October 5, 2016Revdex.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:On August 21, 2016, our client placed a personal business matter in our office matching the complainant’s information. Our office attempted to contact the complainant as well as verify the complaint’s current contact information. On September 21, 2016 the complainant contacted our office to orally request that calls cease. Pioneer has honored the request and has updated our system to prevent future calls. As a matter of explanation, our calls are intended to maintain an open line of communication and are not intended to harass. Any communication intends to help to avoid negative consequences and inform individuals about their options to resolve any matter placed with our office. Frequently, these communications provide a positive and beneficial outcome. We encourage the complainant to reach out to our management team if she has further questions, concerns, or would like 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.” 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 to complaint ID [redacted]. We received and reviewed the correspondence from your office regarding the consumer and provide the following response: According to account notes and a review of our recordings,...
we maintain that our representatives followed protocols and procedures implemented for the release of a garnishment. As a result of the consumer providing a payment confirmation the same day a request for garnishment release had been ordered, the change in the account disposition resulted in the system requested release being overridden. This was an unknown system issue due to the rarity of the concurrent system changes. Upon identifying the error, prompt action was taken to remedy the matter. Our records indicate the release was faxed to the consumer’s employer within seven (7) business days of the payment posting to the account. We apologize for any inconveniences. Should the consumer have additional questions or concerns regarding the account, she may contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence regarding the complainant’s concerns andprovide the following response:Our office understands that the complainant is frustrated with her...
defaulted federal student loans. Wehave spoken with this complainant on several occasions and our representatives have reviewed optionswith the complainant to help her resolve this obligation.Our client placed the complainant’s defaulted federal student loans in our office for collection on October4, 2015. Our representatives began attempting to contact the complainant via telephone and regular mail;however, she did not respond to our written correspondence or calls. When the complainant’s loansbecame eligible for Administrative Wage Garnishment processing in accordance with federal regulations,an Administrative Wage Garnishment warning was mailed to the complainant on November 6, 2015. OnNovember 14, 2015, a Notice Prior to Wage Withholding was mailed to the complainant, which alsoincluded Hearing Request forms and directions. On December 29, 2015, an Order of Withholding wasmailed to the complainant’s place of employment. On January 30, 2016, the wage garnishment paymentsbegan posting to the complainant’s loan account.Five months after the defaulted federal loans were placed for collection, on February 8, 2016, thecomplainant contacted our office. Our representative explained the status of the account and thecomplainant acknowledged she had received the Administrative Wage Garnishment information. Ourrepresentative offered options to resolve the account to which the complainant stated she would follow upwith our office. On March 21, 2016, the complainant contacted our office and our representativeexplained options to resolve her account, with the complainant expressing interest in the federal loanrehabilitation program. Our representative explained that after five payments in this program, the wagegarnishment could be suspended.The complainant continued to contact our office seven additional times that day in regards to finalizingher entry into the rehabilitation program and her request to have new Hearing Request forms sent to her,but she disconnected three times. During one call, the complainant requested our representative’semployee ID number. Our representative identified herself fully by providing her first and last name andresolved the complainant’s concerns. On March 22, 2016, the complainant attempted to contact ouroffice 14 times and spoke with our representatives seven times in regards to the Hearing Request forms.Again, our representatives assisted the complainant.The next day, our manager attempted to contact the complainant to advise of the incoming facsimile.Later in the day, the complainant contacted our office and stated she had received the request for hearinginformation and returned to our office. Our representative explained the process to the complainant andthe call ended.After reviewing our records, we find that our representatives have responded to the complainant in amanner that is respectful of her rights as consumer, in compliance with applicable laws, and further notethat we do understand defaulted federal student loans may be difficult to manage. Our representativessent the complainant the requested Hearing Request forms on November 14, 2015. The complainantstated she received the forms on a recorded call. On March 22, 2016, our representatives attempted tosend requested information to the complainant three times via facsimile; however, the numbers providedwere not correct. The complainant contacted our office after 7:00 p.m. that same day and provided adifferent facsimile number. We explained we would send the information the next day as our departmenthandling facsimile transmission had closed for the day. We sent the forms to the complainant again onMarch 23, 2016, via facsimile and the complainant advised our office she received the forms.If the complainant needs further assistance with her Hearing Request or has other concerns regarding heraccount, she may contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. Wealso understand the Revdex.com may or may not publish the consumer’s complaint and our responses on theRevdex.com’s website. 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 being viewed bythird 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 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.” 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 complainant’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic,personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: On July 11, 2016, our client placed an account in our office in...
the consumer’s name. On July 14, 2016, the initial validation notice was sent to the consumer via regular mail. Pioneer did not receive any notice from the United States Postal Service indicating the mail was undeliverable. Initial contact with the consumer occurred on July 27, 2016. The consumer was advised of the status of the account; the consumer indicated he had not received any notices regarding the account. The consumer advised our representative the mailing address was incorrect; and provided our representative with the correct information. Our representative advised the consumer as his home address was updated, a new letter would be sent to him. The consumer provided his payment information to resolve the outstanding balance. The consumer expressed his desire to receive the confirmation number via email; and provided his email address. The payment was processed; using the clients approved payment processing site. Our office does not send the confirmation emails; they are sent directly from the processing site. This email could possibly be in the consumer’s spam box. Our office cannot issue the consumer with a paid in full notice; this will be issued from the original creditor directly. Currently, the consumer’s account is no longer with our office. 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.
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:Records do not indicate that our company received any incoming calls...
from the consumer, nor do they support that our representative ever spoke with an individual claiming to be the consumer. The phone number on file for the consumer’s place of employment went to an answering service. The receptionist asked to take a message for the consumer and then requested to know who was calling and the nature of the call. When asked, our representative provided our company’s name and stated that the call was in regards to a personal business matter in our office. This general message was left with the consumer’s employer multiple times, each time having been asked by the receptionist if our representative wished to leave a message for the consumer. On November 25, 2015, our representative attempted to contact the consumer at her place of employment once more, but was notified by the receptionist that the consumer was unable to receive personal calls at work. Our system was updated to reflect that no more calls be placed to the consumer’s employer.On November 11, 2015, an initial validation notification was mailed to the consumer’s address on file. Upon receipt of the consumer’s concerns submitted through your office, our company was provided with the consumer’s updated location information. The consumer’s account will be updated accordingly to reflect the consumer’s newly confirmed address, and another initial validation notification will be issued per the consumer’s request.According to account notes and a review of our recordings, we maintain that our representatives were professional at all times. Should the consumer have questions and/or concerns regarding the account, she may contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 theconsumer'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]
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 would like for them to email me or mail a letter with a resolution to the amount that I supposedly owe and also all documentation regarding previous payments I made and all info regarding my alleged debt.I would like to get this resolved in one lump sum if I agree that I do indeed owe the debt. Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[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 from your office regarding the consumer and provide the following response:We did not provide the consumer’s personal nonpublic...
information to any unauthorized person nor did we discuss the consumer’s matter in detail with any third party. Our contact attempts to reach the consumer failed and our representatives sought to confirm/correct the consumer’s location information.Upon receipt of the concerns identified by the consumer on April 13, 2017, her account was updated to reflect her request for no further third party calls. Currently, the consumer’s account remains in our office. We would like to discuss options available to the consumer regarding resolution. Should she have any questions and/or concerns, she can contact our office directly.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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.
I would like to mail the returned checks and have them processed towards the debt and from then on out I will do money orders. This company is very unclear on how they process payments and I do not believe its fair for a business to state that a check is a "personal" check, especially when said checks do not have my signature on them anywhere but rather a banker's signature, and I do believe a personal check would be signed by me, but this is not the situation. Also, the banker's signature, in my eyes (I could be wrong) would be a guarantee, if you will, of funds not by me, but from the bank.Pioneer was called out about the situation by me and after I pointed out that a personal check would be signed by me and not a banker Pioneer started backtracking because a manager didn't want to look stupid. So if we could work this out that would be great
File 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 complainant and provide the following response:On July 29, 2015, our client placed an account in...
our office matching the complainant’s information. On August 1, 2015, an initial validation notice was mailed to the complainant; however, our company later received a mail return for this correspondence on September 2, 2015. Records do not support harassment of any kind, as all calls were made in accordance with our internal call attempt/contact policies. A review of the call history on this account does not show any auto-dialed calls as having been placed, nor any auto-messages having been left. Only four calls in total were made on this account since placement in our office, all of which were human made. To date, there is no indication that our representative has had an opportunity to discuss the account with the complainant. Our company does not report to the credit bureaus for this client. The complainant is encouraged to contact our office at ###-###-####8, to discuss payment options.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the 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 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.
October 5, 2016Revdex.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:On August 21, 2016, our client placed a personal business matter in our office matching the complainant’s information. Our office attempted to contact the complainant as well as verify the complaint’s current contact information. On September 21, 2016 the complainant contacted our office to orally request that calls cease. Pioneer has honored the request and has updated our system to prevent future calls. As a matter of explanation, our calls are intended to maintain an open line of communication and are not intended to harass. Any communication intends to help to avoid negative consequences and inform individuals about their options to resolve any matter placed with our office. Frequently, these communications provide a positive and beneficial outcome. We encourage the complainant to reach out to our management team if she has further questions, concerns, or would like 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.” 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 to complaint ID [redacted]. We received and reviewed the correspondence from your office regarding the consumer and provide the following response: According to account notes and a review of our recordings,...
we maintain that our representatives followed protocols and procedures implemented for the release of a garnishment. As a result of the consumer providing a payment confirmation the same day a request for garnishment release had been ordered, the change in the account disposition resulted in the system requested release being overridden. This was an unknown system issue due to the rarity of the concurrent system changes. Upon identifying the error, prompt action was taken to remedy the matter. Our records indicate the release was faxed to the consumer’s employer within seven (7) business days of the payment posting to the account. We apologize for any inconveniences. Should the consumer have additional questions or concerns regarding the account, she may contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s website. By posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer's complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence regarding the complainant’s concerns andprovide the following response:Our office understands that the complainant is frustrated with her...
defaulted federal student loans. Wehave spoken with this complainant on several occasions and our representatives have reviewed optionswith the complainant to help her resolve this obligation.Our client placed the complainant’s defaulted federal student loans in our office for collection on October4, 2015. Our representatives began attempting to contact the complainant via telephone and regular mail;however, she did not respond to our written correspondence or calls. When the complainant’s loansbecame eligible for Administrative Wage Garnishment processing in accordance with federal regulations,an Administrative Wage Garnishment warning was mailed to the complainant on November 6, 2015. OnNovember 14, 2015, a Notice Prior to Wage Withholding was mailed to the complainant, which alsoincluded Hearing Request forms and directions. On December 29, 2015, an Order of Withholding wasmailed to the complainant’s place of employment. On January 30, 2016, the wage garnishment paymentsbegan posting to the complainant’s loan account.Five months after the defaulted federal loans were placed for collection, on February 8, 2016, thecomplainant contacted our office. Our representative explained the status of the account and thecomplainant acknowledged she had received the Administrative Wage Garnishment information. Ourrepresentative offered options to resolve the account to which the complainant stated she would follow upwith our office. On March 21, 2016, the complainant contacted our office and our representativeexplained options to resolve her account, with the complainant expressing interest in the federal loanrehabilitation program. Our representative explained that after five payments in this program, the wagegarnishment could be suspended.The complainant continued to contact our office seven additional times that day in regards to finalizingher entry into the rehabilitation program and her request to have new Hearing Request forms sent to her,but she disconnected three times. During one call, the complainant requested our representative’semployee ID number. Our representative identified herself fully by providing her first and last name andresolved the complainant’s concerns. On March 22, 2016, the complainant attempted to contact ouroffice 14 times and spoke with our representatives seven times in regards to the Hearing Request forms.Again, our representatives assisted the complainant.The next day, our manager attempted to contact the complainant to advise of the incoming facsimile.Later in the day, the complainant contacted our office and stated she had received the request for hearinginformation and returned to our office. Our representative explained the process to the complainant andthe call ended.After reviewing our records, we find that our representatives have responded to the complainant in amanner that is respectful of her rights as consumer, in compliance with applicable laws, and further notethat we do understand defaulted federal student loans may be difficult to manage. Our representativessent the complainant the requested Hearing Request forms on November 14, 2015. The complainantstated she received the forms on a recorded call. On March 22, 2016, our representatives attempted tosend requested information to the complainant three times via facsimile; however, the numbers providedwere not correct. The complainant contacted our office after 7:00 p.m. that same day and provided adifferent facsimile number. We explained we would send the information the next day as our departmenthandling facsimile transmission had closed for the day. We sent the forms to the complainant again onMarch 23, 2016, via facsimile and the complainant advised our office she received the forms.If the complainant needs further assistance with her Hearing Request or has other concerns regarding heraccount, she may contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. Wealso understand the Revdex.com may or may not publish the consumer’s complaint and our responses on theRevdex.com’s website. 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 being viewed bythird 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 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.” 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 complainant’scomplaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic,personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # [redacted]. We received and reviewed the correspondence regarding the consumer’s concerns and provide the following response: On July 11, 2016, our client placed an account in our office in...
the consumer’s name. On July 14, 2016, the initial validation notice was sent to the consumer via regular mail. Pioneer did not receive any notice from the United States Postal Service indicating the mail was undeliverable. Initial contact with the consumer occurred on July 27, 2016. The consumer was advised of the status of the account; the consumer indicated he had not received any notices regarding the account. The consumer advised our representative the mailing address was incorrect; and provided our representative with the correct information. Our representative advised the consumer as his home address was updated, a new letter would be sent to him. The consumer provided his payment information to resolve the outstanding balance. The consumer expressed his desire to receive the confirmation number via email; and provided his email address. The payment was processed; using the clients approved payment processing site. Our office does not send the confirmation emails; they are sent directly from the processing site. This email could possibly be in the consumer’s spam box. Our office cannot issue the consumer with a paid in full notice; this will be issued from the original creditor directly. Currently, the consumer’s account is no longer with our office. 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.
I have resolved the problem with Pioneer Collection Agency. Thank you for all your help. [redacted]
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:Records do not indicate that our company received any incoming calls...
from the consumer, nor do they support that our representative ever spoke with an individual claiming to be the consumer. The phone number on file for the consumer’s place of employment went to an answering service. The receptionist asked to take a message for the consumer and then requested to know who was calling and the nature of the call. When asked, our representative provided our company’s name and stated that the call was in regards to a personal business matter in our office. This general message was left with the consumer’s employer multiple times, each time having been asked by the receptionist if our representative wished to leave a message for the consumer. On November 25, 2015, our representative attempted to contact the consumer at her place of employment once more, but was notified by the receptionist that the consumer was unable to receive personal calls at work. Our system was updated to reflect that no more calls be placed to the consumer’s employer.On November 11, 2015, an initial validation notification was mailed to the consumer’s address on file. Upon receipt of the consumer’s concerns submitted through your office, our company was provided with the consumer’s updated location information. The consumer’s account will be updated accordingly to reflect the consumer’s newly confirmed address, and another initial validation notification will be issued per the consumer’s request.According to account notes and a review of our recordings, we maintain that our representatives were professional at all times. Should the consumer have questions and/or concerns regarding the account, she may contact our office.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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 theconsumer'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]
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 would like for them to email me or mail a letter with a resolution to the amount that I supposedly owe and also all documentation regarding previous payments I made and all info regarding my alleged debt.I would like to get this resolved in one lump sum if I agree that I do indeed owe the debt. Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[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 from your office regarding the consumer and provide the following response:We did not provide the consumer’s personal nonpublic...
information to any unauthorized person nor did we discuss the consumer’s matter in detail with any third party. Our contact attempts to reach the consumer failed and our representatives sought to confirm/correct the consumer’s location information.Upon receipt of the concerns identified by the consumer on April 13, 2017, her account was updated to reflect her request for no further third party calls. Currently, the consumer’s account remains in our office. We would like to discuss options available to the consumer regarding resolution. Should she have any questions and/or concerns, she can contact our office directly.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.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.
I would like to mail the returned checks and have them processed towards the debt and from then on out I will do money orders. This company is very unclear on how they process payments and I do not believe its fair for a business to state that a check is a "personal" check, especially when said checks do not have my signature on them anywhere but rather a banker's signature, and I do believe a personal check would be signed by me, but this is not the situation. Also, the banker's signature, in my eyes (I could be wrong) would be a guarantee, if you will, of funds not by me, but from the bank.Pioneer was called out about the situation by me and after I pointed out that a personal check would be signed by me and not a banker Pioneer started backtracking because a manager didn't want to look stupid. So if we could work this out that would be great
File 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 complainant and provide the following response:On July 29, 2015, our client placed an account in...
our office matching the complainant’s information. On August 1, 2015, an initial validation notice was mailed to the complainant; however, our company later received a mail return for this correspondence on September 2, 2015. Records do not support harassment of any kind, as all calls were made in accordance with our internal call attempt/contact policies. A review of the call history on this account does not show any auto-dialed calls as having been placed, nor any auto-messages having been left. Only four calls in total were made on this account since placement in our office, all of which were human made. To date, there is no indication that our representative has had an opportunity to discuss the account with the complainant. Our company does not report to the credit bureaus for this client. The complainant is encouraged to contact our office at ###-###-####8, to discuss payment options.We agree it is our responsibility to attempt to resolve complaints presented to the Revdex.com. We also understand the Revdex.com may or may not publish the 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 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.