MSW Capital

Re: *** Revdex.com Case: *** MSW Ref #:***-***-***Dear Mr.: We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. You stated that you received two phone numbers for MSW Capital, LLC and both were automated systems that never connect to a live person in an effort to resolve a judgment against you. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. Your judgment was entered by ***. They have since closed their business. MSW Capital does not deal directly with consumers. In response to this complaint, MSW Capital, LLC has reached out to you on Thursday, February 27, 2020 by telephone in an attempt to settle this matter and satisfy the judgment. You can reach MSW Capital directly at . Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely, Krystal N General Counsel MSW Capital, LLC

Dear Ms.: We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number*** and have finished our review. You stated that MSW Capital, LLC did not respond to phone calls and have a lien on your vehicle. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. Your *** account is being handled by the law firm of *** in the state of Florida. Suit was filed on this account in March of 2017. The current balance due on the account is $2,960.34. Per your agreement with *** you listed a 2013 Chevrolet Cruz as collateral in which we are the second lien holder. This lien was placed on your vehicle by *** as a result of your agreement and cannot be removed until the balance has been paid in full. If you would like to resolve this matter you may reach out to *** and reference the case number above. You can reach the firm directly at . Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely, Krystal N General Counsel MSW Capital, LLC

December 23, 2019 Re: *** Revdex.com Case: *** MSW Ref #: none Dear Ms.: We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. You stated that MSW Capital, LLC has been taking unauthorized bank drafts from your bank account. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. MSW Capital, LLC does not take payments from consumers at any time. Upon looking up your name and information I have been provided, I am not able to locate any account that we own for a ***. Could this possible be under a different last name? Please provide additional information so that we can look into this matter further. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely, Krystal N.. General Counsel MSW Capital, LLC

has We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. You stated that MSW ***, LLC did not release a judgment from this account. MSW ***, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW ***, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. Your *** account was being handled by the law firm of *** & *** who originally obtained the judgment. This law firm has since closed and we have substituted a law firm *** & *** to finish up matters in ***. You paid this account off on October 30, 2019. We sent an email the next day for the new firm to satisfy the judgment. I have reached out again today to confirm this has been completed. In response to your claim that MSW ***, LLC did not report correctly to the CBR agencies this is not true. MSW ***, does not report to any of the *** bureaus at all. We do not place any tradelines on your *** bureaus and only the originating company or the CBR’s themselves can make changes (additions, deletions or modifications), so therefore there is nothing for us to update, nor for our law firm. Neither *** of us can because we didn’t place the tradeline there. You may be referencing a tradeline showing that was placed on your CBR by the originating company with which you signed up for the card; we have no control over and that tradeline would have stopped updating on your CBR when that account/trade was sold. As an option, it’s possible to use your settled letter as well as this notification from MSW *** showing the debt has been paid and to present that to each of your *** bureau reports in the hopes that they will update/delete the trade. Again, we have no control over this since it can only be updated by the original issuer of the trade or the CBR’s themselves. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW ***, LLC a chance to review this matter for you. Sincerely, Krystal N...General Counsel MSW ***, LLC

May 13th, 2019 Re: *** Revdex.com Case: *** MSW Ref #: ***: We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. In response to your claim that MSW Capital was not getting back in touch with you we sincerely apologize for this as we expected our collection agency who handled your account to get back in touch with you. We had not, until the date of your letter, been contacted directly in reference to this claim/issue. You also referenced the phone number you had been transferred to was stating you had been entered into some type of sweepstakes. In our review, the collection agency that was handling your account has closed their doors and the phone number had been given back out to a new company, unbeknownst to us. We apologize for this happening and you not being able to then contact our company to resolve. To resolve directly with MSW Capital, I will provide you a specific contact (Jen S) and she can be reached at *** and her extension is *** Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you and hopefully assist you moving forward. Sincerely, Michael K Chief Operating Officer MSW Capital, LLC

March 13th, 2019 R *** Revdex.com Case: *** MSW Ref #: *** We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. In response to your claim that MSW Capital was not getting back in touch with you we sincerely apologize for this as we expected our collection law firm who handled your account to get back in touch with you. We had not, until the date of your letter, been contacted directly in reference to this claim/issue. We contacted our law firm and they confirmed you filed Bankruptcy back in Dec 2017; however, they do not show any avoidance of lien filed along with the bankruptcy or with the court. Due to your filing of Bankruptcy we are no longer actively collecting on this debt and haven’t been since the BKO was filed. If you have your avoidance of lien paperwork that was filed at time of the bankruptcy, please send that back in to us so we have this for our records. You asked for a copy of your title in your letter to the Revdex.com. We do not show that we were sent your title by *** Finance. It’s possible there was a first lienholder for this debt and they were waiting on payment before sending the actual title on to *** Finance. We will need to wait for our law firm to confirm whether or not this paperwork was filed to avoid the lien; however, even if that paperwork was filed, we can’t send you the title because we aren’t in possession of it. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely

We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. In response to your claim that MSW Capital was not getting back in touch with you we sincerely apologize for this as we expected our collection law firm who handled your account to get back in touch with you. We had not, until the date of your letter, been contacted in reference to this claim/issue. We contacted our law firm and they confirmed you filed Bankruptcy back in 2012; however, they do not show any avoidance of lien filed along with the bankruptcy or with the court. We have asked them to rereview and ensure there is no avoidance of lien paperwork filed. As per our discussion the judgment was able to go through and thus the lien. MSW Capital, LLC can not release the lien at this time. To be clear, we are no longer actively collecting/pursing this account due to your bankruptcy. We will need to wait for our law firm to confirm whether or not this paperwork was filed. We have been in contact with them now so you’re welcome to give them a call back as well for the most recent update. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you.

October 16th, 2018 Re: *** Revdex.com Case: *** MSW Ref #***: We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. In response to your claim that MSW Capital was not getting back in touch with you we sincerely apologize for this as we expected our collection agency who handled your account to get back in touch with you. We contacted our collection agency and they confirmed this account was settled back in 2016 for $672.50. In review of our records, I show that we have sent 3 MSW lien satisfaction notifications out. Two of these notifications appear to have been sent out to your address; however, one was sent directly to a Mariner branch. It’s possible you may have contacted Mariner for this letter/notification or may have stopped by in person. We confirmed to Mariner this account was settled and no longer a viable account (meaning closed). In reference to any tradelines showing on your credit bureaus and your car title. We are not in possession of your car title. Our notes indicate this was not received from the original creditor (Security Financial Services / Mariner Finance). It is possible it could have been an electronic lien but only the original lienholder could release that and we are not the original lienholder; however, we can provide another MSW lien satisfaction letter showing this was paid. Similar to the lien, MSW Capital did not place any tradelines on any of your credit bureaus. If there are tradelines on your credit bureaus from either Mariner or Security Financial Services only that company could remove/update that tradeline. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely, MSW Capital, LLC

July 25th, 2018 Re: *** Revdex.com Case*** Ref #: 5*** Dear *** We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. You stated that MSW Capital, LLC did not report to the credit bureau reporting agencies correctly. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. Your *** Credit card was being handled by the law firm of David Gr, P.C. in August of 2015 and which you paid to settle your account in 2015 MSW Capital, LLC does show your account was settled completely in September 2015 with 1 payment of $1,350 made to David Gr’s firm. In response to your claim that MSW Capital, LLC did not report correctly to the CBR agencies this is not true. MSW Capital, does not report to any of the credit bureaus at all. We do not place any tradelines on your credit bureaus and only the originating company or the CBR’s themselves can make changes (additions, deletions or modifications), so therefore there is nothing for us to update, nor for our law firm. Neither one of us can because we didn’t place the tradeline there. You may be referencing a tradeline showing that was placed on your CBR by the originating company with which you signed up for the card; we have no control over and that tradeline would have stopped updating on your CBR when that account/trade was sold. As an option, it’s possible to use your settled letter from Mr. Gr as well as this notification from MSW Capital showing the debt has been paid and to present that to each of your credit bureau reports in the hopes that they will update/delete the trade. Again, we have no control over this since it can only be updated by the original issuer of the trade or the CBR’s themselves. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely

July 25th, 2018 Re: *** Revdex.com Case: *** MSW Ref #: *** Dear *** We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. In response to your claim that MSW Capital was not getting back in touch with you I believe that has now been resolved. We contacted our collection agency who had coordinated arrangements with your mother to confirm arrangements and we created a lien satisfaction letter as the client and mailed that off to you. To confirm, we previously sent a letter to the address we had on the account and have now mailed you off a copy as well. MSW Capital, LLC offers our condolences to you as well during this difficult time. I also reviewed the account documentation and show that we do not physically have any title for this vehicle so it is possible that another lien was previously placed on the vehicle by another company, meaning that someone else, other than MSW Capital, LLC could still hold the title for the car. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely, Michael K Chief Operating Officer MSW Capital, LLC

February 13th, 2018 Re*** Revdex.com Case: *** MSW Ref #*** Dear *** We are in receipt of your correspondence from the Revdex.com, Revdex.com Case Number *** and have finished our review. You stated that MSW Capital, LLC did not report to the credit bureau reporting agencies correctly. MSW Capital, LLC is a passive debt-buying company meaning that we purchase charged off accounts and outsource the collection effort to our collection agencies and/or law firms. MSW Capital, LLC does not make active collection attempts as we are represented by our servicer (either law firm or agency) who handles representation. Your Credit One Credit card was purchased on August 15th, 2013 and was placed with *** that same month. MSW Capital, LLC does show your account was paid in full completely to *** in March 2014. In response to your claim that MSW Capital, LLC did not report correctly to the credit bureau agencies, this is not true. MSW Capital, does not report to the credit bureaus at all. We do not place any tradelines on your credit bureaus and only the originating company or the Credit Bureaus themselves can make changes (additions, deletions or modifications), so therefore there is nothing for us to update. You may be referencing a tradeline showing that was placed on your credit bureau by the originating company with which you signed up for the card; we have no control over that tradeline and it would have stopped updating on your credit bureau when the tradeline was sold. As an option, it’s possible to use your paid in full letter from *** Group as well as this notification from MSW Capital showing the debt has been paid and to present that to each of your credit bureau reports in the hopes that they will update/delete the tradeline. Again, we have no control over this since it can only be updated by the original issuer of the tradeline or the Credit Bureaus themselves. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the Revdex.com and allowing MSW Capital, LLC a chance to review this matter for you. Sincerely, Michael K Chief Operating Officer MSW Capital, LLC