We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to File Number [redacted] Our office received and reviewed the correspondence regarding the consumer and provides the following response: Our records indicate that on September 25, 2014, our office assisted the complainant in his efforts to resolve his personal business matter with our client through a program prescribed under federal regulationsThe complainant successfully completed his program and his file was removed from our office July 10, For more information, related to benefits at the conclusion of that program, the complainant is encouraged to contact our clientOur office carried through our obligations associated with the program and does not report information to consumer reporting agencies related to this complainant on behalf of our clientAfter a review of the complainant’s concerns, we find that our representatives clearly and accurately explained the rules and benefits of the program to the complainant verbally and in writingWe thank the complainant for expressing his concerns to our officeWe 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 Customer’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
Pioneer Credit Recovery, Inc(“Pioneer”) thanks the Revdex.com (Revdex.com) for theopportunity to investigate and respond to complaint ID [redacted] We received and reviewed thecorrespondence regarding the consumer and provide the following response:The consumer’s defaulted federal student loan account was processed for administrative wagegarnishment pursuant to federal regulations in August of and the first garnishment paymentwas posted to the consumer’s account on October 14, Our client, a Guaranty Agency, is alsorequired by federal regulations to attempt Federal Tax Offset to obtain payment for the unpaidbalance of defaulted federal student loansOn February 17, 2016, a Federal Offset was applied tothe consumer’s accountPioneer’s records show that an order to release the administrative wagegarnishment was mailed to the consumer’s employer on February 18, because the offsetappeared to result in the satisfaction of the accountIn practice, if an overpayment should occurdue to the timing of an administrative wage garnishment process, the overpayment is refunded asapplicableIn this instance, our client issued a refund check in the amount of $to theconsumer on February 29, 2016.In summary, we find that Pioneer followed through with the processes necessary to ultimatelyreach the right resolution for this consumerWe understand the consumer’s concerns and notethat the account has been satisfied and the overpayment was refunded.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 consumer’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 to complaint # [redacted] Our office received and reviewed the correspondence regarding the consumer and provides the following response: On April 14, 2017, our client placed an account in our office in the consumer’s nameOn April 16, 2017, our office mailed an initial validation notice to the address our client provided as the consumer’s last known mailing addressOur office was not notified of a mail return from the United States Postal ServiceOur representative’s attempted to contact the consumer to assist in resolving the account, and when our attempts were unsuccessful, we contacted the borrower at his place of employmentThe consumer notified our office they are not allowed personal calls at work, and the account has been updated to prevent any future calls to the consumer’s place of employmentUpon speaking with the consumer, we were notified the address on file was incorrectOur representative updated the consumer’s address, and our office has requested Validation Documents from our client to be forwarded to the consumer upon receiptWe encourage the consumer to contact our office so we may assist him with establishing a voluntary arrangement on the accountWe 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 Customer’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
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 you should have told me who you were looking for but did not so in the future instead of harassing someone you might want to tell people who you are looking for? very unprofessional on your businesses partin the future try leaving a actual message from a actual human being Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted] We have received and reviewed the correspondence received regarding the complainant and provide the following response: Records indicate that we contacted the complainant in attempts to verify/obtain location information for an individual whom we are seeking communication withOur representative explained to the complainant we believed the she may have had the correct contact information for our intended party Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have been programmed not to dial the phone number in the futureWe appreciate notification of the matter and apologize 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.” Inaddition, 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 responsePlease contact our office with any questions or requests for additional information
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
We 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:Upon review of the file, we find that our office has honored the consumer’s request to cease attempts to communicate with her by telephoneConcerning an attempt to communicate with the consumer’s employer, Administrative wage garnishment is permissible pertaining to this matter under federal regulation CFR and employment verification confirms whether this approach is potential means for recovery Our business records do not reflect that the consumer established a settlement, an arrangement, or is subject to a current garnishment with respect to this matterWe have communicated this consumer’s concerns and claims to our clientIt should be noted that during our only contact with the consumer, we tried to assist her and the phone conversation was abruptly ended by consumerAll further attempts to contact the consumer have been unsuccessfulOur office has received validation documents from our client and we will forward to the consumer under separate cover We encourage the consumer to contact our office so we may assist herThere are federal programs she may be eligible forWith some patience, and open communication, we believe that our representatives have the ability to offer this consumer satisfactory resolutionWe 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: According to account notes and a review of our recordings, we maintain that our representatives followed protocols and procedures implemented for the release of a garnishmentAs a result of the consumer providing a payment confirmation the same day a request for garnishment release had been ordered, the change in the account disposition resulted in the system requested release being overriddenThis was an unknown system issue due to the rarity of the concurrent system changesUpon identifying the error, prompt action was taken to remedy the matterOur records indicate the release was faxed to the consumer’s employer within seven (7) business days of the payment posting to the account We apologize for any inconveniencesShould the consumer have additional questions or concerns regarding the account, she may contact our office.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 (BBB) for the opportunity to investigate and respond to Complaint File # [redacted] . We received and reviewed the correspondence regarding the account and provide the following response:Our records show our office called a number ending in [redacted] in an effort to reach... our intended party. On October 14, 2016, the complainant contacted our office stating he did not want to receive calls from our company. Before the complainant’s call, our office was unaware the [redacted] number would not assist our ability to communicate with our intended party, nor were we previously notified to prevent any calls to this number. At this time, our systems are programmed to prevent future calls to the numbers ending in [redacted] and 2901. We do appreciate the complainant’s notification of the issue and believe we have fully addressed the concerns raised.We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 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 question. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response. Please contact our office with any questions or requests for additional information.
Dear ***:On July 14, 2014, our client placed an account in our office in the complainant’s name.On January 21, 2016, our office was notified of the complainant’s payment being returned due to insufficient fundsDue to the payment being returned for insufficient funds, our office could no longer accept personal checks from the complainantOn February 25, 2016, we received a check from the complainantThe complainant believed the check to be a cashier’s check; however, we verified the payment received was a bill pay check which was attached to the complainant’s personal checking account and therefore, considered a personal check.On January 29, 2016, as well as on March 3, 2016, the complainant was advised of this information and provided with alternative payment methods, to include payment via money orderOn March 4, 2016, our company received another bill pay check from the complainant to be applied to the account in our office; as before, this payment was returned to the complainantIf the complainant has further questions or concerns regarding payment options, he is encouraged to contact our office for additional information.We agree it is our responsibility to attempt to resolve complainant complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the complainant’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 complainant’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 complainant 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 complainant 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 belowI have not heard any response about the effect this is having on my recently a 3$ and a $ fee were added to the account and all the payment history looks past due and it's gendering me from moving further with my life I want them removed from my reports and everything will be fine Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, Lisa Dumas
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiryWe received and reviewed the correspondence regarding the account and provide the following response:We have reviewed our business record related to complaint ID [redacted] We find our representative contacted the complainant to obtain location informationOur representative did not request the complainant’s action, rather the complainant offered to personally deliver a messageOur representative also did not state the call was a “personal legal matter”Immediately upon the complainant’s request to cease future calls, our systems were appropriately updated.Thank you for providing our office with the opportunity to respond.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 partiesThere may be federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility the 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.Please contact our office with any questions or requests for additional information
We thank the RevDex.com (BBB) 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:On May 21, 2012, our client placed the consumer’s account with our... office. Initial contact with the consumer occurred on June 12, 2012. During the conversation, our representatives assisted the consumer with enrolling into the Loan Rehabilitation Program. As the consumer stated, she secured payments on file for the length of the program, with her payments beginning on June 26, 2012 and all remaining payments dated for the 26th of each month through February 26, 2013.At the time of enrollment, it was our standard practice to educate consumers on the benefits of the program, including the [redacted] ’s waiver of collection costs remaining on the loan upon successful completion of the program. According to our account notes, the consumer successfully met all requirements and her account was funded on March 6, 2013. At that time, the remaining collection costs to be waived by the [redacted] for the consumer’s loan were approximately $17, 317. As our relationship with the borrower ends upon successful rehabilitation completion, we are unable to confirm the specific amount waived as our client completes that activity. If the consumer requires additional information about the balance, we recommend she contact her new servicer for further assistance.We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 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.” Inaddition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the BBB 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 [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me except where they "find no merit." I have saved the voicemail received from the company As long as they do not contact me again I have no need to share the voicemail
Regards,
*** ***
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 was never given an option to leave a message when I calledThis is a statementI was placed on hold and minutes after that the line went dead. I did however finally connect with an agent after failed attempts to reach themI tried repeatedly to state on the recorded line that they do not have my permission to contact anyone other than me and the agent repeatedly interrupted me while I was trying to do thisI even informed her I had filed a complaint with Revdex.com She did however, connect me with a very nice agent and I believe we found resolveHowever, they were supposed to call me at 2pm that afternoon but they never didI did not tell them not to contact me, I told them to only contact meThe recorded call should reflect thisThe simple matter of the inconsistencies in their response shows how unprofessional this company can be. *** Regards, *** ***
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 belowI was enrolled in a payment plan since November of and the adjust mentioned was made and reflected on January billing not DecemberI made my first payment in November.
Regards,
*** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint number: ***Our office received and reviewed the correspondence regardingthe complainant’s concerns and we provide following response:As a matter of explanation, on May 2, 2011, an unpaid
traffic citation from August 31, 2010,matching the complainant’s name and location was placed in our office for collectionWeattempted to contact the individual via regular mail on January 24, Upon receipt of thecomplainant’s concerns through your office, we have suspended collection activitiesHowever,in an effort to investigate this matter further, our office would appreciate documentationsupporting the complainant’s dispute such a receipt for payment.While this obligation does not arise from a consumer transaction we do respect and have honoredthe complainant’s request to cease and desist communicationThe complainant may wish tocontact our office for further information to resolve the outstanding amount.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 partiesIn addition, there may be other federal and/orstate privacy laws that apply to release of information regarding the consumer inquestionTherefore, because of the possibility that the defendant’s complaint and our responsemay be publicly posted on the Revdex.com website; we have omitted all nonpublic, personalinformation 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
Regards,
*** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to File Number [redacted] Our office received and reviewed the correspondence regarding the consumer and provides the following response: Our records indicate that on September 25, 2014, our office assisted the complainant in his efforts to resolve his personal business matter with our client through a program prescribed under federal regulationsThe complainant successfully completed his program and his file was removed from our office July 10, For more information, related to benefits at the conclusion of that program, the complainant is encouraged to contact our clientOur office carried through our obligations associated with the program and does not report information to consumer reporting agencies related to this complainant on behalf of our clientAfter a review of the complainant’s concerns, we find that our representatives clearly and accurately explained the rules and benefits of the program to the complainant verbally and in writingWe thank the complainant for expressing his concerns to our officeWe 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 Customer’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
Pioneer Credit Recovery, Inc(“Pioneer”) thanks the Revdex.com (Revdex.com) for theopportunity to investigate and respond to complaint ID [redacted] We received and reviewed thecorrespondence regarding the consumer and provide the following response:The consumer’s defaulted federal student loan account was processed for administrative wagegarnishment pursuant to federal regulations in August of and the first garnishment paymentwas posted to the consumer’s account on October 14, Our client, a Guaranty Agency, is alsorequired by federal regulations to attempt Federal Tax Offset to obtain payment for the unpaidbalance of defaulted federal student loansOn February 17, 2016, a Federal Offset was applied tothe consumer’s accountPioneer’s records show that an order to release the administrative wagegarnishment was mailed to the consumer’s employer on February 18, because the offsetappeared to result in the satisfaction of the accountIn practice, if an overpayment should occurdue to the timing of an administrative wage garnishment process, the overpayment is refunded asapplicableIn this instance, our client issued a refund check in the amount of $to theconsumer on February 29, 2016.In summary, we find that Pioneer followed through with the processes necessary to ultimatelyreach the right resolution for this consumerWe understand the consumer’s concerns and notethat the account has been satisfied and the overpayment was refunded.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 consumer’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 to complaint # [redacted] Our office received and reviewed the correspondence regarding the consumer and provides the following response: On April 14, 2017, our client placed an account in our office in the consumer’s nameOn April 16, 2017, our office mailed an initial validation notice to the address our client provided as the consumer’s last known mailing addressOur office was not notified of a mail return from the United States Postal ServiceOur representative’s attempted to contact the consumer to assist in resolving the account, and when our attempts were unsuccessful, we contacted the borrower at his place of employmentThe consumer notified our office they are not allowed personal calls at work, and the account has been updated to prevent any future calls to the consumer’s place of employmentUpon speaking with the consumer, we were notified the address on file was incorrectOur representative updated the consumer’s address, and our office has requested Validation Documents from our client to be forwarded to the consumer upon receiptWe encourage the consumer to contact our office so we may assist him with establishing a voluntary arrangement on the accountWe 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 Customer’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
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 you should have told me who you were looking for but did not so in the future instead of harassing someone you might want to tell people who you are looking for? very unprofessional on your businesses partin the future try leaving a actual message from a actual human being Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted] We have received and reviewed the correspondence received regarding the complainant and provide the following response: Records indicate that we contacted the complainant in attempts to verify/obtain location information for an individual whom we are seeking communication withOur representative explained to the complainant we believed the she may have had the correct contact information for our intended party Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have been programmed not to dial the phone number in the futureWe appreciate notification of the matter and apologize 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.” Inaddition, 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 responsePlease contact our office with any questions or requests for additional information
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
We 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:Upon review of the file, we find that our office has honored the consumer’s request to cease attempts to communicate with her by telephoneConcerning an attempt to communicate with the consumer’s employer, Administrative wage garnishment is permissible pertaining to this matter under federal regulation CFR and employment verification confirms whether this approach is potential means for recovery Our business records do not reflect that the consumer established a settlement, an arrangement, or is subject to a current garnishment with respect to this matterWe have communicated this consumer’s concerns and claims to our clientIt should be noted that during our only contact with the consumer, we tried to assist her and the phone conversation was abruptly ended by consumerAll further attempts to contact the consumer have been unsuccessfulOur office has received validation documents from our client and we will forward to the consumer under separate cover We encourage the consumer to contact our office so we may assist herThere are federal programs she may be eligible forWith some patience, and open communication, we believe that our representatives have the ability to offer this consumer satisfactory resolutionWe 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: According to account notes and a review of our recordings, we maintain that our representatives followed protocols and procedures implemented for the release of a garnishmentAs a result of the consumer providing a payment confirmation the same day a request for garnishment release had been ordered, the change in the account disposition resulted in the system requested release being overriddenThis was an unknown system issue due to the rarity of the concurrent system changesUpon identifying the error, prompt action was taken to remedy the matterOur records indicate the release was faxed to the consumer’s employer within seven (7) business days of the payment posting to the account We apologize for any inconveniencesShould the consumer have additional questions or concerns regarding the account, she may contact our office.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 (BBB) for the opportunity to investigate and respond to Complaint File # [redacted] . We received and reviewed the correspondence regarding the account and provide the following response:Our records show our office called a number ending in [redacted] in an effort to reach... our intended party. On October 14, 2016, the complainant contacted our office stating he did not want to receive calls from our company. Before the complainant’s call, our office was unaware the [redacted] number would not assist our ability to communicate with our intended party, nor were we previously notified to prevent any calls to this number. At this time, our systems are programmed to prevent future calls to the numbers ending in [redacted] and 2901. We do appreciate the complainant’s notification of the issue and believe we have fully addressed the concerns raised.We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 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 question. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response. Please contact our office with any questions or requests for additional information.
Dear ***:On July 14, 2014, our client placed an account in our office in the complainant’s name.On January 21, 2016, our office was notified of the complainant’s payment being returned due to insufficient fundsDue to the payment being returned for insufficient funds, our office could no longer accept personal checks from the complainantOn February 25, 2016, we received a check from the complainantThe complainant believed the check to be a cashier’s check; however, we verified the payment received was a bill pay check which was attached to the complainant’s personal checking account and therefore, considered a personal check.On January 29, 2016, as well as on March 3, 2016, the complainant was advised of this information and provided with alternative payment methods, to include payment via money orderOn March 4, 2016, our company received another bill pay check from the complainant to be applied to the account in our office; as before, this payment was returned to the complainantIf the complainant has further questions or concerns regarding payment options, he is encouraged to contact our office for additional information.We agree it is our responsibility to attempt to resolve complainant complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the complainant’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 complainant’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 complainant 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 complainant 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 belowI have not heard any response about the effect this is having on my recently a 3$ and a $ fee were added to the account and all the payment history looks past due and it's gendering me from moving further with my life I want them removed from my reports and everything will be fine Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, Lisa Dumas
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiryWe received and reviewed the correspondence regarding the account and provide the following response:We have reviewed our business record related to complaint ID [redacted] We find our representative contacted the complainant to obtain location informationOur representative did not request the complainant’s action, rather the complainant offered to personally deliver a messageOur representative also did not state the call was a “personal legal matter”Immediately upon the complainant’s request to cease future calls, our systems were appropriately updated.Thank you for providing our office with the opportunity to respond.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 partiesThere may be federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility the 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.Please contact our office with any questions or requests for additional information
We thank the RevDex.com (BBB) 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:On May 21, 2012, our client placed the consumer’s account with our... office. Initial contact with the consumer occurred on June 12, 2012. During the conversation, our representatives assisted the consumer with enrolling into the Loan Rehabilitation Program. As the consumer stated, she secured payments on file for the length of the program, with her payments beginning on June 26, 2012 and all remaining payments dated for the 26th of each month through February 26, 2013.At the time of enrollment, it was our standard practice to educate consumers on the benefits of the program, including the [redacted] ’s waiver of collection costs remaining on the loan upon successful completion of the program. According to our account notes, the consumer successfully met all requirements and her account was funded on March 6, 2013. At that time, the remaining collection costs to be waived by the [redacted] for the consumer’s loan were approximately $17, 317. As our relationship with the borrower ends upon successful rehabilitation completion, we are unable to confirm the specific amount waived as our client completes that activity. If the consumer requires additional information about the balance, we recommend she contact her new servicer for further assistance.We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 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.” Inaddition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the BBB 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 [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me except where they "find no merit." I have saved the voicemail received from the company As long as they do not contact me again I have no need to share the voicemail
Regards,
*** ***
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 was never given an option to leave a message when I calledThis is a statementI was placed on hold and minutes after that the line went dead. I did however finally connect with an agent after failed attempts to reach themI tried repeatedly to state on the recorded line that they do not have my permission to contact anyone other than me and the agent repeatedly interrupted me while I was trying to do thisI even informed her I had filed a complaint with Revdex.com She did however, connect me with a very nice agent and I believe we found resolveHowever, they were supposed to call me at 2pm that afternoon but they never didI did not tell them not to contact me, I told them to only contact meThe recorded call should reflect thisThe simple matter of the inconsistencies in their response shows how unprofessional this company can be. *** Regards, *** ***
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 belowI was enrolled in a payment plan since November of and the adjust mentioned was made and reflected on January billing not DecemberI made my first payment in November.
Regards,
*** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint number: ***Our office received and reviewed the correspondence regardingthe complainant’s concerns and we provide following response:As a matter of explanation, on May 2, 2011, an unpaid
traffic citation from August 31, 2010,matching the complainant’s name and location was placed in our office for collectionWeattempted to contact the individual via regular mail on January 24, Upon receipt of thecomplainant’s concerns through your office, we have suspended collection activitiesHowever,in an effort to investigate this matter further, our office would appreciate documentationsupporting the complainant’s dispute such a receipt for payment.While this obligation does not arise from a consumer transaction we do respect and have honoredthe complainant’s request to cease and desist communicationThe complainant may wish tocontact our office for further information to resolve the outstanding amount.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 partiesIn addition, there may be other federal and/orstate privacy laws that apply to release of information regarding the consumer inquestionTherefore, because of the possibility that the defendant’s complaint and our responsemay be publicly posted on the Revdex.com website; we have omitted all nonpublic, personalinformation 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
Regards,
*** ***