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: While we understand the consumer’s expressed frustration, payments are not processed on our payment processing system. The client’s payment processing system can alternatively generate a confirmation. Our systems do not issue the confirmations. Our representatives could have better explained this process. The original creditor is responsible for issuing a paid in full notice. The consumer will need to contact the client with any further questions regarding his 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.
February 10, 2017Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. We received and reviewed the correspondence regarding...
the consumer and provide the following response:Upon review of the file, we ascertain no merit to allegations raised by the consumer. Records do not substantiate excessive calls or 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 due to the consumer’s full cease and desist. The consumer must rescind the cease and desist before our office may engage in additional communication with him concerning the account in question. Should the consumer provide our office permission to resume we will be able to resume communications concerning the status of his account.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in 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 thefollowing response: On March 19, 2017, our client placed an account in our office in the consumer's...
name. At any time, a consumer is in default; he may be subject to involuntary activity in the form of a tax offset. The determination of certification for this process is made by our client. Our office does not determine or control the amount of the offset. According to account notes and a review of our recordings, we maintain our representatives were professional at all times. While we understand the expressed concerns of the consumer, please note our office has no control over the tax offset process. Records reflect the consumer's tax offsets have posted to his account and the account has been closed and returned to the client. Should the consumer have any additional questions and/or concerns, he will need to contact the client directly. 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 find that this resolution is satisfactory to me.
Regards,
[redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tothis inquiry. We received and reviewed the correspondence regarding the account and providethe following response:Our client had provided the complainant’s address as a contact address for the consumer...
ouroffice was attempting to contact. Upon receipt of the consumer’s concerns identified throughyour office; our systems were programmed not to mail correspondence to his address in thefuture. 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 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.” In additionthere 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.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 number [redacted]. We have received and reviewed the correspondence regarding the consumer concerns and provide the following response: We have reviewed the complainant’s concerns and...
researched our records. Unfortunately, due to the limited information provided by the complainant, 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 us with the name of the person we were attempting to locate or any other applicable information. Our goal is to assist the complainant with resolving her 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.
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 this inquiry. We received and reviewed the correspondence regarding the account and provide the following response:We have reviewed our business record related to complaint ID [redacted]. We find our...
representative contacted the complainant to obtain location information. Our representative did not request the complainant’s action, rather the complainant offered to personally deliver a message. Our representative also did not state the call was a “personal legal matter”. Immediately upon the complainant’s request to cease future calls, our systems were appropriately updated.Thank you for providing our office with the opportunity to respond.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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. There may be federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility the complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.Please contact our office with any questions or requests for additional information.
Complaint ID: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response:Upon receipt of the consumer’s concerns identified...
through Revdex.com, our systems have been programmed to prevent outbound calls to the phone number in the 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.
September 21, 2016Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228Complaint ID: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding...
the consumer and provide the following response: On August 21, 2016, our client placed a matter concerning the consumer with our office. We have been unable to communicate with the consumer and sought to confirm we had accurate contact information on file. Our communication intends only to help consumers avoid negativeconsequences and inform consumers about their options for resolution. Our records do not show harassment and the consumer is welcome to contact our office for further assistance. Our only communication from the consumer has been the receipt of the complaint submittedthrough your office on September 8, 2016. We honored the consumer’s request for further telephone communication to cease. We will continue to send written correspondence regarding the account to the address on record.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-publicinformation 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 ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, 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.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
Lisa Dumas
The business asked for the ticket number or file number. It is enclosed in this response. It is hard for me to believe they could not find the account with my name and address. Letter ID [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence from your office regarding the consumer and provide the following response:Our records indicate the consumer verbally enrolled in the Federal...
Rehabilitation Loan Program on January 9, 2017. At that time the consumer’s qualifying payment was determined based on the information she provided by telephone. Our representative explained upon receipt of her supporting documentation proving her income, her payment may fluctuate and the initial payment quoted was an estimate. Upon receiving her 2016 W-2 statements on January 24, 2017, her minimum required payment for the program increased by $0.75. On January 25, 2017 the consumer rectified the minimum January payment requirement by presenting a payment of $1.00. On January 29, 2017 our system generated a required notice advising the consumer of the required payment adjustment as required, even though the consumer had already remedied the matter. Because a payment had not posted to her account by the February 9, 2017 due date, our system generated a notice indicating the consumer’s payment had not been received. These notices did not reference Administrative Wage Garnishment. We apologize the consumer had experienced technical issues while contacting our office by telephone. We were unaware of these issues preventing calls from being connected and will monitor and correct this problem. Pioneer is committed to assisting consumers complete their repayment programs. In addition to remitting payments by telephone, the consumer may remit payment by mail, online, or set up as an automatic recurring payment. The consumer may also email us at [redacted] or through our website [redacted] with a convenient time the consumer wishes one of our representatives to call her. As the consumer’s complaint also referenced her inability to print a copy of her Rehabilitation agreement, we have mailed a copy to her under separate cover for her records. She may contact our Senior Collection Manager Mr. Tim B[redacted] by calling ###-###-#### toll-free or ###-###-#### Ext [redacted] locally to address any issues.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 additional concerns and provide the following response: Our client has provided the following information regarding the consumer’s concerns with a $3.00 and a $5.00 fee showing on the account. These balance adjustments reflect on the account with an entered date of January 13, 2017, which was prior to the date the account was placed in our office. These adjustments were reflecting payments which were made prior to the client placing the account in our office, and were not fees added by Pioneer. The adjustments appeared on our Effective Payment Prior to Placement report; therefore, we updated the account accordingly. Pioneer does not report information to credit reporting agencies; therefore, we cannot provide information regarding how these fees are reflecting on the consumer’s credit report. We are unable to provide further details regarding these fees, due to the account not being placed with our office on the date they occurred. On February 11, 2017, our client placed an account in our office in the consumer’s name. This gave us a permissible purpose pursuant to section 604(a) (3) (A) of the Fair Credit Reporting Act to obtain the credit report. Pursuant to that section of the FCRA, a “consumer reporting agency may furnish a consumer report (3) to a person which it has reason to believe (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer”. On February 16, 2017, our office received an Experian Credit Report, and two tradelines were reflected. Our office does not report information to consumer reporting agencies; therefore, we cannot speak on behalf of the requested information, and how this account is reflecting on the consumer’s credit report currently. Also, our office has not obtained a credit report since the account was paid; therefore, we are unaware of the current status, the impact it has on the consumer’s credit report, or adjustments that may be made. We suggest the consumer address any further concerns directly to our client. While we understand the expressed concerns of the consumer, please note at any time a consumer’s account is in default, the consumer may be subject to involuntary activity in the form of a tax offsets. The determination of certification for this process is made by our client. Our office does not determine, control the amount, or have any control over the tax offset process. Our notes indicate the consumer’s account has been paid in full as of April 13, 2017 due to federal offsets; however, Pioneer does not report information to consumer reporting agencies; therefore, the consumer would need to contact the client to verify how the paid account is reflecting on the credit report currently. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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.
:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. Our office received and reviewed the correspondence regarding thecomplainant and provides the following response:On May 12, 2012, our client placed a traffic citation with our office in...
the complainant’s name.Upon receiving updated location information on January 25, 2016, a notice was mailed to thecomplainant’s address on file advising her of the status of her account in our office.On February 12, 2016, the complainant contacted our office for more information relating to thetraffic citation. During this contact, the complainant stated she was not the individual whom ouroffice was attempting to contact. To support her dispute, the complainant was asked to providea photocopy of her driver’s license or state I.D. along with a signed statement disputing thecitation. To date, the complainant has yet to provide our office with this information. Our callrecordings do not corroborate the complainant’s allegations of unprofessional conduct by ourrepresentatives. We encourage the complainant to provide the requested information so we mayassist her in resolving this issue.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. In addition, there may be other federal and/or state privacy lawsthat apply to release of information regarding the consumer in question. Therefore, because of thepossibility that the defendant’s complaint and our response may be publicly posted on the Revdex.comwebsite; we have omitted all nonpublic, personal information regarding the consumer from ourresponse.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I would like to know why I was not contacted by Pioneer prior to this complaint. I started sending payments in January 2017. When I realized it was the wrong company I contacted them right away. Pioneer never let me know they are collecting for the state on my behalf until I sent in this complaint. Now as soon as I made this complaint I get a letter from pioneer telling me that they are collecting for the State of NJ. Also they do not acknowledge my payment of 450.00 towards the collection total.I am not satisfied with this reply from pioneer. I want to know why I did not receive a letter prior to my complaint to Revdex.com and where is the 450.00 applied. I know what I have to pay and I am willing to pay what is owed but when I ask the questions and I am ignored I see a problem.
Regards,
*
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: In an effort to locate another individual, on July 27, 2016,...
we contacted a person we believed to be affiliated with her. That same day, the complainant contacted our office and stated she did not want any further calls. We immediately placed a do not call on the numbers provided. Upon receipt of the complainant’s concerns through your office, her telephone numbers were blocked from being dialed from all of our facilities. We appreciate notification of the matter and apologize to the complainant for any inconvenience this matter may have caused. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 have received and reviewed the correspondence received regarding the complainant and provide the following response: Records indicate that we contacted the complainant in...
attempts to verify/obtain location information for an individual whom we are seeking communication with. Our representative explained to the complainant we believed the she may have had the correct contact information for our intended party. Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have been programmed not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience this matter may have caused. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 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.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
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 November 15, 2015, our client placed an account in our office in the consumer’s...
name. We attempted to contact the consumer regarding the information; however, she did not respond to our correspondence or telephone calls. Using third party vendors, we attempted to obtain updated location information for the consumer. Our representatives contacted third parties who could potentially confirm or correct the consumer’s location information. Our representatives attempted to contact the consumer at her place of employment by dialing the main phone number for the business as we did not have a direct contact number for the consumer. Our representative asked to be transferred to the consumer’s department. Our representative did not select random extensions as indicated in the complaint. When we were asked not to call the consumer at her place of employment, we ceased calls.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. No disclosures were made during any of our attempts to speak with the consumer and our company name was only provided if expressly asked. Our representatives only explained we were calling in reference to a personal business matter when asked and did not use the term emergency.To date, we have not had the opportunity to discuss this matter with the consumer. She is encouraged to contact our office at the telephone number provided in the correspondence that was mailed to her at the address on file. After verifying her identity, we would be happy to see how we may assist her with this matter. Any communication intends to remind consumers of an obligation, help to avoid negative consequences and inform consumers about options. We will continue to send written correspondence regarding the account to the 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 to complaint # [redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: While we understand the consumer’s expressed frustration, payments are not processed on our payment processing system. The client’s payment processing system can alternatively generate a confirmation. Our systems do not issue the confirmations. Our representatives could have better explained this process. The original creditor is responsible for issuing a paid in full notice. The consumer will need to contact the client with any further questions regarding his 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.
February 10, 2017Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228File Number: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. We received and reviewed the correspondence regarding...
the consumer and provide the following response:Upon review of the file, we ascertain no merit to allegations raised by the consumer. Records do not substantiate excessive calls or 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 due to the consumer’s full cease and desist. The consumer must rescind the cease and desist before our office may engage in additional communication with him concerning the account in question. Should the consumer provide our office permission to resume we will be able to resume communications concerning the status of his account.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 competentjurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in 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 thefollowing response: On March 19, 2017, our client placed an account in our office in the consumer's...
name. At any time, a consumer is in default; he may be subject to involuntary activity in the form of a tax offset. The determination of certification for this process is made by our client. Our office does not determine or control the amount of the offset. According to account notes and a review of our recordings, we maintain our representatives were professional at all times. While we understand the expressed concerns of the consumer, please note our office has no control over the tax offset process. Records reflect the consumer's tax offsets have posted to his account and the account has been closed and returned to the client. Should the consumer have any additional questions and/or concerns, he will need to contact the client directly. 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 find that this resolution is satisfactory to me.
Regards,
[redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tothis inquiry. We received and reviewed the correspondence regarding the account and providethe following response:Our client had provided the complainant’s address as a contact address for the consumer...
ouroffice was attempting to contact. Upon receipt of the consumer’s concerns identified throughyour office; our systems were programmed not to mail correspondence to his address in thefuture. 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 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.” In additionthere 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.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 number [redacted]. We have received and reviewed the correspondence regarding the consumer concerns and provide the following response: We have reviewed the complainant’s concerns and...
researched our records. Unfortunately, due to the limited information provided by the complainant, 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 us with the name of the person we were attempting to locate or any other applicable information. Our goal is to assist the complainant with resolving her 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.
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 this inquiry. We received and reviewed the correspondence regarding the account and provide the following response:We have reviewed our business record related to complaint ID [redacted]. We find our...
representative contacted the complainant to obtain location information. Our representative did not request the complainant’s action, rather the complainant offered to personally deliver a message. Our representative also did not state the call was a “personal legal matter”. Immediately upon the complainant’s request to cease future calls, our systems were appropriately updated.Thank you for providing our office with the opportunity to respond.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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. There may be federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility the complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response.Please contact our office with any questions or requests for additional information.
Complaint ID: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding the consumer and provide the following response:Upon receipt of the consumer’s concerns identified...
through Revdex.com, our systems have been programmed to prevent outbound calls to the phone number in the 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.
September 21, 2016Revdex.com, Inc.Attn: [redacted]100 Bryant Woods SouthAmherst, NY 14228Complaint ID: [redacted]Dear [redacted]:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence regarding...
the consumer and provide the following response: On August 21, 2016, our client placed a matter concerning the consumer with our office. We have been unable to communicate with the consumer and sought to confirm we had accurate contact information on file. Our communication intends only to help consumers avoid negativeconsequences and inform consumers about their options for resolution. Our records do not show harassment and the consumer is welcome to contact our office for further assistance. Our only communication from the consumer has been the receipt of the complaint submittedthrough your office on September 8, 2016. We honored the consumer’s request for further telephone communication to cease. We will continue to send written correspondence regarding the account to the address on record.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-publicinformation 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 ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, 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.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
Lisa Dumas
The business asked for the ticket number or file number. It is enclosed in this response. It is hard for me to believe they could not find the account with my name and address. Letter ID [redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID [redacted]. We received and reviewed the correspondence from your office regarding the consumer and provide the following response:Our records indicate the consumer verbally enrolled in the Federal...
Rehabilitation Loan Program on January 9, 2017. At that time the consumer’s qualifying payment was determined based on the information she provided by telephone. Our representative explained upon receipt of her supporting documentation proving her income, her payment may fluctuate and the initial payment quoted was an estimate. Upon receiving her 2016 W-2 statements on January 24, 2017, her minimum required payment for the program increased by $0.75. On January 25, 2017 the consumer rectified the minimum January payment requirement by presenting a payment of $1.00. On January 29, 2017 our system generated a required notice advising the consumer of the required payment adjustment as required, even though the consumer had already remedied the matter. Because a payment had not posted to her account by the February 9, 2017 due date, our system generated a notice indicating the consumer’s payment had not been received. These notices did not reference Administrative Wage Garnishment. We apologize the consumer had experienced technical issues while contacting our office by telephone. We were unaware of these issues preventing calls from being connected and will monitor and correct this problem. Pioneer is committed to assisting consumers complete their repayment programs. In addition to remitting payments by telephone, the consumer may remit payment by mail, online, or set up as an automatic recurring payment. The consumer may also email us at [redacted] or through our website [redacted] with a convenient time the consumer wishes one of our representatives to call her. As the consumer’s complaint also referenced her inability to print a copy of her Rehabilitation agreement, we have mailed a copy to her under separate cover for her records. She may contact our Senior Collection Manager Mr. Tim B[redacted] by calling ###-###-#### toll-free or ###-###-#### Ext [redacted] locally to address any issues.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 additional concerns and provide the following response: Our client has provided the following information regarding the consumer’s concerns with a $3.00 and a $5.00 fee showing on the account. These balance adjustments reflect on the account with an entered date of January 13, 2017, which was prior to the date the account was placed in our office. These adjustments were reflecting payments which were made prior to the client placing the account in our office, and were not fees added by Pioneer. The adjustments appeared on our Effective Payment Prior to Placement report; therefore, we updated the account accordingly. Pioneer does not report information to credit reporting agencies; therefore, we cannot provide information regarding how these fees are reflecting on the consumer’s credit report. We are unable to provide further details regarding these fees, due to the account not being placed with our office on the date they occurred. On February 11, 2017, our client placed an account in our office in the consumer’s name. This gave us a permissible purpose pursuant to section 604(a) (3) (A) of the Fair Credit Reporting Act to obtain the credit report. Pursuant to that section of the FCRA, a “consumer reporting agency may furnish a consumer report (3) to a person which it has reason to believe (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer”. On February 16, 2017, our office received an Experian Credit Report, and two tradelines were reflected. Our office does not report information to consumer reporting agencies; therefore, we cannot speak on behalf of the requested information, and how this account is reflecting on the consumer’s credit report currently. Also, our office has not obtained a credit report since the account was paid; therefore, we are unaware of the current status, the impact it has on the consumer’s credit report, or adjustments that may be made. We suggest the consumer address any further concerns directly to our client. While we understand the expressed concerns of the consumer, please note at any time a consumer’s account is in default, the consumer may be subject to involuntary activity in the form of a tax offsets. The determination of certification for this process is made by our client. Our office does not determine, control the amount, or have any control over the tax offset process. Our notes indicate the consumer’s account has been paid in full as of April 13, 2017 due to federal offsets; however, Pioneer does not report information to consumer reporting agencies; therefore, the consumer would need to contact the client to verify how the paid account is reflecting on the credit report currently. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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.
:We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. Our office received and reviewed the correspondence regarding thecomplainant and provides the following response:On May 12, 2012, our client placed a traffic citation with our office in...
the complainant’s name.Upon receiving updated location information on January 25, 2016, a notice was mailed to thecomplainant’s address on file advising her of the status of her account in our office.On February 12, 2016, the complainant contacted our office for more information relating to thetraffic citation. During this contact, the complainant stated she was not the individual whom ouroffice was attempting to contact. To support her dispute, the complainant was asked to providea photocopy of her driver’s license or state I.D. along with a signed statement disputing thecitation. To date, the complainant has yet to provide our office with this information. Our callrecordings do not corroborate the complainant’s allegations of unprofessional conduct by ourrepresentatives. We encourage the complainant to provide the requested information so we mayassist her in resolving this issue.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com.We also understand the Revdex.com may or may not publish the consumer’s complaint and our responseson the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com hasassumed responsibility for protecting the consumer’s privacy, and non-public information frombeing viewed by third parties. In addition, there may be other federal and/or state privacy lawsthat apply to release of information regarding the consumer in question. Therefore, because of thepossibility that the defendant’s complaint and our response may be publicly posted on the Revdex.comwebsite; we have omitted all nonpublic, personal information regarding the consumer from ourresponse.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I would like to know why I was not contacted by Pioneer prior to this complaint. I started sending payments in January 2017. When I realized it was the wrong company I contacted them right away. Pioneer never let me know they are collecting for the state on my behalf until I sent in this complaint. Now as soon as I made this complaint I get a letter from pioneer telling me that they are collecting for the State of NJ. Also they do not acknowledge my payment of 450.00 towards the collection total.I am not satisfied with this reply from pioneer. I want to know why I did not receive a letter prior to my complaint to Revdex.com and where is the 450.00 applied. I know what I have to pay and I am willing to pay what is owed but when I ask the questions and I am ignored I see a problem.
Regards,
*
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: In an effort to locate another individual, on July 27, 2016,...
we contacted a person we believed to be affiliated with her. That same day, the complainant contacted our office and stated she did not want any further calls. We immediately placed a do not call on the numbers provided. Upon receipt of the complainant’s concerns through your office, her telephone numbers were blocked from being dialed from all of our facilities. We appreciate notification of the matter and apologize to the complainant for any inconvenience this matter may have caused. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 have received and reviewed the correspondence received regarding the complainant and provide the following response: Records indicate that we contacted the complainant in...
attempts to verify/obtain location information for an individual whom we are seeking communication with. Our representative explained to the complainant we believed the she may have had the correct contact information for our intended party. Upon receipt of the consumer’s concerns identified through Revdex.com, our systems have been programmed not to dial the phone number in the future. We appreciate notification of the matter and apologize for any inconvenience this matter may have caused. We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 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.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
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 November 15, 2015, our client placed an account in our office in the consumer’s...
name. We attempted to contact the consumer regarding the information; however, she did not respond to our correspondence or telephone calls. Using third party vendors, we attempted to obtain updated location information for the consumer. Our representatives contacted third parties who could potentially confirm or correct the consumer’s location information. Our representatives attempted to contact the consumer at her place of employment by dialing the main phone number for the business as we did not have a direct contact number for the consumer. Our representative asked to be transferred to the consumer’s department. Our representative did not select random extensions as indicated in the complaint. When we were asked not to call the consumer at her place of employment, we ceased calls.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. No disclosures were made during any of our attempts to speak with the consumer and our company name was only provided if expressly asked. Our representatives only explained we were calling in reference to a personal business matter when asked and did not use the term emergency.To date, we have not had the opportunity to discuss this matter with the consumer. She is encouraged to contact our office at the telephone number provided in the correspondence that was mailed to her at the address on file. After verifying her identity, we would be happy to see how we may assist her with this matter. Any communication intends to remind consumers of an obligation, help to avoid negative consequences and inform consumers about options. We will continue to send written correspondence regarding the account to the 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.