We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to the rebuttal received for complaint #[redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Records indicate the complainant’s requested documents were mailed to her on August 10, 2016, as well as on August 23, 2016. For details pertaining to account activity prior to placement in our office, the complainant will need to contact our client directly. It is important to note, our company does not have the authority to make any offer of reduction concerning the complainant’s account – Such offers need to be submitted via the complainant in writing which our client may then review and make a final determination.We encourage the complainant to contact our office for further information pertaining to her desired option for resolution. Although our office is unable to initiate such correspondence due to the complainant’s request for no further telephone communication, a written notice containing information on various resolution options available will be mailed to the complainant. We will continue to send additional written correspondence to the complainant’s established address in compliance with all Federal, State, and Local laws and regulations.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 toComplaint ID [redacted]. We received and reviewed the correspondence regarding thecomplainant and provide the following response:On February 07, 2014, our client placed an account in our office in the...
complainant’s name. OnSeptember 02, 2016, our office spoke with the complainant for the first time. During thisconversation, the complainant indicated he was recording the conversation. Per internal policies,our representative professionally ended the call. To date, this is the only verbal interaction ouroffice has had with the complainant.Upon review of the file, we ascertain no merit to allegations raised by the consumer. Records donot substantiate harassment as defined by Federal, State, and Local laws and regulations. As amatter of explanation, communication attempts are intended to maintain an open line ofcommunication to aide individuals in resolving their accounts; these calls are not intended toharass. Any communication intends to remind individuals of an obligation, help to avoidnegative consequences, and inform them about options for resolution.While this obligation does not arise from a consumer transaction for office to cease and desistcollection activities, we do respect and have honored the complainant’s request to cease anddesist communication.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed by third parties. In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the consumer in question. Therefore, because of the possibilitythat the complaint and our response may be publicly posted on the Revdex.com website, we have omittedall nonpublic, personal information regarding the complainant from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. Our office received and reviewed the correspondence regarding the consumer and provides the following response: On April 14, 2017, our client placed an account in our office in the...
consumer’s name. On April 16, 2017, our office mailed an initial validation notice to the address our client provided as the consumer’s last known mailing address. Our office was not notified of a mail return from the United States Postal Service. Our representative’s attempted to contact the consumer to assist in resolving the account, and when our attempts were unsuccessful, we contacted the borrower at his place of employment. The consumer notified our office they are not allowed personal calls at work, and the account has been updated to prevent any future calls to the consumer’s place of employment. Upon speaking with the consumer, we were notified the address on file was incorrect. Our representative updated the consumer’s address, and our office has requested Validation Documents from our client to be forwarded to the consumer upon receipt. We encourage the consumer to contact our office so we may assist him with establishing a voluntary arrangement on 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 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 complaint #[redacted]. We received and reviewed the correspondence regarding the defendant and provide the following response:On July 23, 2013, our client placed the defendant’s account with our office. Written...
correspondence is intended to create an open line of communication to aid the defendant in resolving her accounts; correspondence is not intended to “threaten”. Any communication intends to remind the defendant of an obligation, help to avoid negative consequences, and inform them about options for resolution. On March 28, 2017, the defendant was advised she needed to supply supporting documentation regarding her claim of identity theft to the client directly.We are unable to proceed with any other communication concerning the account due to the defendant’s full cease and desist. Additionally, provided the defendant grants us permission to communicate with her regarding the account via telephone, she may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve defendant complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the defendant’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 defendant’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 defendant in question. 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 defendant from our response.
Dear [redacted]:On July 14, 2014, our client placed an account in our office in the complainant’s name.On January 21, 2016, our office was notified of the complainant’s payment being returned due to insufficient funds. Due to the payment being returned for insufficient funds, our office could no longer...
accept personal checks from the complainant. On February 25, 2016, we received a check from the complainant. The complainant believed the check to be a cashier’s check; however, we verified the payment received was a bill pay check which was attached to the complainant’s personal checking account and therefore, considered a personal check.On January 29, 2016, as well as on March 3, 2016, the complainant was advised of this information and provided with alternative payment methods, to include payment via money order. On March 4, 2016, our company received another bill pay check from the complainant to be applied to the account in our office; as before, this payment was returned to the complainant. If the complainant has further questions or concerns regarding payment options, he is encouraged to contact our office for additional information.We agree it is our responsibility to attempt to resolve complainant complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the complainant’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 complainant’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 complainant 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 complainant 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 thefollowing response:On December 13, 2015, 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.As a matter of explanation, calls are intended to maintain an open line of communication to aide consumersin resolving their accounts and remain up-to-date on the status of their program; these calls are not intendedto harass. Any communication intends to remind consumers of an obligation, help to avoid negativeconsequences, and inform consumers about options for resolution.Correspondence was mailed to the consumer regarding this matter to the same mailing address listed on thecomplaint she submitted to your office. This correspondence contained our office’s contact information andhas not been returned to our office as undeliverable. We have updated the consumer’s account to reflect herrequest for no communication from our office. However; we encourage the consumer to contact our officeto discuss the account. We have several different options available to assist the consumer in resolving thisaccount.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 thirdparties. 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 theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition,there may be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the customer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regardingthe consumer from our response.
Pioneer Credit Recovery, Inc. (“Pioneer”) thanks the Revdex.com (Revdex.com) for theopportunity to investigate and respond to complaint ID [redacted]. We received and reviewed thecorrespondence regarding the consumer and provide the following response:The consumer’s defaulted federal student loan...
account was processed for administrative wagegarnishment pursuant to federal regulations in August of 2015 and the first garnishment paymentwas posted to the consumer’s account on October 14, 2015. Our client, a Guaranty Agency, is alsorequired by federal regulations to attempt Federal Tax Offset to obtain payment for the unpaidbalance of defaulted federal student loans. On February 17, 2016, a Federal Offset was applied tothe consumer’s account. Pioneer’s records show that an order to release the administrative wagegarnishment was mailed to the consumer’s employer on February 18, 2016 because the offsetappeared to result in the satisfaction of the account. In practice, if an overpayment should occurdue to the timing of an administrative wage garnishment process, the overpayment is refunded asapplicable. In this instance, our client issued a refund check in the amount of $63.47 to theconsumer on February 29, 2016.In summary, we find that Pioneer followed through with the processes necessary to ultimatelyreach the right resolution for this consumer. We understand the consumer’s concerns and notethat the account has been satisfied and the overpayment was refunded.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.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 consumer’s complaint and ourresponse may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personalinformation regarding the consumer from our response.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
you should have told me who you were looking for but did not so in the future instead of harassing someone you might want to tell people who you are looking for? very unprofessional on your businesses part. in the future try leaving a actual message from a actual human being Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. Our office received and reviewed the correspondence regarding the consumer and provides the following response:Upon review of the file, we find that our office has honored the consumer’s...
request to cease attempts to communicate with her by telephone. Concerning an attempt to communicate with the consumer’s employer, Administrative wage garnishment is permissible pertaining to this matter under federal regulation 34 CFR 682.410 and employment verification confirms whether this approach is potential means for recovery. Our business records do not reflect that the consumer established a settlement, an arrangement, or is subject to a current garnishment with respect to this matter. We have communicated this consumer’s concerns and claims to our client. It should be noted that during our only contact with the consumer, we tried to assist her and the phone conversation was abruptly ended by consumer. All further attempts to contact the consumer have been unsuccessful. Our office has received validation documents from our client and we will forward to the consumer under separate cover. We encourage the consumer to contact our office so we may assist her. There are federal programs she may be eligible for. With some patience, and open communication, we believe that our representatives have the ability to offer this consumer satisfactory resolution. 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 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. The...
consumer did not respond to our calls or correspondence. After attempts to reach the consumer failed, our representatives utilized third party vendors in attempts to confirm/correct the consumer’s location information only. Attempts to contact the consumer at her place of employment were made after 8:00 a.m. in her time zone, which is supported by federal and state laws/regulations. Our business records do not reflect disclosure of the consumer’s information. Nor do our records reflect 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 we placed her account in a status of cease and desist and ordered validation from our client. To date, our representatives have not spoken to the consumer and she will need to verify her identity before our client can provide the validation she has requested.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.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. Regards, [redacted]
Revdex.com:
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.
These checks that were sent were told by me that they were cashiers checks, my problem is now I have two checks that I sent to this company to pay my debt and they have been sent back to me with no way to cancel them. I was told that I could use a money order, in which I can cancel if I wish, so I'll just let them wrap their heads around that. I was never given a clear answer from this company and now it seems they are covering up a little mess, which is fine with me. Next step Federal Trade Commission.
Have a day,,,
[redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to File Number [redacted]. Our office received and reviewed the correspondence regarding the consumer and provides the following response: Our records indicate that on September 25, 2014, our office assisted...
the complainant in his efforts to resolve his personal business matter with our client through a program prescribed under federal regulations. The complainant successfully completed his program and his file was removed from our office July 10, 2015. For more information, related to benefits at the conclusion of that program, the complainant is encouraged to contact our client. Our office carried through our obligations associated with the program and does not report information to consumer reporting agencies related to this complainant on behalf of our client. After a review of the complainant’s concerns, we find that our representatives clearly and accurately explained the rules and benefits of the program to the complainant verbally and in writing. We thank the complainant for expressing his concerns to 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 Customer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. I have not heard any response about the effect this is having on my recently a 3$ and a 5 $ fee were added to the account and all the payment history looks past due and it's gendering me from moving further with my life I want them removed from my reports and everything will be fine. Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We received and reviewed the correspondence regarding the consumer’sconcerns and provide the following response:Upon receipt of the consumer’s concerns identified through your office; our...
systems wereprogrammed not to dial the complainant’s number in the future. We appreciate notification ofthe matter and apologize for any inconvenience this matter may have caused.We agree it is our responsibility to attempt to resolve consumer complaints presented to 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 thatthe Revdex.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 ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition, there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the consumer’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.
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 28, 2013, our client placed an account in our office in the consumer’s name....
We made several attempts to contact the consumer, however; we were unsuccessful. Due to no voluntary resolution being made on the account, Administrative Wage Garnishment (AWG) proceedings commenced on December 16, 2013.The consumer’s attorney contacted our office on February 13, 2015, and confirmed information needed from the consumer to request a hearing regarding the garnishment order. The hearing took place via telephone on May 11, 2015. The hearing resulted in a reduction percentage of the garnishment. The reduction notice was systematically requested on May 13, 2015. On June 26, 2015, we issued a refund of all withheld money in excess of the wage withholding order adjusted by the hearing officer. A refund has already been issued for the excess AWG monies and we have no record of being notified of a tax offset being applied to the consumer’s account, an additional refund of $1,000 will not be granted at this time.We maintained frequent communication with the borrower’s attorney at all times until she requested not to be contacted via telephone on June 23, 2015. At no time did any of our representatives provide the consumer, his employer, or his attorney with a bad phone number or incorrect address to communicate with our office.If the consumer should have any additional questions or concerns, he will need to contact our client directly as his account has been returned as of August, 13, 2015.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 from your office regarding the consumer and provide the following response:On May 21, 2012, our client placed the consumer’s account with our...
office. Initial contact with the consumer occurred on June 12, 2012. During the conversation, our representatives assisted the consumer with enrolling into the Loan Rehabilitation Program. As the consumer stated, she secured payments on file for the length of the program, with her payments beginning on June 26, 2012 and all remaining payments dated for the 26th of each month through February 26, 2013.At the time of enrollment, it was our standard practice to educate consumers on the benefits of the program, including the [redacted]’s waiver of collection costs remaining on the loan upon successful completion of the program. According to our account notes, the consumer successfully met all requirements and her account was funded on March 6, 2013. At that time, the remaining collection costs to be waived by the [redacted] for the consumer’s loan were approximately $17, 317. As our relationship with the borrower ends upon successful rehabilitation completion, we are unable to confirm the specific amount waived as our client completes that activity. If the consumer requires additional information about the balance, we recommend she contact her new servicer for further assistance.We agree it is our responsibility to attempt to resolve consumer complaints presented to the 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.” Inaddition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the 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 File #[redacted]. We received and reviewed the correspondence regarding the account and provide the following response:Our records show our office called a number ending in [redacted] in an effort to reach...
our intended party. On October 14, 2016, the complainant contacted our office stating he did not want to receive calls from our company. Before the complainant’s call, our office was unaware the [redacted] number would not assist our ability to communicate with our intended party, nor were we previously notified to prevent any calls to this number. At this time, our systems are programmed to prevent future calls to the numbers ending in [redacted] and 2901. We do appreciate the complainant’s notification of the issue and believe we have fully addressed the concerns raised.We agree it is our responsibility to attempt to resolve consumer complaints presented to the 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. Please contact our office with any questions or requests for additional information.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. Our office received and reviewed the correspondence regarding the debtor and provides the following response:On December 15, 2014, our client placed the debtor’s account with our office....
At the time of placement, a notice was sent to the debtor via regular mail. On January 22, 2015, the debtor spoke with our representative and expressed his concerns regarding the balance due. Our representative explained the necessary dispute process and also advised that a copy of the debtor’s proof of debt could be requested and sent to the debtor via regular mail. The debtor stated that he had already provided the dispute correspondence to other agencies and was upset that our company had not received these documents. The debtor terminated the call with our representative. Our representatives were unable to reach the debtor again and we did not receive any supporting documentation to our office. On February 25, 2015, the debtor was mailed paperwork advising of the pending Administrative Wage Garnishment status and provided the forms for the debtor to request a hearing if he chose. On March 17, 2015, the debtor again expressed his intentions to dispute the balance due. Our representative advised the debtor that he had been submitted for Administrative Wage Garnishment, and reviewed the process for submitting a hearing request based on the debtor’s dispute of the charges accrued. On June 10, 2015, our representative informed the debtor that although we now were in receipt of his dispute correspondence, he would also need to complete and return a hearing request form. Our representative explained that this form was required by the client due to the garnishment status of the debtor’s account. On July 6, 2015, our company received the debtor’s completed hearing request form. On July 8, 2015, all of the debtor’s documents were forwarded to our client for review. To date, the client has not completed the review and no determination has been made regarding the debtor’s hearing request.We agree it is our responsibility to attempt to resolve debtor complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the debtor’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 debtor’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 debtor in question. Therefore, because of the possibility that the debtor’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the debtor from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to the rebuttal received for complaint #[redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response: Records indicate the complainant’s requested documents were mailed to her on August 10, 2016, as well as on August 23, 2016. For details pertaining to account activity prior to placement in our office, the complainant will need to contact our client directly. It is important to note, our company does not have the authority to make any offer of reduction concerning the complainant’s account – Such offers need to be submitted via the complainant in writing which our client may then review and make a final determination.We encourage the complainant to contact our office for further information pertaining to her desired option for resolution. Although our office is unable to initiate such correspondence due to the complainant’s request for no further telephone communication, a written notice containing information on various resolution options available will be mailed to the complainant. We will continue to send additional written correspondence to the complainant’s established address in compliance with all Federal, State, and Local laws and regulations.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 toComplaint ID [redacted]. We received and reviewed the correspondence regarding thecomplainant and provide the following response:On February 07, 2014, our client placed an account in our office in the...
complainant’s name. OnSeptember 02, 2016, our office spoke with the complainant for the first time. During thisconversation, the complainant indicated he was recording the conversation. Per internal policies,our representative professionally ended the call. To date, this is the only verbal interaction ouroffice has had with the complainant.Upon review of the file, we ascertain no merit to allegations raised by the consumer. Records donot substantiate harassment as defined by Federal, State, and Local laws and regulations. As amatter of explanation, communication attempts are intended to maintain an open line ofcommunication to aide individuals in resolving their accounts; these calls are not intended toharass. Any communication intends to remind individuals of an obligation, help to avoidnegative consequences, and inform them about options for resolution.While this obligation does not arise from a consumer transaction for office to cease and desistcollection activities, we do respect and have honored the complainant’s request to cease anddesist communication.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the consumer’s privacy, and non-public information from beingviewed by third parties. In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the consumer in question. Therefore, because of the possibilitythat the complaint and our response may be publicly posted on the Revdex.com website, we have omittedall nonpublic, personal information regarding the complainant from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. Our office received and reviewed the correspondence regarding the consumer and provides the following response: On April 14, 2017, our client placed an account in our office in the...
consumer’s name. On April 16, 2017, our office mailed an initial validation notice to the address our client provided as the consumer’s last known mailing address. Our office was not notified of a mail return from the United States Postal Service. Our representative’s attempted to contact the consumer to assist in resolving the account, and when our attempts were unsuccessful, we contacted the borrower at his place of employment. The consumer notified our office they are not allowed personal calls at work, and the account has been updated to prevent any future calls to the consumer’s place of employment. Upon speaking with the consumer, we were notified the address on file was incorrect. Our representative updated the consumer’s address, and our office has requested Validation Documents from our client to be forwarded to the consumer upon receipt. We encourage the consumer to contact our office so we may assist him with establishing a voluntary arrangement on 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 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 complaint #[redacted]. We received and reviewed the correspondence regarding the defendant and provide the following response:On July 23, 2013, our client placed the defendant’s account with our office. Written...
correspondence is intended to create an open line of communication to aid the defendant in resolving her accounts; correspondence is not intended to “threaten”. Any communication intends to remind the defendant of an obligation, help to avoid negative consequences, and inform them about options for resolution. On March 28, 2017, the defendant was advised she needed to supply supporting documentation regarding her claim of identity theft to the client directly.We are unable to proceed with any other communication concerning the account due to the defendant’s full cease and desist. Additionally, provided the defendant grants us permission to communicate with her regarding the account via telephone, she may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve defendant complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the defendant’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 defendant’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 defendant in question. 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 defendant from our response.
Dear [redacted]:On July 14, 2014, our client placed an account in our office in the complainant’s name.On January 21, 2016, our office was notified of the complainant’s payment being returned due to insufficient funds. Due to the payment being returned for insufficient funds, our office could no longer...
accept personal checks from the complainant. On February 25, 2016, we received a check from the complainant. The complainant believed the check to be a cashier’s check; however, we verified the payment received was a bill pay check which was attached to the complainant’s personal checking account and therefore, considered a personal check.On January 29, 2016, as well as on March 3, 2016, the complainant was advised of this information and provided with alternative payment methods, to include payment via money order. On March 4, 2016, our company received another bill pay check from the complainant to be applied to the account in our office; as before, this payment was returned to the complainant. If the complainant has further questions or concerns regarding payment options, he is encouraged to contact our office for additional information.We agree it is our responsibility to attempt to resolve complainant complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the complainant’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 complainant’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 complainant 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 complainant 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 thefollowing response:On December 13, 2015, 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.As a matter of explanation, calls are intended to maintain an open line of communication to aide consumersin resolving their accounts and remain up-to-date on the status of their program; these calls are not intendedto harass. Any communication intends to remind consumers of an obligation, help to avoid negativeconsequences, and inform consumers about options for resolution.Correspondence was mailed to the consumer regarding this matter to the same mailing address listed on thecomplaint she submitted to your office. This correspondence contained our office’s contact information andhas not been returned to our office as undeliverable. We have updated the consumer’s account to reflect herrequest for no communication from our office. However; we encourage the consumer to contact our officeto discuss the account. We have several different options available to assist the consumer in resolving thisaccount.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 thirdparties. 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 theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition,there may be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the customer’s complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regardingthe consumer from our response.
Pioneer Credit Recovery, Inc. (“Pioneer”) thanks the Revdex.com (Revdex.com) for theopportunity to investigate and respond to complaint ID [redacted]. We received and reviewed thecorrespondence regarding the consumer and provide the following response:The consumer’s defaulted federal student loan...
account was processed for administrative wagegarnishment pursuant to federal regulations in August of 2015 and the first garnishment paymentwas posted to the consumer’s account on October 14, 2015. Our client, a Guaranty Agency, is alsorequired by federal regulations to attempt Federal Tax Offset to obtain payment for the unpaidbalance of defaulted federal student loans. On February 17, 2016, a Federal Offset was applied tothe consumer’s account. Pioneer’s records show that an order to release the administrative wagegarnishment was mailed to the consumer’s employer on February 18, 2016 because the offsetappeared to result in the satisfaction of the account. In practice, if an overpayment should occurdue to the timing of an administrative wage garnishment process, the overpayment is refunded asapplicable. In this instance, our client issued a refund check in the amount of $63.47 to theconsumer on February 29, 2016.In summary, we find that Pioneer followed through with the processes necessary to ultimatelyreach the right resolution for this consumer. We understand the consumer’s concerns and notethat the account has been satisfied and the overpayment was refunded.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.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 consumer’s complaint and ourresponse may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personalinformation regarding the consumer from our response.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
you should have told me who you were looking for but did not so in the future instead of harassing someone you might want to tell people who you are looking for? very unprofessional on your businesses part. in the future try leaving a actual message from a actual human being Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. Our office received and reviewed the correspondence regarding the consumer and provides the following response:Upon review of the file, we find that our office has honored the consumer’s...
request to cease attempts to communicate with her by telephone. Concerning an attempt to communicate with the consumer’s employer, Administrative wage garnishment is permissible pertaining to this matter under federal regulation 34 CFR 682.410 and employment verification confirms whether this approach is potential means for recovery. Our business records do not reflect that the consumer established a settlement, an arrangement, or is subject to a current garnishment with respect to this matter. We have communicated this consumer’s concerns and claims to our client. It should be noted that during our only contact with the consumer, we tried to assist her and the phone conversation was abruptly ended by consumer. All further attempts to contact the consumer have been unsuccessful. Our office has received validation documents from our client and we will forward to the consumer under separate cover. We encourage the consumer to contact our office so we may assist her. There are federal programs she may be eligible for. With some patience, and open communication, we believe that our representatives have the ability to offer this consumer satisfactory resolution. 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 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. The...
consumer did not respond to our calls or correspondence. After attempts to reach the consumer failed, our representatives utilized third party vendors in attempts to confirm/correct the consumer’s location information only. Attempts to contact the consumer at her place of employment were made after 8:00 a.m. in her time zone, which is supported by federal and state laws/regulations. Our business records do not reflect disclosure of the consumer’s information. Nor do our records reflect 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 we placed her account in a status of cease and desist and ordered validation from our client. To date, our representatives have not spoken to the consumer and she will need to verify her identity before our client can provide the validation she has requested.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.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. Regards, [redacted]
Revdex.com:
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.
These checks that were sent were told by me that they were cashiers checks, my problem is now I have two checks that I sent to this company to pay my debt and they have been sent back to me with no way to cancel them. I was told that I could use a money order, in which I can cancel if I wish, so I'll just let them wrap their heads around that. I was never given a clear answer from this company and now it seems they are covering up a little mess, which is fine with me. Next step Federal Trade Commission.
Have a day,,,
[redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to File Number [redacted]. Our office received and reviewed the correspondence regarding the consumer and provides the following response: Our records indicate that on September 25, 2014, our office assisted...
the complainant in his efforts to resolve his personal business matter with our client through a program prescribed under federal regulations. The complainant successfully completed his program and his file was removed from our office July 10, 2015. For more information, related to benefits at the conclusion of that program, the complainant is encouraged to contact our client. Our office carried through our obligations associated with the program and does not report information to consumer reporting agencies related to this complainant on behalf of our client. After a review of the complainant’s concerns, we find that our representatives clearly and accurately explained the rules and benefits of the program to the complainant verbally and in writing. We thank the complainant for expressing his concerns to 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 Customer’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response.
I just want to be contacted by others ways outside of contacting my job
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. I have not heard any response about the effect this is having on my recently a 3$ and a 5 $ fee were added to the account and all the payment history looks past due and it's gendering me from moving further with my life I want them removed from my reports and everything will be fine. Regards, [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We received and reviewed the correspondence regarding the consumer’sconcerns and provide the following response:Upon receipt of the consumer’s concerns identified through your office; our...
systems wereprogrammed not to dial the complainant’s number in the future. We appreciate notification ofthe matter and apologize for any inconvenience this matter may have caused.We agree it is our responsibility to attempt to resolve consumer complaints presented to 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 thatthe Revdex.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 ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition, there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the consumer’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.
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 28, 2013, our client placed an account in our office in the consumer’s name....
We made several attempts to contact the consumer, however; we were unsuccessful. Due to no voluntary resolution being made on the account, Administrative Wage Garnishment (AWG) proceedings commenced on December 16, 2013.The consumer’s attorney contacted our office on February 13, 2015, and confirmed information needed from the consumer to request a hearing regarding the garnishment order. The hearing took place via telephone on May 11, 2015. The hearing resulted in a reduction percentage of the garnishment. The reduction notice was systematically requested on May 13, 2015. On June 26, 2015, we issued a refund of all withheld money in excess of the wage withholding order adjusted by the hearing officer. A refund has already been issued for the excess AWG monies and we have no record of being notified of a tax offset being applied to the consumer’s account, an additional refund of $1,000 will not be granted at this time.We maintained frequent communication with the borrower’s attorney at all times until she requested not to be contacted via telephone on June 23, 2015. At no time did any of our representatives provide the consumer, his employer, or his attorney with a bad phone number or incorrect address to communicate with our office.If the consumer should have any additional questions or concerns, he will need to contact our client directly as his account has been returned as of August, 13, 2015.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 from your office regarding the consumer and provide the following response:On May 21, 2012, our client placed the consumer’s account with our...
office. Initial contact with the consumer occurred on June 12, 2012. During the conversation, our representatives assisted the consumer with enrolling into the Loan Rehabilitation Program. As the consumer stated, she secured payments on file for the length of the program, with her payments beginning on June 26, 2012 and all remaining payments dated for the 26th of each month through February 26, 2013.At the time of enrollment, it was our standard practice to educate consumers on the benefits of the program, including the [redacted]’s waiver of collection costs remaining on the loan upon successful completion of the program. According to our account notes, the consumer successfully met all requirements and her account was funded on March 6, 2013. At that time, the remaining collection costs to be waived by the [redacted] for the consumer’s loan were approximately $17, 317. As our relationship with the borrower ends upon successful rehabilitation completion, we are unable to confirm the specific amount waived as our client completes that activity. If the consumer requires additional information about the balance, we recommend she contact her new servicer for further assistance.We agree it is our responsibility to attempt to resolve consumer complaints presented to the 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.” Inaddition there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the 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 File #[redacted]. We received and reviewed the correspondence regarding the account and provide the following response:Our records show our office called a number ending in [redacted] in an effort to reach...
our intended party. On October 14, 2016, the complainant contacted our office stating he did not want to receive calls from our company. Before the complainant’s call, our office was unaware the [redacted] number would not assist our ability to communicate with our intended party, nor were we previously notified to prevent any calls to this number. At this time, our systems are programmed to prevent future calls to the numbers ending in [redacted] and 2901. We do appreciate the complainant’s notification of the issue and believe we have fully addressed the concerns raised.We agree it is our responsibility to attempt to resolve consumer complaints presented to the 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. Please contact our office with any questions or requests for additional information.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. Our office received and reviewed the correspondence regarding the debtor and provides the following response:On December 15, 2014, our client placed the debtor’s account with our office....
At the time of placement, a notice was sent to the debtor via regular mail. On January 22, 2015, the debtor spoke with our representative and expressed his concerns regarding the balance due. Our representative explained the necessary dispute process and also advised that a copy of the debtor’s proof of debt could be requested and sent to the debtor via regular mail. The debtor stated that he had already provided the dispute correspondence to other agencies and was upset that our company had not received these documents. The debtor terminated the call with our representative. Our representatives were unable to reach the debtor again and we did not receive any supporting documentation to our office. On February 25, 2015, the debtor was mailed paperwork advising of the pending Administrative Wage Garnishment status and provided the forms for the debtor to request a hearing if he chose. On March 17, 2015, the debtor again expressed his intentions to dispute the balance due. Our representative advised the debtor that he had been submitted for Administrative Wage Garnishment, and reviewed the process for submitting a hearing request based on the debtor’s dispute of the charges accrued. On June 10, 2015, our representative informed the debtor that although we now were in receipt of his dispute correspondence, he would also need to complete and return a hearing request form. Our representative explained that this form was required by the client due to the garnishment status of the debtor’s account. On July 6, 2015, our company received the debtor’s completed hearing request form. On July 8, 2015, all of the debtor’s documents were forwarded to our client for review. To date, the client has not completed the review and no determination has been made regarding the debtor’s hearing request.We agree it is our responsibility to attempt to resolve debtor complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the debtor’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 debtor’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 debtor in question. Therefore, because of the possibility that the debtor’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the debtor from our response.