Contact Name and Title: Taranpreet [redacted]
Contact Phone: 773 283 7500
Contact Email: [redacted]@harvardcollect.com
Hi,
This response is in regards to case# [redacted]. Mr [redacted], we are unable to pull up any account with the information you have provided. In order for us to help you, kindly provide...
Complaint: [redacted]
I am rejecting this response because: The original creditor admitted the payment was paid BEFORE sending to collections. This is what they notified to the collection agency in Nov. 2015. Simply closing the account as paid in full is not accurate as it does not represent that the reporting of the negative history in the first place was a mistake.Since it was a mistake reporting me to collections which lead to the negative history on my credit report the collection agency needs to DELETE the reporting of this account as negative history to all 3 credit bureaus. Simply reporting the account as paid is not correct. This will not repair the damage to my credit history as that is NOT what happened. The only reasonable course of action for Harvard Collection Service is: 1. DELETE this collection/ negative history to all 3 credit bureaus AND 2. Write me a letter stating they are deleting reporting this negative history to all 3 credit bureaus.They are full aware simply reporting that the account balance is paid in full will NOT repair the damage they have done to my credit history. Anything less the DELETING this negative history is unacceptable in reversing the damages they have done to my credit history.
Sincerely,
[redacted]
RE: Revdex.com Complaint Case # - [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS).The facts as we currently understand them are:· The account was placed...
with us by our client on 09-01-16· We never had a verbal contact with consumer on this account till date· We received first dispute through E-Oscar on 02-14-17· We requested explanation of benefits from the client as per consumer request on 02-27-17 and the account has been placed on hold status· Explanation of benefits was sent to the consumer on 03-21-17· On 05-12-17 we again received a written correspondence from the consumer stating she is disputing the debt· The Explanation of benefits has already been sent to consumer on 03-21-17 on the same mailing address If I can be of further assistance please feel free to contact me directly at [redacted] Sincerely,Harvard Collection Services Tell us why here...
Hi,On receipt of the message we have taken following steps to investigate and resolve the consumer's complaint:1- We did send the collection letter to the consumer on 02/03/2016. The address provided by our client is different from the address consumer has mentioned in this compliant.2- We did make...
attempt to contact consumer at the phone number provided by our client but we could not establish any contact with the consumer even after subsequent attempts to contact him.3- Per the consumer's desired resolution, we have requested for the validation documents with our clients.4- Per consumer's desired resolution, we have submitted a delete request with the credit bureaus. Thank You,Harvard Collection Services.
rejecting this response because:
Sincerely,
[redacted] Don't believe Harvard Collection has a creditor. Would like proof or a creditor. The party they listed as [redacted] Assoc. Of Central IL. Has no such bill. The number the manager gave me for Billing. Doesn't do their billing. Want happens with my wife information. Possible identity theft? How do I know harvard collection will delete it? If this is just a mistake, how does that happen? Don't want any more phone calls or letters. Have your creditor send info.
Initial Business Response /* (1000, 8, 2014/10/06) */
Your complaint has been received. On 9/3 this was disputed to the [redacted] and on 9/3 a letter was sent out stating to provide documentation of Dispute (receipt of PIF, police report, etc.). On 9/6 HCS received a complaint stating it was not the...
responsibility of the consumer to provide proof of dispute and requested validation of debt. On 9/16 invoices were sent out. Attached is a copy of the letter sent on 9/3, the letter received on 9/6, and documentation that was sent out on 9/16. The request for validation of debt was made on 9/6, invoices were sent out 9/16 which is within the 30 day time frame to provide validation of debt.
Initial Consumer Rebuttal /* (3000, 12, 2014/10/14) */
I sent certified letter on 9/17/14, which they received 9/22/14. It contains a demand for "validation", including proof I agreed to pay alleged debt. On 10/23/14 they must have responded or removed negative credit reports. As of 10/14/14 they have not.
Final Business Response /* (4000, 14, 2014/10/22) */
HCS has responded to all Revdex.com, Consumer, and Attorney General complaints made by the consumer. We have provided him with all required documentation such as invoices. We received the complaint, and after reviewing the accounts it shows that they were placed in our office June of 2014. Both accounts are currently in Dispute status, per the request of the consumer's dispute with the [redacted] A letter was sent out to the consumer requesting any documentation he may have regarding the dispute. HCS did not received that information.
On 9/6 HCS received a request for validation. Validation was sent out on 9/16. Which is the same documentation that was sent to the Attorney General that has been attached by the consumer.
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't accept this response because they haven't honored my request for a debt validation. They claim not to have any information on the account or me but they are still reporting the fraud account on my credit profile which is against the Fair credit reporting act. Delete this account or I won't hesitate to contact a consumer attorney for violation of my consumer rights. Thank you
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]
This
is in regards to the complaint that was filed by Mr. [redacted]. The account in
question was placed in our office as of July 6, 2015. On July 14 a letter was
mailed out to Mr. [redacted] to the address of 6577 Shepherd Oaks St Lakeland, FL
33811. Since there was no response of dispute, HCS reported...
the account to the
credit bureaus 45 days after placement day. Upon my investigation we
do see that Mr. [redacted] did make contact to our office. We sent Mr. [redacted] a
letter to provide us why he is disputing the debt. We need documents
supporting his dispute. Upon receiving the documents supporting his dispute,
and we see that the information provided does not match what our records
reflect, we will make the necessary steps to assist Mr. [redacted]. If Mr. [redacted] prefers
to speak to me directly he can reach me at 773-283-7500 ext 5352, and I will be
happy to assist him. If you have any additional questions or concerns please do
not hesitate to contact our office.Thank
you,Lina
[redacted]
Initial Business Response /* (1000, 6, 2015/07/24) */
This account was placed with HCS on 8/24/12, a dunning letter was sent to the consumers address on 8/25/2012. HCS received mail return on the letter sent. All 3 CBR's were updated on 11/6/14 as Paid In Full.
Re: Revdex.com Complaint ID: [redacted] __ [redacted] W We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The...
account was placed with us by our client on 02-01-16 · We never had a contact with the consumer on this account · We have been receiving payments on the account since March 2013 · We have been notified by the client that a copy of Explanation of Benefits was sent to the consumer in Feb 2017. If I can be of further assistance please feel free to contact me directly at 877-[redacted]. Sincerely, Harvard Collection Services.
Initial Business Response /* (1000, 8, 2014/12/05) */
Your complaint has been received. On behalf of HCS I apologize for the inconvenience you experienced with our company. HCS was in the process of changing our systems and had been experiencing phone system issues which would have routed your...
call to voicemail, or to be dropped. Again I apologize for the inconvenience. As I reviewed the account it has been closed as of 12/3 per the client. According to our client the account was placed in collections in error. A letter has been sent to the address on file stating just that.
RE: Revdex.com Complaint Case # - [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The...
account was placed with us by our client on 05-07-15 · We never had a verbal contact with consumer on this account till date · We received first dispute through E-OSCAR on 08-19-15, stating that she is disputing the debt and requested for the validation of debt · The debt validation was requested from the client on consumer request · On 12-01-15 the account was closed and returned to the client · On 03-22-16 we again received dispute from the consumer through Fax · The account is already closed and cancellation letter has been mailed to the consumer on the mailing address · The account is submitted for credit deletion with AUD Control Number: [redacted] If I can be of further assistance please feel free to contact me directly at [redacted]. Sincerely, Harvard Collection Services
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]
RE: Revdex.com Complaint Case # - [redacted]. [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was...
placed with us by our client on 03-02-17 · The consumer sent a dispute letter on 5-23-2017 and requested for validation of debt · The account was moved to Dispute status and validation of debt was requested from the client on consumer request · On 5-29-2017 we again received a dispute from the consumer through E-Oscar · The account was closed and sent back to the client on 07-03-2017 · The account has been deleted from the credit report on 07-06-2017. If I can be of further assistance please feel free to contact me directly at [redacted]. Sincerely, Harvard Collection Services
RE: Revdex.com Complaint Case # - [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was...
placed with us by our client on 01-05-17 · We received a dispute through E-OSCAR on 05-29-17, in which the consumer stated that the information reported is inaccurate and requested for complete ID and account information · The account was placed on Dispute status on 05-29-17 · As per the consumer’s request validation was requested from the client · The validation was mailed to the consumer on 06-07-2017 · We do not have any PHI for any of our consumers. The validation of debt was only requested upon consumer’s request. If I can be of further assistance please feel free to contact me directly at 8[redacted]. Sincerely, Harvard Collection Services Tell us why here...
RE: Revdex.com Complaint Case # - [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was...
placed with us by our client on 01-05-17 · We had our first contact with the consumer on 01-07-17, where the call got disconnected after verification · We received a dispute through fax on 03-08-17, where consumer requested for validation of debt · The account was moved to Dispute status and validation of debt was requested from the client on consumer request · The verification of debt was sent to the consumer on 03-23-17 on the mailing address · The deletion request has been raised to delete the account from credit reports. If I can be of further assistance please feel free to contact me directly at [redacted]. Sincerely, Harvard Collection Services
Initial Business Response /* (1000, 8, 2014/12/05) */
Your complaint has been received. A fraud packet was sent to the address on file to be completed and retuned along with any supporting documentation (police reports). HCS has not received this information back. Please complete the fraud...
packet that was sent to you on 11/6 and send it back to HCS. The account is currently in Dispute status until this information is received.
Re: Revdex.com Complaint ID: 12065470__[redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was placed with us by our client on 10-11-16 · We never had a contact with the consumer on this account · On consumer request we have requested for the validation of debt with the client · The account has been placed on dispute status till further notification from the client. · We have notified the client and the account has been placed on Dispute status till we get an update from the client If I can be of further assistance please feel free to contact me directly at 877-339-5643. Sincerely, Harvard Collection Services.
Contact Name and Title: Taranpreet [redacted]
Contact Phone: 773 283 7500
Contact Email: [redacted]@harvardcollect.com
Hi,
This response is in regards to case# [redacted]. Mr [redacted], we are unable to pull up any account with the information you have provided. In order for us to help you, kindly provide...
more information.
Thanks.
Complaint: [redacted]
I am rejecting this response because: The original creditor admitted the payment was paid BEFORE sending to collections. This is what they notified to the collection agency in Nov. 2015. Simply closing the account as paid in full is not accurate as it does not represent that the reporting of the negative history in the first place was a mistake.Since it was a mistake reporting me to collections which lead to the negative history on my credit report the collection agency needs to DELETE the reporting of this account as negative history to all 3 credit bureaus. Simply reporting the account as paid is not correct. This will not repair the damage to my credit history as that is NOT what happened. The only reasonable course of action for Harvard Collection Service is: 1. DELETE this collection/ negative history to all 3 credit bureaus AND 2. Write me a letter stating they are deleting reporting this negative history to all 3 credit bureaus.They are full aware simply reporting that the account balance is paid in full will NOT repair the damage they have done to my credit history. Anything less the DELETING this negative history is unacceptable in reversing the damages they have done to my credit history.
Sincerely,
[redacted]
RE: Revdex.com Complaint Case # - [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS).The facts as we currently understand them are:· The account was placed...
with us by our client on 09-01-16· We never had a verbal contact with consumer on this account till date· We received first dispute through E-Oscar on 02-14-17· We requested explanation of benefits from the client as per consumer request on 02-27-17 and the account has been placed on hold status· Explanation of benefits was sent to the consumer on 03-21-17· On 05-12-17 we again received a written correspondence from the consumer stating she is disputing the debt· The Explanation of benefits has already been sent to consumer on 03-21-17 on the same mailing address If I can be of further assistance please feel free to contact me directly at [redacted] Sincerely,Harvard Collection Services Tell us why here...
Hi,On receipt of the message we have taken following steps to investigate and resolve the consumer's complaint:1- We did send the collection letter to the consumer on 02/03/2016. The address provided by our client is different from the address consumer has mentioned in this compliant.2- We did make...
attempt to contact consumer at the phone number provided by our client but we could not establish any contact with the consumer even after subsequent attempts to contact him.3- Per the consumer's desired resolution, we have requested for the validation documents with our clients.4- Per consumer's desired resolution, we have submitted a delete request with the credit bureaus. Thank You,Harvard Collection Services.
Complaint: [redacted]
I am...
rejecting this response because:
Sincerely,
[redacted] Don't believe Harvard Collection has a creditor. Would like proof or a creditor. The party they listed as [redacted] Assoc. Of Central IL. Has no such bill. The number the manager gave me for Billing. Doesn't do their billing. Want happens with my wife information. Possible identity theft? How do I know harvard collection will delete it? If this is just a mistake, how does that happen? Don't want any more phone calls or letters. Have your creditor send info.
Initial Business Response /* (1000, 8, 2014/10/06) */
Your complaint has been received. On 9/3 this was disputed to the [redacted] and on 9/3 a letter was sent out stating to provide documentation of Dispute (receipt of PIF, police report, etc.). On 9/6 HCS received a complaint stating it was not the...
responsibility of the consumer to provide proof of dispute and requested validation of debt. On 9/16 invoices were sent out. Attached is a copy of the letter sent on 9/3, the letter received on 9/6, and documentation that was sent out on 9/16. The request for validation of debt was made on 9/6, invoices were sent out 9/16 which is within the 30 day time frame to provide validation of debt.
Initial Consumer Rebuttal /* (3000, 12, 2014/10/14) */
I sent certified letter on 9/17/14, which they received 9/22/14. It contains a demand for "validation", including proof I agreed to pay alleged debt. On 10/23/14 they must have responded or removed negative credit reports. As of 10/14/14 they have not.
Final Business Response /* (4000, 14, 2014/10/22) */
HCS has responded to all Revdex.com, Consumer, and Attorney General complaints made by the consumer. We have provided him with all required documentation such as invoices. We received the complaint, and after reviewing the accounts it shows that they were placed in our office June of 2014. Both accounts are currently in Dispute status, per the request of the consumer's dispute with the [redacted] A letter was sent out to the consumer requesting any documentation he may have regarding the dispute. HCS did not received that information.
On 9/6 HCS received a request for validation. Validation was sent out on 9/16. Which is the same documentation that was sent to the Attorney General that has been attached by the consumer.
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't accept this response because they haven't honored my request for a debt validation. They claim not to have any information on the account or me but they are still reporting the fraud account on my credit profile which is against the Fair credit reporting act. Delete this account or I won't hesitate to contact a consumer attorney for violation of my consumer rights. Thank you
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]
This
is in regards to the complaint that was filed by Mr. [redacted]. The account in
question was placed in our office as of July 6, 2015. On July 14 a letter was
mailed out to Mr. [redacted] to the address of 6577 Shepherd Oaks St Lakeland, FL
33811. Since there was no response of dispute, HCS reported...
the account to the
credit bureaus 45 days after placement day. Upon my investigation we
do see that Mr. [redacted] did make contact to our office. We sent Mr. [redacted] a
letter to provide us why he is disputing the debt. We need documents
supporting his dispute. Upon receiving the documents supporting his dispute,
and we see that the information provided does not match what our records
reflect, we will make the necessary steps to assist Mr. [redacted]. If Mr. [redacted] prefers
to speak to me directly he can reach me at 773-283-7500 ext 5352, and I will be
happy to assist him. If you have any additional questions or concerns please do
not hesitate to contact our office.Thank
you,Lina
[redacted]
Initial Business Response /* (1000, 6, 2015/07/24) */
This account was placed with HCS on 8/24/12, a dunning letter was sent to the consumers address on 8/25/2012. HCS received mail return on the letter sent. All 3 CBR's were updated on 11/6/14 as Paid In Full.
Re: Revdex.com Complaint ID: [redacted] __ [redacted] W We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The...
account was placed with us by our client on 02-01-16 · We never had a contact with the consumer on this account · We have been receiving payments on the account since March 2013 · We have been notified by the client that a copy of Explanation of Benefits was sent to the consumer in Feb 2017. If I can be of further assistance please feel free to contact me directly at 877-[redacted]. Sincerely, Harvard Collection Services.
Initial Business Response /* (1000, 8, 2014/12/05) */
Your complaint has been received. On behalf of HCS I apologize for the inconvenience you experienced with our company. HCS was in the process of changing our systems and had been experiencing phone system issues which would have routed your...
call to voicemail, or to be dropped. Again I apologize for the inconvenience. As I reviewed the account it has been closed as of 12/3 per the client. According to our client the account was placed in collections in error. A letter has been sent to the address on file stating just that.
RE: Revdex.com Complaint Case # - [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The...
account was placed with us by our client on 05-07-15 · We never had a verbal contact with consumer on this account till date · We received first dispute through E-OSCAR on 08-19-15, stating that she is disputing the debt and requested for the validation of debt · The debt validation was requested from the client on consumer request · On 12-01-15 the account was closed and returned to the client · On 03-22-16 we again received dispute from the consumer through Fax · The account is already closed and cancellation letter has been mailed to the consumer on the mailing address · The account is submitted for credit deletion with AUD Control Number: [redacted] If I can be of further assistance please feel free to contact me directly at [redacted]. Sincerely, Harvard Collection Services
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]
RE: Revdex.com Complaint Case # - [redacted]. [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was...
placed with us by our client on 03-02-17 · The consumer sent a dispute letter on 5-23-2017 and requested for validation of debt · The account was moved to Dispute status and validation of debt was requested from the client on consumer request · On 5-29-2017 we again received a dispute from the consumer through E-Oscar · The account was closed and sent back to the client on 07-03-2017 · The account has been deleted from the credit report on 07-06-2017. If I can be of further assistance please feel free to contact me directly at [redacted]. Sincerely, Harvard Collection Services
RE: Revdex.com Complaint Case # - [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was...
placed with us by our client on 01-05-17 · We received a dispute through E-OSCAR on 05-29-17, in which the consumer stated that the information reported is inaccurate and requested for complete ID and account information · The account was placed on Dispute status on 05-29-17 · As per the consumer’s request validation was requested from the client · The validation was mailed to the consumer on 06-07-2017 · We do not have any PHI for any of our consumers. The validation of debt was only requested upon consumer’s request. If I can be of further assistance please feel free to contact me directly at 8[redacted]. Sincerely, Harvard Collection Services Tell us why here...
RE: Revdex.com Complaint Case # - [redacted], [redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was...
placed with us by our client on 01-05-17 · We had our first contact with the consumer on 01-07-17, where the call got disconnected after verification · We received a dispute through fax on 03-08-17, where consumer requested for validation of debt · The account was moved to Dispute status and validation of debt was requested from the client on consumer request · The verification of debt was sent to the consumer on 03-23-17 on the mailing address · The deletion request has been raised to delete the account from credit reports. If I can be of further assistance please feel free to contact me directly at [redacted]. Sincerely, Harvard Collection Services
Initial Business Response /* (1000, 8, 2014/12/05) */
Your complaint has been received. A fraud packet was sent to the address on file to be completed and retuned along with any supporting documentation (police reports). HCS has not received this information back. Please complete the fraud...
packet that was sent to you on 11/6 and send it back to HCS. The account is currently in Dispute status until this information is received.
I have enclosed the letter that was sent to the address on file to ensure receipt. ([redacted]
Re: Revdex.com Complaint ID: 12065470__[redacted] We welcome and appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services (HCS). The facts as we currently understand them are: · The account was placed with us by our client on 10-11-16 · We never had a contact with the consumer on this account · On consumer request we have requested for the validation of debt with the client · The account has been placed on dispute status till further notification from the client. · We have notified the client and the account has been placed on Dispute status till we get an update from the client If I can be of further assistance please feel free to contact me directly at 877-339-5643. Sincerely, Harvard Collection Services.