Lanier Collection Agency & Services

Hello, With regard to Mr [redacted] 's complaint, we have spoken with him on this matter with the same conclusion each timeWe first spoke with him in and he said this was not his accountAs is customary, we sent him all of the back up information available on the account, which included a document signed by him for his reviewHe then stated he was the victim of identity fraudWe informed him that we would be happy to help him get it resolved and to please provide us with a copy of the police report he had filedHe said he would send it to us and hung upWe have had no further contact with him until August of this year where we had an almost identical conversation to the one in It ended the same way, with him stating he would send it to us and hanging upWe will mark his account as disputed with the credit bureau and we have not attempted any additional methods of collection [redacted] President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:Mr [redacted] has again failed to address the issue at hand and resolve the situation, instead making unfounded assertions as to why I have contacted the Revdex.com and denying his company's representation of information When I initially talked to Mr [redacted] , I specifically asked him to pull the conversation from recorded calls in order to confirm what we had been told by his associate Many companies have this capability Unfortunately, Mr [redacted] said he did not record conversations or have that capability in his business If I were not absolutely sure of the information we were given, I would have never asked him to pull the conversation in the first place.Given that others who have reported to the Revdex.com have been told the same EXPLICIT information that those on payment plans will not be reported, there seems to be an issue with the business practices that are being used.Again, I ask for the situation to be remedied and for him to request that the credit bureaus remove this information from my credit report If I had this information initially, I would have restructured my repayment to doctor's offices, etcuntil the settlement arrived at the end of the year in order to accommodate this truth I am a responsible person who has never experienced a single issue with credit as I make informed decisions and pay according to what I am told, but if I am misinformed, the fault lies with the one who has misinformed, as my decisions were based upon that misinformation Again, I ask that Mr [redacted] honor what we were told initially by facilitating the removal of this information from my credit report Regards, [redacted] ***

Hello, Let me start by apologizing for any perceived rudeness, we often get that label by simply doing our job even when overly politeNeither myself nor the company is defensive on this point, it is a standard for handling accounts that was set a long time ago and that is adhered to by every employee, as stated previously, there is absolutely no incentive on our part to delay the payment in full on any account in our officeI also want to apologize if you felt I was trying to make you feel like you don't pay your bills, that was certainly not my intentWhile we are not in customer service we do not want to come across as rude although we have job to do that is not always pleasant

Hello, Based on the consumer's "Desired Outcome" listed in the complaint, there is no way to satisfy her requestI have checked our phone records and no calls were made to the place of employment after she requested no more callsIf a complaint is made to the CFPB we will respond as well as to the Attorney General or any attorney representing herHave them contact me directly please [redacted]

Hello, This account was placed in our office on 05/08/and a letter with the proper disclaimers was sent to her addressWe spoke with Tamika Blanchard on 06/16/with regard to the account, after identifying her and telling her of the bill, she ended the callWe spoke with her again on 06/09/2015, she said she was in the car on a trip and we would need to call backWe received the request for validation on 08/03/2017, printed the bill and financial agreement on 08/06/and mailed it on 08/07/The address that was on the validation request was the same one we had on file and that is where the information was sentWe have complied with all requests and laws regarding this matter Thanks, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:I strongly encourage you to check your phone records again, and I will gladly pull my work phone records if need beShe called me at work the first time and harrassed me after I told her I cannot recieve personal calls at workBy harrass I mean she had a severe attitude, she was very hateful and angry and she even threw out a hateful nameWho handles business that way? Surely this isn't the business you brag about on your websiteNot a full two weeks after the first call she called my cellphone, I could not answer due to working with a customer and she immediately called my work phone and the same situation happenedShe even raised her voice that time about me "hanging up on her" when in reality it was a dropped callWhat do you mean nothing can be done to resolve the issue of your unproffessional office staff? That's and I will not accept it until some kind of resolution has happenedThis again, is unacceptableYou should hold a higher standard for the people who represent youIf no resolution can be made I will have a personal representative reach out to you directly on my behalf Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I have not received any written communication from LCA regarding anything but the account for $169.00. I see no reason why their letters would not have arrived given the fact that I received their previous communications with no problems. If they can produce a certified letter receipt, with a signature verification that shows they attempted to contact me then I will stand corrected. That being said to the best of my knowledge they have not attempted to contact me other than the afore mentioned harassing phone call. If they would like to attempt to send an invoice with supporting documentation for the account they claim is due then I will be happy to look it over. Until such time as they meet such reasonable conditions, that any other reputable business would do, I will consider the matter to be dealt with and absolutely no payment will be issued. I simply will not turn over my hard earned money because this company "says" I owe for something without any proof. Regards, [redacted]

Hello, I apologize that the interaction with our company was unpleasantWe inform consumers of possible credit damage so they can avoid it if they chose toI have marked your account as a "Cease and Desist", which means you will receive no more callsPlease let
me know if there is anything else we can doThanks. *** ***

Hello, We actually have accounts total for Ms*** letters on all accounts were sent to the address provided by *** *** *** *** ** *** ** ***) to the original creditorsWe also had a conversation with MsJackson in January of with
regard to these accountsWe also received separate requests for validation of the accounts from MsJackson in May, June and August of We responded to all requests with the proper information and sent it to the same address as listed above, which was also the address that was listed on the requests for validationThe accounts remain unresolved, please feel free to call our office and speak with one of our representatives for assistanceThanks. *** ***

An address is not validation nor a contractI did not provide my address to themI do not have a signed contract nor have received services from themThis is in violation of my rights
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

[A default letter is provided here which indicates your
acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Hello, I will re-send the information regarding the account to the address listed on this complaintThe information will go out today. *** ***

Hello, Mr*** complaint would have been easily resolved had he allowed the representative to explainMr*** has (two) accounts with our companyHe paid a bill for $that was not the dental bill referenced in the complaintThe
payment slip he sent in with the $was for another creditorThe dental bill he references is for $and remains unpaid. *** ***

Hello, We send files to the Credit Bureaus once a month to update all listings with our companyOur file did not go to the Credit Bureaus until 07/20/for all June activityWe show the file as a zero balance and settled for less than the original amount
owedThe consumers credit file should be updated to a zero balance as soon as the Credit Bureaus update their recordsWe did confirm for the Credit Bureaus through EOscar (Their online dispute portal) on 07/19/that this account was settled in full and should be showing a zero balance on his credit file until the listing ages out and drops off sometime in Thanks and let me know if there are any other questions or concerns. *** ***President

Hello, We have sent the consumer information regarding this account and will resend it to him through the Revdex.com if necessaryWe take Identity theft very seriously and work with consumers regularly to resolve issues that arise from itWe have asked the consumer at every turn to provide us additional information to help him with this issue but it has never been providedWe have marked his credit file as disputed regarding this account, but without his cooperation there is little else we can do. *** ***President###-###-####

Hello,
We never received any document or confirmation that this was taken care of by an insurance company or any other third partyWe simply processed the payment authorized by the consumerIf proof can be provided and
this claim was paid we would be happy to process a refund for the consumerThe proof of payment can be faxed - ###-###-####, or emailed - *** or mailed to - PO *** *** *** ** ***Please put it to my attention and I will follow up personallyThanks
*** ***
###-###-####

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Hello, I attempted to address all of the concerns in my first response regardless of it being summarily rejected by the consumerNo one from our office ever promised Ms*** or her husband (who is the person she told me on the phone who heard the alleged agreement) that this would not go on their creditThis is simply frustration on being told that this would not be removed the credit reportI never once raised my voice or used a derogatory tone, I just did not have the answer the consumer desiredAgain, there is no inaccurate information being reported to the credit bureaus, all accounts turned over for collections are inherently late *** ***

Hello, We only report credit listings to Equifax, so regarding the mention of TransUnion and Experian has to be another company or stated incorrectlyWe do have a $account for *** *** and did receive a request to validate the
billWe sent information that explained what the charges were for to the address provided by Ms***This is a valid account and is being properly reported to Equifax, all required rules and regulations are being followed by LCA Services *** ***

Hello, Unfortunately making payments on an account in collections does not keep it from listing with the Credit BureausWhen an account is placed in collections it is already past due and subject to reporting, the only way to prevent that is to have made
arrangements with the original creditor and keep it from being placed in to collectionsThe listing are updated monthly to reflect any payments and/or changes to the balance owed. *** ***