Law Offices of Crystal Moroney, P.C.

Sent Via Online Portal  Dear Mediator: As my earlier response noted. I have listed this account as "disputed."  I am not sure what further actions [redacted] would like me to take without any documentation or reasoning.  She continues to respond that my response has Not satisfied her but there is nothing more that can be done unless she provides proper documentation to have the account go from disputed to closed out.  At this time, the account is listed and noted as disputed.  Thank you Crystal M[redacted], Esq.

Review: Law Offices of Crystal M[redacted], P.C. is attempting to collect an unvalidated debt I , [redacted], do not owe.

They are harrassing me and have not provided debt validation as per my requests.

They will not remove the unvalidated debt and are reporting incorrect information to the credit bureaus. I owe NO debt to CVS.

Crystal Moreney and company need to remove all negative information they have wrongly sent to the many credit bureaus they deal with.

Crystal Moreny is violating Fair Debt Collection practices by keeping information on [redacted], that is inaccurates, fabricated and not true.

This law office needs to correct these errors immediately. I will be complaining to the New York AG and the consumer protection service bereau. They need to cease and desist in claiming Freeman owes any debt and must correct the misreporting , which has financially and emotionally harmed me.Desired Settlement: I have incurred damages based on the illegal behavior of Carol M[redacted]. I must be reimbursed $1250.00 immediately

Business

Response:

Sent Via E-mail Only Dear Mediator:Please be advised a returned check in [redacted]'s name was placed in my office for collections in August of 2014. The check was dated December **, 2013, check number [redacted] with the name and address (same address [redacted] provided on this complaint) to CVS for 79.77, copy of check attached for your an[redacted] review. My office offered to provide a copy of the check and explained all the details about the debt politely to [redacted], however, he was yelling and very aggressive with the representative at my office trying to assist him. He demanded it be removed and that it was fraud. She asked if he was a victim of identity theft to explain the documentation needed to close this matter out, police report, etc. for a fraud dispute but [redacted] just screamed at my representative and ended the call then I received this complaint.I will be happy to personally assist [redacted] after he has reviewed the attached returned check and resolve the matter. My direct line is ###-###-####. Thank you Sincerely,Crystal M[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

This company has violated my privacy rights, has not provided any debt validation as requested, and is one of many debt collectors who claim to be trying to collect an alleged bounced check, when there was no such thing.This company harrasses me, calls at odd hours, will not identify how they happened to come across an alleged colection they have nothing to do with.They refuse to reveal if they purchased a pool of debts without verifying the veracity of the debts.This company refuses to stop reporting against me witout any justification.I am planning on suing them for slander, extortion and violation of FDCPA, of which many individual s complain against this company.I will be writing to the NY Attorney General to get this illegal debt ( alleged debt ) collection company shut down immediately.I am planning on filing a cease and desist with the courts now that this company has refused to cease and desist despite my written requests to do so.I am not ever going to speak with this sleazy company, but will have the local police address my complaints with their efforts at stealing from me. They refuse to take my name out of their database , they refuse to validate the debt and they are in violation of [redacted] collection practices as put forward by the Consumer Financial Service bureau, whom I will be sending this letter to along with additional complaints.These people must be stopped from cyber-stalking, harrasement and fraudelent claims.signed, [redacted]Signed, [redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Sent Via Online Portal Dear Mediator:I have rea[redacted] recent response. This office has provided a copy of the signed check in question along with validation I do not understand why [redacted] stated "this office has not provided any debt validation" please advise if he did not have access to the check copy and I can certainly send same to him again directly so he may further review.To respond to [redacted] allegations and slanderous remarks against my company I advise him we operate in strict compliance with the FDCPA. This matter was marked disputed and he was provided a copy of the check. To complete the "fraud" process we simply asked [redacted] to provide supporting documentation and a reason why this signed check with his name and address is not owed and outstanding, i.e. identity theft, etc. however, [redacted] refuses to address same. Furthermore, to address another allegation [redacted] made, this firm does not purchase any debts and manages outstanding debts on behalf of our clients, in this case, the funds would be returned to CVS Caremark, as that is the creditor the returned check was made payable to and passed to in 2013. My staff always handles matters in a professional manner and goes above and beyond to assist consumers that have a matter placed in our office. However, [redacted] is making slanderous and insulting comments that we are cyber-stalking or harassing him. We do not engage in any such behavior. He have discussed the returned check placed in our office and provided him a copy of same, he yelled aggressively at the representative that tried to assist him and then filed this Revdex.com Complaint. When I provided a response through the Revdex.com he responded back that we are continuing to "harass" him, however, as required policy, we responded and provided a copy of the check for [redacted], through the Revdex.com portal, we have not reached out to him at all since he yelled at the representative in my office. Please advise how you would like me to further handle the threats made against my firm from [redacted] as I have been trying to assist [redacted] with this matter and still remain personally available to discuss same with him to resolve. He should be advised that the returned check in my office is currently listed as disputed and we requested same be deleted while we await proper paperwork proving fraud, we have not reached out to him since the day he yelled at the representative and have only gone through the Revdex.com to address his concerns as required. I do hope we are able to come to a resolution.Respectfully Submitted,Crystal M[redacted], Esq.

Review: Issue regards an attempt by a subcontracted debt collector called the Crystal Mney Law Firm of Nanuet, New York. The debt is for my teen-aged daughter's rented textbook from a college bookstore. The original charge was $103, and Mney wants about $260.The initial phone communication from this firm to my daughter stated only that she needed to call the Mney law firm. It did not disclose this was an attempt to collect a debt. This raises questions about their compliance with the federal Fair Debt Collections Practice Act. I requested a written statement verifying the debt. What I received was form letter with misspellings that provided neither supporting documentation of the debt nor a listing of charges to justify the $260 the debt collector was asking for. The letter also stated falsely that I had agreed to a payment plan. When I called the firm, I was told by an agent they don't provide this documentation. I was also told by the law firm that they don't work with the company - Fed check - that the book store in North Dakota said they referred the debt to. How am I supposed to confirm this is a legitimate debt? Also, this law firm appears to have the dubious business model of getting young college-age kids scared by a call from a "law firm" and then intimidating them over the phone into paying inflated and unsubstantiated amounts of money. The firm's specialty is working to collect college book store debts. Parents definitely should get involved if this firm tries to contact their childrenDesired Settlement: I want documentation necessary to substantiate this debt. A copy of the contract from the bookstore, documentation that this firm does indeed work with Fedcheck, the bookstore's collection agent. And I want documentation supporting the amount they are trying to collect.I also want an apology for the misleading communications practices and assurance that they will communicate their identity accurately in all future business practices.

Business

Response:

Dear Mediator:

Our records indicate there was an account placed with our office for [redacted]'s daughter, [redacted].

Our office contacted the telephone number that was provided with the account I reach [redacted].

In stead of reaching [redacted], we received a return telephone call from [redacted], the individual's mother, which a representative at our firm politely explained we would need to get authority to discuss the account with her from her daughter. At that time, [redacted] became extremely abusive and demeaning to the firm representative trying to assist her. [redacted] also made a number of defamatory comments about the fum to the firm representative. The account has been closed and returned to our client.

Please do not hesitate to contact" me if I may be of further assistance on this matter.

Respectfully Submitted,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I still have not received documentation of the charges the Crystal Mney firm was trying to collect from my teenaged daughter. My complaint has not been resolved.

[Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Dear Mediator,

Please be advised the above account has been closed and returned to out client. The firm is no longer handling this matter.

Respectfully Submitted.

Review: 1. This is a debt collection issue resulting from one of my children failing to return a rented book. 2. I'm less than impressed with their efforts to resolve this issue. 3. When I tracked the issue down myself, I called them (on 9/**) to resolve it. They talked down to me, were rude to me and generally treated me like a criminal, even though I explained to them that I was not the guilty party. 4. When we finally agreed on the amount of the payment and the due date, they asked if they could send the agreement letter to me via e-mail. I told them that I would rather it be sent to me by U.S. mail. They agreed. 5. A week later (on the morning of 9/**), I contacted them because I still hadn't received a letter in the mail. They told me that they had sent the letter on 9/**. 6. When I got home that evening, I was actually surprised to find the letter in the mail, but it was post-marked 9/**, which was three days after they had claimed to have sent the letter. 7. Therefore, they lied to me. If they will lie to me, they will lie to you. If they were rude to me, they will be rude to you. I asked for an apology, but I will probably not get one. I truly believe that their inability to get the letter out on time was designed to do two things: 1) put pressure on me (due to the sheer lack of time between having all the information I needed and the imposed deadline) and 2) increase my debt (hoping I would somehow miss the deadline). If not, the only other explanation is incompetence. Either way, these are not the kind of people with which you want to do business. I reported them to the Revdex.com yesterday because I not only want the public to know how they operate, I want any firm that considers hiring them to know how they will treat the people they will deal with on their behalf. I paid last night and tried to call again today (9/**) to resolve this and/or make sure they had received the payment. When I gave them my name, I was placed on hold for over 10 minutes. I don't think they had anything else going on. They just wanted to let me wait on hold because I reported them to the Revdex.com. I'll let you decide.Desired Settlement: Refund of $300 cash, sent to me via Moneygram. I truly believe that if they are never held accountable, if it never cost them anything, they will never change.

Business

Response:

We received a complaint through your office, ID number [redacted] from Mr. [redacted] on September **, 2013 and another

complain with a similar statement form the same individual on the same account on September **, 2013 and responded to the complaint

on October **, 2013 as follows:

Mr. [redacted] requested a letter be sent confirming the payment arrangement and due date on our firm's letterhead which was sent to him. he then made payment

and firm accepted the payment and closed the account out as paid in full and notified out client. The letter was sent US Postal Service and the electric mail address that Mr. [redacted] supplied out office. The balance owed and agreed to by Mr. [redacted] never changed".

On October **, 2013 we received a letter reminding us to respond to ID Number [redacted] which we previous did on October **, 2013. After a brief

review of the firm's response, dated October **, 2013. to Mr. [redacted] complaint I noticed we only referenced to ID Number [redacted] and should have also ID

Number [redacted] which is the same complaint by the same individual for the same account.

Review: [redacted] was the man I spoke with. The two phone calls were recorded. My husband wrote a bad check to [redacted] and Sport in 2007 and on our credit report the debt was listed under [redacted] and The Law Offices of Crystal Mney. I did not was to pay the debt twice so I called The Law Office for clarification. [redacted] proceeded to tell me that check are not persona loans to myself that I can choose when to pay them and how much I want to pay. He also said you can't write a check and decide how much of that check you want to pay for as well as other inappropriate things. I asked him numerous times to please stop being rude. He failed to do so and hung up on me. When he called the next day he said he needed me to recap the conversation, I did so and asked him to please not speak to me the way he did yesterday. He proceeded to speak the same way to me and when I said I am confused as to who to pay he hung up again. I called back and asked to speak to a supervisor. She sais she would listen to recording, however, when I explained my initial question she said she would look into that and when we got off the phone she said I'll look into payment and did not mention looking into [redacted]'s comments nor apologize for his behavior.Desired Settlement: I would like [redacted] to take responsibility for being rude to me and acknowledge that he was in fact rude. I want to pay for my check to [redacted] and not have to pay the fees they are tacking on due to his behavior. I feel that due to his behavior they should have to compensate for the fees they are trying to charge me - I do not feel his behavior will change otherwise.

Business

Response:

The business has responded and a copy of the response is attached for your review.

Please keep us informed of the status and resolution of yourcomplaint.

Thank you.

Dear Mediator:

Please be advised, Ms. [redacted] telephoned our office on September **, 2013 and advised our firm that she paid our client directly, since we had not received any confirmation of such payment and we have no way of confirming it, we asked Ms. [redacted] to fax our office proof of payment so we may note payment and close her husband's account. To date, we have not received1 Ms. [redacted]'s proof of payment. This response will request same to be sent to our office which will allow us to close Ms. [redacted]'s husband's account.

Respectfully Submitted,

Business

Response:

Dear Mediator:

We first responded to Ms. [redacted]'s complaint on October **, 2013, our response was as follows:

"Please be advised, Ms. [redacted] telephoned our office on September **, 2013 and advised our firm :hat she paid our client directly,

since we had not received any confirmation of such payment and we have no way of confirming it, we asked Ms. [redacted] to fax our office proof of payment so we may note payment and close her husband's account. To date, we have not received Ms. [redacted]'s proof of payment. This responso will request same to be sent to our office which will allow us to close Ms. [redacted]'s husband's

account."

To date, we have not received proof of payment, but instead received a follow up response from Ms. [redacted] that stated our response did not address her complaint. Ms. [redacted] and her husband continue to avoid their responsibility. the understanding client or provide to office with proof of payment. I have reviewed Mr. [redacted]'s file and find Mrs. [redacted]'s statements in her complain to be self­ serving and inaccurate. Mrs. [redacted]'s statement of facts is inconsistent with her statements to one of our legal assistants. If Mr. or Mrs. [redacted] would like to resolve this matter please have one of them call me clirectly at ###-###-#### and we can set up a payment plan that would allow the [redacted]s' to resolve the accourt.

Respectfolly Submitted,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

This, again, does not respond to my original complaint.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I have never had any dealing with this firm, nor have I written a check that or any other creditor that was returned. These individuals have placed this inaccurate and injurious item in my credit report indicating that I owe them $462.00. They have failed to provide me any documentation or an instrument that would validate that this is a debt that I owe. I want them to provide me proof of this debt or remove it from my credit report immediately.Desired Settlement: Removal of this inaccuracy from my Equifax credit report immediately.

Review: I recently paid off monies owed [redacted] for two checks that were over drawn on my Bank in [redacted].Crystal Mney Law firm/ Collection Agency was the Collector for [redacted]. They refuse after numerous phone calls to them to send me confirmation of debt paid in full. Can you help me obtain said letter. I have all my money order receipts and bank statement proving my debt is paid in full. Thank You!Desired Settlement: I want a letter from the Law firm above confirming that my debt was paid in full on November * 2015. I need this in case the Racino says I still owe money to them. Can you help me obtain said letter?

Business

Response:

Please see the attachment originally send on November [redacted]. I have had our administrative assistant dept. re issue another letter and send to [redacted] today after reading in his complaint that he did not receive a paid in full letter after making his last payment on November *, 2015. Thank you[redacted]

Review: This company contacted me about an alleged debt I do not owe and cannot validate the debt. I was advised that they would send a 'payment agreement letter' instead of the actual original documentation. That is unacceptable. Also, I am pretty sure that this agency is NOT licensed in Colorado and would need to be even if this was a debt that I actually owed.Desired Settlement: Provide original documentation of alleged debt and validation of this business's license for debt collection in the state of Colorado, otherwise, cease & desist, close and return to the original creditor (if any exists).

Business

Response:

Sent Via E-mail Only As Requested Re: LOCM ref # [redacted] Dear Mediator: Please be advised a debt that resulted from a returned check provided by [redacted] issued to North East Animal Hospital on November **, 2011 (copy attached) was placed in my office for recovery efforts. In Colorado, a licensed attorney may collect debt on behalf of their clients and does not need a collection agency license. I have attached a copy of the check for [redacted]'s review. I currently have this account listed as disputed after reading [redacted]'s Revdex.com complaint. After [redacted] has reviewed same, she can contact me directly at ###-###-#### to discuss. I will be happy to personally assist her. Best Regards,Crystal M[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The fact that this was sold to yet another entity is not acceptable, these services were DISPUTED in 2013 without resolution and they remain DISPUTED.

also , your representative Lee provided ALL of the incorrect information listed in the dispute letter that was sent to your administrative department.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Sent Via Online Portal Dear Mediator: As my earlier response noted. I have listed this account as "disputed." I am not sure what further actions [redacted] would like me to take without any documentation or reasoning. She continues to respond that my response has Not satisfied her but there is nothing more that can be done unless she provides proper documentation to have the account go from disputed to closed out. At this time, the account is listed and noted as disputed. Thank you Crystal M[redacted], Esq.

Consumer

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 and the matter has been resolved.

Sincerely,

Review: I don't know this law firm nevever heard of them .law office of crystal L moraney. From n.y area. I am from Florida and they are charging me a debt of $135.00, for what I am Disabled they messed up my equalfax credit..I need this looked into I believe someone is robbing my identity... Need help a.s.ap on this matter..Desired Settlement: Please investigation is needed...

Business

Response:

We have received this complaint and marked Angel Medina's file as disputed and requested our client submit copies of the insurance policy contract showing the outstanding balance to us. Upon receipt of same, we will forward to Angel M[redacted] for review and discussion. In the interim, this item has been removed from his credit report until documentation is provided.Thank you Law Offices of Crystal Mney, P.C.

Consumer

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 and the matter has been resolved.

Sincerely,

Review: I had two personal checks cashed in [redacted] with insufficient funds in Oct., 2011. I called [redacted] several months ago and they said they sold the debt to Crystal Mney Law Office and they gave me the phone number which is ###-###-####. I tried to make arrangements to pay my debt which was a total of $342. However, they said I owed fees and my total debt was now $685. I asked for details regarding the fees and they would not tell me, they insisted that I had to make the first payment within two days of $297. They would not accept any lower payment. I finally agreed to the payment schedule: $297.59 on 9/**/13 - through my debit card (this was successfully debited). 2nd payment to be made on 9/**/13 for 106.12. They were unable to debit my account on that day (kept getting declined) . I then told the Law Office/Debt collectors to debit it on the [redacted]. They said they couldn't do that unless I made two payments instead of one. I again agreed to them debiting my account for $212.24. I then received another call from them on 9/**/13 saying my debit card was declined. So, I went to the bank and took out the $212 and sent a money gram express payment to [redacted] for $213. I then called them with the confirmation number which is #[redacted]. I left them a message letting them know that I would be paying the remaining balance of $174 by money gram on Oct. [redacted]. I then received another call from them saying I needed to pay that amount on Sept. [redacted]. So far, I have paid them $510 for a $342 debt. I am not going to pay them the $174. I asked them to send me a legal document and I will have my attorney contact them. This company has been rude, demeaning, threatening and hung up on me several times, and then they would call me back telling me I needed to pay by the 30th. This is a debt collection agency that I feel is illegal. I had good intentions and wanted to pay my debt. However, they would not tell me what the fees were for and why I had to pay so much each time. They continued to harass me for months. They never sent me any legal documentation or a breakdown of the fees. I asked to speak to a manager and the person I spoke to said she was the manager. Then I received another call from someone else saying she was the manager.Desired Settlement: I would like this company to stop harassing me with their numerous phone calls. I would like a detailed document of fees that I have paid for and a signed letter from them that my debt is paid in full. I want this debt to be removed from my credit report. I have written to all 3 credit report companies explaining that I paid this debt and they will be investigating this. I would like an e-mail back from Revdex.com letting me know what, if anything resulted from this complaint. Thank you.

Business

Response:

Dear Mediator:

We have reviewed our file and confinn that Ms. [redacted] was made aware of what her account balance represents and I agreed to a payment

anangement to resolve the outstanding debt that resulted from two bad checks she wrote in October 2011. She continues

to avoid her responsibility to resolve this matter and finish paying the outstanding debt in her name.

At this time, the firm will recommend to our client its options to pnrsue a not voluntary remedy.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I owed $342 for two checks that I wrote two years ago (Oct.2011). I paid Crystal Mneys office $510 for a $342 debt. They still want another $174. I was never given a breakdown of fees or why I owed $684 when my debt was $342. They have repeatedly hung up on me when I have asked about the fees. They would not work with me regarding a payment plan that was within my budget. I never received any written bill or list of fees in the mail or by e-mail. I don't know who this company is and as far as I am concerned, I have paid in full plus fees that were not explained to me. I would like to know why a $342 debt can cost me $684 and why an appropriate payment plan could not be set up that would be within my means. I am on social security disability with a fixed income and I was paying what they asked, however, they were extremely rude, hung up on me several times and would not explain fees. I feel like I am just throwing money away to a company that doesn't exist and tries to con innocent people like myself.

I would like a written bill, along with what I have already paid which was $510. And a breakdown of what the additional $174 is for. I am not going to send money to this non-existent company and throw money away that I don't have.

As far as I am aware, as long as someone makes good on their bills and pays monthly some portion of the bill, that I cannot be penalized. I have tried to talk to them regarding a payment plan that I could afford, however, they would not work with me.

Again - I have paid over the amount I owed. Original bill was $342. I paid $510. I have never received anything from this company in regular mail or by e-mail. The only thing I receive is harassing phone calls.

Sincerely,

Business

Response:

We have reviewed our file; Ms. [redacted] was made aware of what her account balance represents and agreed to a payment arrangement to

resolve the outstanding debt that resulted from two bad checks she wrote in October 2011. We want to resolve this matter amicably.

Please have Ms. [redacted] contact my office directly [redacted] to wort out a mutually acceptable resolution to this matter.

If that is not satisfactory, the firm will recommend to our client its options to pmsue a not voluntary remedy.

Review: this company received my daughters bill for not paying on a book rental return from college. She was late and the book store couldn't take it back. We received one bill from the company and I explained the situation but they didn't have all our information yet so I couldn't do anything yet. Well, we didn't call back which was careless on our behalf. The balance was $95.41 in February, $75.41 to cover the cost of the book, $20 in collection fee and $6.96 non-return fee. My daughter received a few calls from a woman supposedly from this law office claiming she owes $225 for this book. I ended up calling and asked why we didn't receive anything about this and I would like a bill and a break down of the fees. They responded that they do not send out paper invoices and she couldn't break down the extra fees to me. I ended up speaking to the office manager who said she would send me a paper containing the information but can't give me a breakdown of the fees and would only send it to me if I started a payment plan. I offered $20 a month because my daughter works part-time, goes to school and has to pay her own health insurance. I am a widow with 5 children, and I am layed off at this time. They refused my payment option and told me that until she can pay more they will not send any information to her. I did get into a heated argument with the first woman because I can't understand these charges and I have no paperwork, and she could be anyone on the phone. So they will not take what I offered to help clear this matter. She said part of the charges were a restocking fee, but that would have been on the book rentals invoice not theirs, and rental books are used books, so as you see I am confused. We are trying to resolve this but I find this unethical. Who pays for a bill that they never got, or see a breakdown of the charges.Desired Settlement: For them to adjust to the previous amount and take the $20 a month and stop calling my daughter.

Business

Response:

The Information relayed in [redacted]'s complaint is not representative of all of the facts in this matter. Out staff is very professional and any conversation she had with a member of the staff would reflect such professionalism. To expedite a resolution of this matter, please advise [redacted] we will accept her twenty dollar ($20.00) a month payment plan to pay back the $95.41. She can call [redacted] and ask for a manager to get the payment arrangement plan up with the firm.

If I can be of further assistance please feel free to contact me at your convenience. Thank you

Respectfully Submitted,

Consumer

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 and the matter has been resolved.

Sincerely,

Review: I was contacted by [redacted] at Crystal Mney Law stating that I owed them $916.86. They were extremely pushy and just asking for me to make pay my debt, otherwise it will go on my credit report and become a legal matter. they offered my a "settlement" of $636.86. They told me that if I did not pay that day that they called me, the debt would be placed on my credit report. They refused to send this and continued to ramble on about what I owed and that I was getting a deal by only paying the $636.86. As I feared that I would get dinged on my credit score, I made a large payment towards the amount they claimed I owed of $336.86 on 10/**/13. They then told me that they would charge my card again on the **th of October, 2013 the remaining $300. Not to mention they are charging me $10 every time they process my card. So, as a concerned person for my credit, I asked for documentation to be mailed to me to validate the debt that I owed and itemized. This was ignored and they failed to provide me with any documentation. There has been no proof provided that the $336.86 that I paid went towards something legitimate, or that the next $300 payment that they plan to charge me is going towards anything legitimate.Desired Settlement: Refund for the $363.86 charged to my card without proof of debt. Cancellation of next $300 payment. Removal of this inaccurate claim from my credit report as soon as possible.

Business

Response:

Here is our latest thread which should give you give you a good idea of what has occurred.

We sold her appliances and had an independent trucker deliver and install her appliances. A few days later she called and informed me there was a scratch on her floor which she claims was done by the trucker. I have no reason to not believe her and especially

the part about the instillation of the range, where the installer did not put on a new flex hose. The trucker installer for whatever reason refuses to call her.

As the selling dealer I have offered my help in getting what she perceives is due her to rectify the damages done to her house and the faulty installation. I need her help in order to help her.

Thank you in advance if you can help end this issue. [redacted]

Review: A person allegedly representing [redacted] called seeking compensation in excess of 400% of the worth of a rental textbook three years after the book was rented. After requesting documentation from said person I have only received subsequent threatening phone calls.Desired Settlement: Provide documentation or stop harassment .

Business

Response:

Dear Mediator:

The information relayed in [redacted] complaint is not representative of all of the facts in this matter. The look rental Agreement [redacted] executed was for a book work $105.10 plus collection fees if not returned on time. [redacted] explained his financial situation and made a payment arrangement with this office to pay $50.00 per week starting October **, 2013 until the book and fees were paid off which the law firm accepted. However never made any payments afters the agreements was set. We would like to resolve the amicably with [redacted], Please have him contact our office to resolve.

If I can be further assistance please feel free to contact me at your convenience. Thank you.

respectfully Yours.

Review: I have never had any dealing with this firm. These individuals have placed this inaccurate and injurious item in my credit report indicating that I owe them $175.00. They have failed to provide me any documentation or an instrument that would validate that this is a debt that I owe. I want them to provide me proof of this debt or remove it from my credit report immediately. I want it removed from all three credit agencies.Desired Settlement: I want this debit to be removed from my credit report.

Business

Response:

Dear Mediator:

Our client closed this matter at our office. Our records indicate this file was open at our office at one point but has since been closed. ln her complaint, [redacted] states this account is appearing her credit report and I have directed my office, again, to request same be deleted from her credit report if it was appearing on it. This should resolve all issues [redacted] was concerned with regarding our file, however I would gladly be available to speak with her if she needs any further assistance with this matter.

Respectfully Submitted,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I would like to know what this was in regards to. They state that a file was open at that their office at one point. They also state is has been closed.

I just checked my credit report and its still being reported. Until its taken off my credit report this issue has not been resolved. Once I see that it has been removed from credit file, my complaint will be resolved. Below is copy of Equifax report.

[redacted]

[redacted]

[redacted]

[redacted]

[redacted]

[redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Dear Mediator:

Our client closed this matter at our office. Our records indicate this

file was open at our office at one point but has since been closed. ln

her complaint, [redacted] states this account is appearing her

credit report and I have directed my office, again, to request same be

deleted from her credit report if it was appearing on it. This should

resolve all issues [redacted] was concerned with regarding our file,

however I would gladly be available to speak with her if she needs any

further assistance with this matter.

Respectfully Submitted,

Review: I was contacted by this law firm to pay a debt from 2013 from a college bookstore rental, after speaking with this law firm I call the school who informed me that I did not in fact have any debts for any books and that there are no outstanding balance on my account.Desired Settlement: I would like a bill sent to my residence with all charges broken down as well as confirmation from the school book store that is charge is correct, if this is not something that this law office is will to do them I would ask that they no longer contact me regarding this "debt". If they cannot prove this debit exists and wont send me a bill, as far as I am concerned this is a fraudulent attempt to extort money from people using threats of, damage to credit reports and small claims court, to try and obtain payments of debts they cannot support.

Business

Response:

[redacted]Dear Mediator: Please be advised a debt created from an unreturned book rental through the Follett Educational Group book rental program at Massachusetts Bay Community College Bookstore was placed in my office in [redacted]'s name in 2013 for collections. Attached is [redacted]'s receipt of the two books she rented on January **, 2013. One of the two books, titled "Asking the Right Questions" was never returned and [redacted] was responsible for the debt created as per the terms and conditions of the rentals. I have reached out to my client and they advise the book was not returned and the matter is still open and a balance is owed. If [redacted] believes she returned the book she can provide supporting documentation to me directly. Please have [redacted] contact me directly at ###-###-#### and I will be happy to assist her further with this matter.Best Regards,[redacted]

Review: Collection on my [redacted] credit report-

I do not know who these people are, have had no dealings with them or the company said to be representing "[redacted]". I am disputing this with credit agency.Desired Settlement: Remove from my credit report

Business

Response:

Sent Via the Online Portal Re: [redacted] Dear Mediator: Please be advised my client placed an outstanding check, check number [redacted], dated May **, 2010 payable to Keith R[redacted] for $225.00 for "windows" as listed in the memorandum portion of the check to pursue collection of same because it was returned, copy of same enclosed for [redacted] review. The balance in questions is still owed and outstanding. If [redacted] believes this was paid with a replacement payment or was not issued by her, she may submit documentation (proof of payment and/or police report etc. for review). Please have [redacted] review the check in question and contact me directly to resolve at ###-###-####. I will be happy to personally assist [redacted] with this matter. Thank youCrystal M[redacted], Esq.

Consumer

Response:

I see that the attachment is a check written by me. I will have to investigate this. Why did the recipient not contact me, and why did it take 5+ years to go to a lawyer.

Review: Theyre saying I owe over $500, but I talked to the original business I owed and they confirmed I do not owe to collections. They also stated they have no clue why their saying I owe them for something that happened over 2 yrs ago.Desired Settlement: I would like them to take it off my credit report, and resolve this "Bill" since I dont owe them.

Business

Response:

[redacted]Dear Mediator: Attached please find the two returned checks in [redacted]'s name that were placed with my office to purse recovery. If [redacted] has paid the outstanding balance after the date in which these checks were returned she can provide proof of replacement payment to me and I will forward same on to my client. At this time, these checks are outstanding, however, I have reached out to my client advising them [redacted] has disputed same as having been previously paid and am awaiting a response/confirmation if a replacement payment was made after the date of placement with my firm. At this time, the account has been marked as disputed and is in a hold status until client and/or [redacted] provide confirmation of replacement payment. Please do not hesitate to contact me if you need anything additional on this matter. Best Regards,Crystal M[redacted]