I have researched/validated debt under your former name as [redacted]. Our client is [redacted] address at that time was [redacted] The outstanding balance is 667.01. Please call ###-###-#### or [redacted] and we will assist you.
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]
Complaint: [redacted]
I am rejecting this response because: The vadilation provided to me was not legible nor factual and was not a legal contract between PRG and there party. I have not received any legal documentation from of this unknown company and deem this as fraud or mistaking identity.
Regards, [redacted]
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]I will not do business with this company since they have violated the FDCPA and have no legal recourse to collect on this alleged debt. They cannot validate this debt due to no signed contract with this business. This debt needs to be removed from my credit file since they are unable to validate
Complaint: [redacted]
I am rejecting this response because:
I NEVER SAID I DONT DISPUTE THE PAST DUE BALANCE. My focus was the broken lease and getting that off my rental report and credit. I need debt validation of the entire debt. I also will need this broken lease off on my rental history report. I emailed [redacted] the entire day and told her I am disputing the entire balance. I WILL LIKE DEBT VALIDATION AND STILL HAVENT RECEIVED ANYTHING. You keep saying past due balance and yet hasn't provided proof. The reserves manager put a broken lease on my rental history report and a balance when in fact I DID PROPERLY END MY LEASE. so whose to say the balance is actually factual. I WILL LIKE DEBT VALIDATION. I'm not paying anything I'm not responsible for. AGAIN BY LAW YOU HAVE TO ROVIDE DEBT VALIDATION. You guys have yet to do that. THE BROKEN LEASE TOTALED MORE THAN WHAT YOURE CLAIMING. You have my email address send over the debt validation. I AM DISPUTING THE ENTIRE BALANCE.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: Your client chose to saddle me with this debt because they did not correctly repair water damage that occurred to my unit. I made it known that it was incomplete and the manager at the time let me know that I would not be held responsible. It is debatable if you followed all laws especially when one of managers failed to respond back to me but ignored my communication. As I stated before I want this removed from my credit report and not just fall off. This is the resolution I seek.
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]
I have re-researched the documents emailed to [redacted]. I will accept the military orders that you provided. I further authorize removing charges for April and May's rent totaling 998.00 as well as the unlawful move out charge of 424.15. As you agreed on a recorded phone call with [redacted] that you do not dispute the remaining charges of 3,290.65 for past due rent, late charges and cleaning fees. It would be in your best interest to pay this amount right away to avoid further interest being applied to the account. Please call [redacted] at [redacted] or email her at [redacted] to make arrangements on this balance due. You can also call [redacted] at [redacted] or myself at [redacted] Thank you, [redacted]
We are currently investigating this matter. Our company has numerous policies in place to protect consumer information. Based on information gathered thus far it appears that Ms. [redacted] and our employee know each other so we are investigating both that matter as well...
The majority of the balance that Ms. [redacted] owes is comprised of unpaid rent, late fees, and unpaid utility bills. Our company, as a separate but legal agent for the apartment, is willing to discuss the cleaning charges with the apartment and is also willing to offer a possible legal...
settlement of the debt for less than the full balance. Ms. [redacted] should contact our offices and we will be happy to assist her in resolving this matter and improving her credit score through settlement or payment in full. Our telephone # is ###-###-####.
Ms [redacted] please forward over the copy of police report and your drivers license or a form of ID with the signature part. We will compare signatures and if they don't match with the document signature we have on file we will delete the account from our database and from the credit bureau...
files. The account has already been coded as "Disputed by Consumer". If you have further questions please contact me at [redacted]. Sincerely, [redacted]
Complaint: [redacted]
I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZ. She obviously no longer works there and the Reserves have new management. So of course they are clueless. It's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctly. I also provided these documents to [redacted] who works for PRG and asked that she send me debt validation. If I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRH. I already advised if this isn't corrected that I will seek legal assistance and contact the FTC.
Regards,
[redacted]
Tell us why here...We found one collection account on our system that was placed with our company for collections. We examined the public bankruptcy information from the bankruptcy court of the Western District of Texas and noticed that Ms. [redacted] did not include this debt in the Ch...
7 bankruptcy she filed. Following federal law, a consumer is only granted bankruptcy protection on accounts that they put on their list of creditors so the debt is still legally owed. We emailed (see the email below) this information to Ms. [redacted] at the email address that she provided and advised that we would mark the account as "disputed" on her credit report and to call us if we can provide her with any further assistance.Email: [redacted],We received a complaint from the Revdex.com and although it took a while to locate an account under your name, I was able to find one for The Club at Stone Oak apartment. We have investigated your bankruptcy and did not see where our company is listed under the list of creditors that is afforded bankruptcy protection. Unfortunately, we cannot remove the balance due but I will mark your account as disputed for credit reporting purposes ---please see the list of creditors below that you filed in the Western District of Texas. I do not show that we handle the Sure Deposit account—Hunter Warfield may handle this account. They are a separate company from ours. Please call or email me if you have any questions-- 210.822.8272.This is your list of creditors included in your Ch. 7 bankruptcy—Western District of Texas:Label Matrix for local noticing U.S. BANKRUPTCY COURT Allen Stein & Durbin PC0542-5 615 E. HOUSTON STREET, ROOM 597 PO Box 10157Case 15-50302-rbk SAN ANTONIO, TX 78205-2055 San Antonio, TX 78210-0157Western District of TexasSan AntonioThu Mar 10 17:22:57 CST 2016Association Management Services Bexar County Tax Collector Broadway National Bank1600 NE Loop 410 PO Box 2903 1177 NE Loop 410Suite 202 San Antonio, TX 78299-2903 San Antonio, TX 78209-1585San Antonio, TX 78209-1613Capital One Cavalry Portfolio Service Citi MortgagePO Box 30281 500 Summit Lake Dr PO Box 6243Salt Lake City, UT 84130-0281 Valhalla, NY 10595-2322 Sioux Falls, SD 57117-6243Coal County Tax Collector County of Comal Credit Systems International205 N Seguin c/o Lee Gordon 1277 Country Club LaneNew Braunfels, TX 78130-5005 P.O. Box 1269 Fort Worth, TX 76112-2304Round Rock, TX 78680-1269HSBC IQ Data Intl, Inc JC PenneyPO Box 9 PO Box 3568 PO Box 965007Buffalo, NY 14240-0009 Everett, WA 98213-8568 Orlando, FL 32896-5007(p)NATIONSTAR MORTGAGE LLC Paramount Recover Systems (p)PORTFOLIO RECOVERY ASSOCIATES LLCPO BOX 619096 111 East Center St PO BOX 41067DALLAS TX 75261-9096 Lorena, TX 76655-9651 NORFOLK VA 23541-1067Regency at Lookout Canyon Santander Consumer USA Sears25675 Overlook Parkway 8585 N Stemmons PO Box 6269San Antonio, TX 78260-2508 Suite 1100 Sioux Falls, SD 57117Dallas, TX 75247-3822TNB Visa United States Attorney United States Trustee - SA12PO Box 673 601 N.W. Loop 410, Suite 600 US Trustee’s OfficeMinneapolis, MN 55440-0673 San Antonio, TX 78216-5597 615 E Houston, Suite 533PO Box 1539San Antonio, TX 78295-1539Veriprise Processing Solutions Victoria’s Secret John Patrick Lowe750 Hwy 121 Bypass PO Box 182789 218 North Getty StreetSuite 100 Columbus, OH 43218-2789 Uvalde, TX 78801-5204Lewisville, TX 75067-8199[redacted] E. [redacted] Travis E. [redacted]26338 Walden Oak 26338 Walden OakSan Antonio, TX 78260-6007 San Antonio, TX 78260-6007Eric AllenDirector of OperationsThe Phoenix Recovery [email protected]
The first contact we had with the consumer was September 18th, 2012 and the conusmer stated he co-signed for his daughter [redacted] it was explained to the consumer he signed the lease as the primary renter, a request for the lease contract and billing statement was emailed to the consumer on that...
date. On September 19th, 2012 our client called us to inform us that the consumer's daughter had made payment arrangements on the broken lease and when she defaulted, the consumer was sent to collections. The consumer disputed the debt on October 31, 2012 and the contract and the billing statement was mailed to the consumer, in the letter that was sent to us we were asked to cease and desist and we stopped communications with the consumer. The consumer contacted our office on July 31, 2015 to claim stolen identity, the consumer would not verify his identity thus the consumer was told to provide a police report, picture id, and a written statement claiming that this was not him, the consumer terminated the call. Until we receive those three items which we need to start a fraud investigation this debt is valid because the signatures we have match and the consumer stated he was the co-signer from day one of contact.
Our records do not show that a deletion was discussed. The only conversations that display are with regards to the account being settled for less than the owed balance. When there is a deletion we send that notice/letter to the individual and image it to our file and we do not have an image in our file. If you received this letter please send a copy of the deletion letter and we will honor the deletion otherwise the credit reporting is accurate.
We are a collection agency that provides a service to our clients. Your account was forwarded over from our client [redacted] for collection purposes where you entered in a legally binded contract. Please call E[redacted] or [redacted] so that we can go over the account details with you.
I have reviewed the file for Ms. [redacted]. My findings show that there was a gap of employment & [redacted] found her new place of employment contact information. He did leave his contact information for Ms. [redacted] with her new employer & they finally spoke, she asked him to call...
her after work. We don't have a good contact # for her to call her at home. I would be more than happy to assist her with a resolution on her account. I am [redacted] the Director of Business Development and I can be reached at [redacted] or at [redacted]. In the mean time I have designated on her account as " do not call at place of employment " ( [redacted] is no longer handling Ms. [redacted]'s account. Please have her call me for a good contact #. Thank you. [redacted]
We understand the consumer's frustration with something that showing on his credit report that he feels is not his. However, as our company electronically reports over 100k accounts per month and is heavily regulated by federal laws such as the FCRA in this case, we did not report this...
consumer's social security # (because he does not have a U.S. one), nor his middle name. The responsibility of how this is being credit reported falls solely on the credit bureaus that may be reporting this data. As [redacted] is an extremely common name with literally thousands of people in the State of Texas having this same name, it is the credit bureau(s) that have crossed his common name with information that is not his. That is why when he called our office we could not locate an account based on his social security # or middle initial or address because we do not have any consumer in our database that matches his identity. This is commonplace with credit bureaus who often cross data with similar or common names- JR. and Sr. is another common example. Nonetheless, we can not remove data that we are not even reporting and Mr. [redacted] needs to file a tradition online dispute (called an E-Oscar dispute) with whatever credit bureaus are displaying misinformation. The credit bureaus themselves are ultimately responsible for the information that they are reporting and as long as collection agencies are following the federal guidelines for credit reporting and doing their due diligence then there is nothing for us to do but respond properly to any consumer dispute to help facilitate proper reporting.
This was a credit reporting error. We have processed a request for deletion to the 3 credit bureaus. This process will take 15 to 45 days to complete. A letter will be emailed today to [redacted] at [redacted] to confirm this transaction. For further information call...
I have researched/validated debt under your former name as [redacted]. Our client is [redacted] address at that time was [redacted] The outstanding balance is 667.01. Please call ###-###-#### or [redacted] and we will assist you.
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]
Complaint: [redacted]
I am rejecting this response because: The vadilation provided to me was not legible nor factual and was not a legal contract between PRG and there party. I have not received any legal documentation from of this unknown company and deem this as fraud or mistaking identity.
Regards, [redacted]
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]I will not do business with this company since they have violated the FDCPA and have no legal recourse to collect on this alleged debt. They cannot validate this debt due to no signed contract with this business. This debt needs to be removed from my credit file since they are unable to validate
Complaint: [redacted]
I am rejecting this response because:
I NEVER SAID I DONT DISPUTE THE PAST DUE BALANCE. My focus was the broken lease and getting that off my rental report and credit. I need debt validation of the entire debt. I also will need this broken lease off on my rental history report. I emailed [redacted] the entire day and told her I am disputing the entire balance. I WILL LIKE DEBT VALIDATION AND STILL HAVENT RECEIVED ANYTHING. You keep saying past due balance and yet hasn't provided proof. The reserves manager put a broken lease on my rental history report and a balance when in fact I DID PROPERLY END MY LEASE. so whose to say the balance is actually factual. I WILL LIKE DEBT VALIDATION. I'm not paying anything I'm not responsible for. AGAIN BY LAW YOU HAVE TO ROVIDE DEBT VALIDATION. You guys have yet to do that. THE BROKEN LEASE TOTALED MORE THAN WHAT YOURE CLAIMING. You have my email address send over the debt validation. I AM DISPUTING THE ENTIRE BALANCE.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: Your client chose to saddle me with this debt because they did not correctly repair water damage that occurred to my unit. I made it known that it was incomplete and the manager at the time let me know that I would not be held responsible. It is debatable if you followed all laws especially when one of managers failed to respond back to me but ignored my communication. As I stated before I want this removed from my credit report and not just fall off. This is the resolution I seek.
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]
I have re-researched the documents emailed to [redacted]. I will accept the military orders that you provided. I further authorize removing charges for April and May's rent totaling 998.00 as well as the unlawful move out charge of 424.15. As you agreed on a recorded phone call with [redacted] that you do not dispute the remaining charges of 3,290.65 for past due rent, late charges and cleaning fees. It would be in your best interest to pay this amount right away to avoid further interest being applied to the account. Please call [redacted] at [redacted] or email her at [redacted] to make arrangements on this balance due. You can also call [redacted] at [redacted] or myself at [redacted] Thank you, [redacted]
We are currently investigating this matter. Our company has numerous policies in place to protect consumer information. Based on information gathered thus far it appears that Ms. [redacted] and our employee know each other so we are investigating both that matter as well...
as the assertions alleged by Ms. [redacted].
The majority of the balance that Ms. [redacted] owes is comprised of unpaid rent, late fees, and unpaid utility bills. Our company, as a separate but legal agent for the apartment, is willing to discuss the cleaning charges with the apartment and is also willing to offer a possible legal...
settlement of the debt for less than the full balance. Ms. [redacted] should contact our offices and we will be happy to assist her in resolving this matter and improving her credit score through settlement or payment in full. Our telephone # is ###-###-####.
Ms [redacted] please forward over the copy of police report and your drivers license or a form of ID with the signature part. We will compare signatures and if they don't match with the document signature we have on file we will delete the account from our database and from the credit bureau...
files. The account has already been coded as "Disputed by Consumer". If you have further questions please contact me at [redacted]. Sincerely, [redacted]
Complaint: [redacted]
I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZ. She obviously no longer works there and the Reserves have new management. So of course they are clueless. It's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctly. I also provided these documents to [redacted] who works for PRG and asked that she send me debt validation. If I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRH. I already advised if this isn't corrected that I will seek legal assistance and contact the FTC.
Regards,
[redacted]
Tell us why here...We found one collection account on our system that was placed with our company for collections. We examined the public bankruptcy information from the bankruptcy court of the Western District of Texas and noticed that Ms. [redacted] did not include this debt in the Ch...
7 bankruptcy she filed. Following federal law, a consumer is only granted bankruptcy protection on accounts that they put on their list of creditors so the debt is still legally owed. We emailed (see the email below) this information to Ms. [redacted] at the email address that she provided and advised that we would mark the account as "disputed" on her credit report and to call us if we can provide her with any further assistance.Email: [redacted],We received a complaint from the Revdex.com and although it took a while to locate an account under your name, I was able to find one for The Club at Stone Oak apartment. We have investigated your bankruptcy and did not see where our company is listed under the list of creditors that is afforded bankruptcy protection. Unfortunately, we cannot remove the balance due but I will mark your account as disputed for credit reporting purposes ---please see the list of creditors below that you filed in the Western District of Texas. I do not show that we handle the Sure Deposit account—Hunter Warfield may handle this account. They are a separate company from ours. Please call or email me if you have any questions-- 210.822.8272.This is your list of creditors included in your Ch. 7 bankruptcy—Western District of Texas:Label Matrix for local noticing U.S. BANKRUPTCY COURT Allen Stein & Durbin PC0542-5 615 E. HOUSTON STREET, ROOM 597 PO Box 10157Case 15-50302-rbk SAN ANTONIO, TX 78205-2055 San Antonio, TX 78210-0157Western District of TexasSan AntonioThu Mar 10 17:22:57 CST 2016Association Management Services Bexar County Tax Collector Broadway National Bank1600 NE Loop 410 PO Box 2903 1177 NE Loop 410Suite 202 San Antonio, TX 78299-2903 San Antonio, TX 78209-1585San Antonio, TX 78209-1613Capital One Cavalry Portfolio Service Citi MortgagePO Box 30281 500 Summit Lake Dr PO Box 6243Salt Lake City, UT 84130-0281 Valhalla, NY 10595-2322 Sioux Falls, SD 57117-6243Coal County Tax Collector County of Comal Credit Systems International205 N Seguin c/o Lee Gordon 1277 Country Club LaneNew Braunfels, TX 78130-5005 P.O. Box 1269 Fort Worth, TX 76112-2304Round Rock, TX 78680-1269HSBC IQ Data Intl, Inc JC PenneyPO Box 9 PO Box 3568 PO Box 965007Buffalo, NY 14240-0009 Everett, WA 98213-8568 Orlando, FL 32896-5007(p)NATIONSTAR MORTGAGE LLC Paramount Recover Systems (p)PORTFOLIO RECOVERY ASSOCIATES LLCPO BOX 619096 111 East Center St PO BOX 41067DALLAS TX 75261-9096 Lorena, TX 76655-9651 NORFOLK VA 23541-1067Regency at Lookout Canyon Santander Consumer USA Sears25675 Overlook Parkway 8585 N Stemmons PO Box 6269San Antonio, TX 78260-2508 Suite 1100 Sioux Falls, SD 57117Dallas, TX 75247-3822TNB Visa United States Attorney United States Trustee - SA12PO Box 673 601 N.W. Loop 410, Suite 600 US Trustee’s OfficeMinneapolis, MN 55440-0673 San Antonio, TX 78216-5597 615 E Houston, Suite 533PO Box 1539San Antonio, TX 78295-1539Veriprise Processing Solutions Victoria’s Secret John Patrick Lowe750 Hwy 121 Bypass PO Box 182789 218 North Getty StreetSuite 100 Columbus, OH 43218-2789 Uvalde, TX 78801-5204Lewisville, TX 75067-8199[redacted] E. [redacted] Travis E. [redacted]26338 Walden Oak 26338 Walden OakSan Antonio, TX 78260-6007 San Antonio, TX 78260-6007Eric AllenDirector of OperationsThe Phoenix Recovery [email protected]
The first contact we had with the consumer was September 18th, 2012 and the conusmer stated he co-signed for his daughter [redacted] it was explained to the consumer he signed the lease as the primary renter, a request for the lease contract and billing statement was emailed to the consumer on that...
date. On September 19th, 2012 our client called us to inform us that the consumer's daughter had made payment arrangements on the broken lease and when she defaulted, the consumer was sent to collections. The consumer disputed the debt on October 31, 2012 and the contract and the billing statement was mailed to the consumer, in the letter that was sent to us we were asked to cease and desist and we stopped communications with the consumer. The consumer contacted our office on July 31, 2015 to claim stolen identity, the consumer would not verify his identity thus the consumer was told to provide a police report, picture id, and a written statement claiming that this was not him, the consumer terminated the call. Until we receive those three items which we need to start a fraud investigation this debt is valid because the signatures we have match and the consumer stated he was the co-signer from day one of contact.
Our records do not show that a deletion was discussed. The only conversations that display are with regards to the account being settled for less than the owed balance. When there is a deletion we send that notice/letter to the individual and image it to our file and we do not have an image in our file. If you received this letter please send a copy of the deletion letter and we will honor the deletion otherwise the credit reporting is accurate.
We are a collection agency that provides a service to our clients. Your account was forwarded over from our client [redacted] for collection purposes where you entered in a legally binded contract. Please call E[redacted] or [redacted] so that we can go over the account details with you.
I have reviewed the file for Ms. [redacted]. My findings show that there was a gap of employment & [redacted] found her new place of employment contact information. He did leave his contact information for Ms. [redacted] with her new employer & they finally spoke, she asked him to call...
her after work. We don't have a good contact # for her to call her at home. I would be more than happy to assist her with a resolution on her account. I am [redacted] the Director of Business Development and I can be reached at [redacted] or at [redacted]. In the mean time I have designated on her account as " do not call at place of employment " ( [redacted] is no longer handling Ms. [redacted]'s account. Please have her call me for a good contact #. Thank you. [redacted]
We understand the consumer's frustration with something that showing on his credit report that he feels is not his. However, as our company electronically reports over 100k accounts per month and is heavily regulated by federal laws such as the FCRA in this case, we did not report this...
consumer's social security # (because he does not have a U.S. one), nor his middle name. The responsibility of how this is being credit reported falls solely on the credit bureaus that may be reporting this data. As [redacted] is an extremely common name with literally thousands of people in the State of Texas having this same name, it is the credit bureau(s) that have crossed his common name with information that is not his. That is why when he called our office we could not locate an account based on his social security # or middle initial or address because we do not have any consumer in our database that matches his identity. This is commonplace with credit bureaus who often cross data with similar or common names- JR. and Sr. is another common example. Nonetheless, we can not remove data that we are not even reporting and Mr. [redacted] needs to file a tradition online dispute (called an E-Oscar dispute) with whatever credit bureaus are displaying misinformation. The credit bureaus themselves are ultimately responsible for the information that they are reporting and as long as collection agencies are following the federal guidelines for credit reporting and doing their due diligence then there is nothing for us to do but respond properly to any consumer dispute to help facilitate proper reporting.
This was a credit reporting error. We have processed a request for deletion to the 3 credit bureaus. This process will take 15 to 45 days to complete. A letter will be emailed today to [redacted] at [redacted] to confirm this transaction. For further information call...
###-###-#### EXT [redacted].
Complaint: [redacted]
I am rejecting this response because:awaiting business response.
Regards,
[redacted]