June 9, 2016 [redacted] Re: June 3, 2016 Complaint [redacted] ...
Dear [redacted] Van Ru keeps detailed records regarding our collection efforts with consumers in order to provide superior service not only to our clients but to consumers as well. We have reviewed your complaint along with our records on the account at issue. We would like to provide you with the following information, which we believe will serve to resolve your complaint. On January 10, 2015 you agreed to qualify for the rehabilitation program and provided a verbal financial statement resulting in an agreement, to be validated with supporting documentation, to pay $5.00 per month. As was explained during the call the payment amount needed to be validated with documentation. The documentation received was slightly different than what we were told initially resulting in the need to increase the payment to $10.00 per month. In July 2015 you agreed to qualify for rehabilitation by making nine payments in ten months in the amount of $10.00 per month. Unfortunately payments were not made beyond August 2015 thus you were not qualified for rehabilitation. As we explained to you when you agreed to enter the program, the tax offset would stop after successful completion of the program which did not occur. We note that the balance currently reflected in our system is accurate and includes the recent tax offset payment. However, the letter you received with the higher balance was sent prior to the offset being reported to Van Ru. Should you wish to discuss resolution of your account please feel free to contact [redacted] Director of Consumer Advocacy at [redacted] and he will be happy to assist you directly or ensure you are transferred to the proper party to discuss resolution. Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector
To Whom It May Concern,Thank you for your email dated August 29, 2016 and the opportunity to respond to the concerns of the consumer.On August 22, 2016 our client, Seventh Avenue, placed an account with our office to collect a past due amount. At that time we mailed our first notice to the...
consumer indicating the account had been assigned. We received no response. We note that the phone numbers provided with the complaint have not been dialed by Van ** as the numbers are not in our system. Further, on the dates referenced in the complaint the account was not yet assigned to Van **.Nonetheless, we have documented the account at issue for no further telephone calls. Should the consumer wish to discuss the matter further I can be reached at 800-[redacted]-[redacted] x. [redacted].Regards,Michael [redacted]Corporate Compliance ManagerVan ** Credit Corporation
Initial Business Response /* (1000, 8, 2015/06/10) */
Re: [redacted]
To Whom It May Concern:
We have received the complaint regarding the above referenced consumer.
We do not agree that the calls were placed daily though we do agree that we attempted to reach our account holder...
regularly. Phone calls were unsuccessful so we were not aware that we had a wrong number. We appreciate being made aware of the wrong number and have documented the account at issue for no further calls to the phone number ending [redacted]
We apologize for contacting Ms. [redacted] in error. If any further information is required please contact us as we remain committed to consumer satisfaction.
Regards,
[redacted]
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 10, 2015/06/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well, I do not agree with your untruthful comments! Therefore, I have reported you and your practices to the Attorney General. You are welcome to continue to tell this lies to the [redacted] office. While in return I will be furnishing them with my phone record showing your phone number all over it!
RE: [redacted]To Who It May Concern;We have received the recent complaint submitted through the Revdex.com. We appreciate the opportunity to respond to the concerns of the consumer. On February 9, 2016 [redacted] contacted our office and offered to pay 20% of the...
debt at issue. Unfortunately, during this conversation [redacted] never provided a dollar amount and when our representative repeated $1600 on multiple occasions he was incorrect and the accuracy of the amount was not corrected during the conversation which lead to the misunderstanding and the letter being sent for a different amount than expected by Mr. [redacted].We apologize for any misunderstanding that may have occurred and are sending a corrected settlement offer letter to Mr. [redacted]. We note that the balance is assigned by our client and Van Ru does not add any additional charges of any kind to the account.Should Mr. [redacted] have any additional questions or concerns he may contact me at [redacted] as we remain committed to consumer satisfaction. Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
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.
However, in reviewing the initial "Collection" notice, that statement was hidden on the bottom of the notice and just spoke about lawsuits not being applicable. I did dispute this with the collector- however, since they are stopping collection activities- I am satisfied since I am pretty certain they "purchased" the debt for pennies on the dollar and they know it is not legal to collect that debt.
Sincerely,
Mary [redacted]
Dear [redacted]We appreciate being made aware of your concerns regarding the handling of an account. We apologize for the continued letters being sent to your residence. Our records indicate we documented the phone number ending [redacted] for no further calls. However, during...
the contact when you requested no further calls the address issue was not discussed thus we were not aware that we also had the wrong address. Our records further do not indicate that we made any threats regarding your credit. Nonetheless, we apologize for the calls and letters and have documented the account at issue for no further contact to your phone number or address.Should you require any additional information please feel free to contact me at [redacted]Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
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.
Sincerely,
[redacted]
Good Morning,We have received the recent complaint from [redacted] Unfortunately we are unable to locate the account at issue with the information provided. Nonetheless, we can assure [redacted] we were not on a phishing for information. We have the consumers data but we ask...
contacted parties to verify their identity so that we avoid violations of third party disclosure laws that govern our industry.Should [redacted] have any further concerns I can be contacted at [redacted]Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
June 1, 2016 [redacted] Re: May 23, 2016 Complaint [redacted] ...
Dear [redacted] Van Ru keeps detailed records regarding our collection efforts with consumers in order to provide superior service not only to our clients but to consumers as well. We have reviewed your complaint along with our records on the account at issue. We would like to provide you with the following information, which we believe will serve to resolve your complaint. In November 2014 you spoke with a representative and agreed to enter the rehabilitation program. As part of qualifying for the program we need to receive timely payments, documents supporting the verbal financial information we received during program set-up and the program requires the rehabilitation agreement letter to be signed and returned. Payments were only received through February 25, 2015 and the supporting documents validating the payment were not received. Subsequently, in July 2015, the account was initiated for wage garnishment. Hearing documents were received but were not submitted timely, documents requested as part of the hearing process were not included with the hearing request forms thus the hearing was denied. We regret any vague comments made by our representative during a call on September 3, 2015, however our records do indicate you spoke with a second person that day and that representative accurately advised you regarding the status of the account. We remain willing to work with you to resolve your account. Please feel free to contact [redacted] Director of Consumer Advocacy, at [redacted] and he will be happy to work with you to resolve any concerns you may have and your account as well. Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector
Re: Mary J. [redacted] To Whom It May Concern:Thank you for your letter dated November 7, 2016 and the opportunity to respond to the concerns of the consumer. Our client, a servicer to the original creditor placed the account at issue with our office for collection of a past due amount on...
September 21, 2016. At placement we mailed our first notice to the consumer which includes a disclosure regarding the age of the debt. Unfortunately, we have not received the dispute that Ms. [redacted] states she mailed after receipt of our initial letter. Nonetheless, we have now received notice of the dispute and will document our records accordingly. As requested in the complaint we have documented the account at issue for no further communication. Regards,Michael [redacted]Van Ru Credit Corporation
To Whom It May Concern,Thank you for the notice dated February 8, 2016 and the opportunity to respond to the concerns of the consumer. In an effort to contact an account holder it appears we contacted the complainant in error. We note that we do not agree with the frequency of calls...
alleged in the complaint. Our records indicate we obtained the phone number ending 0295 on January 5, 2016. Between receipt and today our records indicate a total of five phone calls were placed to the number at issue. The phone number has been documented for no further phone calls. Regards,Michael [redacted]Corporate Compliance ManagerVan Ru Credit Corporation
Re: [redacted]Dear [redacted]We apologize for any confusion that may have occurred. When we speak to consumers we attempt to verify we have reached the correct party by verifying specific identifying information to avoid violations of third party disclosure laws that govern our...
industry. Unfortunately there was a slight discrepancy between your social security number and the one we received from our client therefore we needed to correct our records before moving forward on the account. It is my understanding that we spoke with you yesterday and a payment arrangement has been agreed upon. We appreciate your patience. Should you have any further concerns please feel free to contact me at [redacted]Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
Re: [redacted]
To Whom It May Concern,
We have received your inquiry dated October 5, 2015. We apologize for the delay in responding to your inquiry.
Our records indicate we left messages at the phone number ending [redacted] on several occasions during the month of September. We regret that...
we were unable to reach you to resolve the matter. As you have requested we will cease phone calls to ensure that no further contact is made with a third party to obtain location information.
Regards,
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation
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.
Sincerely,
[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.
Sincerely,
[redacted]
Initial Business Response /* (1000, 8, 2015/05/14) */
Re: [redacted]
To Whom It May Concern:
Thank you for your letter dated May 1, 2015 and the opportunity to respond to the concerns of the consumer.
We do not agree that the phone calls were constant or that we attempted to coerce Mr....
[redacted] into paying his student loans.
Our client, the US Department of Education, assigned the accounts to us for collection of a past due amount. A letter was mailed to Mr. [redacted] stating such in January 2015. Van Ru does not add any fees to accounts. All sums for collection are directed by the US Department of Education. At no time did we call Mr. [redacted] a [redacted] however we did attempt to explain any discrepancies between the balance our client placed with our office and the balance Mr. [redacted] was referencing.
On May 1, 2015 Mr. [redacted] requested no further communication and no further contact has been made. The account has been placed in a cease communication disposition.
Regards,
[redacted]
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 10, 2015/05/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I can show where they called my phone four or more times a day until I blew up on them. They added collection fees to my total amount owed and I can prove that as well. I never received a letter from them at any time
Final Consumer Response /* (4200, 16, 2015/06/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
So they don't consider calling upwards of five times per day starting at 8a.m. And not stopping until 10p.m. On multiple days in a row not constant. Technically anything g more than once per day is harassment. And the federal government does not add collection fees to student loan accounts. I checked in that one too. I have spoken with the originators of the student loans and they did not add any fees to the loan. I know this because I was able to talk to the originators due to my loans being consolidated for payment and they do not add fees for collections.
Final Business Response /* (4000, 18, 2015/06/15) */
Re: [redacted]
To Whom It May Concern:
We regret that you were dissatisfied with frequency of the contact attempts. Once we were advised of that dissatisfaction we ceased the activity with which you were displeased. We apologize for any inconvenience the contact attempts may have caused.
As previously stated Van Ru does not add fees to accounts, any fees that are added are done at the instruction of our client. Should questions remain regarding this matter please don't hesitate to contact me at XXX-XXX-XXXX x. [redacted]
Regards,
[redacted]
Van Ru Credit Corporation
Complaint: [redacted]
I am rejecting this response because:Please make a note in your file and on the Revdex.com website that you first tried to get my social security number from the person that answered the phone. When that person told you they would not give out that information over the phone, your representative asked for it again. I then took over the phone conversation with your rude representative and explained exactly why that information is not to be given out over the phone, and yes to no longer call because you do not have the correct individual.If you state that you try to secure you are speaking with the correct individual then you should not have asked for a social security number from any other individual at the number you are calling. That is unethical business practice on your company's part. We have been warned over and over to never give out personal information over the telephone~your company should know better.Also, you had until yesterday, January 11, 2016 to resolve this......It is January 12, 2016, you're a day late in your response.
Sincerely,
[redacted]
Tell us why here... March 7, 2016 Revdex.com Re: [redacted] [redacted] To Whom It May Concern: We have received your letter...
dated February 17, 2016 and appreciate the opportunity to respond to the concerns of the consumer. On August 29, 2014 based on financial information obtained verbally, the consumer agreed to make payments toward the rehabilitation program. To qualify to have loans rehabilitated the payment amount needed to be validated with documentation and the consumer needed to make nine qualifying payments over a ten month period and continue to make monthly payments until being notified of successful rehabilitation. The consumer authorized payments through May 15, 2015. Throughout the months after agreeing to rehabilitate Van Ru sent several letters and placed phone calls to obtain the necessary paperwork to validate the payments. All authorized payments were run as agreed however we could not continue to take payments beyond May 15, 2015 as we had no authorization to do so and were not successful in contacting the consumer to obtain additional payments or the paperwork to validate the payment amount. On October 27, 2015, five months after the last payment had been made we received documentation however the consumer had already fallen out of compliance with the program. On February 11, 2016 the consumer contacted our office concerned over the lack of follow up on our behalf. We explained that at the time the paperwork was received the account was no longer in compliance with the program. When pressed with questions concerning our alleged lack of follow up our representative explained that attempts were made to keep the account in compliance with the program however we did not receive responses from the consumer to letters and calls. Our review did not identify where the representative was rude or pushy with the consumer however they were not in agreement on the way the matter could have been handled which may have been perceived as rude. We regret any misunderstanding that occurred during the conversation on February 11, 2016. As the consumer has requested not to work with Van Ru we have placed the account on hold and will request the account be recalled by our client. Should you have any additional questions or concerns, please contact me at [redacted] Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
June 9, 2016 [redacted] Re: June 3, 2016 Complaint [redacted] ...
Dear [redacted] Van Ru keeps detailed records regarding our collection efforts with consumers in order to provide superior service not only to our clients but to consumers as well. We have reviewed your complaint along with our records on the account at issue. We would like to provide you with the following information, which we believe will serve to resolve your complaint. On January 10, 2015 you agreed to qualify for the rehabilitation program and provided a verbal financial statement resulting in an agreement, to be validated with supporting documentation, to pay $5.00 per month. As was explained during the call the payment amount needed to be validated with documentation. The documentation received was slightly different than what we were told initially resulting in the need to increase the payment to $10.00 per month. In July 2015 you agreed to qualify for rehabilitation by making nine payments in ten months in the amount of $10.00 per month. Unfortunately payments were not made beyond August 2015 thus you were not qualified for rehabilitation. As we explained to you when you agreed to enter the program, the tax offset would stop after successful completion of the program which did not occur. We note that the balance currently reflected in our system is accurate and includes the recent tax offset payment. However, the letter you received with the higher balance was sent prior to the offset being reported to Van Ru. Should you wish to discuss resolution of your account please feel free to contact [redacted] Director of Consumer Advocacy at [redacted] and he will be happy to assist you directly or ensure you are transferred to the proper party to discuss resolution. Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector
To Whom It May Concern,Thank you for your email dated August 29, 2016 and the opportunity to respond to the concerns of the consumer.On August 22, 2016 our client, Seventh Avenue, placed an account with our office to collect a past due amount. At that time we mailed our first notice to the...
consumer indicating the account had been assigned. We received no response. We note that the phone numbers provided with the complaint have not been dialed by Van ** as the numbers are not in our system. Further, on the dates referenced in the complaint the account was not yet assigned to Van **.Nonetheless, we have documented the account at issue for no further telephone calls. Should the consumer wish to discuss the matter further I can be reached at 800-[redacted]-[redacted] x. [redacted].Regards,Michael [redacted]Corporate Compliance ManagerVan ** Credit Corporation
Initial Business Response /* (1000, 8, 2015/06/10) */
Re: [redacted]
To Whom It May Concern:
We have received the complaint regarding the above referenced consumer.
We do not agree that the calls were placed daily though we do agree that we attempted to reach our account holder...
regularly. Phone calls were unsuccessful so we were not aware that we had a wrong number. We appreciate being made aware of the wrong number and have documented the account at issue for no further calls to the phone number ending [redacted]
We apologize for contacting Ms. [redacted] in error. If any further information is required please contact us as we remain committed to consumer satisfaction.
Regards,
[redacted]
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 10, 2015/06/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Well, I do not agree with your untruthful comments! Therefore, I have reported you and your practices to the Attorney General. You are welcome to continue to tell this lies to the [redacted] office. While in return I will be furnishing them with my phone record showing your phone number all over it!
RE: [redacted]To Who It May Concern;We have received the recent complaint submitted through the Revdex.com. We appreciate the opportunity to respond to the concerns of the consumer. On February 9, 2016 [redacted] contacted our office and offered to pay 20% of the...
debt at issue. Unfortunately, during this conversation [redacted] never provided a dollar amount and when our representative repeated $1600 on multiple occasions he was incorrect and the accuracy of the amount was not corrected during the conversation which lead to the misunderstanding and the letter being sent for a different amount than expected by Mr. [redacted].We apologize for any misunderstanding that may have occurred and are sending a corrected settlement offer letter to Mr. [redacted]. We note that the balance is assigned by our client and Van Ru does not add any additional charges of any kind to the account.Should Mr. [redacted] have any additional questions or concerns he may contact me at [redacted] as we remain committed to consumer satisfaction. Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
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.
However, in reviewing the initial "Collection" notice, that statement was hidden on the bottom of the notice and just spoke about lawsuits not being applicable. I did dispute this with the collector- however, since they are stopping collection activities- I am satisfied since I am pretty certain they "purchased" the debt for pennies on the dollar and they know it is not legal to collect that debt.
Sincerely,
Mary [redacted]
Dear [redacted]We appreciate being made aware of your concerns regarding the handling of an account. We apologize for the continued letters being sent to your residence. Our records indicate we documented the phone number ending [redacted] for no further calls. However, during...
the contact when you requested no further calls the address issue was not discussed thus we were not aware that we also had the wrong address. Our records further do not indicate that we made any threats regarding your credit. Nonetheless, we apologize for the calls and letters and have documented the account at issue for no further contact to your phone number or address.Should you require any additional information please feel free to contact me at [redacted]Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
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.
Sincerely,
[redacted]
Good Morning,We have received the recent complaint from [redacted] Unfortunately we are unable to locate the account at issue with the information provided. Nonetheless, we can assure [redacted] we were not on a phishing for information. We have the consumers data but we ask...
contacted parties to verify their identity so that we avoid violations of third party disclosure laws that govern our industry.Should [redacted] have any further concerns I can be contacted at [redacted]Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
June 1, 2016 [redacted] Re: May 23, 2016 Complaint [redacted] ...
Dear [redacted] Van Ru keeps detailed records regarding our collection efforts with consumers in order to provide superior service not only to our clients but to consumers as well. We have reviewed your complaint along with our records on the account at issue. We would like to provide you with the following information, which we believe will serve to resolve your complaint. In November 2014 you spoke with a representative and agreed to enter the rehabilitation program. As part of qualifying for the program we need to receive timely payments, documents supporting the verbal financial information we received during program set-up and the program requires the rehabilitation agreement letter to be signed and returned. Payments were only received through February 25, 2015 and the supporting documents validating the payment were not received. Subsequently, in July 2015, the account was initiated for wage garnishment. Hearing documents were received but were not submitted timely, documents requested as part of the hearing process were not included with the hearing request forms thus the hearing was denied. We regret any vague comments made by our representative during a call on September 3, 2015, however our records do indicate you spoke with a second person that day and that representative accurately advised you regarding the status of the account. We remain willing to work with you to resolve your account. Please feel free to contact [redacted] Director of Consumer Advocacy, at [redacted] and he will be happy to work with you to resolve any concerns you may have and your account as well. Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector
Re: Mary J. [redacted] To Whom It May Concern:Thank you for your letter dated November 7, 2016 and the opportunity to respond to the concerns of the consumer. Our client, a servicer to the original creditor placed the account at issue with our office for collection of a past due amount on...
September 21, 2016. At placement we mailed our first notice to the consumer which includes a disclosure regarding the age of the debt. Unfortunately, we have not received the dispute that Ms. [redacted] states she mailed after receipt of our initial letter. Nonetheless, we have now received notice of the dispute and will document our records accordingly. As requested in the complaint we have documented the account at issue for no further communication. Regards,Michael [redacted]Van Ru Credit Corporation
To Whom It May Concern,Thank you for the notice dated February 8, 2016 and the opportunity to respond to the concerns of the consumer. In an effort to contact an account holder it appears we contacted the complainant in error. We note that we do not agree with the frequency of calls...
alleged in the complaint. Our records indicate we obtained the phone number ending 0295 on January 5, 2016. Between receipt and today our records indicate a total of five phone calls were placed to the number at issue. The phone number has been documented for no further phone calls. Regards,Michael [redacted]Corporate Compliance ManagerVan Ru Credit Corporation
Re: [redacted]Dear [redacted]We apologize for any confusion that may have occurred. When we speak to consumers we attempt to verify we have reached the correct party by verifying specific identifying information to avoid violations of third party disclosure laws that govern our...
industry. Unfortunately there was a slight discrepancy between your social security number and the one we received from our client therefore we needed to correct our records before moving forward on the account. It is my understanding that we spoke with you yesterday and a payment arrangement has been agreed upon. We appreciate your patience. Should you have any further concerns please feel free to contact me at [redacted]Regards,[redacted]Corporate Compliance ManagerVan Ru Credit Corporation
Re: [redacted]
To Whom It May Concern,
We have received your inquiry dated October 5, 2015. We apologize for the delay in responding to your inquiry.
Our records indicate we left messages at the phone number ending [redacted] on several occasions during the month of September. We regret that...
we were unable to reach you to resolve the matter. As you have requested we will cease phone calls to ensure that no further contact is made with a third party to obtain location information.
Regards,
[redacted]
Corporate Compliance Manager
Van Ru Credit Corporation
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.
Sincerely,
[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.
Sincerely,
[redacted]
Initial Business Response /* (1000, 8, 2015/05/14) */
Re: [redacted]
To Whom It May Concern:
Thank you for your letter dated May 1, 2015 and the opportunity to respond to the concerns of the consumer.
We do not agree that the phone calls were constant or that we attempted to coerce Mr....
[redacted] into paying his student loans.
Our client, the US Department of Education, assigned the accounts to us for collection of a past due amount. A letter was mailed to Mr. [redacted] stating such in January 2015. Van Ru does not add any fees to accounts. All sums for collection are directed by the US Department of Education. At no time did we call Mr. [redacted] a [redacted] however we did attempt to explain any discrepancies between the balance our client placed with our office and the balance Mr. [redacted] was referencing.
On May 1, 2015 Mr. [redacted] requested no further communication and no further contact has been made. The account has been placed in a cease communication disposition.
Regards,
[redacted]
Van Ru Credit Corporation
Initial Consumer Rebuttal /* (3000, 10, 2015/05/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I can show where they called my phone four or more times a day until I blew up on them. They added collection fees to my total amount owed and I can prove that as well. I never received a letter from them at any time
Final Consumer Response /* (4200, 16, 2015/06/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
So they don't consider calling upwards of five times per day starting at 8a.m. And not stopping until 10p.m. On multiple days in a row not constant. Technically anything g more than once per day is harassment. And the federal government does not add collection fees to student loan accounts. I checked in that one too. I have spoken with the originators of the student loans and they did not add any fees to the loan. I know this because I was able to talk to the originators due to my loans being consolidated for payment and they do not add fees for collections.
Final Business Response /* (4000, 18, 2015/06/15) */
Re: [redacted]
To Whom It May Concern:
We regret that you were dissatisfied with frequency of the contact attempts. Once we were advised of that dissatisfaction we ceased the activity with which you were displeased. We apologize for any inconvenience the contact attempts may have caused.
As previously stated Van Ru does not add fees to accounts, any fees that are added are done at the instruction of our client. Should questions remain regarding this matter please don't hesitate to contact me at XXX-XXX-XXXX x. [redacted]
Regards,
[redacted]
Van Ru Credit Corporation
Complaint: [redacted]
I am rejecting this response because:Please make a note in your file and on the Revdex.com website that you first tried to get my social security number from the person that answered the phone. When that person told you they would not give out that information over the phone, your representative asked for it again. I then took over the phone conversation with your rude representative and explained exactly why that information is not to be given out over the phone, and yes to no longer call because you do not have the correct individual.If you state that you try to secure you are speaking with the correct individual then you should not have asked for a social security number from any other individual at the number you are calling. That is unethical business practice on your company's part. We have been warned over and over to never give out personal information over the telephone~your company should know better.Also, you had until yesterday, January 11, 2016 to resolve this......It is January 12, 2016, you're a day late in your response.
Sincerely,
[redacted]
Tell us why here... March 7, 2016 Revdex.com Re: [redacted] [redacted] To Whom It May Concern: We have received your letter...
dated February 17, 2016 and appreciate the opportunity to respond to the concerns of the consumer. On August 29, 2014 based on financial information obtained verbally, the consumer agreed to make payments toward the rehabilitation program. To qualify to have loans rehabilitated the payment amount needed to be validated with documentation and the consumer needed to make nine qualifying payments over a ten month period and continue to make monthly payments until being notified of successful rehabilitation. The consumer authorized payments through May 15, 2015. Throughout the months after agreeing to rehabilitate Van Ru sent several letters and placed phone calls to obtain the necessary paperwork to validate the payments. All authorized payments were run as agreed however we could not continue to take payments beyond May 15, 2015 as we had no authorization to do so and were not successful in contacting the consumer to obtain additional payments or the paperwork to validate the payment amount. On October 27, 2015, five months after the last payment had been made we received documentation however the consumer had already fallen out of compliance with the program. On February 11, 2016 the consumer contacted our office concerned over the lack of follow up on our behalf. We explained that at the time the paperwork was received the account was no longer in compliance with the program. When pressed with questions concerning our alleged lack of follow up our representative explained that attempts were made to keep the account in compliance with the program however we did not receive responses from the consumer to letters and calls. Our review did not identify where the representative was rude or pushy with the consumer however they were not in agreement on the way the matter could have been handled which may have been perceived as rude. We regret any misunderstanding that occurred during the conversation on February 11, 2016. As the consumer has requested not to work with Van Ru we have placed the account on hold and will request the account be recalled by our client. Should you have any additional questions or concerns, please contact me at [redacted] Sincerely, [redacted] Corporate Compliance Manager Van Ru Credit Corporation This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.