, calls are intended to maintain an open line of communication to aide consumers in resolving their accounts and remain up-to-date on the status of their program; these calls are not intended to harassAny communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolution.We are unable to proceed with any other communication concerning the account due to the consumer’s full cease and desistThe consumer must rescind the cease and desist before our office may engage in additional communication with him concerning the account in questionShould the consumer provide our office permission to resume we will be able to resume communications concerning the status of his account.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesPursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) U.S.C§ 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
Revdex.com: I have reviewed the response made by the business in reference to complaint ID *, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I would like to know why I was not contacted by Pioneer prior to this complaint I started sending payments in January When I realized it was the wrong company I contacted them right awayPioneer never let me know they are collecting for the state on my behalf until I sent in this complaint Now as soon as I made this complaint I get a letter from pioneer telling me that they are collecting for the State of NJ Also they do not acknowledge my payment of towards the collection total.I am not satisfied with this reply from pioneer I want to know why I did not receive a letter prior to my complaint to Revdex.com and where is the applied I know what I have to pay and I am willing to pay what is owed but when I ask the questions and I am ignored I see a problem Regards, *
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 [redacted] called on his wife's behalf and is rejecting the business's responseThey are currently out of town for a minimum of days and therefore unable to obtain their mail to address the complaint furtherThey still insist this is not her loan and will contact the Revdex.com upon return of their trip and receipt of the mail from the businessHe further indicated, due to their age, he mailed a letter of request to the business, asking for a copy of the original signed loan documentation by [redacted] for further verificationWe will reopen this complaint when they return and have the ability to obtain their mail and respond to itRegards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted] We received and reviewed the correspondence regarding the defendant and provide the following response:On July 23, 2013, our client placed the defendant’s account with our officeWritten correspondence is intended to create an open line of communication to aid the defendant in resolving her accounts; correspondence is not intended to “threaten”Any communication intends to remind the defendant of an obligation, help to avoid negative consequences, and inform them about options for resolutionOn March 28, 2017, the defendant was advised she needed to supply supporting documentation regarding her claim of identity theft to the client directly.We are unable to proceed with any other communication concerning the account due to the defendant’s full cease and desistAdditionally, provided the defendant grants us permission to communicate with her regarding the account via telephone, she may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve defendant complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the defendant’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the defendant’s privacy, and non-public information from being viewed by third partiesIn addition, there may be other federal and/or state privacy laws that apply to release of information regarding the defendant in questionTherefore, because of the possibility that the defendant’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the defendant from our response