We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiry. We received and reviewed the correspondence regarding the account and provide the following response:Upon review of the file, we conclude our business records do not show any harassing behavior,...
or harassing call pattern, as our calls are not made with any intent to harass the complainant.We understand the complainant’s concerns identified through your office; in response, our systems were programmed not to dial this number in the future. We 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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.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 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 information. Our office attempted to contact the complainant regarding the matter;however, despite contact efforts, our office has not had an opportunity to speak with thecomplainant. Records do not support harassment or threatening of any kind. Additionally, 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 consequences. Due 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By 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 parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 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 question. Therefore, 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 to complaint #[redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: Regarding the call which took place on July 7, 2016. Due to high call volume for the representatives we had on staff at the time, the consumer was placed on hold; however, the hold was not excessive. The consumer was offered an option to receive a return call from one of our representatives rather than remain waiting. Our representatives attempted to contact the consumer on July 8, 2016, at the requested time of 2:00 p.m.; however, they were unable to reach her. At the consumer’s request we shall restrict calls on her account according to the directions she provided. We thank the consumer for her complimentary correspondence regarding our representative and we are glad she is in the process of resolving this matter. Please advise the consumer our representatives are available to assist her. 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 responses on the Revdex.com’s website. By 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 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 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.
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...
collections. On June 9, 2015,we first spoke to the taxpayer and explained the amount due. Our representatives assisted thetaxpayer with a payment arrangement and on June 22, 2016, the taxpayer made her final paymentand the case was closed. The 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 Jersey. Our business records confirm our office has properlyconducted its business based upon the tax records provided by our client. We 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.com. We also understand the Revdex.com may or may not publish the taxpayer’s complaint and ourresponses on the Revdex.com’s website. By 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 parties. Pursuant to section 805(b) of the Fair Debt CollectionPractices Act (FDCPA) 15 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 inquestion. Therefore, 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 below. The "client" as you state puts the responsibility of providing proof of payment onto pioneer. There is no excuse for giving pioneer payment and getting nothing in return. What do I have that proves that it was paid? A debt collectors word? And no, there is no such email I my spam. Regards, [redacted]
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 calls. The bigger issue it seems they have not acknowledged is using information to call people that have no legal tie to the debt over and over. They only removed our number with threat of this through the Revdex.com. I will not be pursuing this subject further but wanted this important point noted.
Regards,
[redacted]
April 10, 2017Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228RE: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiry. We received and reviewed the correspondence regarding the account and provide the...
following response:Upon review of the file, we find no merit to allegations raised by the consumer. Our business records do not show any harassing behavior or harassing call pattern and our calls are not made with any intent to harass the complainant.Upon receipt of the consumer’s concerns; our systems were programmed not to dial this number in the future. Our office has honored this request. We 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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. 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 ID [redacted]. We received and reviewed the correspondence from your office regarding the consumer’s additional concerns and provide the following response:Thank you for your response and your work to assist the consumer. We also wish to ensure the consumer understands and can account for all charges that are assessed by the federal student loan Guaranty Agency to her defaulted federal student loan. Our prior response specifically described the process surrounding the assessment of collection costs while federal student loans remain in default, we provided the federal code that provides for the calculation of those costs and further described what occurred in the consumer’s specific situation. In addition, we stated in our prior response that we are happy to mail the consumer her statement of account to her address of record. At this time, although we have had no direct request from the consumer. We will forward the details to the consumer’s address on file under separate cover.The consumer’s federal student loan account information is protected by federal regulations, contains the consumer’s nonpublic personal information, such as her payment history, and other information protected by the Gramm-Leach- Bliley Act and The Privacy Act. As such, we are only able to provide that information directly to the consumer, or the consumer’s authorized representative, and we require express authorization. Our client, the federal student loan Guarantor, assessed costs at an amount permissible under 34 CFR 682.410(b)(2). The consumer was also mailed all legally required notices to inform the consumer the maximum range, as well as the method of calculation for which such collection costs may be assessed.We do encourage the consumer to continue with the Federal Loan Rehabilitation Program. Please advise the consumer to contact our office for any further assistance regarding her defaulted student loans.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 responses on the Revdex.com’s website. By 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 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 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 concerns and provide the following response: On July 1, 2016, our client placed an account with our office...
matching the consumer’s information. On July 3, 2016, we mailed the initial validation notice to the consumer’s home address. Our representatives contacted third parties to confirm or correct location information in compliance with the Fair Debt Collection Practices Act (FDCPA). Pioneer was unsuccessful in establishing contact with the consumer. On July 7, 2016, the consumer contacted our office, at the inception of the call the consumer was advised all of our representatives were busy assisting other customers and provided her the option to leave a message. On July 8, 2016, the consumer contacted our office and we advised of the current status of her account. The consumer was unable to establish any resolution and request for no further third party contact. The conversation ended and the account was updated accordingly. According to account notes and a review of our recordings, we maintain that our representatives were professional and acted within the confines of the law. The account is valid and remains in our office. 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 responses on the Revdex.com’s website. By 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 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 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 August 28, 2016, our client, placed an account in our office in the consumer’s...
name. On August 30, 2016, our office mailed an initial validation notice to the address our client provided as the consumer’s last known address. Our office spoke with the consumer on September 19, 2016. At that time, the consumer stated she was unable to discuss this matter and requested to discuss at a later time. Our office was unable to re-establish contact with the consumer. On October 15, 2016, our office mailed the Notice Prior to Wage Withholding to the consumer’s address of record informing them of intent to begin the Administrative Wage Garnishment (AWG) and options to avoid the AWG process. We did not receive notification that either of the notices sent to the consumer was a mail return. Therefore, the process continued forward following all guidelines and procedures set forth by our client and federal law.On March 10, 2017, the consumer contacted our office and options were explained to the consumer which would allow AWG payments to be suspended. At which point the consumer declined to further discuss repayment and ended the call. According to account notes and a review of our recordings, we maintain that our representatives were professional and within the law at all times. As a matter of explanation, interactions with consumers intend to educate and inform of voluntary payment arrangements. In addition, representatives explain ramifications of non-payment; including the possibility of tax offsets and administrative wage garnishment. Any communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolution.The account is valid and remains in our office in a defaulted status. We encourage the consumer to contact the office to discuss voluntary options on this account.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 responses on the Revdex.com’s website. By 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 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 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 regarding the complainant’s concerns and provide the following response: Unfortunately, due to the limited information provided, we are...
unable to locate a file specific to the complainant’s concerns. We would be more than happy to research this matter further if the complainant can provide uswith an account number, ticket number or any other applicable information to assist our office in locating a file specific to the complainant’s concerns. Our goal is to assist the complainant with resolving his concerns and we 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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 representative. We 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 office. If 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 parties. 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 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.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to 11461102. Our office received and reviewed the correspondence regarding the consumer andprovides the following response: On August 24, 2015, and December 28, 2015, our client placed an...
account in our office in the consumer’s name. Our office mailed the required correspondence to the address placed with theaccount. This correspondence was not returned by the U.S. Postal Service. Our office has attempted to contact the consumer by telephone with no success. Pioneer does not dictate our client’s credit reporting practices, nor do we provide information to the credit agencies on their behalf. On May 31, 2016, the consumer’s accounts were returned to our client. As the accounts are no longer in our office, we encourage the consumer to address her concerns directly to our client. 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 responses on the Revdex.com’s website. By 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 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 theconsumer in question. Therefore, 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.
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 response. They are currently out of town for a minimum of 10 days and therefore unable to obtain their mail to address the complaint further. They 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 business. He 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 verification. We will reopen this complaint when they return and have the ability to obtain their mail and respond to it. Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaintID [redacted]. We received and reviewed the correspondence from your office regarding the consumerand provide the following response:On March 20, 2016, our client placed the consumer’s account in our...
office for collection. Attempts tocontact the consumer were made; however, to date, all attempts have been unsuccessful. Only afterattempts to contact the consumer failed, we contacted third parties who may have been able to confirm orcorrect the consumer’s location information.Records indicate the company representative, named by the consumer in this complaint, identified herselfduring every communication. Furthermore, at no point did the representative falsely identify themselvesto be a job recruiter.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. If the consumer has questions regarding the account or our services she cancontact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsite. By 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 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 expresspermission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgmentjudicial remedy, a debt collector may not communicate in connection with the collection of any debt, withany person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted bylaw, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there maybe other federal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer's complaint and our response may bepublicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding theconsumer 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 November 28, 2016, we mailed an initial validation notice to the...
address our client provided as the complainant’s last known address. On April 3, 2017, our office dialed the consumer’s contact number and spoke with an individual who stated they were the consumer. This individual refused to verify their identity and ended the call. To protect consumer privacy our representatives procedurally authenticate the identity of the consumer prior to discussing confidential information. On 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 address. Later this day, our office mailed another initial validation notice to the consumer updated mailing address. Upon receipt of the consumer’s concerns, a request was submitted for validation of the debt. These 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 account. If 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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 program. During 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 program. The consumer provided her permission for representatives to reach out to her references in the instance that we were unable to contact her directly. Upon 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 agreement. When our office did not receive the required documents, our representative first attempted to reach the consumer directly. When 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 consumer. Records 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 harass. Any 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 office. The 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 question. A 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 program. Currently 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 website. By 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 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 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]. Our office received and reviewed the additional correspondence regarding the complainant’s concerns, which enabled us to locate the citation and we provide following response: Upon receiving the complainant’s concerns regarding the validity of the citation on August 26, 2016, through your office, again, our company reached out directly to our client and requested a copy of the complainant’s original citation. As a matter of explanation, On May 25, 2016, the complainant’s unpaid traffic citation from March 8, 2009, was placed in our office for collection. On July 29, 2016, we mailed correspondence to the complainant regarding his unpaid citation. On August 12, 2016, we received correspondence from the complainant disputing his citation, and requesting our office to complainant describing the status of his unpaid traffic citation. In addition to that we forwarded the information to our client and requested verification of the citation claimed to be due. While this obligation does not arise from a consumer transaction we do respect and have honored the complainant’s request to cease and desist communication. The complainant may wish to contact our office for further information to resolve the outstanding amount. Regarding the complainant’s request for licensing information, the information he has requested is public information and he may access the information online. The statute of limitations does not impede the issuing court from seeking collection of the amount the court claims is due. Upon receipt of a copy of the citation from our client, we will forward the documentation to the complainant. We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 parties. In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, 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 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 December 20, 2015, our client placed the consumer’s account with our office. Our representatives attempted to contact the consumer via regular mail and telephone, however; were unable to reach the consumer. Due to the consumer’s failure to voluntarily resolve the account, our office began processing the consumer’s account for administrative wage garnishment,pursuant to the provisions of the Higher Education Act of 1965, as amended, and the implementing federal regulations on April 6, 2012. The Notice Prior to Wage Withholding was sent to the consumer via regular mail on February 4, 2016.On March 11, 2016, the Order of Withholding was sent to the consumer’s employer. On March 22, 2016, our office received the Employer Acknowledgement form; indicating the payment amount of $50 would be remitted biweekly. The Order of Withholding advises the consumer’s employer to deduct up to 15% of the disposable income. Our office does not control or determine the amount withheld from the consumer’s wages.On March 29, 2016, our representatives contacted the consumer. During the conversation, the consumer was advised of the Loan Rehabilitation Program. The consumer was advised enrolling into the Loan Rehabilitation Program would be in addition to the wage garnishment. Our office does not control or determine the terms and conditions of the Loan Rehabilitation Program. Based off of the financial information provided to our representatives by the consumer, the consumer was provided with the qualifying payment amount. While we understand the consumer’s expressed financial hardship, unfortunately; due to the status of the account we are unable to suspend the wage garnishment. The consumer was advised after all required documentation was returned to our office and five qualifying payments were posted to the account; the suspension request would be submitted to her employer. On April 29, 2016, the consumer contacted our office and requested all future payments to not be processed. Upon completion of the call, the consumer’s payment information was removed from the account.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 responses on the Revdex.com’s website. By 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 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 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:On September 4, 2016, our client placed the consumer’s account in...
our office. On September 22, 2016, telephone contact with the consumer commenced. During this conversation, the consumer enrolled into the Federal Loan Rehabilitation Program, based on the financial information she provided over the phone. The consumer provided our office with permission to obtain a copy of her 2015 tax return to utilize as her verification of income. The consumer was advised, should the verification of income differ from the financial information she provided over the phone, the agreed upon payment amount would need to increase and/or decrease, depending.The information supplied by our third party vendor; provided income information that was different from what the consumer communicated over the phone on September 22, 2016. On November 7, 2016, our representatives discussed the account changes with the consumer; however, and the consumer was dissatisfied. Our representative advised the consumer to supply additional information to support her concerns regarding her Adjusted Gross Income.The most recent documents received from the consumer on November 8, 2016, resulted in an update to the consumer’s account and repayment arrangement that the consumer will be satisfied with. We would encourage the consumer to contact our office regarding the Loan Rehabilitation Program so that we may review the procedures she can expect to follow to ensure a successful end-result.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 responses on the Revdex.com’s website. By 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 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 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 this inquiry. We received and reviewed the correspondence regarding the account and provide the following response:Upon review of the file, we conclude our business records do not show any harassing behavior,...
or harassing call pattern, as our calls are not made with any intent to harass the complainant.We understand the complainant’s concerns identified through your office; in response, our systems were programmed not to dial this number in the future. We 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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.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 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 information. Our office attempted to contact the complainant regarding the matter;however, despite contact efforts, our office has not had an opportunity to speak with thecomplainant. Records do not support harassment or threatening of any kind. Additionally, 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 consequences. Due 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By 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 parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 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 question. Therefore, 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 to complaint #[redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: Regarding the call which took place on July 7, 2016. Due to high call volume for the representatives we had on staff at the time, the consumer was placed on hold; however, the hold was not excessive. The consumer was offered an option to receive a return call from one of our representatives rather than remain waiting. Our representatives attempted to contact the consumer on July 8, 2016, at the requested time of 2:00 p.m.; however, they were unable to reach her. At the consumer’s request we shall restrict calls on her account according to the directions she provided. We thank the consumer for her complimentary correspondence regarding our representative and we are glad she is in the process of resolving this matter. Please advise the consumer our representatives are available to assist her. 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 responses on the Revdex.com’s website. By 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 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 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.
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...
collections. On June 9, 2015,we first spoke to the taxpayer and explained the amount due. Our representatives assisted thetaxpayer with a payment arrangement and on June 22, 2016, the taxpayer made her final paymentand the case was closed. The 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 Jersey. Our business records confirm our office has properlyconducted its business based upon the tax records provided by our client. We 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.com. We also understand the Revdex.com may or may not publish the taxpayer’s complaint and ourresponses on the Revdex.com’s website. By 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 parties. Pursuant to section 805(b) of the Fair Debt CollectionPractices Act (FDCPA) 15 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 inquestion. Therefore, 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 below. The "client" as you state puts the responsibility of providing proof of payment onto pioneer. There is no excuse for giving pioneer payment and getting nothing in return. What do I have that proves that it was paid? A debt collectors word? And no, there is no such email I my spam. Regards, [redacted]
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 calls. The bigger issue it seems they have not acknowledged is using information to call people that have no legal tie to the debt over and over. They only removed our number with threat of this through the Revdex.com. I will not be pursuing this subject further but wanted this important point noted.
Regards,
[redacted]
April 10, 2017Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228RE: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiry. We received and reviewed the correspondence regarding the account and provide the...
following response:Upon review of the file, we find no merit to allegations raised by the consumer. Our business records do not show any harassing behavior or harassing call pattern and our calls are not made with any intent to harass the complainant.Upon receipt of the consumer’s concerns; our systems were programmed not to dial this number in the future. Our office has honored this request. We 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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. 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 ID [redacted]. We received and reviewed the correspondence from your office regarding the consumer’s additional concerns and provide the following response:Thank you for your response and your work to assist the consumer. We also wish to ensure the consumer understands and can account for all charges that are assessed by the federal student loan Guaranty Agency to her defaulted federal student loan. Our prior response specifically described the process surrounding the assessment of collection costs while federal student loans remain in default, we provided the federal code that provides for the calculation of those costs and further described what occurred in the consumer’s specific situation. In addition, we stated in our prior response that we are happy to mail the consumer her statement of account to her address of record. At this time, although we have had no direct request from the consumer. We will forward the details to the consumer’s address on file under separate cover.The consumer’s federal student loan account information is protected by federal regulations, contains the consumer’s nonpublic personal information, such as her payment history, and other information protected by the Gramm-Leach- Bliley Act and The Privacy Act. As such, we are only able to provide that information directly to the consumer, or the consumer’s authorized representative, and we require express authorization. Our client, the federal student loan Guarantor, assessed costs at an amount permissible under 34 CFR 682.410(b)(2). The consumer was also mailed all legally required notices to inform the consumer the maximum range, as well as the method of calculation for which such collection costs may be assessed.We do encourage the consumer to continue with the Federal Loan Rehabilitation Program. Please advise the consumer to contact our office for any further assistance regarding her defaulted student loans.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 responses on the Revdex.com’s website. By 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 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 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 concerns and provide the following response: On July 1, 2016, our client placed an account with our office...
matching the consumer’s information. On July 3, 2016, we mailed the initial validation notice to the consumer’s home address. Our representatives contacted third parties to confirm or correct location information in compliance with the Fair Debt Collection Practices Act (FDCPA). Pioneer was unsuccessful in establishing contact with the consumer. On July 7, 2016, the consumer contacted our office, at the inception of the call the consumer was advised all of our representatives were busy assisting other customers and provided her the option to leave a message. On July 8, 2016, the consumer contacted our office and we advised of the current status of her account. The consumer was unable to establish any resolution and request for no further third party contact. The conversation ended and the account was updated accordingly. According to account notes and a review of our recordings, we maintain that our representatives were professional and acted within the confines of the law. The account is valid and remains in our office. 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 responses on the Revdex.com’s website. By 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 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 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 August 28, 2016, our client, placed an account in our office in the consumer’s...
name. On August 30, 2016, our office mailed an initial validation notice to the address our client provided as the consumer’s last known address. Our office spoke with the consumer on September 19, 2016. At that time, the consumer stated she was unable to discuss this matter and requested to discuss at a later time. Our office was unable to re-establish contact with the consumer. On October 15, 2016, our office mailed the Notice Prior to Wage Withholding to the consumer’s address of record informing them of intent to begin the Administrative Wage Garnishment (AWG) and options to avoid the AWG process. We did not receive notification that either of the notices sent to the consumer was a mail return. Therefore, the process continued forward following all guidelines and procedures set forth by our client and federal law.On March 10, 2017, the consumer contacted our office and options were explained to the consumer which would allow AWG payments to be suspended. At which point the consumer declined to further discuss repayment and ended the call. According to account notes and a review of our recordings, we maintain that our representatives were professional and within the law at all times. As a matter of explanation, interactions with consumers intend to educate and inform of voluntary payment arrangements. In addition, representatives explain ramifications of non-payment; including the possibility of tax offsets and administrative wage garnishment. Any communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolution.The account is valid and remains in our office in a defaulted status. We encourage the consumer to contact the office to discuss voluntary options on this account.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 responses on the Revdex.com’s website. By 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 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 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 regarding the complainant’s concerns and provide the following response: Unfortunately, due to the limited information provided, we are...
unable to locate a file specific to the complainant’s concerns. We would be more than happy to research this matter further if the complainant can provide uswith an account number, ticket number or any other applicable information to assist our office in locating a file specific to the complainant’s concerns. Our goal is to assist the complainant with resolving his concerns and we 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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 representative. We 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 office. If 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 parties. 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 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.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to 11461102. Our office received and reviewed the correspondence regarding the consumer andprovides the following response: On August 24, 2015, and December 28, 2015, our client placed an...
account in our office in the consumer’s name. Our office mailed the required correspondence to the address placed with theaccount. This correspondence was not returned by the U.S. Postal Service. Our office has attempted to contact the consumer by telephone with no success. Pioneer does not dictate our client’s credit reporting practices, nor do we provide information to the credit agencies on their behalf. On May 31, 2016, the consumer’s accounts were returned to our client. As the accounts are no longer in our office, we encourage the consumer to address her concerns directly to our client. 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 responses on the Revdex.com’s website. By 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 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 theconsumer in question. Therefore, 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.
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 response. They are currently out of town for a minimum of 10 days and therefore unable to obtain their mail to address the complaint further. They 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 business. He 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 verification. We will reopen this complaint when they return and have the ability to obtain their mail and respond to it. Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaintID [redacted]. We received and reviewed the correspondence from your office regarding the consumerand provide the following response:On March 20, 2016, our client placed the consumer’s account in our...
office for collection. Attempts tocontact the consumer were made; however, to date, all attempts have been unsuccessful. Only afterattempts to contact the consumer failed, we contacted third parties who may have been able to confirm orcorrect the consumer’s location information.Records indicate the company representative, named by the consumer in this complaint, identified herselfduring every communication. Furthermore, at no point did the representative falsely identify themselvesto be a job recruiter.According to account notes and a review of our recordings, we maintain that our representatives wereprofessional at all times. If the consumer has questions regarding the account or our services she cancontact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsite. By 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 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 expresspermission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgmentjudicial remedy, a debt collector may not communicate in connection with the collection of any debt, withany person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted bylaw, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there maybe other federal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, because of the possibility that the consumer's complaint and our response may bepublicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding theconsumer 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 November 28, 2016, we mailed an initial validation notice to the...
address our client provided as the complainant’s last known address. On April 3, 2017, our office dialed the consumer’s contact number and spoke with an individual who stated they were the consumer. This individual refused to verify their identity and ended the call. To protect consumer privacy our representatives procedurally authenticate the identity of the consumer prior to discussing confidential information. On 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 address. Later this day, our office mailed another initial validation notice to the consumer updated mailing address. Upon receipt of the consumer’s concerns, a request was submitted for validation of the debt. These 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 account. If 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.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 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 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 program. During 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 program. The consumer provided her permission for representatives to reach out to her references in the instance that we were unable to contact her directly. Upon 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 agreement. When our office did not receive the required documents, our representative first attempted to reach the consumer directly. When 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 consumer. Records 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 harass. Any 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 office. The 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 question. A 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 program. Currently 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 website. By 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 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 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]. Our office received and reviewed the additional correspondence regarding the complainant’s concerns, which enabled us to locate the citation and we provide following response: Upon receiving the complainant’s concerns regarding the validity of the citation on August 26, 2016, through your office, again, our company reached out directly to our client and requested a copy of the complainant’s original citation. As a matter of explanation, On May 25, 2016, the complainant’s unpaid traffic citation from March 8, 2009, was placed in our office for collection. On July 29, 2016, we mailed correspondence to the complainant regarding his unpaid citation. On August 12, 2016, we received correspondence from the complainant disputing his citation, and requesting our office to complainant describing the status of his unpaid traffic citation. In addition to that we forwarded the information to our client and requested verification of the citation claimed to be due. While this obligation does not arise from a consumer transaction we do respect and have honored the complainant’s request to cease and desist communication. The complainant may wish to contact our office for further information to resolve the outstanding amount. Regarding the complainant’s request for licensing information, the information he has requested is public information and he may access the information online. The statute of limitations does not impede the issuing court from seeking collection of the amount the court claims is due. Upon receipt of a copy of the citation from our client, we will forward the documentation to the complainant. We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By 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 parties. In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer inquestion. Therefore, 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 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 December 20, 2015, our client placed the consumer’s account with our office. Our representatives attempted to contact the consumer via regular mail and telephone, however; were unable to reach the consumer. Due to the consumer’s failure to voluntarily resolve the account, our office began processing the consumer’s account for administrative wage garnishment,pursuant to the provisions of the Higher Education Act of 1965, as amended, and the implementing federal regulations on April 6, 2012. The Notice Prior to Wage Withholding was sent to the consumer via regular mail on February 4, 2016.On March 11, 2016, the Order of Withholding was sent to the consumer’s employer. On March 22, 2016, our office received the Employer Acknowledgement form; indicating the payment amount of $50 would be remitted biweekly. The Order of Withholding advises the consumer’s employer to deduct up to 15% of the disposable income. Our office does not control or determine the amount withheld from the consumer’s wages.On March 29, 2016, our representatives contacted the consumer. During the conversation, the consumer was advised of the Loan Rehabilitation Program. The consumer was advised enrolling into the Loan Rehabilitation Program would be in addition to the wage garnishment. Our office does not control or determine the terms and conditions of the Loan Rehabilitation Program. Based off of the financial information provided to our representatives by the consumer, the consumer was provided with the qualifying payment amount. While we understand the consumer’s expressed financial hardship, unfortunately; due to the status of the account we are unable to suspend the wage garnishment. The consumer was advised after all required documentation was returned to our office and five qualifying payments were posted to the account; the suspension request would be submitted to her employer. On April 29, 2016, the consumer contacted our office and requested all future payments to not be processed. Upon completion of the call, the consumer’s payment information was removed from the account.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 responses on the Revdex.com’s website. By 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 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 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:On September 4, 2016, our client placed the consumer’s account in...
our office. On September 22, 2016, telephone contact with the consumer commenced. During this conversation, the consumer enrolled into the Federal Loan Rehabilitation Program, based on the financial information she provided over the phone. The consumer provided our office with permission to obtain a copy of her 2015 tax return to utilize as her verification of income. The consumer was advised, should the verification of income differ from the financial information she provided over the phone, the agreed upon payment amount would need to increase and/or decrease, depending.The information supplied by our third party vendor; provided income information that was different from what the consumer communicated over the phone on September 22, 2016. On November 7, 2016, our representatives discussed the account changes with the consumer; however, and the consumer was dissatisfied. Our representative advised the consumer to supply additional information to support her concerns regarding her Adjusted Gross Income.The most recent documents received from the consumer on November 8, 2016, resulted in an update to the consumer’s account and repayment arrangement that the consumer will be satisfied with. We would encourage the consumer to contact our office regarding the Loan Rehabilitation Program so that we may review the procedures she can expect to follow to ensure a successful end-result.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 responses on the Revdex.com’s website. By 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 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 Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.