Dear Revdex.com: Thank you for forwarding the complaint of Mrs [redacted] , this shall serve as our official responseIn Mrs [redacted] ’s complaint, she alleges that she does not have a contract with our office, she did not receive services from our office, and we have reported an account with the credit bureausNext Mrs [redacted] alleges to have requested verification of the debt, but our office did not respond with adequate documentsLastly, Mrs [redacted] alleges that our office is not a licensed collection agency in the state of FloridaMrs [redacted] claims that she is not obligated to pay, because we do not have an agreement nor have we provided adequate proofMrs [redacted] is requesting that we remove the negative report, cease communication, and remove her personal information We have conducted a thorough investigation into this matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matter Mrs [redacted] has an account assigned to our office, because she failed to pay the original creditor, our client, in a timely fashionThe original creditor that provided services to Mrs [redacted] is Crest Financial Services LLCOur office did receive a dispute from Mrs [redacted] on September 15th , Our office investigated Mrs [redacted] ’s dispute and responded with the results of our investigation and account details on September 21st, Since obtaining this complaint, our office has obtained a more detailed ledger and also an agreement signed by Mrs***We have attached those documents to this responseOur office would like to confirm that we are able to collect this debtWe are a completely legitimate collection agency and our address is West South Suite 410, West Valley City, UT We will respect Mrs [redacted] ’s request for a cease communication and we have added her number to our do not call listWe respectfully request that Mrs [redacted] fulfill her responsibility to pay this accountAs an act of kindness, we have deleted the account from Mrs [redacted] ’s credit reportWe now consider this complaint to be a closed issueSincerely, 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, This shall serve as our official responseIn Mrs***’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 matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matterMrs [redacted] has filed three online disputes regarding her account in our officeThe original creditor is Crest Financial Services and the debt is for a furniture leaseThe disputes were responded to the credit bureaus in a timely and accurate fashion on May 19th, 2017, June 9th, 2017, and June 13th, Our office also received a written dispute from Mrs [redacted] on June 2nd, In Mrs***’s letter, she alleged that we have reported an account to her credit report and that we are unable to validate her debtMrs [redacted] then requested to have the account removed from her credit, and attached a letter written by someone else in that discussed collection lawsMrs***’s letter did not request a cease communication; it actually requested a response from our officeUnder The Fair Credit Reporting act Section 615(b)(2)(ii),our office is required to investigate and then respond within days to a written dispute or request received by our officeSince Mrs***’s letter was received on June 2nd, our office actually has until July 2nd, to respondWe have concluded Mrs***’s dispute to be unfounded and the allegation that we will not validate her debt is falseWe have attached validation to this response and will also mail it to Mrs***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 investigationOur office would like to point out that we did not ignore Mrs***’s requests and we did not ignore her CFPB ComplaintWe 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***’s credit report and would like to offer Mrs [redacted] a settlement offer of 75%, $1,We now consider this to be a closed issueSincerely, 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 responseIn Mrs***’s complaint, she alleges our company is claiming that a debt that is well past years old is a new debt as of November We have conducted a thorough investigation into this matterWe have determined that our office has not violated any state or federal lawsHowever, as an act of kindness, we have removed the account from Mrs***’s creditWe now consider this to be a closed issue Sincerely, The Complaint Response Team at North American Recovery
Dispute Counselor RevDex.com of Utah South Redwood Road # Salt Lake City, Utah Re: Complaint of Leo M [redacted] Thank you for forwarding the complaint of Leo M***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 notesI have concluded we have done nothing wrong and North American Recovery denies all allegations of misconduct found in this complaint In his complaint, MrM [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 unpaidMrM [redacted] stated that he could not pay anything because of other debt obligations that he hadOur representative then informed him that his account would be sent to our attorneys because he did not attempt to pay itHe then said, “OkaySounds good.” and the call was ended Later that day, MrM [redacted] called back in with his girlfriend Rachael W***After receiving permission to speak with her, they asked if there were any settlement offers or payment optionsOur representative informed them that the account had already been set up to go to our attorney’s office per the previous conversation with MrM***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 priorWe did send MrM [redacted] a letter on May 1st, notifying him of the debtThere notice was not returned to our officeHe states our representative stated that the notice sent on that day was returned We never stated thatMrM [redacted] verified the address we had was correct and that he had, in fact, not moved MrM [redacted] also states that he did not receive any phone calls regarding his billWe attempted to call MrM [redacted] on three separate occasions prior to sending the account to our attorney’s office the first timeAfter 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 proceduresHowever, we are more than happy to set up an agreeable payment arrangement with MrM*** He can contact our office at [redacted] and speak to Justin S***, our Vice President of Collections Thank you for your help on this matterPlease 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 Mrs [redacted] ***, this shall serve as our official responseIn Mrs***’ complaint, she alleges that she does not have a contract with our office and is not liable for collection of this debt from Crest Financial Services LLCWe have conducted a thorough investigation into this matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matter Mrs [redacted] has an account assigned to our office, because she failed to pay the original creditor, our client, in a timely fashionOur office has obtained a detailed ledger and signed agreement by Mrs***, we have attached them to this responseOur conclusion from this investigation is that Mrs***’s complaint is invalid and unfoundedSincerely, 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 CFPB and Revdex.com: Thank you for forwarding the complaints of Mr [redacted] ***, this shall serve as our official responseIn Mr***’s complaints, he alleges that he did not have a contract and did not receive services from our companyMr [redacted] alleges that we reported the account against his credit and that he requested validation of the debt without receiving a responseMr [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 matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matterMr [redacted] has an account assigned to our office, because he failed to pay the original creditor, our client, in a timely fashionThe original creditor that provided services to Mr [redacted] is Crest Financial Services LLCOur office sent Mr [redacted] a first notice on February 17th, and reported against his credit on March 24th, Our office did in fact receive a written dispute from Mr [redacted] on June 27th, 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, That is why Mr [redacted] had not received a response from our office yetWe would like to make it very clear to Mr [redacted] that our company operates within the scope of all state and federal lawsWe confirm that we are able to rightfully collect debts in the state of ArizonaWe have concluded that Mr***’s dispute is unfounded and his allegations are falseWe have attached validation to this response and we will also mail validation with the results of our investigation via United States Postal ServiceOur 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 investigationAs a gesture of good faith, we would like to offer Mr [redacted] a settlement offer of 50%, $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***’s credit reportWe now consider this to be a closed issueSincerely, The Complaint Response Team at North American Recovery
January 17, Revdex.com W S Salt Lake City, UT 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 matterWe have concluded that all of our conduct was appropriate and that we have not violated any state or federal lawsHowever, 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 themWe 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
Dear Revdex.com: Thank you for forwarding the complaint of Mrs [redacted] , this shall serve as our official responseIn Mrs [redacted] ’s complaint, she alleges that she does not have a contract with our office, she did not receive services from our office, and we have reported an account with the credit bureausNext Mrs [redacted] alleges to have requested verification of the debt, but our office did not respond with adequate documentsLastly, Mrs [redacted] alleges that our office is not a licensed collection agency in the state of FloridaMrs [redacted] claims that she is not obligated to pay, because we do not have an agreement nor have we provided adequate proofMrs [redacted] is requesting that we remove the negative report, cease communication, and remove her personal information We have conducted a thorough investigation into this matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matter Mrs [redacted] has an account assigned to our office, because she failed to pay the original creditor, our client, in a timely fashionThe original creditor that provided services to Mrs [redacted] is Crest Financial Services LLCOur office did receive a dispute from Mrs [redacted] on September 15th , Our office investigated Mrs [redacted] ’s dispute and responded with the results of our investigation and account details on September 21st, Since obtaining this complaint, our office has obtained a more detailed ledger and also an agreement signed by Mrs***We have attached those documents to this responseOur office would like to confirm that we are able to collect this debtWe are a completely legitimate collection agency and our address is West South Suite 410, West Valley City, UT We will respect Mrs [redacted] ’s request for a cease communication and we have added her number to our do not call listWe respectfully request that Mrs [redacted] fulfill her responsibility to pay this accountAs an act of kindness, we have deleted the account from Mrs [redacted] ’s credit reportWe now consider this complaint to be a closed issueSincerely, 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, This shall serve as our official responseIn Mrs***’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 matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matterMrs [redacted] has filed three online disputes regarding her account in our officeThe original creditor is Crest Financial Services and the debt is for a furniture leaseThe disputes were responded to the credit bureaus in a timely and accurate fashion on May 19th, 2017, June 9th, 2017, and June 13th, Our office also received a written dispute from Mrs [redacted] on June 2nd, In Mrs***’s letter, she alleged that we have reported an account to her credit report and that we are unable to validate her debtMrs [redacted] then requested to have the account removed from her credit, and attached a letter written by someone else in that discussed collection lawsMrs***’s letter did not request a cease communication; it actually requested a response from our officeUnder The Fair Credit Reporting act Section 615(b)(2)(ii),our office is required to investigate and then respond within days to a written dispute or request received by our officeSince Mrs***’s letter was received on June 2nd, our office actually has until July 2nd, to respondWe have concluded Mrs***’s dispute to be unfounded and the allegation that we will not validate her debt is falseWe have attached validation to this response and will also mail it to Mrs***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 investigationOur office would like to point out that we did not ignore Mrs***’s requests and we did not ignore her CFPB ComplaintWe 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***’s credit report and would like to offer Mrs [redacted] a settlement offer of 75%, $1,We now consider this to be a closed issueSincerely, 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 responseIn Mrs***’s complaint, she alleges our company is claiming that a debt that is well past years old is a new debt as of November We have conducted a thorough investigation into this matterWe have determined that our office has not violated any state or federal lawsHowever, as an act of kindness, we have removed the account from Mrs***’s creditWe now consider this to be a closed issue Sincerely, The Complaint Response Team at North American Recovery
Dispute Counselor RevDex.com of Utah South Redwood Road # Salt Lake City, Utah Re: Complaint of Leo M [redacted] Thank you for forwarding the complaint of Leo M***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 notesI have concluded we have done nothing wrong and North American Recovery denies all allegations of misconduct found in this complaint In his complaint, MrM [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 unpaidMrM [redacted] stated that he could not pay anything because of other debt obligations that he hadOur representative then informed him that his account would be sent to our attorneys because he did not attempt to pay itHe then said, “OkaySounds good.” and the call was ended Later that day, MrM [redacted] called back in with his girlfriend Rachael W***After receiving permission to speak with her, they asked if there were any settlement offers or payment optionsOur representative informed them that the account had already been set up to go to our attorney’s office per the previous conversation with MrM***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 priorWe did send MrM [redacted] a letter on May 1st, notifying him of the debtThere notice was not returned to our officeHe states our representative stated that the notice sent on that day was returned We never stated thatMrM [redacted] verified the address we had was correct and that he had, in fact, not moved MrM [redacted] also states that he did not receive any phone calls regarding his billWe attempted to call MrM [redacted] on three separate occasions prior to sending the account to our attorney’s office the first timeAfter 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 proceduresHowever, we are more than happy to set up an agreeable payment arrangement with MrM*** He can contact our office at [redacted] and speak to Justin S***, our Vice President of Collections Thank you for your help on this matterPlease 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 Mrs [redacted] ***, this shall serve as our official responseIn Mrs***’ complaint, she alleges that she does not have a contract with our office and is not liable for collection of this debt from Crest Financial Services LLCWe have conducted a thorough investigation into this matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matter Mrs [redacted] has an account assigned to our office, because she failed to pay the original creditor, our client, in a timely fashionOur office has obtained a detailed ledger and signed agreement by Mrs***, we have attached them to this responseOur conclusion from this investigation is that Mrs***’s complaint is invalid and unfoundedSincerely, 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 CFPB and Revdex.com: Thank you for forwarding the complaints of Mr [redacted] ***, this shall serve as our official responseIn Mr***’s complaints, he alleges that he did not have a contract and did not receive services from our companyMr [redacted] alleges that we reported the account against his credit and that he requested validation of the debt without receiving a responseMr [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 matterWe have determined that our office has not violated any state or federal lawsWe would like to provide additional information that can help shed light on our interactions regarding this matterMr [redacted] has an account assigned to our office, because he failed to pay the original creditor, our client, in a timely fashionThe original creditor that provided services to Mr [redacted] is Crest Financial Services LLCOur office sent Mr [redacted] a first notice on February 17th, and reported against his credit on March 24th, Our office did in fact receive a written dispute from Mr [redacted] on June 27th, 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, That is why Mr [redacted] had not received a response from our office yetWe would like to make it very clear to Mr [redacted] that our company operates within the scope of all state and federal lawsWe confirm that we are able to rightfully collect debts in the state of ArizonaWe have concluded that Mr***’s dispute is unfounded and his allegations are falseWe have attached validation to this response and we will also mail validation with the results of our investigation via United States Postal ServiceOur 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 investigationAs a gesture of good faith, we would like to offer Mr [redacted] a settlement offer of 50%, $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***’s credit reportWe now consider this to be a closed issueSincerely, The Complaint Response Team at North American Recovery
January 17, Revdex.com W S Salt Lake City, UT 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 matterWe have concluded that all of our conduct was appropriate and that we have not violated any state or federal lawsHowever, 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 themWe 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