Optio Solutions, LLC

Complaint: [redacted] I am rejecting this response because: I have not received any responses from this company since I sent the first complaint to the Revdex.com no response from this company I am not satisfied.Sincerely, [redacted] ***

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 meSincerely, [redacted] ***

Revdex.com Case Number [redacted] Complaint by Ms [redacted] *** Optio Solutions, L.L.C(“Optio”) responds to the complaint submitted by Ms*** Ms***’s debt as referenced in her complaint was assigned to Optio for collectionUpon receipt of the first correspondence disputing Ms***’s debt, Optio immediately marked the account disputed and ceased further collection until after verification of Ms***’s debt was sent to her on or about March 2, On or about March 14, 2017, Optio received a second communication disputing Ms***’s debt On or about March 17, 2017, Optio informed Ms [redacted] it had forwarded the second dispute to the original creditor Optio confirms that upon receipt of Ms***’s Revdex.com complaint, it ceased all further communications regarding this matter Based on the information Ms [redacted] has submitted in support of her complaint, Optio will cease all further collections on the account Optio has notified the original creditor that it has closed the account Optio hopes this resolves Ms***’s complaint in a satisfactory manner This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose Tell us why here

Initial Business Response / [redacted] (1000, 5, 2015/11/24) */ Dear Mr***, Qualia Collection Services ("QCS") is in receipt of your complaint to the Revdex.com submitted on 11/9/Please note that we at QCS take complaints very seriously and are committed to promptly resolving your complaintThus, QCS has launched an internal investigation to review the matters stated in your complaint QCS denies the allegation in your complaint that it called you day and nightAll telephone calls to you were made between the appropriate hours and were never made after 9pm, contrary to your statement in your complaintOn one occasion you stated that you would call QCS back in an hour, however you failed to call back, which resulted in a call from QCSQCS also denies the allegation that it contacted you at a time or place, including a work telephone number, which was known by QCS to be or communicated by you to be inconvenient or not permitted On 11/10/15, QCS received your written cease a desist request to cease all further telephone calls, and immediately ceased all further telephone communications to youNotably, this was the only cease and desist request that QCS has ever received from youPursuant to your request, QCS also mailed you documentation validating your debt Sincerely, QCS **This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have already written to President Obama Administration urging president Obama to have the Administrative Staff at the Federal Trade Commission to bring formal complaints and actions against QCS, I have already written Office of Attorney General California and Arizona with formal complaints, I wrote to Consumer Financial Protection Bureau and Governor of Arizona Doug Ducey and Governor Jerry Brown of California with formal complaints against QCS, I almost lost my job today, if I lose this job I will have no means of financial support due to QCS harassing at my work phone number area code 480, I demand that QCS stop calling all my friends, relative, employment number every phone number associated with me stop calling me Cease and Desist all telephone calls all these government agencies I filed a formal complaint with today will do a formal investigation against QCS which is very much so needed against QCS for the unfair business practices by QCSI reject this unfair unprofessional response by QCS Final Business Response / [redacted] (4000, 9, 2015/12/10) */ Dear Mr***, Qualia Collection Services ("QCS") responds to your rebuttal on your 11/25/complaint as well as your new complaint submitted on 11/25/to the Revdex.com regarding the same accountThough the Revdex.com has closed your new complaint, we at QCS take complaints very seriously and have continued to investigate this matter QCS denies all the allegations you have madeTo be specific, QCS did not call you at work, at home or at any telephone number after it received your cease and desist letterQCS did not harass you in any way, did not make repeated calls to you at any number known by QCS to be inconvenient to you, including any work number, and QCS has not violated any law in connection with its collection efforts on your account Aside from your complaints to various agencies, QCS also denies that you made any request to QCS, written, verbal or otherwise, that it cease contacting you by telephone at any number, other than the single written request you made by letter dated 11/9/15, which QCS received on 11/10/There were no telephone calls placed by QCS to you on 11/25/15, or at any time after receipt of your one request on 11/10/ We will continue to cease all telephone communications to youPlease note that your account remains unresolved Sincerely, QCS **This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose**

Optio Solutions (“Optio”) is in receipt of the complaint submitted by [redacted] Please note that Optio takes all complaints seriously and is committed to promptly resolving any issuesIn this regard, Optio has conducted an investigation to review the matters stated in the complaint After the item as described in the complaint was dishonored upon initial redeposit, it was redeposited to Ms [redacted] bank as permitted, along with a returned item service charge If Ms [redacted] incurred bank fees due to insufficient funds for a returned check, such fees were imposed by her bank and not by OptioIn this regard, Optio is unable to issue any refund Optio would like to note that there is nothing in the account information reflecting communication by Ms [redacted] for the purpose of paying the item; rather, she advised Optio representatives that she would not be paying the item as long as it was being redeposited into her accountNevertheless, Optio would like to apologize to Ms [redacted] for any perceived maltreatment Presently, Optio shows the account as unpaid Sincerely, Optio Solutions **This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.**

Optio Solutions (“Optio”) is in receipt of the complaint submitted by [redacted] *** Please note that Optio takes all complaints seriously and is committed to promptly resolving any issuesIn this regard, Optio has conducted an investigation to review the matters stated in the complaint Optio also confirms that it will cease and desist from any further telephone communications to Ms [redacted] as requested Optio has no information regarding any purported agreement between Ms [redacted] and the original creditor to clear the deposit dates with Ms [redacted] prior to deposit After the items as described in the complaint were dishonored upon initial deposit, they were redeposited to Ms***’s bank account as permitted, along with a returned item service charge per item If Ms [redacted] incurred bank fees due to insufficient funds for a returned item, such fees were imposed by her bank and not by Optio In this regard, Optio is unable to refund any bank fees However, as a courtesy to Ms [redacted] in this instance, Optio has been authorized to waive the service charge of $per item, as long as within days, the principal balance of the items is paid in full or alternatively, Ms [redacted] contacts Optio to set up a reasonable payment plan, and thereafter makes all payments as agreed In this regard, Ms [redacted] may feel free to contact the Legal Department at Optio directly Optio would like to apologize to Ms [redacted] for any perceived maltreatment and hopes this resolves her complaint Sincerely, Optio Solutions **This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.**

Dear [redacted] ***,Qualia Collection Services ("QCS") is in receipt of your complaint submitted on March 22, 2016 to the BBB portal. Please note that we at QCS take complaints very seriously and are committed to promptly resolving your complaint. Thus, QCS has launched an internal investigation to... review the matters stated in your complaint.On February 15, 2016, you issued a check as a downpayment for the purchase of a vehicle by the party identified in your complaint. As you know, your check was dishonored upon deposit. The debt incurred by your dishonored check is your debt alone, and as of today, no payment has been made on your dishonored check. Your account has been marked disputed; QCS will provide verification of your debt.Sincerely,QCS**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.**

Initial Business Response / [redacted] (1000, 8, 2015/08/20) */ Revdex.com Case Number XXXXXXXX Complaint by Ms [redacted] Optio Solutions responds to the complaint submitted by Ms*** Optio Solutions confirms that upon receipt of Ms***' complaint, Optio Solutions ceased all further telephone communications regarding this matter With respect to the assertions in her complaint, Optio Solutions' position is that all communications concerning this matter were at all times in compliance with applicable lawsOptio mailed Ms [redacted] no less than three letters, all of which were mailed to the same address as appears on her complaintOptio representatives attempted to discuss resolution of this matter with Ms [redacted] by telephone, however, Ms [redacted] did not return calls, and during the few conversations there were, she was rude and used profanity with the representatives attempting to assist her Ms [redacted] resolve this matter by paying by credit card pursuant to the instructions Ms [redacted] confirms she received by letterIf Ms [redacted] is uncomfortable with that option, she [redacted] send payment with a cashier's check or money order, again, pursuant to the instructions provided to her by letter This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose

Initial Business Response /* (1000, 5, 2015/10/12) */
Revdex.com Case Number XXXXXXXX
Complaint by Mr*** ***
Dear Mr***,
Optio Solutions, LLC ("Optio") responds to your complaint submitted via the Revdex.com portalPlease note that we at Optio take complaints very
seriously and are committed to promptly resolving your complaintThus, Optio has launched an internal investigation to review the matters stated in your complaint
Optio confirms that the account has been paid in full and is now closedIf you received a letter from Optio to the contrary, please note it was mailed before your payment was receivedPlease disregard the letterReceipt of your payment is confirmed
Optio will continue to cease all collections on the account
Optio hopes that this resolves your complaint in a satisfactory manner
**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose**

Thank you for your response
Optio will agree to waive a total of $60.00, which is $per returned item Payment by money order is fine Payment should be mailed to P.OBox 5069, Petaluma, CA Please contact us if there are any additional questions or you would care to discuss this matter further
This communication is from a debt collector, and any information obtained will be used for that purpose

Complaint: ***I am rejecting this response because:Sincerely,*** ***
Before I agree with this agreement I need to know the amount this company is agreeing to work with firstIs the company taking off just $for one of their fees or $60? I will be sending them money orders as well because I do NOT trust that they will NOT try to run a debit or credit card ?? payment over, and over, againPlease advise the amount

Optio Solutions (“Optio”) is in receipt of the second complaint submitted by *** ***. Please note that Optio takes all complaints seriously and is committed to promptly resolving any issues. In this regard, Optio has conducted an investigation to review the matters stated in
the complaint
Pursuant to *** request, her address has been updated in our system to reflect the address provided in her complaint. Any future correspondence from Optio will be mailed to this address.
Additionally, *** is reasserting her dispute of the $in service charges. In Optio’s response dated 8/21/17, as a courtesy to ***, Optio agreed to waive the service charge of $per item (for a total of $60) as long as *** paid the principal balance in full or contacted Optio to set up a reasonable payment plan within days of 8/21/17. To date, there has been no payment or payment agreement made by ***. However, as a further courtesy, Optio will agree to extend this deadline to days from today’s date, or 10/18/17.
Optio hopes this resolves *** complaint in a satisfactory manner
Sincerely,
Optio Solutions
This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purposes

Complaint: ***I am rejecting this response because: I have not received any responses from this company since I sent the first complaint to the Revdex.com no response from this company I am not satisfied.Sincerely,*** ***

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]

Initial Business Response /* (1000, 5, 2015/11/24) */
Dear Mr. [redacted],
Qualia Collection Services ("QCS") is in receipt of your complaint to the Revdex.com submitted on 11/9/15 . Please note that we at QCS take complaints very seriously and are committed to promptly resolving your complaint. Thus, QCS...

has launched an internal investigation to review the matters stated in your complaint.
QCS denies the allegation in your complaint that it called you day and night. All telephone calls to you were made between the appropriate hours and were never made after 9pm, contrary to your statement in your complaint. On one occasion you stated that you would call QCS back in an hour, however you failed to call back, which resulted in a call from QCS. QCS also denies the allegation that it contacted you at a time or place, including a work telephone number, which was known by QCS to be or communicated by you to be inconvenient or not permitted.
On 11/10/15, QCS received your written cease a desist request to cease all further telephone calls, and immediately ceased all further telephone communications to you. Notably, this was the only cease and desist request that QCS has ever received from you. Pursuant to your request, QCS also mailed you documentation validating your debt.
Sincerely,
QCS
**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose. **
Initial Consumer Rebuttal /* (3000, 7, 2015/11/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have already written to President Obama Administration urging president Obama to have the Administrative Staff at the Federal Trade Commission to bring formal complaints and actions against QCS, I have already written Office of Attorney General California and Arizona with formal complaints, I wrote to Consumer Financial Protection Bureau and Governor of Arizona Doug Ducey and Governor Jerry Brown of California with formal complaints against QCS, I almost lost my job today, if I lose this job I will have no means of financial support due to QCS harassing at my work phone number area code 480, I demand that QCS stop calling all my friends, relative, employment number every phone number associated with me stop calling me Cease and Desist all telephone calls all these government agencies I filed a formal complaint with today will do a formal investigation against QCS which is very much so needed against QCS for the unfair business practices by QCS. I reject this unfair unprofessional response by QCS
Final Business Response /* (4000, 9, 2015/12/10) */
Dear Mr. [redacted],
Qualia Collection Services ("QCS") responds to your rebuttal on your 11/25/15 complaint as well as your new complaint submitted on 11/25/15 to the Revdex.com regarding the same account. Though the Revdex.com has closed your new complaint, we at QCS take complaints very seriously and have continued to investigate this matter.
QCS denies all the allegations you have made. To be specific, QCS did not call you at work, at home or at any telephone number after it received your cease and desist letter. QCS did not harass you in any way, did not make repeated calls to you at any number known by QCS to be inconvenient to you, including any work number, and QCS has not violated any law in connection with its collection efforts on your account.
Aside from your complaints to various agencies, QCS also denies that you made any request to QCS, written, verbal or otherwise, that it cease contacting you by telephone at any number, other than the single written request you made by letter dated 11/9/15, which QCS received on 11/10/15. There were no telephone calls placed by QCS to you on 11/25/15, or at any time after receipt of your one request on 11/10/15.
We will continue to cease all telephone communications to you. Please note that your account remains unresolved.
Sincerely,
QCS
**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose. **

Revdex.com Case Number [redacted]
Complaint by Ms. [redacted] 
Optio Solutions, L.L.C. (“Optio”) responds to the complaint submitted by Ms. [redacted].
Ms. [redacted]’s debt as referenced in her complaint was assigned to Optio for collection. Upon receipt of the first correspondence...

disputing Ms. [redacted]’s debt, Optio immediately marked the account disputed and ceased further collection until after verification of Ms. [redacted]’s debt was sent to her on or about March 2, 2017.  On or about March 14, 2017, Optio received a second communication disputing Ms. [redacted]’s debt.  On or about March 17, 2017, Optio informed Ms. [redacted] it had forwarded the second dispute to the original creditor.    
Optio confirms that upon receipt of Ms. [redacted]’s Revdex.com complaint, it ceased all further communications regarding this matter.   Based on the information Ms. [redacted] has submitted in support of her complaint, Optio will cease all further collections on the account.  Optio has notified the original creditor that it has closed the account. 
Optio hopes this resolves Ms. [redacted]’s complaint in a satisfactory manner.
This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.  Tell us why here...

Optio Solutions (“Optio”) is in receipt of the complaint submitted by [redacted]. Please note that Optio takes all complaints seriously and is committed to promptly resolving any issues. In this regard, Optio has conducted an investigation to review the matters stated in the...

complaint.
After the item as described in the complaint was dishonored upon initial redeposit, it was redeposited to Ms. [redacted] bank as permitted, along with a returned item service charge.  If Ms. [redacted] incurred bank fees due to insufficient funds for a returned check, such fees were imposed by her bank and not by Optio. In this regard, Optio is unable to issue any refund. 
Optio would like to note that there is nothing in the account information reflecting communication by Ms. [redacted] for the purpose of paying the item; rather, she advised Optio representatives that she would not be paying the item as long as it was being redeposited into her account. Nevertheless, Optio would like to apologize to Ms. [redacted] for any perceived maltreatment.  Presently, Optio shows the account as unpaid.
Sincerely,
Optio Solutions
 
**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.**

Optio Solutions (“Optio”) is in receipt of the complaint submitted by [redacted].  Please note that Optio takes all complaints seriously and is committed to promptly resolving any issues. In this regard, Optio has conducted an investigation to review the matters stated in the...

 complaint.  Optio also confirms that it will cease and desist from any further telephone communications to Ms. [redacted] as requested.
Optio has no information regarding any purported agreement between Ms. [redacted] and the original creditor to clear the deposit dates with Ms. [redacted] prior to deposit.  After the items as described in the complaint were dishonored upon initial deposit, they were redeposited to Ms. [redacted]’s bank account as permitted, along with a returned item service charge per item.  If Ms. [redacted] incurred bank fees due to insufficient funds for a returned item, such fees were imposed by her bank and not by Optio.  In this regard, Optio is unable to refund any bank fees.  However, as a courtesy to Ms. [redacted] in this instance, Optio has been authorized to waive the service charge of $30.00 per item, as long as within 30 days, the principal balance of the items is paid in full or alternatively, Ms. [redacted] contacts Optio to set up a reasonable payment plan, and thereafter makes all payments as agreed.  In this regard, Ms. [redacted] may feel free to contact the Legal Department at Optio directly.
Optio would like to apologize to Ms. [redacted] for any perceived maltreatment and hopes this resolves her complaint. 
Sincerely,
Optio Solutions
**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.**

Dear [redacted],Qualia Collection Services ("QCS") is in receipt of your complaint submitted on March 22, 2016 to the Revdex.com portal. Please note that we at QCS take complaints very seriously and are committed to promptly resolving your complaint. Thus, QCS has launched an internal investigation to...

review the matters stated in your complaint.On February 15, 2016, you issued a check as a downpayment for the purchase of a vehicle by the party identified in your complaint. As you know, your check was dishonored upon deposit. The debt incurred by your dishonored check is your debt alone, and as of today, no payment has been made on your dishonored check. Your account has been marked disputed; QCS will provide verification of your debt.Sincerely,QCS**This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.**

Initial Business Response /* (1000, 8, 2015/08/20) */
Revdex.com Case Number XXXXXXXX
Complaint by Ms. [redacted]
Optio Solutions responds to the complaint submitted by Ms. [redacted].
Optio Solutions confirms that upon receipt of Ms. [redacted]' complaint, Optio Solutions ceased all...

further telephone communications regarding this matter.
With respect to the assertions in her complaint, Optio Solutions' position is that all communications concerning this matter were at all times in compliance with applicable laws. Optio mailed Ms. [redacted] no less than three letters, all of which were mailed to the same address as appears on her complaint. Optio representatives attempted to discuss resolution of this matter with Ms. [redacted] by telephone, however, Ms. [redacted] did not return calls, and during the few conversations there were, she was rude and used profanity with the representatives attempting to assist her.
Ms. [redacted] resolve this matter by paying by credit card pursuant to the instructions Ms. [redacted] confirms she received by letter. If Ms. [redacted] is uncomfortable with that option, she [redacted] send payment with a cashier's check or money order, again, pursuant to the instructions provided to her by letter.
This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose.