Nationwide Debt Management Solutions

I have simply had enoughwe will mail the letter and not make another callShould this not be resolved we have other means of collecting the debtWe are a full service litigation shop and when consumers want to simply do everything possible to avoid resolving there obligations on a voluntary basis, we certainly have recourseif it were a question of not knowing what this was or this was not their doing, we are happy to help resolve the situationto me it is pretty simple, you return a call and resolve your obligationsif not lets have a rational conversationI will not respond to this matter further

There are other personal information that may be used to verify identityIndeed we do live in an age of identity theft and fraud which is why we verify the identity of whom we are speaking prior to discussing any details of any accountDate of birth, mailing address or demonstrating any knowledge of the account can also verify identityThis is done not only for our protections but also the protection of the consumer

[redacted] if you have the release of liability showing you released the vehicle to another party prior to the tow date in accordance with CA Vehicle Code §please provide that information to our office When we receive that document and as long as t complies with the CA Vehicle Code §we can release you of liability

Mr [redacted] , I was not aware you did not have the phone number to reach us The toll free number is [redacted] *** and you just ask for the Director of Operations [redacted] Call The other number you can call is [redacted] extension [redacted] will go directly to his line

I am currently reviewing the calls and recording attached to this accountIn the meantime I have assigned this account to another representative and requested an additional copy of the initial letter be sentThere will be no further calls to the employment number by anybody at our offices and my findings will be reviewed with the managers to ensure the highest level of professionalism at all times by all of my employees

The circumstances surrounding this complaint are completely mis representedFactually the bill was defaulted within days of the money being deposited into the debtorsaccountFurther, the BB has us with a horrible rating when in fact based on the number of consumers we generate a complaint 2-1000ths of a percent and yet no matter how we respond, Professional debtors like this one as well as the Revdex.com's lack of understand of our business is ridicules and we will be suing the Revdex.com for economic harm and we will begin taking all frivolous complaints as slander and we will name the Revdex.com as a co-defendant since it is providing the sounding board to an industry they do not belongHow about this, if you pay what you rightful owe, our economy would be in much better shapeThe Revdex.com was intended to protect consumers with retailers and not folks that have already breached a contract, failed to handle their own obligation

I have reviewed the calls connected to this accountMr [redacted] did not say the original balance was $dollars, he said $2,The [redacted] card was opened in with a contracted default interest rate in the user agreement of 29.99%When Mr [redacted] defaulted in the interested not only continued to accrue by accrued at a substantially higher rate resulting in the current balance owedA letter was sent to Mr [redacted] on 10/13/with all pertinent account information on it along with an obligatory day grace to dispute the balance or request additional information

As requested we will immediately cease from calling the consumers place of employment Factually she is the person we are looking for and factually we have also sent a notice to her residence(same address she provided) Factually we have been trying to reach the consumer and are only using the very same information that SHE provided to the original creditorIt is very frustrating when the consumers apply for a loan, default, and then we have to attempt to reach by calling the place that SHE provided and then wants to complain about phone calls when she has not once returned a call from a message leftJust another instance of us doing our job because a consumer cannot or will not return a call when they know they owe the debt

I am rejecting this response because: the previous time I called that number I ended up talking to somebody who told me his name was [redacted] and who proceeded to impersonate as Mr [redacted] 's managerAt the end of that phone call, after a brief hold, Mr [redacted] came back on the line to tell me that there was no manager above him I could register a complaint about him withI have no desire to be set up the same way again

Attached are the recordings of all three callsHere are my findingsTo me, it was the ladies getting into itI do feel as if [redacted] could have handled it differently however I believe the consumer is mis-representing what had happened.Call :is the initial demand to the debtor at her job: Debtor said she doesn’t have an account with Spotloan and to please make a note to not call her place of employmentFrom there they began over talking each other until the inevitable hang up [redacted] could have handled it differently [redacted] could have calmly offered to email the VOD (verification of debt) and media (loan Docs) , then closed the call by advising this is being seen as a refusal to pay and offered her to call back after work to address the matter to avoid further action.Call 2: [redacted] getting VOE (verification of employment) info, then the receptionist blind transferred [redacted] to the debtorDebtor answered her line [redacted] “Oh, I wasn’t holding for you, I was holding for HR” and hung upIncoming call: Debtor upset about the 2nd call that got to herAgain, [redacted] reiterated that she only called for a VOE (verification of employment) and hung up

An initial letter was sent to *** *** in March of with no response. An email regarding the outstanding debt was sent to *** *** on August 18, at 1:EST to ***. This email that Ms*** provided is the same email provided in the
original application There has been attempts to reach *** *** since May 1, total. The representative was incorrect in regards to the fact two payments were made. There were actually three payments that were made to the repayment of the loan since its inception. There will be no further phone attempts to reach *** *** from our end to resolve the matter. If *** chooses to *** us we are more than willing to work together to resolve the situation. She can speak with *** *** the Director of Operations I would not classify the agent’s demeanor as rude and at no time did the agent “get loud with her”..Throughout the call, she kept the same calm demeanor throughout.I would be more than happy to provide the calls to the Revdex.com whereas this debtor is a collector and knows how to push the right buttons however she has completely mis-represented the facts (for lack of a better word) this is nothing more than a simple stall and an attempt to make the bill go away of which it is notwe will handle this on an involuntary basis if necessary however the bill will be resolved in full In regards to the statement about the consumer indicating that she had not received anything in writing, the agent did confirm the address we mailed the letter to and then offered to email her some correspondenceThe agent did not tell the consumer that she doesn’t know why she needs something in writingShe asked what information she was seeking in that regardWe could have emailed a copy of the initial demand, a VOD or a copy of the original agreement with the creditorSo that would have been an appropriate question to ask in my opinionThe agent did advise the consumer that she only made a few payments, not just two. I would agree that the agent’s mention of the consumer “taking out several other loans” could be seen as an exaggeration, however the consumer stated in her complaint narrative that she told the agent that she did not take out several loans, and if it does appear that way, it’s because she was a victim of identity theftShe did not mention anything about identity theft to the agent, so I find that interesting that she would state that she told that to the agent in her complaintTo me, this may add some validity to the accusation of opening multiple loans which is common place with spot loan consumersAs far as POE (place of employment) calls, when the consumer demanded the POE calls cease, the agent did tell her “fine”, however unless she resolves the account that follow up calls could be made to the employer in regards to conducting an employment verification The agent at the end attempted to ask when the consumer could follow up with herThe stated “whenever she can”The agent did not press nor insist that she commit to a specific timeI didn’t sense that the agent hung up on her It appeared the agent thought the conversation was over, however the consumer at the last second asked her name, to which she did give in the beginning of the call

I still have seen no evidence of multiple calls per day to the POEFor me to take any action against the employees involved I have to have tangible proof of the infractionThe floors are monitored closely for any breach in policy or procedureAs to the marketing on Facebook, though I was not aware of this I do not see a breach hereCollection agencies have many avenues of adding and moving inventory with each otherThese sales are not open to private individuals and restricted to only established agencies within the industryNo personal information is shared on Facebook or any other website including our ownThis is to protect against 3rd party disclosureAccess to our website is indeed available and 24/at that however no personal information is on the website

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
I would appreciate no futher contact at my place of employment

*** the documents were mailed to you on October 12, 2017. Our representative followed up with you on the 16th of October to see if you had received those documents. Someone called us yesterday from your phone number but refused to identify themselves. We will not discuss
matters with someone without proper identification. The previous owner of the vehicle who submitted the documents to the Department of Motor Vehicles stating the vehicle was sold to you on May 1, in which you acknowledged as that party being your ex boyfriend. If this was fraud committed by him we will help direct you to file the proper paper work to resolve this matter. Once you have received the documents mailed to you on October 12, please contact us to help resolve this matter

I just got your transmission about *** ***I don’t know what happened however I did submit a responseHere is the response submittedWe had some ISP problems going up and down and I am not sure if that affected my response as oit was the same day. Here is the response I submitted with regard to her liesI would suggest you review the recordings submitted whereas she is mis representing the facts. There was the mention of the fourth (4th) and final call to my place of business Vonage only shows the calls that was submitted Regarding the allegation *** stated she was calling on behalf of Spot loan.. “I’m calling here with Nationwide Debt Management Solutions, we have been retained here in regards to an account you opened with Spotloan.” I can submit a report from out phone provider to prove there were only calls and you can tell on the recording that we did NOT say we were calling on behalf of SpotloanWith this we are going to sue the debtor for the breached contract and I would like you to submit this and kindly not affect our rating as one again the debtor is lying and we can prove it. *** ***Chief Executive OfficerNationwide Debt Management Solutions, LLC.*** *** *** *** ***Sacramento, CA 95827Office: *** ***Fax: *** *** CONFIDENTIAL CLIENT PRIVILEGED COMMUNICATION

I am meeting with the Director today on the allegations within this complaint and the practices of the representatives mentionedThe phone numbers have been removed and no further calls will be initiated by anyone except myself or the director until we determine what breaches in policy have
occurred and what actions we will takeAt this time the account has been placed on a no work hold for days or until the resolution of this complaint and our review

Ms ***, we have received your request for no further contact at your place of employment and took immediate steps at that time to ensure your request was honoredSadly even in a digital age a request cannot be completed within minutesYou account information is not
directly tied to our website in order to safeguard your information from cyber threatsWe are in possession of supporting documents from the original creditor and would gladly furnish these to youThey have been uploaded along with this response for your reviewThe phone numbers for you account have been removed with the exception of the number you providedWe will not reach out to you until you have had sufficient time to review and re-familiarize yourself with the terms and conditions of the accountAny further question or concerns you have we would gladly address at your convenience

Nationwide Debt Management Solutions has been servicing *** *** *** account since April 2016. Since that time she has made the following payments. $June 2016, $December 2016, $March 2017, and $May 2017. Since that time Nationwide Debt
Management Solutions has not added any additional monies to what was agreed and owed with the original creditor. The representative whom *** first spoke with on 05/26/should have provided her the letter as requested and has been advised how to handle the situation properly When *** spoke with *** you could hear there was a difficult time hearing each other at least from our end. *** attempted to obtain the email address to send the letter and was attempting to use acronyms with the letters yet *** *** and *** could not seem to get it together on the same page. *** did obtain the email address and the letter was emailed to *** on the 26th of May at 4:22pm Pacific Standard time. We will continue to work with *** *** as we have for the last year in an attempt to resolve her accountFactually Ms.*** agreed in writing to pay $monthly beginning in August of she never made one regular payment here are the actual payments made to the original creditor prior to the sale of her account. Payments11/20/$40.0010/30/$40.0010/02/$20.00 As you can see, as much as we are constantly striving to provide better customer service, Mr *** has made a total of $to date of which is less than the payment that she was to make her 1st month in August of 2015. Should the Revdex.com need supporting documents, we have the entire media packageIK would suggest that Ms*** make this a priority and stop blaming us for something we clearly didn't create and have been more than patient enough while she re-writes the contract to pay what she wants when she wantsWe have also accommodated her numerous times by moving payments, pulling checks, etc

Mr*** is aware of the debt for the inch iMac 2.7GHz Quad Core i5-8GB RAM-1TB Hard you purchased in which you have acknowledged. We have never received any documentation from you of any Cease Letter and have attempted to work with you as all the phone calls are recorded. We
are still willing to work with you as you acknowledged your responsibility to get this corrected“we have ordered all original documents from the client however the computer of which Mr*** acknowledged he purchased and is the bulk of the bill and not a defective iphone of which is the only thing mentioned in his complaintWe would be happy to resolve this for both Mr*** and the client

I have reviewed all calls logs and material associated with this accountDuring the short time this account has been of our company only May 3rd was where somebody was where *** *** was reachedEvery other attempt was met with heavy phone screening and voicemail answersMessages were left
unretrurnedon April 19th A coworker spoke with one of our representatives, she was also named ***The representative noted she was not *** *** and did not press further beyond asking for *** *** The phone numbers were removed as requested and calls to those numbers ceased when requested by *** ***