Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted], this shall serve as our official response. In Mrs. [redacted]’s complaint, she alleges our company is claiming that a debt that is well past 7 years old is a new debt as of November 2017. We have conducted a thorough...
investigation into this matter. We have determined that our office has not violated any state or federal laws. However, as an act of kindness, we have removed the account from Mrs. [redacted]’s credit. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
Dear CFPB and Revdex.com: Thank you for forwarding the complaints regarding Mrs. [redacted] which were both filed on June 12, 2017. This shall serve as our official response. In Mrs. [redacted]’s complaint, she alleges to have mailed validation requests to our office that included a cease and desist request....
Mrs. [redacted] then alleges we ignored her requests, ignored her CFPB complaint, and we are in violation of multiple laws including The Fair Debt Collection Practices Act (FDCPA), The Fair Credit Reporting Act (FCRA), and Health Insurance Portability and Accountability Act (HIPAA). We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter. Mrs. [redacted] has filed three online disputes regarding her account in our office. The original creditor is Crest Financial Services and the debt is for a furniture lease. The disputes were responded to the credit bureaus in a timely and accurate fashion on May 19th, 2017, June 9th, 2017, and June 13th, 2017. Our office also received a written dispute from Mrs. [redacted] on June 2nd, 2017. In Mrs. [redacted]’s letter, she alleged that we have reported an account to her credit report and that we are unable to validate her debt. Mrs. [redacted] then requested to have the account removed from her credit, and attached a letter written by someone else in 1997 that discussed collection laws. Mrs. [redacted]’s letter did not request a cease communication; it actually requested a response from our office. Under The Fair Credit Reporting act Section 615(b)(2)(ii),our office is required to investigate and then respond within 30 days to a written dispute or request received by our office. Since Mrs. [redacted]’s letter was received on June 2nd, 2017 our office actually has until July 2nd, 2017 to respond. We have concluded Mrs. [redacted]’s dispute to be unfounded and the allegation that we will not validate her debt is false. We have attached validation to this response and will also mail it to Mrs. [redacted]. Our office is now aware Mrs. [redacted] would like a cease communication, we will respect that request, and our response will be for the limited purpose of validating her debt and informing her of the results of our investigation. Our office would like to point out that we did not ignore Mrs. [redacted]’s requests and we did not ignore her CFPB Complaint. We have responded in a timely fashion and we are more than willing to work on a resolution. As a gesture of good faith, we have removed the account from Mrs. [redacted]’s credit report and would like to offer Mrs. [redacted] a settlement offer of 75%, $1,050.09. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
January 17, 2017 Revdex.com 3703 W 6200 S Salt Lake City, UT 84129 RE: Complaint of [redacted] Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted]. We have done a thorough investigation and analysis into this matter. We have...
concluded that all of our conduct was appropriate and that we have not violated any state or federal laws. However, as an act of kindness, we have decided to cancel the accounts, write off all the balances, and we are no longer collecting either of them. We have attached proof of the credit deletions as well as cancellation notices. We believe this shall resolve the matter, but if you have any further questions please contact our office. Sincerely, The Complaint Response Team at North American Recovery.
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]
Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted], this shall serve as our official response. In Mrs. [redacted]’ complaint, she alleges that we have called at all hours of the day and we will not leave a voicemail. Mrs. [redacted] claims we then called her neighbors, that it is not...
right, and she is unsure if that is illegal. Mrs. [redacted] says that she emailed us asking about her account and asked us not to contact her neighbors, but did not hear back. Mrs. [redacted] claims that she is angry, embarrassed, and does not understand how we got her neighbor’s information. Lastly, Mrs. [redacted] claims this is unethical. We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter. We sent Mrs. [redacted] a first notice on May 23rd, 2017, but unfortunately we received no response. We then attempted to call Mrs. [redacted] on July 7th, 2017 at 12:44 P.M. We were unable to speak with Mrs. [redacted], because she did not answer. We then called a neighbor on July 7th, 2017 at 12:52 PM in an attempt to confirm we had the correct information for Mrs. [redacted]. We obtained her neighbor’s information through an information database similar to white pages. The neighbor asked for their number to be removed and informed us she would have Mrs. [redacted]’ call us back. We have added that phone number to our do not call list and we have not attempted to call that number since that request was made. We then received a missed call from Mrs. [redacted] on July 7th, 2017 at 1:01 PM. We returned Mrs. [redacted]’ call at 1:36 PM. Mrs. [redacted] was upset that we called her neighbor and claimed it was illegal. Our representative informed her it is not against the law, because she did not divulge private information. Mrs. [redacted] did not send us an email, that allegation was false. Instead Mrs. [redacted] provided her email information and agreed to pay her account. All communication that was made regarding Mrs. [redacted]’ account were attempts to contact Mrs. [redacted] or confirm that we have the correct information. We did not divulge any private information to third parties. Our office can assure Mrs. [redacted] that we will honor her request that we not call her anymore. Our office would like to inform Mrs. [redacted] that we will not call her neighbor anymore, because her neighbor also made the same request. Our office respects “no call” requests when they are made by the owner of the phone number. We would also like to inform Mrs. [redacted] that we did not make phone calls to anyone after they asked not to be called anymore. We consider this to be a closed issue and trust this will be forwarded to the correct department for review. Sincerely, The Complaint Response Team at North American Recovery
Dear CFPB and Revdex.com: Thank you for forwarding the complaints of Mr. [redacted], this shall serve as our official response. In Mr. [redacted]’s complaints, he alleges that he did not have a contract and did not receive services from our company. Mr. [redacted] alleges that we reported the account against his...
credit and that he requested validation of the debt without receiving a response. Mr. [redacted] then alleges that we are in violation of the Fair Credit Reporting Act. Lastly, Mr. [redacted] alleges that we do not have the right to collect debts in the state of Arizona. We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter. Mr. [redacted] has an account assigned to our office, because he failed to pay the original creditor, our client, in a timely fashion. The original creditor that provided services to Mr. [redacted] is Crest Financial Services LLC. Our office sent Mr. [redacted] a first notice on February 17th, 2017 and reported against his credit on March 24th, 2017. Our office did in fact receive a written dispute from Mr. [redacted] on June 27th, 2017. Under The Fair Credit Reporting Act, our office actually has thirty days to investigate and then respond to written disputes received from consumers, thus creating a deadline of July 27th, 2017. That is why Mr. [redacted] had not received a response from our office yet. We would like to make it very clear to Mr. [redacted] that our company operates within the scope of all state and federal laws. We confirm that we are able to rightfully collect debts in the state of Arizona. We have concluded that Mr. [redacted]’s dispute is unfounded and his allegations are false. We have attached validation to this response and we will also mail validation with the results of our investigation via United States Postal Service. Our office is aware Mr. [redacted] would like a cease communication, we will respect that request, and our response will be for the limited purpose of validating his debt and informing him of the results of our investigation. As a gesture of good faith, we would like to offer Mr. [redacted] a settlement offer of 50%, $798.69. Our settlement offer is good until August, 21ST and we encourage him to make payment via our secure website, https://www.paynar.com//. As an act of kindness, we will delete the account from Mr. [redacted]’s credit report. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted], this shall serve as our official response. In Mrs. [redacted]’s complaint, she claims we are not providing her with what she has requested, we have called her and asked her to pay the debt, and we will not listen. Mrs. [redacted]...
claims we have noted her dispute as frivolous without due diligence and investigating. Mrs. [redacted] would like things handled accurately, correctly, and wants us to communicate effectively and provide accurate up to date information with her. We have conducted a thorough investigation into this matter and have decided to cancel the account in our office. We understand these situations can be emotionally charged and we apologize for any frustration that Mrs. [redacted] may have experienced. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
Complaint: [redacted]
I am rejecting this response because: I have requested and been told twice that the phone call would be attached but it has not been provided. In order for you to accept a letter with my signature from a Debt Consolidation company you would have to have had a prior authorization form that was signed by me. I have attached a legal document showing that signature is not mine. I would also like to know if your company owns the debt or if you are collecting on behalf of the company.
Sincerely,
[redacted]
ood Morning, My name is Marcus L[redacted], I am The Complaint Response Coordinator at N.A.R., Inc. dba North American Recovery. Our office did not receive the complaint notification for complaint [redacted]. Our IT company blocked the email from being received thus preventing us from responding, we...
have made changes to make sure that won’t happen again. It is our policy to respond to all complaints made against our office. I spoke with a representative at The Revdex.com and she informed me that if we make a written request, the file could be re opened and we would be sent a new link and opportunity to respond. We would like to request that opportunity and also request a chance to rectify any changes of status that may have occurred with our relationship with the Revdex.com. Thank you, Marcus L[redacted]Legal Action CoordinatorOffice: (801) 364-0777www.North-American-Recovery.com Connect with us:Facebook | LinkedIn | Mazree | Our Video Please consider the environment before printing this e-mail. The contents of this e-mail message and any attachments are intended only for the individuals or entities to which it is addressed. This may contain information that is privileged and/or confidential. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. If you are not the intended recipient, do not copy, distribute or disseminate this email or its contents. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Complaint: [redacted]
I am rejecting this response because:I was provided no goods or services from North American Recovery, and have no contract with this collection agency.
Sincerely,
[redacted]
Dispute
Counselor
RevDex.com of Utah
5673 South
Redwood Road #22
Salt Lake
City, Utah 84123
Re: Complaint of Leo M[redacted]
Thank you for forwarding the complaint of Leo M[redacted]. I have
conducted a thorough investigation of this complaint, which, among...
other
things, included listening to every phone call in reference to this matter and
reviewing our account activity notes. I have concluded we have done nothing
wrong and North American Recovery denies all allegations of misconduct found in
this complaint.
In his complaint, Mr. M[redacted] states that we informed him if
the account wasn’t paid it would go to our attorney’s office, which was true.
Our representative also informed him of fees that could accrue and that there
was the possibility of getting garnished if it goes unpaid. Mr. M[redacted] stated
that he could not pay anything because of other debt obligations that he had. Our
representative then informed him that his account would be sent to our attorneys
because he did not attempt to pay it. He then said, “Okay. Sounds good.” and
the call was ended.
Later that day, Mr. M[redacted] called back in with his
girlfriend Rachael W[redacted]. After receiving permission to speak with her, they
asked if there were any settlement offers or payment options. Our representative
informed them that the account had already been set up to go to our attorney’s
office per the previous conversation with Mr. M[redacted]. At that point, only
payment-in-full would have prevented the account from moving forward to our
attorney’s office.
In his complaint, he also states they never received any
notification of the debt prior. We did send Mr. M[redacted] a letter on May 1st,
2015 notifying him of the debt. There notice was not returned to our office. He
states our representative stated that the notice sent on that day was returned.
We never stated that. Mr. M[redacted] verified the address we had was correct and
that he had, in fact, not moved.
Mr. M[redacted] also states that he did not receive any phone
calls regarding his bill. We attempted to call Mr. M[redacted] on three separate occasions
prior to sending the account to our attorney’s office the first time. After we
received the unserved summons from our first attempt at a lawsuit, we called
again and were able to communicate with him.
In conclusion, we stand by the fact that we have done
nothing wrong and have followed all laws and company procedures. However, we
are more than happy to set up an agreeable payment arrangement with Mr. M[redacted].
He can contact our office at [redacted] and speak to Justin S[redacted], our Vice
President of Collections.
Thank you for your help on this matter. Please let me know
if you have any further questions or if you are in need of anything else.
Sincerely,
Bryce P[redacted]Vice President, Operations & Compliance
Dear Revdex.com: Thank you for forwarding the complaint of Mr. [redacted], this shall serve as our official response. In Mr. [redacted]’ complaint, he alleges that he was never made aware of any contract between our company and himself. Mr. [redacted] also alleges the account does not belong to...
him. We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter.Mr. [redacted] has an account assigned to our office, because he failed to pay the original creditor, our client, in a timely fashion. The original creditor that provided services to Mr. [redacted] is Crest Financial Services LLC. Since obtaining this complaint, our office has obtained an agreement signed by Mr. [redacted]. We have attached the signed agreement along with an itemized statement showing the charges that Mr. [redacted] neglected to pay our client. Based on our investigation, we have determined that Mr. [redacted]’ allegations are false and untrue. North American Recovery prides itself in having a stellar reputation that has been built over 25 years of business. We have been an honest and fair member of the business community. We expect Mr. [redacted] to apologize for his false statements and remit a letter of apology to our office. We also respectfully expect the Revdex.com to delete this complaint from their website due to the fact that these allegations are false and untrue; they fall under the conditions of liable. Please, let us know at your earliest convenience that his has taken place and we look forward to the letter of apology from Mr. [redacted]. Sincerely, The Complaint Response Team at North American Recovery
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]
Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted], this shall serve as our official response. In Mrs. [redacted]’s complaint, she alleges our company is claiming that a debt that is well past 7 years old is a new debt as of November 2017. We have conducted a thorough...
investigation into this matter. We have determined that our office has not violated any state or federal laws. However, as an act of kindness, we have removed the account from Mrs. [redacted]’s credit. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
Dear CFPB and Revdex.com: Thank you for forwarding the complaints regarding Mrs. [redacted] which were both filed on June 12, 2017. This shall serve as our official response. In Mrs. [redacted]’s complaint, she alleges to have mailed validation requests to our office that included a cease and desist request....
Mrs. [redacted] then alleges we ignored her requests, ignored her CFPB complaint, and we are in violation of multiple laws including The Fair Debt Collection Practices Act (FDCPA), The Fair Credit Reporting Act (FCRA), and Health Insurance Portability and Accountability Act (HIPAA). We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter. Mrs. [redacted] has filed three online disputes regarding her account in our office. The original creditor is Crest Financial Services and the debt is for a furniture lease. The disputes were responded to the credit bureaus in a timely and accurate fashion on May 19th, 2017, June 9th, 2017, and June 13th, 2017. Our office also received a written dispute from Mrs. [redacted] on June 2nd, 2017. In Mrs. [redacted]’s letter, she alleged that we have reported an account to her credit report and that we are unable to validate her debt. Mrs. [redacted] then requested to have the account removed from her credit, and attached a letter written by someone else in 1997 that discussed collection laws. Mrs. [redacted]’s letter did not request a cease communication; it actually requested a response from our office. Under The Fair Credit Reporting act Section 615(b)(2)(ii),our office is required to investigate and then respond within 30 days to a written dispute or request received by our office. Since Mrs. [redacted]’s letter was received on June 2nd, 2017 our office actually has until July 2nd, 2017 to respond. We have concluded Mrs. [redacted]’s dispute to be unfounded and the allegation that we will not validate her debt is false. We have attached validation to this response and will also mail it to Mrs. [redacted]. Our office is now aware Mrs. [redacted] would like a cease communication, we will respect that request, and our response will be for the limited purpose of validating her debt and informing her of the results of our investigation. Our office would like to point out that we did not ignore Mrs. [redacted]’s requests and we did not ignore her CFPB Complaint. We have responded in a timely fashion and we are more than willing to work on a resolution. As a gesture of good faith, we have removed the account from Mrs. [redacted]’s credit report and would like to offer Mrs. [redacted] a settlement offer of 75%, $1,050.09. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
January 17, 2017 Revdex.com 3703 W 6200 S Salt Lake City, UT 84129 RE: Complaint of [redacted] Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted]. We have done a thorough investigation and analysis into this matter. We have...
concluded that all of our conduct was appropriate and that we have not violated any state or federal laws. However, as an act of kindness, we have decided to cancel the accounts, write off all the balances, and we are no longer collecting either of them. We have attached proof of the credit deletions as well as cancellation notices. We believe this shall resolve the matter, but if you have any further questions please contact our office. Sincerely, The Complaint Response Team at North American Recovery.
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]
Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted], this shall serve as our official response. In Mrs. [redacted]’ complaint, she alleges that we have called at all hours of the day and we will not leave a voicemail. Mrs. [redacted] claims we then called her neighbors, that it is not...
right, and she is unsure if that is illegal. Mrs. [redacted] says that she emailed us asking about her account and asked us not to contact her neighbors, but did not hear back. Mrs. [redacted] claims that she is angry, embarrassed, and does not understand how we got her neighbor’s information. Lastly, Mrs. [redacted] claims this is unethical. We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter. We sent Mrs. [redacted] a first notice on May 23rd, 2017, but unfortunately we received no response. We then attempted to call Mrs. [redacted] on July 7th, 2017 at 12:44 P.M. We were unable to speak with Mrs. [redacted], because she did not answer. We then called a neighbor on July 7th, 2017 at 12:52 PM in an attempt to confirm we had the correct information for Mrs. [redacted]. We obtained her neighbor’s information through an information database similar to white pages. The neighbor asked for their number to be removed and informed us she would have Mrs. [redacted]’ call us back. We have added that phone number to our do not call list and we have not attempted to call that number since that request was made. We then received a missed call from Mrs. [redacted] on July 7th, 2017 at 1:01 PM. We returned Mrs. [redacted]’ call at 1:36 PM. Mrs. [redacted] was upset that we called her neighbor and claimed it was illegal. Our representative informed her it is not against the law, because she did not divulge private information. Mrs. [redacted] did not send us an email, that allegation was false. Instead Mrs. [redacted] provided her email information and agreed to pay her account. All communication that was made regarding Mrs. [redacted]’ account were attempts to contact Mrs. [redacted] or confirm that we have the correct information. We did not divulge any private information to third parties. Our office can assure Mrs. [redacted] that we will honor her request that we not call her anymore. Our office would like to inform Mrs. [redacted] that we will not call her neighbor anymore, because her neighbor also made the same request. Our office respects “no call” requests when they are made by the owner of the phone number. We would also like to inform Mrs. [redacted] that we did not make phone calls to anyone after they asked not to be called anymore. We consider this to be a closed issue and trust this will be forwarded to the correct department for review. Sincerely, The Complaint Response Team at North American Recovery
Dear CFPB and Revdex.com: Thank you for forwarding the complaints of Mr. [redacted], this shall serve as our official response. In Mr. [redacted]’s complaints, he alleges that he did not have a contract and did not receive services from our company. Mr. [redacted] alleges that we reported the account against his...
credit and that he requested validation of the debt without receiving a response. Mr. [redacted] then alleges that we are in violation of the Fair Credit Reporting Act. Lastly, Mr. [redacted] alleges that we do not have the right to collect debts in the state of Arizona. We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter. Mr. [redacted] has an account assigned to our office, because he failed to pay the original creditor, our client, in a timely fashion. The original creditor that provided services to Mr. [redacted] is Crest Financial Services LLC. Our office sent Mr. [redacted] a first notice on February 17th, 2017 and reported against his credit on March 24th, 2017. Our office did in fact receive a written dispute from Mr. [redacted] on June 27th, 2017. Under The Fair Credit Reporting Act, our office actually has thirty days to investigate and then respond to written disputes received from consumers, thus creating a deadline of July 27th, 2017. That is why Mr. [redacted] had not received a response from our office yet. We would like to make it very clear to Mr. [redacted] that our company operates within the scope of all state and federal laws. We confirm that we are able to rightfully collect debts in the state of Arizona. We have concluded that Mr. [redacted]’s dispute is unfounded and his allegations are false. We have attached validation to this response and we will also mail validation with the results of our investigation via United States Postal Service. Our office is aware Mr. [redacted] would like a cease communication, we will respect that request, and our response will be for the limited purpose of validating his debt and informing him of the results of our investigation. As a gesture of good faith, we would like to offer Mr. [redacted] a settlement offer of 50%, $798.69. Our settlement offer is good until August, 21ST and we encourage him to make payment via our secure website, https://www.paynar.com//. As an act of kindness, we will delete the account from Mr. [redacted]’s credit report. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
Dear Revdex.com: Thank you for forwarding the complaint of Mrs. [redacted], this shall serve as our official response. In Mrs. [redacted]’s complaint, she claims we are not providing her with what she has requested, we have called her and asked her to pay the debt, and we will not listen. Mrs. [redacted]...
claims we have noted her dispute as frivolous without due diligence and investigating. Mrs. [redacted] would like things handled accurately, correctly, and wants us to communicate effectively and provide accurate up to date information with her. We have conducted a thorough investigation into this matter and have decided to cancel the account in our office. We understand these situations can be emotionally charged and we apologize for any frustration that Mrs. [redacted] may have experienced. We now consider this to be a closed issue. Sincerely, The Complaint Response Team at North American Recovery
Complaint: [redacted]
I am rejecting this response because: I have requested and been told twice that the phone call would be attached but it has not been provided. In order for you to accept a letter with my signature from a Debt Consolidation company you would have to have had a prior authorization form that was signed by me. I have attached a legal document showing that signature is not mine. I would also like to know if your company owns the debt or if you are collecting on behalf of the company.
Sincerely,
[redacted]
ood Morning, My name is Marcus L[redacted], I am The Complaint Response Coordinator at N.A.R., Inc. dba North American Recovery. Our office did not receive the complaint notification for complaint [redacted]. Our IT company blocked the email from being received thus preventing us from responding, we...
have made changes to make sure that won’t happen again. It is our policy to respond to all complaints made against our office. I spoke with a representative at The Revdex.com and she informed me that if we make a written request, the file could be re opened and we would be sent a new link and opportunity to respond. We would like to request that opportunity and also request a chance to rectify any changes of status that may have occurred with our relationship with the Revdex.com. Thank you, Marcus L[redacted]Legal Action CoordinatorOffice: (801) 364-0777www.North-American-Recovery.com Connect with us:Facebook | LinkedIn | Mazree | Our Video Please consider the environment before printing this e-mail. The contents of this e-mail message and any attachments are intended only for the individuals or entities to which it is addressed. This may contain information that is privileged and/or confidential. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. If you are not the intended recipient, do not copy, distribute or disseminate this email or its contents. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Complaint: [redacted]
I am rejecting this response because:I was provided no goods or services from North American Recovery, and have no contract with this collection agency.
Sincerely,
[redacted]
Dispute
Counselor
RevDex.com of Utah
5673 South
Redwood Road #22
Salt Lake
City, Utah 84123
Re: Complaint of Leo M[redacted]
Thank you for forwarding the complaint of Leo M[redacted]. I have
conducted a thorough investigation of this complaint, which, among...
other
things, included listening to every phone call in reference to this matter and
reviewing our account activity notes. I have concluded we have done nothing
wrong and North American Recovery denies all allegations of misconduct found in
this complaint.
In his complaint, Mr. M[redacted] states that we informed him if
the account wasn’t paid it would go to our attorney’s office, which was true.
Our representative also informed him of fees that could accrue and that there
was the possibility of getting garnished if it goes unpaid. Mr. M[redacted] stated
that he could not pay anything because of other debt obligations that he had. Our
representative then informed him that his account would be sent to our attorneys
because he did not attempt to pay it. He then said, “Okay. Sounds good.” and
the call was ended.
Later that day, Mr. M[redacted] called back in with his
girlfriend Rachael W[redacted]. After receiving permission to speak with her, they
asked if there were any settlement offers or payment options. Our representative
informed them that the account had already been set up to go to our attorney’s
office per the previous conversation with Mr. M[redacted]. At that point, only
payment-in-full would have prevented the account from moving forward to our
attorney’s office.
In his complaint, he also states they never received any
notification of the debt prior. We did send Mr. M[redacted] a letter on May 1st,
2015 notifying him of the debt. There notice was not returned to our office. He
states our representative stated that the notice sent on that day was returned.
We never stated that. Mr. M[redacted] verified the address we had was correct and
that he had, in fact, not moved.
Mr. M[redacted] also states that he did not receive any phone
calls regarding his bill. We attempted to call Mr. M[redacted] on three separate occasions
prior to sending the account to our attorney’s office the first time. After we
received the unserved summons from our first attempt at a lawsuit, we called
again and were able to communicate with him.
In conclusion, we stand by the fact that we have done
nothing wrong and have followed all laws and company procedures. However, we
are more than happy to set up an agreeable payment arrangement with Mr. M[redacted].
He can contact our office at [redacted] and speak to Justin S[redacted], our Vice
President of Collections.
Thank you for your help on this matter. Please let me know
if you have any further questions or if you are in need of anything else.
Sincerely,
Bryce P[redacted]Vice President, Operations & Compliance
Dear Revdex.com: Thank you for forwarding the complaint of Mr. [redacted], this shall serve as our official response. In Mr. [redacted]’ complaint, he alleges that he was never made aware of any contract between our company and himself. Mr. [redacted] also alleges the account does not belong to...
him. We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter.Mr. [redacted] has an account assigned to our office, because he failed to pay the original creditor, our client, in a timely fashion. The original creditor that provided services to Mr. [redacted] is Crest Financial Services LLC. Since obtaining this complaint, our office has obtained an agreement signed by Mr. [redacted]. We have attached the signed agreement along with an itemized statement showing the charges that Mr. [redacted] neglected to pay our client. Based on our investigation, we have determined that Mr. [redacted]’ allegations are false and untrue. North American Recovery prides itself in having a stellar reputation that has been built over 25 years of business. We have been an honest and fair member of the business community. We expect Mr. [redacted] to apologize for his false statements and remit a letter of apology to our office. We also respectfully expect the Revdex.com to delete this complaint from their website due to the fact that these allegations are false and untrue; they fall under the conditions of liable. Please, let us know at your earliest convenience that his has taken place and we look forward to the letter of apology from Mr. [redacted]. Sincerely, The Complaint Response Team at North American Recovery
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]