Initial Business Response /* (1000, 5, 2015/05/08) */
The Complainant's (*** ***) account was assigned to our office - Metro Collection Service Incon 9/30/for $from our client - Pinnacle Women's HealthcareNo payments have been made on the account by the Complainant
A
Validation letter (copy attached) was sent to the Complainant on 9/30/2013, the same day that the account as assigned to our office by our clientNo direct response to our office was received from the Complainant until she called our office on 11/20/at 3:56pm, and verbally disputed the accountThe Complainant offered to pay the account on that date if we would remove it from her credit bureau report (thereby acknowledging that the account was hers)We had previously changed the reporting to the credit bureaus as "disputed" on 6/4/
Today, we have deleted the Complainant's account from all credit bureaus - and AUD form is attachedHowever, the balance of the Complainant's account still remains due and owing
Initial Consumer Rebuttal /* (2000, 7, 2015/05/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The Complainant ([redacted])'s account was assigned to our office (Metro Collection Service Inc) on 02/27/17 for $2,091.35 by our client - [redacted]. A Validation Letter was sent to the Complainant on the same day to the address provided by our client. 3/15/17 our...
Collector called the phone number provided, talked to Complainant, quoted mini-Miranda, Complainant hung up telephone on Collector. 05/05/17 the Post Office returned our Validation of account letter stating: Not deliverable as addressed, unable to forward.6/7/17 Our office submitted and online AUD through E-OSCAR to delete this account from the Credit Bureau report of the Complainant. 6/13/17 Our Office Manager ([redacted]) spoke with our client ([redacted]). Client [redacted] of [redacted] confirmed that the debt has never been paid by the Complainant, or by any insurance company. The debt remains due and owing to [redacted]. SUMMARY: The balance on this account has never been paid by the Complainant or his insurance company. We have deleted his account from all credit bureaus, but the balance remains sue and owing. Unless the Complainant can supply verification that this balance has been paid, then it will be sent to our attorney to initiate legal action.
Revdex.com: I did request an it an it a mixed bill and was told that they needed to get it from the storage and it would be forwarded to me they never heard back because it never came. As long as it is removed I will accept this 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.
Sincerely,
[redacted]
Metro Collection has stated that someone called into their office and verified this fraud account which is not the case. Metro failed to:Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.Your failure to respond and provide strict proof of contracts and all the items noted above,presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary , will constitute your tacit agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contractIn the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the American Bar Association and Professional Liability Fund for code of ethics violations.
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]
We do not make copies of each letter sent at the time that we send them. The letters attached are computer generated, with the exact same wording as the original letters sent to the complainant. I have inserted the date sent and letter number. In additional, I have enclosed a Debtor Listing Sheet...
which refers to all calls, letters, and contact made with the complainant. This account was assigned to us 02/04/15. We mailed the consumer a validation notice (Letter#1) that same day to the address that was provided to us by [redacted] This letter was returned by the postal service on 03/10/15 "Box Closed" . From 09/15 - 8/16 we made attempts to locate complaintant. October 6, 2016 October 11, 2016 and October 19, 2016 complaintant disputed with [redacted] and [redacted]. Metro Collection Service investigated to confirm this had been reported to the correct consumers credit profile and answered the dispute giving current amount due and that the consumer disputed the unpaid collection account. November 16, 2016 we located a current address for Complaintant and sent another validation notice (Letter#1). This notice was not returned and we have had no telephone contact from consumer nor letters from consumer stating that he disputed the amount due. Metro Collection Service has submitted a universal data form with [redacted] and [redacted] to have this item deleted from Complaintant's credit profile and are willing to allow the consumer to set up what ever type of payments he would like to resolve the unpaid debt. Metro Collection Service does not purchase debt. This account was assigned to us for the purpose of collection. I want to reiterate we did not purchase the debt.
Per the Complainant's request, we mailed the lease documents with our cover letter which is electronically signed and does not require that it be notarized. Also leases in Colorado are not required to be notarized. When Metro Collection Service Inc was advised by the Complainant of potential Identity Theft, we immediately deleted the account from all credit bureaus. We forwarded proof of this action in our previous response. We previously requested a photo copy Identification from the Complainant to compare to records sent to us by our client - [redacted], but the Complainant refused. He previously had acknowledged the account, and verified the last four digits of his social security number - which agreed with the numbers given to us by our client. We have sent the account to our attorney to initiate legal action against the Complainant.
Our client [redacted] placed this delinquent account with our office on April 13, 2015. A validation notice was sent to the consumer that same day. October 19, 2015 our office verified consumers address and employment and forwarded account to [redacted] ** [redacted] in California where consumer...
resides so that they could pursue the consumer through the Courts in that state. May 16, 2016 Steve with ** [redacted] provided us with a status stating he had contacted consumer and consumer had requested an itemized statement which was sent to the consumer, they have not heard anything from the consumer since. Metro Collection Service has submitted a Universal Data Form with [redacted] and [redacted] to have this item deleted. We have noted our system of the consumers dispute and have forwarded the dispute to [redacted] for their review and response.
The Response from this merchant is incorrect. Please see attached document. Metro Collection was sent a dispute letter along with a police report identifying ID Theft. Instead of responding as the letter detailed, Metro Collections sent to my home a fraudulent mail contract, that was not signed nor notarized. I did call into their office and spoke with [redacted]. No identifying information was given besides my name due to my status ID theft status. Wes refused to speak to me and hung the phone up. Metro Collection is outside the law when dealing with victims of ID THEFT. Next course of action is a police report against them for harassment and extortion. Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/05/08) */
The Complainant's (*** ***) account was assigned to our office - Metro Collection Service Incon 9/30/for $from our client - Pinnacle Women's HealthcareNo payments have been made on the account by the Complainant
A
Validation letter (copy attached) was sent to the Complainant on 9/30/2013, the same day that the account as assigned to our office by our clientNo direct response to our office was received from the Complainant until she called our office on 11/20/at 3:56pm, and verbally disputed the accountThe Complainant offered to pay the account on that date if we would remove it from her credit bureau report (thereby acknowledging that the account was hers)We had previously changed the reporting to the credit bureaus as "disputed" on 6/4/
Today, we have deleted the Complainant's account from all credit bureaus - and AUD form is attachedHowever, the balance of the Complainant's account still remains due and owing
Initial Consumer Rebuttal /* (2000, 7, 2015/05/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The Complainant ([redacted])'s account was assigned to our office (Metro Collection Service Inc) on 02/27/17 for $2,091.35 by our client - [redacted]. A Validation Letter was sent to the Complainant on the same day to the address provided by our client. 3/15/17 our...
Collector called the phone number provided, talked to Complainant, quoted mini-Miranda, Complainant hung up telephone on Collector. 05/05/17 the Post Office returned our Validation of account letter stating: Not deliverable as addressed, unable to forward.6/7/17 Our office submitted and online AUD through E-OSCAR to delete this account from the Credit Bureau report of the Complainant. 6/13/17 Our Office Manager ([redacted]) spoke with our client ([redacted]). Client [redacted] of [redacted] confirmed that the debt has never been paid by the Complainant, or by any insurance company. The debt remains due and owing to [redacted]. SUMMARY: The balance on this account has never been paid by the Complainant or his insurance company. We have deleted his account from all credit bureaus, but the balance remains sue and owing. Unless the Complainant can supply verification that this balance has been paid, then it will be sent to our attorney to initiate legal action.
Revdex.com: I did request an it an it a mixed bill and was told that they needed to get it from the storage and it would be forwarded to me they never heard back because it never came. As long as it is removed I will accept this 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.
Sincerely,
[redacted]
Metro Collection has stated that someone called into their office and verified this fraud account which is not the case. Metro failed to:Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.Your failure to respond and provide strict proof of contracts and all the items noted above,presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary , will constitute your tacit agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contractIn the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the American Bar Association and Professional Liability Fund for code of ethics violations.
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]
We do not make copies of each letter sent at the time that we send them. The letters attached are computer generated, with the exact same wording as the original letters sent to the complainant. I have inserted the date sent and letter number. In additional, I have enclosed a Debtor Listing Sheet...
which refers to all calls, letters, and contact made with the complainant. This account was assigned to us 02/04/15. We mailed the consumer a validation notice (Letter#1) that same day to the address that was provided to us by [redacted] This letter was returned by the postal service on 03/10/15 "Box Closed" . From 09/15 - 8/16 we made attempts to locate complaintant. October 6, 2016 October 11, 2016 and October 19, 2016 complaintant disputed with [redacted] and [redacted]. Metro Collection Service investigated to confirm this had been reported to the correct consumers credit profile and answered the dispute giving current amount due and that the consumer disputed the unpaid collection account. November 16, 2016 we located a current address for Complaintant and sent another validation notice (Letter#1). This notice was not returned and we have had no telephone contact from consumer nor letters from consumer stating that he disputed the amount due. Metro Collection Service has submitted a universal data form with [redacted] and [redacted] to have this item deleted from Complaintant's credit profile and are willing to allow the consumer to set up what ever type of payments he would like to resolve the unpaid debt. Metro Collection Service does not purchase debt. This account was assigned to us for the purpose of collection. I want to reiterate we did not purchase the debt.
Complaint: [redacted]
I am rejecting this response because:
It is full of inaccurate information.
Sincerely,
[redacted]
Per the Complainant's request, we mailed the lease documents with our cover letter which is electronically signed and does not require that it be notarized. Also leases in Colorado are not required to be notarized. When Metro Collection Service Inc was advised by the Complainant of potential Identity Theft, we immediately deleted the account from all credit bureaus. We forwarded proof of this action in our previous response. We previously requested a photo copy Identification from the Complainant to compare to records sent to us by our client - [redacted], but the Complainant refused. He previously had acknowledged the account, and verified the last four digits of his social security number - which agreed with the numbers given to us by our client. We have sent the account to our attorney to initiate legal action against the Complainant.
Our client [redacted] placed this delinquent account with our office on April 13, 2015. A validation notice was sent to the consumer that same day. October 19, 2015 our office verified consumers address and employment and forwarded account to [redacted] ** [redacted] in California where consumer...
resides so that they could pursue the consumer through the Courts in that state. May 16, 2016 Steve with ** [redacted] provided us with a status stating he had contacted consumer and consumer had requested an itemized statement which was sent to the consumer, they have not heard anything from the consumer since. Metro Collection Service has submitted a Universal Data Form with [redacted] and [redacted] to have this item deleted. We have noted our system of the consumers dispute and have forwarded the dispute to [redacted] for their review and response.
The Response from this merchant is incorrect. Please see attached document. Metro Collection was sent a dispute letter along with a police report identifying ID Theft. Instead of responding as the letter detailed, Metro Collections sent to my home a fraudulent mail contract, that was not signed nor notarized. I did call into their office and spoke with [redacted]. No identifying information was given besides my name due to my status ID theft status. Wes refused to speak to me and hung the phone up. Metro Collection is outside the law when dealing with victims of ID THEFT. Next course of action is a police report against them for harassment and extortion. Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]