Montclair Physical Therapy, Inc.

11/23/11: The Complainant (*** ***)'s account was assigned to our office (Metro Collection Service Inc) by our client - *** *** *** ***The balance of the account assigned to our office was $1,480.00, due to delinquent rent and cleaning fees for an apartment leased by the
Complainant (copy attached)11/23/11: A Validation letter (copy attached) was sent to the Complainant at the last known address (*** ** *** *** *** *** *** ** ***) given to our client - *** *** *** ***12/13/11: Our office received a Postal Change of Address as to the Complainant, advising his new address was *** ** *** *** *** *** *** ** *** - the original Validation letter was forwarded to this new address02/28/12: Our Collector received a telephone call from the ComplainantCollector verified she was speaking to the Complainant, and quote the mini-mirandaShe explained the account to the Complainant, he said does not owe this balance to our clientOur Collector advised that she would mail a copy of the documents of the account to him todayThe Complainant hung up the telephone on our Collector02/28/12: Sent letter (copy attached) with copy of documents making up the debt11/23/15: No contact from the Complainant for several monthsLocated new address for Complainant of *** ** *** *** *** *** *** ** ***, sent Validation letter (copy attached) to this new address09/01/17: Complainant called from new telephone number, Collector quoted mini-mirandaHe refused current address, but said he would send us a letter09/13/17: Our office received a dispute letter from the Complainant09/14/17: Sent letter and copy of debt documents to the Complainant at the *** ** *** *** *** *** *** ** *** address(Copy attached)10/11/17: Complainant filed complaint with the Revdex.com, requesting that our office immediately remove this debt from his credit report10/11/17: Submitted an online AUD through *** to delete the Complainant's account from his credit bureau reportAlso submitted a 2nd AUD through *** to delete a 2nd account (that was assigned to our office by a different client)Both accounts were deleted from the Complainant's credit file(Copy attached)SUMMARY: Complainant's account with our office was Validated (see above), and documents regarding the debt were sent to himMetro Collection Service Inc is a licensed (No #***) Collection Company in the State of *** for the past years, and is in good standingThe Complainant's accounts with our agency were deleted from his credit report (see above)

Complaint: ***
I am rejecting this response because:
It is full of inaccurate information
Sincerely,
*** ***

We do not make copies of each letter sent at the time that we send themThe letters attached are computer generated, with the exact same wording as the original letters sent to the complainantI have inserted the date sent and letter numberIn additional, I have enclosed a Debtor Listing Sheet
which refers to all calls, letters, and contact made with the complainantThis account was assigned to us 02/04/We mailed the consumer a validation notice (Letter#1) that same day to the address that was provided to us by *** *** *** *** ** *** *** *** *** *** *** This letter was returned by the postal service on 03/10/"Box Closed" From 09/- 8/we made attempts to locate complaintantOctober 6, October 11, and October 19, complaintant disputed with *** *** and ***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 accountNovember 16, 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 dueMetro Collection Service has submitted a universal data form with *** *** and *** 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 debtMetro Collection Service does not purchase debtThis account was assigned to us for the purpose of collectionI want to reiterate we did not purchase the debt

*** *** - DENVER Revdex.com: Please accept our apologies for the delay in answering this complaint. We anticipated receiving a new "link" so that we could respond to the complaint, but per your email, we are responding to the complaint by email directly to you. Once again, our
apologies for the delay. Please review our previous record of responding to all Revdex.com complaints, I don’t think we have ever been late with our responses. Our response to this complaint is as follows: 06/22/17: The Complainant (*** *** ***)'s account was assigned to our office (Metro Collection Service Inc) by our client - *** *** *** Incfor $535.93. A Validation letter was sent to the last known address on the same day. 07/12/17: Our office received a change of address notification from the U.SPostal service. We updated the Complainant's address - original Validation letter was forwarded to the new address. 07/20/17: No response from Complainant, sent a 2nd Validation letter to the new address. 11/01/17: Our Collector J*** received a voice mail call from a person calling for the Complainant saying he wants a call back, wants to pay the account. Collector J*** attempted to call this number with no response. 11/27/17: Our Collector J*** received an incoming call from the Complainant. Collector J*** stated the minimiranda. Complainant gave permission for Collector J*** to speak to *** ***. *** *** got on the phone (Collector J*** stated the minimiranda), and gave Collector J*** permission to leave messages on her phone number if any problems with the payment of the account or the check. *** *** authorized a check by phone to pay off the account for $554.48. 11/29/17: Manager Matt S*** received an email from *** *** saying: "Hello, here is the requested document showing full payment for the referenced account. Please provide clearance document via email, from ***d.***@yahoo.com. Thanks, ***" 11/29/17: Manager Matt S*** emailed a paid-in-full letter (copy attached) to *** *** at ***d***@yahoo.com. SUMMARY: We record all of our incoming and outgoing calls by all of our employees and management. We have listened to the call from the Complainant and her interpreter - *** *** on 11/27/at 3:02pm. The call was handled very professionally by Collector J***, and the phone payment transaction was completed using *** *** checking accountThe Complainant's account was paid in full by *** ***. The Complainant did not have any conversation with our Collector J***, since she apparently cannot speak English, and our Collector J*** cannot speak Spanish. We have no record of any call by the Complainant to Manager Matt S***. We have deleted the Complainant's account from all credit bureaus per our AUD control number *** (copy attached). The account is paid in full, and we consider the matter closed. Thank you. Matthew S***, Manager

Tell us why here...04/07/15: The Complainant (*** ***)'s account was assigned to our office (Metro Collection Service Inc) by our client - *** *** *** *** * *** for $7,A Validation letter (copy attached) was sent to the last known address of the Complainant
on the same day09-03-15: The Complainant called our office and spoke to our CollectorOur Collector verified the last four digits of his Social Security number (agrees with information sent to us by our client), and stated the mini-miranda to the ComplainantOur Collector updated the Complainant's address, and discussed the debtComplainant stated that he felt balance was wrong, and too highOur Collector said will mail copy of documents to him, and asked that if he disputes the balance, to send us a dispute letterDocuments and cover letter (copy attached) were mailed to the Complainant the same day11-15-17: Complaintant changed addresses several times, and made no payments on the accountOn this date, we received a long dispute letter (copy attached) from the Complainant, but still no payments offered or made to reduce the balanceHe also requested once again a copy of the documents to the contract11-16-17: Sent copies of all supporting documents along with another Validation letter (copy attached) and a cover letter for the documents (copy attached) to the Complainants new address in Aurora, CO.11-29-17: Complainant sent letter to our office stating that this debt is a result of Identity TheftHe also attached a police report filed with the Aurora, CO police department on 10-23-11-29-17: Our office submitted and AUD (copy attached) online through E-OSCAR to delete the Complainant's account from all credit bureausControl #***12-13-17: A man called our office (blocked ID) claiming to be the ComplainantHe refused to verify the last four digits of his SSN or his date of birthOur Collector told him if we cannot verify who he is speaking with, than we cannot discuss the account with himThe man said if he doesn't get a letter from us by tomorrow, he will follow through with what he put in his letterOur Collector ended the call12-15-17: Manager *** reviewed the account and sent a Summons & Complaint to our Attorney *** *** *** for attorney's signatureCourt return date of 2/26/in Arapahoe County CourtSUMMARY: The Complainant confirmed that this was his account in the telephone conversation with our Collector on 9/3/His social security number matched the number given to us by our clientThe Complainant only complained that the balance was too highWe are a licensed (by the State of Colorado) collection agency, and have full authority to accept properly assigned accounts from our clients, and pursue collection of any balance dueThe Complainant may need to consult an attorney to discuss the debt, and how to get it settledWe have turned the matter over to our Attorney, and the Complainant certainly may answer our Summons, and state his case in Court for the Judge to decideWe have deleted the Complainant's account at all credit bureaus as noted above on 11-29-

The Complainant (*** ** ***)'s account was assigned to our office (Metro Collection Service Inc) on 02/27/for $2,by our client - *** *** ***. A Validation Letter was sent to the Complainant on the same day to the address provided by our client. 3/15/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/Our office submitted and online AUD through E-OSCAR to delete this account from the Credit Bureau report of the Complainant. 6/13/Our Office Manager (*** ***) spoke with our client (*** *** ***). Client *** of *** *** *** confirmed that the debt has never been paid by the Complainant, or by any insurance company. The debt remains due and owing to *** *** ***. 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 cameAs long as it is removed I will accept this response
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

9/30/15: The Complainant (*** ***)'s account was assigned to our office (Metro Collection Service Inc) by our client - *** *** Apts III % Fairfield on 9/30/for $A Validation letter (copy attached) was sent to the last known address of the Complainant on the same day
10/19/15: We received a change of address card indicating a new address for the ComplainantThe original Validation letter was forwarded to the new addressOur Collector made several attempts to reach the Complainant by telephone to no avail02-17-16: Our Collector contacted the Complainant by telephone, confirmed his identification, and quoted the mini-mirandaThe Complainant said could not talk because he was at work at the momentHe said "would give me a call back because he needs to take care of this"Collector thanked him and ended the callComplainant never returned the call, and has not contacted our office nor our client's office to dateHe has not paid anything on the debt to date05/25/17: We received an online ACDV from the credit bureauVerified that SSN and DOB of the Complainant match our recordsWe answered the ACDV showing his account as an unpaid disputed collection accountWe received a 2nd online ACDV on 8/8/17, and answered it the same way02-27-18: Our office submitted an AUD online through E-OSCAR to delete the Complainant's account from all credit bureaus (copy attached)AUD control #88403946.SUMMARY: The Complainant's account was assigned to our company by our client - *** *** Apts III % FairfieldThe account was assigned to our collection agency because the Complainant had made no attempt to pay the debtOur client was fully within their legal rights to assign the Complainant's account to our office, a licensed collection agency in ColoradoNo permission is needed from the Complainant to take such action, and no permission is needed from the Complainant for our office to attempt collection from him, or to report his account to the credit bureausInterest is added on to the account per Colorado state law at 8% APR until the account is paid in full (Paragraph of lease under "other remedies, allows interest of 18% APR on a delinquent balance)The balance remains due and owing

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]

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]

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.

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] [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.