I am rejecting this response because: I was told it would remain from credit report if I paid the agreed amountAll I am asking is that they honor the agreement and I will continue to pay balance as we verbally agreed
Initial Business Response /* (1000, 10, 2015/10/23) */
Thank you for bringing the correspondence from this consumer with reference to case #XXXXXXXX to our attention
We have privately resolved the matter with ***The account in question has been paid in full, and we have instructed all
three credit bureaus to remove the account from ***'s credit reports
Thank you for your considerationWe would like to request that you please keep us updated as to the outcome of this complaint
Sincerely,
*** ***
President & CEO
Midstate Collection Solutions, Inc
April 5, 2018Revdex.com of Central IllinoisHeart of Illinois Revdex.com8100 N UniversityPeoria, IL 61615To Whom It May Concern, Thank you for bringing the correspondence from this consumer with reference to case #[redacted] to our attention. The account in question was turned over to...
our office on January 12th. 2018. On January 22, 2018, this consumer contacted our office and set up a payment arrangement with us. This consumer has been told repeatedly by our office, starting from when she first set up her payment arrangement in January, that her payment arrangement would not prevent her account from appearing on her credit report. We have consistently informed her of the date that her account was eligible to be placed on her credit report and the fact that payment in full before that date was the only guarantee that the account would not appear on her credit report. I personally had a lengthy phone conversation with her in which she specifically requested that we send her an email stating we would keep the account off of her credit report due to her payment arrangement I explained our credit reporting policies in detail to her, specifically clarifying that payment arrangements in our office do not prevent accounts (including her account) from being reported to the credit bureaus. Instead, we update the credit bureaus every month as they make their payments, until finally we can report that the account is paid in full. The account in question was reported to the credit bureaus on March 16, 2018. A few days later, this consumer contacted our office again and requested that we remove the account from her credit report because she was on a payment arrangement. Our representative went over our credit reporting policies again, explaining once more that payment arrangements do not affect credit reporting in our office. In response, she stated her intent to file a Revdex.com claim against us and terminated the call. We do understand the frustration of dealing with unwanted items on one’s credit report, and we fully appreciate that a consumer would be very interested in finding a way to prevent this. At the same time, we do have important policies that we need to follow. Our office never enters into agreements to withhold accounts from credit reporting just because a consumer is on a payment arrangement with us, because this practice would violate our contracts with the credit bureaus. This consumer is well aware of our position on the matter, as we have explained it to her clearly and exhaustively multiple times. We have also offered this consumer positive alternative solutions so her dilemma, such as the option of paying in full before the credit reporting date to avoid credit reporting altogether. We are happy to assure her that although the account is now reflecting on her credit report, we will continue to update her account with the credit bureaus every month, which will reflect the monthly payments that she makes. Once her account is paid in full, we report her ‘Paid in Full” status to the credit bureaus within 30 days, which will help open up more options to her. Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint. Sincerely,[redacted]Dispute CoordinatorMidstate Collection Solutions, Inc.
To Whom It May Concern:Thank you for bringing the correspondence from this consumer with reference to case #12223357 top our attention.After investigation, it does not appear that we have any information or accounts in our office or the specific consumer who submitted this dispute. We do, however,...
have a consumer with a similar name listed in our office. If the disputing consumer is seeing our company on her credit report, it is possible that the credit bureaus may have mistakenly applied some information from the consumer in our office to the credit report belonging to the disputing consumer.Please note that we only provide the information for the correct consumer (the one who is actually in our office) to the credit bureaus. It is up to the credit bureaus to make sure that the information that we provide is accurately applied to the correct credit report. If an error is made, the credit bureaus are the only ones with the power to correct the error. If the disputing consumer does not currently have a method for disputing items on her credit report, we recommend www.annualcreditreport.cpm as a good starting point.We would like to encourage the consumer who filed this dispute to give us a call at [redacted] so we can further assist them in working this out.Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.Sincerely,Mary ShoresPresident & CEOMidstate Collection Solutions, Inc.
To Whom It May Concern:Thank you for bringing the correspondence from this consumer with reference to case #12315276 to our attention.The account in question was turned over to our office on June 13th. 2012. We had attempted to contact this consumer by phone at his last know phone number (the...
contact number that he had provided to the original creditor). We called him at this phone number quite a few times, from the time that we received the account up through August 14, 2012. At that point, a person finally answered that phone and told us that we had a wrong number. After that, we were unable to locate an updated contact number for this consumer.We also attempted to contact this consumer to contact this consumer at his last known address (provided by the original creditor,) but received a mail return on July 14, 2012. At this point we located an updated address for the consumer, and attempted to reach him by mail at the new address. A few months later in September, we received another return for this consumer, found another address for him, and continued our contact attempts at the newest address. Finally, on December 14th, 2012, we received yet another mail return, this time with forwarding address in a state that we do no collect in.Per our policy, at that point we ceased collection attempts and forwarded this consumer's account to another agency that does collect in this consumer's new home state. This agency has also made multiple attempts to contact his individual by mail, with no response. They did attempt to locate undated address and phone information for this consumer, with no success. They report that they never received any mail returns from any of the notices that they have mailed out to this consumer, and that he has never attempted to contact them in any way.We are happy to provide this consumer with information about this account. Enclosed, please documentation for the account in question. Please note that although this consumer's apartment was eventually subleased, that agreement is strictly between the consumer and the subtenant, not the landlord and subtenant.Per the sublease agreement, the consumer still remains responsible to the landlord to fulfill the obligations specified in his original lease (such as the payment of rent and any other applicable charges) for the remainder of tat lease, if the subtenant defaults. This consumer would need to pursue the subtenant directly to claim reimbursement per his sublease agreement for charges incurred as a result of their subtenancy.If the consumer has any questions about the documentation , or wishes to request a hard, he should contact the agency that is currently handling his account:Eastern Revenue, IncP.O. Box 185Southeastern, PA 19399-0185877/271-8672Additionally, the consumer should contact the above agency for information about resolving his account, since the account is currently in their office. They will be more than happy to answer his questions and discuss his options.Thank you for your consideration. We would like to request that you please keep us updated as to the outcome for this complaint.Sincerely,Mary ShoresPresident & CEOMidstate Collection Solutions, Inc.
I am rejecting this response because:
This company needs to understand that their business policies do not override the rights of a person to know what debt the debt collector is trying to collect. They never sent any invoice from the beginning. It's funny how they have the correct address in their system but wouldn't send invoice til I filed a complaint. And per the fdcpa they violated the no contact rule after the first time of me stating to not call again. They called numerous times while I was at work. So while they want to state the fdcpa guidelines they may want to go back and educate themselves. Also due to the fact that they use an auto dialer they also violated the do not call list sense my cell phone number is on that. Per those laws they cannot contact a number on it using an autodialer.
Initial Business Response /* (1000, 12, 2015/08/26) */
Thank you for bringing the correspondence from this consumer with reference to case #XXXXXXXX to our attention. Following is a summary of the steps taken with reference to this dispute in our office.
This consumer's account was placed in our...
office for collection by [redacted] on April 30th, 2012, for collection of charges from the Fall 2011 semester. As a collection agency, we are collecting this debt on behalf of [redacted] so consumers do not sign contracts with our company.
On May 3rd, 2012, we sent our first notice about this debt to the consumer, mailed to the same address that the consumer provided as her current address on the current Revdex.com complaint. From that point, we sent a series of 5 notices to the same address over the next few months, as is our standard procedure for that type of account. We did not receive a mail return on any of these notices, so we assumed they had reached the consumer.
We had also consistently attempted to reach the consumer by phone (at a phone number given to us by [redacted] until September 5th, 2012, when we were advised that it was not the correct number for this consumer. We were unable to obtain a better number for the consumer, so we could not continue to attempt to reach the consumer by phone after that.
We did not receive a response to our collection attempts, and we have never received any direct communication from this consumer. However, she has apparently been aware of the account on her credit report since May 6th, 2013, when we were notified of her first dispute that she had filed with the credit bureaus. On May 6th, 2013, May 22, 2013, and July 7th, 2013, she disputed this account with the credit bureaus for the reason of "not aware of account". Each time, we responded to the credit bureaus that the account remained open and owing, since not being aware of an account does not necessarily mean that the account is not valid, and our investigations of the account indicated that the account was indeed valid.
More than a year later (on November 11, 2014) she filed another dispute with the credit bureaus, this time claiming inaccurate information. Since there was no indication in the optional notes section as to what info was incorrect or what she felt the correct info should be, we reviewed the account and verified with our client that the information that we had overall was correct, and responded that the account remained open and owing. We had not heard anything further from this consumer until we received the current Revdex.com complaint.
Please note that our company name and contact information is easily available from the credit bureaus, and it is our understanding that our company name and contact information is even specifically provided to the consumer when the consumer receives their response to their dispute with the credit bureaus. So it is very likely that this consumer has had information since at least May of 2013 that would have allowed her to contact us directly so she could learn why she was being billed for this account. As noted above, we have never been directly contacted by this consumer.
We would like to invite this consumer to contact us regarding this account. We would be happy to go over the information that we have with her, and work with her toward a positive resolution. If she still wants to dispute the account after she learns about the account, we would also be more than happy to investigate the account for her. We find that consumers are often more satisfied with the results of their disputes when the disputes are based on actual information about the account instead of an assumption that something the consumer did not have complete information about must automatically be incorrect.
Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.
Sincerely,
[redacted]
President & CEO
Midstate Collection Solutions, Inc.
:PSC_Anderson_IS.pdf:
Initial Business Response /* (1000, 10, 2015/09/09) */
Thank you for bringing the correspondence from this consumer with reference to case #XXXXXXXX to our attention.
Due to a previous mail return on the address we were given for this consumer and the age of the account, as a courtesy we are...
cancelling this account in our office. We will instruct all three major credit bureaus to remove this account from the consumer's credit report. Please allow 30 days for this process to complete.
Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.
Sincerely,
[redacted]
President & CEO
Midstate Collection Solutions, Inc.
To Whom It May Concern,Thank you for bringing the correspondence from this consumer with reference to case #[redacted] to our attention. Following is a summary of the steps taken with reference to this matter in our office.Account 268807-[redacted] in our office represents a delinquent balance of $496.96...
owed to Re/Max Choice by this consumer, with the most recent charges invoiced on February 20th, 2012. Re/Max Choice turned this account over to our office for collections on July 29th, 2015. In accordance with our policy and federal law, we reported the unpaid balance to the credit bureaus on September 30th, 2015.We mailed out 2 letters to this consumer shortly after receiving this account in our office, in an attempt to notify him about the account. Both letters, sent on July 30th, 2015 and August 10,2015, we mailed to this consumer's last known address ([redacted] 1202, Jacksonville FL 32225). On August 13, 2015, we received one of these notices back marked as a Mail Return by the post office, indicating that the address we had for this consumer was no good. No updated/forwarding address was indicated, so at the time we were unable to continue attempting to reach this consumer by mail. We were able to speak to this consumer about the account in question quite a few times by telephone, starting on August 17, 2016. He has requested several times that we send him proof of his debt. Each time, we have provided him with instructions for requesting his validation in writing, in accordance with section 809 (a) of the FDCPA. Each time he refused to send a written request, and refused to even update or confirm his current mailing address.We have enclosed with our response a copy of the documentation of this account provided by Re/Max Choice, as validation of the aforementioned debt. However, we would like to point out that the exact same result could have been achieved more than a year earlier if the consumer had simply sent us written letter (or even a brief, minimal note) with a request for validation of his debt in accordance with federal law (FDCPA 809(a)).The balance due for the account in question remains open and owing. We would like to invite this consumer to contact us after reviewing his account paperwork. We will be happy to discuss his account and assist him in reaching a positive resolution.Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.Sincerely,[redacted]President & CEOMidstate Collection Solutions, Inc.
I am rejecting this response because: I was told it would remain from credit report if I paid the agreed amountAll I am asking is that they honor the agreement and I will continue to pay balance as we verbally agreed
Initial Business Response /* (1000, 10, 2015/10/23) */
Thank you for bringing the correspondence from this consumer with reference to case #XXXXXXXX to our attention
We have privately resolved the matter with ***The account in question has been paid in full, and we have instructed all
three credit bureaus to remove the account from ***'s credit reports
Thank you for your considerationWe would like to request that you please keep us updated as to the outcome of this complaint
Sincerely,
*** ***
President & CEO
Midstate Collection Solutions, Inc
April 5, 2018Revdex.com of Central IllinoisHeart of Illinois Revdex.com8100 N UniversityPeoria, IL 61615To Whom It May Concern, Thank you for bringing the correspondence from this consumer with reference to case #[redacted] to our attention. The account in question was turned over to...
our office on January 12th. 2018. On January 22, 2018, this consumer contacted our office and set up a payment arrangement with us. This consumer has been told repeatedly by our office, starting from when she first set up her payment arrangement in January, that her payment arrangement would not prevent her account from appearing on her credit report. We have consistently informed her of the date that her account was eligible to be placed on her credit report and the fact that payment in full before that date was the only guarantee that the account would not appear on her credit report. I personally had a lengthy phone conversation with her in which she specifically requested that we send her an email stating we would keep the account off of her credit report due to her payment arrangement I explained our credit reporting policies in detail to her, specifically clarifying that payment arrangements in our office do not prevent accounts (including her account) from being reported to the credit bureaus. Instead, we update the credit bureaus every month as they make their payments, until finally we can report that the account is paid in full. The account in question was reported to the credit bureaus on March 16, 2018. A few days later, this consumer contacted our office again and requested that we remove the account from her credit report because she was on a payment arrangement. Our representative went over our credit reporting policies again, explaining once more that payment arrangements do not affect credit reporting in our office. In response, she stated her intent to file a Revdex.com claim against us and terminated the call. We do understand the frustration of dealing with unwanted items on one’s credit report, and we fully appreciate that a consumer would be very interested in finding a way to prevent this. At the same time, we do have important policies that we need to follow. Our office never enters into agreements to withhold accounts from credit reporting just because a consumer is on a payment arrangement with us, because this practice would violate our contracts with the credit bureaus. This consumer is well aware of our position on the matter, as we have explained it to her clearly and exhaustively multiple times. We have also offered this consumer positive alternative solutions so her dilemma, such as the option of paying in full before the credit reporting date to avoid credit reporting altogether. We are happy to assure her that although the account is now reflecting on her credit report, we will continue to update her account with the credit bureaus every month, which will reflect the monthly payments that she makes. Once her account is paid in full, we report her ‘Paid in Full” status to the credit bureaus within 30 days, which will help open up more options to her. Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint. Sincerely,[redacted]Dispute CoordinatorMidstate Collection Solutions, Inc.
To Whom It May Concern:Thank you for bringing the correspondence from this consumer with reference to case #12223357 top our attention.After investigation, it does not appear that we have any information or accounts in our office or the specific consumer who submitted this dispute. We do, however,...
have a consumer with a similar name listed in our office. If the disputing consumer is seeing our company on her credit report, it is possible that the credit bureaus may have mistakenly applied some information from the consumer in our office to the credit report belonging to the disputing consumer.Please note that we only provide the information for the correct consumer (the one who is actually in our office) to the credit bureaus. It is up to the credit bureaus to make sure that the information that we provide is accurately applied to the correct credit report. If an error is made, the credit bureaus are the only ones with the power to correct the error. If the disputing consumer does not currently have a method for disputing items on her credit report, we recommend www.annualcreditreport.cpm as a good starting point.We would like to encourage the consumer who filed this dispute to give us a call at [redacted] so we can further assist them in working this out.Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.Sincerely,Mary ShoresPresident & CEOMidstate Collection Solutions, Inc.
To Whom It May Concern:Thank you for bringing the correspondence from this consumer with reference to case #12315276 to our attention.The account in question was turned over to our office on June 13th. 2012. We had attempted to contact this consumer by phone at his last know phone number (the...
contact number that he had provided to the original creditor). We called him at this phone number quite a few times, from the time that we received the account up through August 14, 2012. At that point, a person finally answered that phone and told us that we had a wrong number. After that, we were unable to locate an updated contact number for this consumer.We also attempted to contact this consumer to contact this consumer at his last known address (provided by the original creditor,) but received a mail return on July 14, 2012. At this point we located an updated address for the consumer, and attempted to reach him by mail at the new address. A few months later in September, we received another return for this consumer, found another address for him, and continued our contact attempts at the newest address. Finally, on December 14th, 2012, we received yet another mail return, this time with forwarding address in a state that we do no collect in.Per our policy, at that point we ceased collection attempts and forwarded this consumer's account to another agency that does collect in this consumer's new home state. This agency has also made multiple attempts to contact his individual by mail, with no response. They did attempt to locate undated address and phone information for this consumer, with no success. They report that they never received any mail returns from any of the notices that they have mailed out to this consumer, and that he has never attempted to contact them in any way.We are happy to provide this consumer with information about this account. Enclosed, please documentation for the account in question. Please note that although this consumer's apartment was eventually subleased, that agreement is strictly between the consumer and the subtenant, not the landlord and subtenant.Per the sublease agreement, the consumer still remains responsible to the landlord to fulfill the obligations specified in his original lease (such as the payment of rent and any other applicable charges) for the remainder of tat lease, if the subtenant defaults. This consumer would need to pursue the subtenant directly to claim reimbursement per his sublease agreement for charges incurred as a result of their subtenancy.If the consumer has any questions about the documentation , or wishes to request a hard, he should contact the agency that is currently handling his account:Eastern Revenue, IncP.O. Box 185Southeastern, PA 19399-0185877/271-8672Additionally, the consumer should contact the above agency for information about resolving his account, since the account is currently in their office. They will be more than happy to answer his questions and discuss his options.Thank you for your consideration. We would like to request that you please keep us updated as to the outcome for this complaint.Sincerely,Mary ShoresPresident & CEOMidstate Collection Solutions, Inc.
I am rejecting this response because:
This company needs to understand that their business policies do not override the rights of a person to know what debt the debt collector is trying to collect. They never sent any invoice from the beginning. It's funny how they have the correct address in their system but wouldn't send invoice til I filed a complaint. And per the fdcpa they violated the no contact rule after the first time of me stating to not call again. They called numerous times while I was at work. So while they want to state the fdcpa guidelines they may want to go back and educate themselves. Also due to the fact that they use an auto dialer they also violated the do not call list sense my cell phone number is on that. Per those laws they cannot contact a number on it using an autodialer.
Initial Business Response /* (1000, 12, 2015/08/26) */
Thank you for bringing the correspondence from this consumer with reference to case #XXXXXXXX to our attention. Following is a summary of the steps taken with reference to this dispute in our office.
This consumer's account was placed in our...
office for collection by [redacted] on April 30th, 2012, for collection of charges from the Fall 2011 semester. As a collection agency, we are collecting this debt on behalf of [redacted] so consumers do not sign contracts with our company.
On May 3rd, 2012, we sent our first notice about this debt to the consumer, mailed to the same address that the consumer provided as her current address on the current Revdex.com complaint. From that point, we sent a series of 5 notices to the same address over the next few months, as is our standard procedure for that type of account. We did not receive a mail return on any of these notices, so we assumed they had reached the consumer.
We had also consistently attempted to reach the consumer by phone (at a phone number given to us by [redacted] until September 5th, 2012, when we were advised that it was not the correct number for this consumer. We were unable to obtain a better number for the consumer, so we could not continue to attempt to reach the consumer by phone after that.
We did not receive a response to our collection attempts, and we have never received any direct communication from this consumer. However, she has apparently been aware of the account on her credit report since May 6th, 2013, when we were notified of her first dispute that she had filed with the credit bureaus. On May 6th, 2013, May 22, 2013, and July 7th, 2013, she disputed this account with the credit bureaus for the reason of "not aware of account". Each time, we responded to the credit bureaus that the account remained open and owing, since not being aware of an account does not necessarily mean that the account is not valid, and our investigations of the account indicated that the account was indeed valid.
More than a year later (on November 11, 2014) she filed another dispute with the credit bureaus, this time claiming inaccurate information. Since there was no indication in the optional notes section as to what info was incorrect or what she felt the correct info should be, we reviewed the account and verified with our client that the information that we had overall was correct, and responded that the account remained open and owing. We had not heard anything further from this consumer until we received the current Revdex.com complaint.
Please note that our company name and contact information is easily available from the credit bureaus, and it is our understanding that our company name and contact information is even specifically provided to the consumer when the consumer receives their response to their dispute with the credit bureaus. So it is very likely that this consumer has had information since at least May of 2013 that would have allowed her to contact us directly so she could learn why she was being billed for this account. As noted above, we have never been directly contacted by this consumer.
We would like to invite this consumer to contact us regarding this account. We would be happy to go over the information that we have with her, and work with her toward a positive resolution. If she still wants to dispute the account after she learns about the account, we would also be more than happy to investigate the account for her. We find that consumers are often more satisfied with the results of their disputes when the disputes are based on actual information about the account instead of an assumption that something the consumer did not have complete information about must automatically be incorrect.
Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.
Sincerely,
[redacted]
President & CEO
Midstate Collection Solutions, Inc.
:PSC_Anderson_IS.pdf:
Initial Business Response /* (1000, 10, 2015/09/09) */
Thank you for bringing the correspondence from this consumer with reference to case #XXXXXXXX to our attention.
Due to a previous mail return on the address we were given for this consumer and the age of the account, as a courtesy we are...
cancelling this account in our office. We will instruct all three major credit bureaus to remove this account from the consumer's credit report. Please allow 30 days for this process to complete.
Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.
Sincerely,
[redacted]
President & CEO
Midstate Collection Solutions, Inc.
To Whom It May Concern,Thank you for bringing the correspondence from this consumer with reference to case #[redacted] to our attention. Following is a summary of the steps taken with reference to this matter in our office.Account 268807-[redacted] in our office represents a delinquent balance of $496.96...
owed to Re/Max Choice by this consumer, with the most recent charges invoiced on February 20th, 2012. Re/Max Choice turned this account over to our office for collections on July 29th, 2015. In accordance with our policy and federal law, we reported the unpaid balance to the credit bureaus on September 30th, 2015.We mailed out 2 letters to this consumer shortly after receiving this account in our office, in an attempt to notify him about the account. Both letters, sent on July 30th, 2015 and August 10,2015, we mailed to this consumer's last known address ([redacted] 1202, Jacksonville FL 32225). On August 13, 2015, we received one of these notices back marked as a Mail Return by the post office, indicating that the address we had for this consumer was no good. No updated/forwarding address was indicated, so at the time we were unable to continue attempting to reach this consumer by mail. We were able to speak to this consumer about the account in question quite a few times by telephone, starting on August 17, 2016. He has requested several times that we send him proof of his debt. Each time, we have provided him with instructions for requesting his validation in writing, in accordance with section 809 (a) of the FDCPA. Each time he refused to send a written request, and refused to even update or confirm his current mailing address.We have enclosed with our response a copy of the documentation of this account provided by Re/Max Choice, as validation of the aforementioned debt. However, we would like to point out that the exact same result could have been achieved more than a year earlier if the consumer had simply sent us written letter (or even a brief, minimal note) with a request for validation of his debt in accordance with federal law (FDCPA 809(a)).The balance due for the account in question remains open and owing. We would like to invite this consumer to contact us after reviewing his account paperwork. We will be happy to discuss his account and assist him in reaching a positive resolution.Thank you for your consideration. We would like to request that you please keep us updated as to the outcome of this complaint.Sincerely,[redacted]President & CEOMidstate Collection Solutions, Inc.