Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a legitimate collection agency that collects on past due accounts for our clientsDynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to themPer company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe have flagged the account accordinglyIt has been closed in our office and returned to our client, with notation of this complaintThere will be no further collection activity from Dynamic Recovery Solutions, LLC regarding this accountSincerely, [redacted] Compliance Administrator Dynamic Recovery Solutions [redacted]
March 24, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients Customer service is our top priority and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulations I apologize for the behavior of the agents who handled this call Further discipline action has been taken for the way the call was handled Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further contact with the consumer from Dynamic Recovery Solutions regarding this account Sincerely, Compliance Administrator Dynamic Recovery Solutions [redacted]
RE: Revdex.com Case #: [redacted] Good afternoon [redacted] , Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumerWe are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activityCustomer service is our TOP priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsI have personally monitored all phone calls where we spoke to your girlfriend, and our representative was more than professional, and politeThere were no comments regarding any threats to freeze your banking accountIn fact, your girlfriend inquired as to making payments and/or settlement on the account to assist you due to your unemployment this yearPerhaps, you are referring to a different agencyI have attached items for your review as wellPer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf you have any further questions or concerns, we encourage you to contact our customer service department at [email protected] or our toll free telephone number at [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 me, so long as my credit score is elected by the changes I shall be checking the reports regularly to ensure that the reporting is correct and proper Regards, [redacted]
February 28, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been made Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Sincerely, [redacted] ***Dynamic Recovery Solutions [redacted]
[redacted] Revdex.com of Upstate South Carolina (Greenville, SC) North Church Street, Suite C Greenville, SC 29601- class="Default"> Dear [redacted] We have read Ms [redacted] complaint and reviewed the account that has been placed with us by our clientCustomer experience is our top priority, and we are grateful that the Ms [redacted] has brought this matter to our attentionWe have entered a request with via E-Oscar for the removal of the trade line in question, that request will process will take to days to reflect on her credit report Per company policy when a complaint of this nature is received, we cease all activity on the accounts in our office and the files are returned to our client If Ms [redacted] has any further questions or concerns, we encourage her to contact our Chief Compliance Officer [redacted] ***@gotodrs.com We do apologize for any inconvenience that Ms [redacted] may have experienced Regards, [redacted] Compliance Representative
February 28, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been made Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Sincerely, [redacted] ***Dynamic Recovery Solutions [redacted]
[redacted] Consumer Operations Director Revdex.com of the Upstate North Church Street, Suite C Greenville, SC Dear [redacted] , We have read Mr [redacted] ’s complaint and reviewed the account that has been placed with us by our client Dynamic Recovery Solutions acknowledges that Mr [redacted] disputes this debt Per company policy when a complaint of this nature is received we cease all activity on the account in our office There will be no further contact from Dynamic Recovery Solutions In response to Mr [redacted] concern about his credit, Dynamic Recovery Solutions has not reported to the credit bureaus, nor will we report anything in future Dynamic Recovery Solutions is a third party collection agency licensed in all applicable states to collect on past due accounts for our clients DRS always wants to acknowledge any concerns a consumer expresses regarding these type of matters If Mr [redacted] has any further questions or concerns, we encourage him to contact our Chief Compliance Officer [redacted] com We do apologize for any inconvenience that Mr [redacted] may have experienced Regards, [redacted] Compliance Representative
Revdex.com Case #; [redacted] Customer service is our TOP priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsI have personally monitored all phone calls where the consumer and their spouse spoke to our representatives, and the representative was more than professional, patient, informative, and politeIn fact, the consumer and their spouse seemed to be mildly aggressive to the representative Perhaps there was some misunderstanding on the consumer’s behalf, because I never heard their tone become less than cordialDynamic Recovery Solutions would definitely administer disciplinary action when necessary Dynamic Recovery Solutions is a legitimate third party collection agency that collects on past due accounts for our clientsThe original creditor exhausted their collection attempts when they did not receive a paymentThe account is normally sold into collections, so that the original creditor can recoup their loss for non-payment of the defaulted accountThe original creditor does not normally house that information in their systems for long periods of time as they have been reimbursed for any loss of funds by selling the account into the industry of collections Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumerWe are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity The consumer stated that she has never received any proof of the alleged debtDRS always want to acknowledge any concerns a consumer expresses regarding these type of matters of disputing the account, and DRS did send a validation letter February 2015, in compliance with the Fair Debt Collections Practices Act to the address on file, and has not been returned undeliverable to this office The initial correspondence is a validation notification as well, and has all contents per Fair Debt Collections Practices Act, plus it also gave options to resolve the debt, the notice included: •the amount of the debt; •the name of the creditor to whom the debt is owed; • a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; • a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and • a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor • If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector Typically any contact information would be a part of the original contract that was sold into collections, including, but not limited to, telephone number, address, etc Further, any personal identifiable information comes with the file from our clientThe PII such as social security number, and/or date of birth are normally accurate when the account is placed with our officePer company policy, and the Fair Debt Collections Practices Act, the agent must verify at least one piece of PII to ensure we are not divulging personal information to an incorrect party, while this also protects the consumer’s right to privacy The consumer also stated that that there was some type of identity theft in the past and all their accounts were on hold with the consumer reporting agencies for more than 3- yearsFurther, that there was a [redacted] credit card, not a [redacted] , and the [redacted] was settled out of court during that time The consumer’s spouse did not understand why the account was no longer listed on the credit bureau, if in fact it was listed at anytime in the past, the Fair Credit Reporting Act will only allow it to be listed a total of seven years By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company MUST permanently cease in relation to this account Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
April 9, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been made Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Sincerely, Compliance Administrator Dynamic Recovery Solutions [redacted] %
[redacted] face="Calibri">Revdex.com of Upstate South Carolina (Greenville, SC) North Church Street, Suite C Greenville, SC 29601- Dear [redacted] We have read [redacted] complaint and reviewed the account that has been placed with us by our client It seems that [redacted] received a letter from Dynamic Recovery Solutions (DRS) in errorDRS acknowledges that [redacted] is disputing the account and in compliance with the Fair Debt Collection Practices Act (FDCPA) we have ceased all activity on this account and it will no longer be serviced in our office If [redacted] has any further questions or concerns, we encourage her to contact our Chief Compliance Officer [redacted] at [redacted] We sincerely apologize for any inconvenience that the consumer may have experienced Regards, [redacted] ***
Revdex.com Case #: [redacted] Customer service is our TOP priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsOur representative was extremely cordial, and addressed all the consumer’s questionsDRS always want to acknowledge any concerns a consumer expresses regarding these type of matters of disputing the account, and DRS has sent the dispute letter in compliance with the Fair Debt Collections Practices ActTypically any personal and/or contact information would be a part of the original contract that was sold into collections, including, but not limited to, telephone number, address, etcOur representatives are trained to identify at least one or two pieces of personal identifiable information to ensure the privacy rights of the consumer The consumer stated that they have never had a [redacted] accountI have attached several telephone numbers associated with current and/or prior addresses for the consumer, and possibly some family membersOftentimes, due to several business transactions it is quite possible that the consumer would not recognize the creditor as statedMany times companies make business decisions to recoup their losses and/or increase gains where they will undergo acquisitions and/or mergers with other companiesIt is quite possible that the consumer does not recognize [redacted] as the creditor due to potential mergers Due to the collection industry it is possible that the consumer was reached in errorThis is no longer a credit reporting issue per the Fair Credit Reporting Act By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company MUST permanently cease in relation to this account Dynamic Recovery Solutions also accepts verbal cease & desistPer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
RE: Revdex.com Case # [redacted] Response Rejection Dear [redacted] , Customer service is our top priority, and all complaints and/or concerns are dealt with according to their specific needs with high regard for federal and state laws and regulationsDynamic Recovery Solutions is a legitimate third party collection agency that collects on past due accounts for our clientsIn the collections industry our client may sell their unpaid accounts several times and to several different businesses over the yearsDue to several business exchanges, it is possible that a mistake could have been madeHowever, we do not house the original media in our officeA formal request for media has been requested from our client on 8-27-14, and typically, it takes at minimum at least two weeks if the original media is available, we will forward the original media for your reviewUnfortunately, there really is no reasonable way to separate the validity of an account versus the existence of an account without the original media, as we have requested on your behalfIt would be our pleasure [redacted] to update your records with any identity theft information you wish to provideOtherwise at this juncture Dynamic Recovery Solutions has cease & desist your account pending information regarding the original media requestPlease feel free to contact the Compliance Department directly if you have additional questions or concernsWith Best Regards, [redacted] Compliance Auditor [redacted]
Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clientsCustomer service is our top priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsI have personally monitored this phone call, and I sincerely apologize for the behavior of the agent who handled the callPer company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe have flagged the account accordinglyIt has been closed in our office and returned to our clientThere will be no further contact with the consumer from Dynamic Recovery Solutions regarding this accountWith Best Regards, [redacted] Compliance Auditor [redacted]
Revdex.com Case #: [redacted] Customer service is our TOP priority, and we appreciate the consumer bringing this matter to our attentionDynamic Recovery Solutions is a legitimate third party collection agencyThe alleged account was sold into collections after non-payment, and placed with our agency on April The creditor [redacted] originates from [redacted] ***, and is the only area to obtain any type of credit with this creditorWithin the collection industry it is extremely possible to make an error in attempting to contact individuals who may have similar first or last namesWe sincerely apologize if this has caused any inconvenience to the consumerAlso, this is no longer a credit reporting issue, and DRS has made no attempt to impede their consumer reportPer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterDynamic Recovery Solutions hours of operation are: Monday - Friday 8:am till 9:pm EST local time, and Saturday from 9:am till 1:pm EST local time If the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
Revdex.com Case #: [redacted] Customer service is our top priority, and we appreciate your bringing this to our attentionTypically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the yearsDue to several business exchanges, it is possible that a mistake could have been made by erroneously contacting the wrong person, and we sincerely apologize for any inconvenience this may have caused on your behalfWe have also taken the necessary steps to ensure your consumer report has been updated, if applicablePer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf you have any further questions or concerns, we encourage you to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I had requested no further contact several months ago in addition to the request of no more callsThus, Dynamic Recovery Solutions assertion that all that's needed is a request to stop contact is patently falseFurthermore, their response still indicates a refusal to accept that mistakes were in fact madeTheir response is canned, near verbatim response of what has already been sent and represents no good faith effort to ensure that these mistakes will not be made in the futureThere is also no indication that they'll cease contact with me on any other accounts they might mistakenly link to me, only the indicated account This complaint may be considered closed as consumer unsatisfied with responseAny further dissatisfaction with this company will be addressed outside of Revdex.com Regards, [redacted] ***
February 11, [redacted] justify;">Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been madeAccording to our records the consumer stated this account was covered in a bankruptcy, to continue to collect a debt the consumer states has been covered through a bankruptcy is a violation of federal lawIn United States bankruptcy law, an automatic stay is an automatic injunction that halts actions by creditors, with certain exceptions, to collect debts from a debtor who has declared bankruptcyTherefore DRS is not going to send the consumer a letter or contact them in regards to this debt, it would be illegalDRS can send the consumer a letter informing them this account is closed as per company policy Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Attachment: Inquiry Deletion Request Sincerely, Compliance Administrator Dynamic Recovery Solutions [redacted] %
[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 me Regards, [redacted] ***
Revdex.com Case #: [redacted] Dynamic Recovery Solutions has received the consumer's complaint regarding non-receipt for verification of debt requested in writing on December The account was referred to Dynamic Recovery Solutions on April DRS has not received any correspondence from the consumer regarding verification of debt to datePer Fair Debt Collections Practices Act (FDCPA)We are required by the Fair Debt Collections Practices Act to send validation notification within a particular time frame in regards to the alleged debt to provide options and/or your right to dispute the accountFurther, this notice gives you several rights, and according to the Fair Debt Collections Practices Act; debt validation letter must include the following information: • The amount of the debt; • The name of the creditor to whom the debt is owed; • a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; • a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and • a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor • If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collectorDRS has made several attempts to reach the consumer to no avail (see attached) DRS also made several attempts to send verification of debt to addresses: [redacted] ***, and [redacted] ***, both items were returned undeliverableIt appears that both addresses are incorrectDRS has requested the media from our client on February Dynamic Recovery Solutions is a 3rd party collection agencyTherefore, we do not have immediate access to the original media documents requestedDRS will submit a formal request for the files, which may take a whileTaking the consumer’s time into consideration, DRS will not leave this request open indefinitelyThe consumer will eventually receive one of two items; the original media documents or a notice that the account has been closed at the DRS office By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company MUST permanently cease in relation to this account Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter Dynamic Recovery Solutions hours of operation are: Monday - Friday 8:am till 9:pm EST local time, and Saturday from 9:am till 1:pm EST local time If the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a legitimate collection agency that collects on past due accounts for our clientsDynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to themPer company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe have flagged the account accordinglyIt has been closed in our office and returned to our client, with notation of this complaintThere will be no further collection activity from Dynamic Recovery Solutions, LLC regarding this accountSincerely, [redacted] Compliance Administrator Dynamic Recovery Solutions [redacted]
March 24, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients Customer service is our top priority and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulations I apologize for the behavior of the agents who handled this call Further discipline action has been taken for the way the call was handled Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further contact with the consumer from Dynamic Recovery Solutions regarding this account Sincerely, Compliance Administrator Dynamic Recovery Solutions [redacted]
RE: Revdex.com Case #: [redacted] Good afternoon [redacted] , Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumerWe are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activityCustomer service is our TOP priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsI have personally monitored all phone calls where we spoke to your girlfriend, and our representative was more than professional, and politeThere were no comments regarding any threats to freeze your banking accountIn fact, your girlfriend inquired as to making payments and/or settlement on the account to assist you due to your unemployment this yearPerhaps, you are referring to a different agencyI have attached items for your review as wellPer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf you have any further questions or concerns, we encourage you to contact our customer service department at [email protected] or our toll free telephone number at [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 me, so long as my credit score is elected by the changes I shall be checking the reports regularly to ensure that the reporting is correct and proper Regards, [redacted]
February 28, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been made Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Sincerely, [redacted] ***Dynamic Recovery Solutions [redacted]
[redacted] Revdex.com of Upstate South Carolina (Greenville, SC) North Church Street, Suite C Greenville, SC 29601- class="Default"> Dear [redacted] We have read Ms [redacted] complaint and reviewed the account that has been placed with us by our clientCustomer experience is our top priority, and we are grateful that the Ms [redacted] has brought this matter to our attentionWe have entered a request with via E-Oscar for the removal of the trade line in question, that request will process will take to days to reflect on her credit report Per company policy when a complaint of this nature is received, we cease all activity on the accounts in our office and the files are returned to our client If Ms [redacted] has any further questions or concerns, we encourage her to contact our Chief Compliance Officer [redacted] ***@gotodrs.com We do apologize for any inconvenience that Ms [redacted] may have experienced Regards, [redacted] Compliance Representative
February 28, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been made Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Sincerely, [redacted] ***Dynamic Recovery Solutions [redacted]
[redacted] Consumer Operations Director Revdex.com of the Upstate North Church Street, Suite C Greenville, SC Dear [redacted] , We have read Mr [redacted] ’s complaint and reviewed the account that has been placed with us by our client Dynamic Recovery Solutions acknowledges that Mr [redacted] disputes this debt Per company policy when a complaint of this nature is received we cease all activity on the account in our office There will be no further contact from Dynamic Recovery Solutions In response to Mr [redacted] concern about his credit, Dynamic Recovery Solutions has not reported to the credit bureaus, nor will we report anything in future Dynamic Recovery Solutions is a third party collection agency licensed in all applicable states to collect on past due accounts for our clients DRS always wants to acknowledge any concerns a consumer expresses regarding these type of matters If Mr [redacted] has any further questions or concerns, we encourage him to contact our Chief Compliance Officer [redacted] com We do apologize for any inconvenience that Mr [redacted] may have experienced Regards, [redacted] Compliance Representative
Revdex.com Case #; [redacted] Customer service is our TOP priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsI have personally monitored all phone calls where the consumer and their spouse spoke to our representatives, and the representative was more than professional, patient, informative, and politeIn fact, the consumer and their spouse seemed to be mildly aggressive to the representative Perhaps there was some misunderstanding on the consumer’s behalf, because I never heard their tone become less than cordialDynamic Recovery Solutions would definitely administer disciplinary action when necessary Dynamic Recovery Solutions is a legitimate third party collection agency that collects on past due accounts for our clientsThe original creditor exhausted their collection attempts when they did not receive a paymentThe account is normally sold into collections, so that the original creditor can recoup their loss for non-payment of the defaulted accountThe original creditor does not normally house that information in their systems for long periods of time as they have been reimbursed for any loss of funds by selling the account into the industry of collections Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumerWe are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity The consumer stated that she has never received any proof of the alleged debtDRS always want to acknowledge any concerns a consumer expresses regarding these type of matters of disputing the account, and DRS did send a validation letter February 2015, in compliance with the Fair Debt Collections Practices Act to the address on file, and has not been returned undeliverable to this office The initial correspondence is a validation notification as well, and has all contents per Fair Debt Collections Practices Act, plus it also gave options to resolve the debt, the notice included: •the amount of the debt; •the name of the creditor to whom the debt is owed; • a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; • a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and • a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor • If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector Typically any contact information would be a part of the original contract that was sold into collections, including, but not limited to, telephone number, address, etc Further, any personal identifiable information comes with the file from our clientThe PII such as social security number, and/or date of birth are normally accurate when the account is placed with our officePer company policy, and the Fair Debt Collections Practices Act, the agent must verify at least one piece of PII to ensure we are not divulging personal information to an incorrect party, while this also protects the consumer’s right to privacy The consumer also stated that that there was some type of identity theft in the past and all their accounts were on hold with the consumer reporting agencies for more than 3- yearsFurther, that there was a [redacted] credit card, not a [redacted] , and the [redacted] was settled out of court during that time The consumer’s spouse did not understand why the account was no longer listed on the credit bureau, if in fact it was listed at anytime in the past, the Fair Credit Reporting Act will only allow it to be listed a total of seven years By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company MUST permanently cease in relation to this account Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
April 9, [redacted] Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been made Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Sincerely, Compliance Administrator Dynamic Recovery Solutions [redacted] %
[redacted] face="Calibri">Revdex.com of Upstate South Carolina (Greenville, SC) North Church Street, Suite C Greenville, SC 29601- Dear [redacted] We have read [redacted] complaint and reviewed the account that has been placed with us by our client It seems that [redacted] received a letter from Dynamic Recovery Solutions (DRS) in errorDRS acknowledges that [redacted] is disputing the account and in compliance with the Fair Debt Collection Practices Act (FDCPA) we have ceased all activity on this account and it will no longer be serviced in our office If [redacted] has any further questions or concerns, we encourage her to contact our Chief Compliance Officer [redacted] at [redacted] We sincerely apologize for any inconvenience that the consumer may have experienced Regards, [redacted] ***
Revdex.com Case #: [redacted] Customer service is our TOP priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsOur representative was extremely cordial, and addressed all the consumer’s questionsDRS always want to acknowledge any concerns a consumer expresses regarding these type of matters of disputing the account, and DRS has sent the dispute letter in compliance with the Fair Debt Collections Practices ActTypically any personal and/or contact information would be a part of the original contract that was sold into collections, including, but not limited to, telephone number, address, etcOur representatives are trained to identify at least one or two pieces of personal identifiable information to ensure the privacy rights of the consumer The consumer stated that they have never had a [redacted] accountI have attached several telephone numbers associated with current and/or prior addresses for the consumer, and possibly some family membersOftentimes, due to several business transactions it is quite possible that the consumer would not recognize the creditor as statedMany times companies make business decisions to recoup their losses and/or increase gains where they will undergo acquisitions and/or mergers with other companiesIt is quite possible that the consumer does not recognize [redacted] as the creditor due to potential mergers Due to the collection industry it is possible that the consumer was reached in errorThis is no longer a credit reporting issue per the Fair Credit Reporting Act By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company MUST permanently cease in relation to this account Dynamic Recovery Solutions also accepts verbal cease & desistPer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
RE: Revdex.com Case # [redacted] Response Rejection Dear [redacted] , Customer service is our top priority, and all complaints and/or concerns are dealt with according to their specific needs with high regard for federal and state laws and regulationsDynamic Recovery Solutions is a legitimate third party collection agency that collects on past due accounts for our clientsIn the collections industry our client may sell their unpaid accounts several times and to several different businesses over the yearsDue to several business exchanges, it is possible that a mistake could have been madeHowever, we do not house the original media in our officeA formal request for media has been requested from our client on 8-27-14, and typically, it takes at minimum at least two weeks if the original media is available, we will forward the original media for your reviewUnfortunately, there really is no reasonable way to separate the validity of an account versus the existence of an account without the original media, as we have requested on your behalfIt would be our pleasure [redacted] to update your records with any identity theft information you wish to provideOtherwise at this juncture Dynamic Recovery Solutions has cease & desist your account pending information regarding the original media requestPlease feel free to contact the Compliance Department directly if you have additional questions or concernsWith Best Regards, [redacted] Compliance Auditor [redacted]
Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clientsCustomer service is our top priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulationsI have personally monitored this phone call, and I sincerely apologize for the behavior of the agent who handled the callPer company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe have flagged the account accordinglyIt has been closed in our office and returned to our clientThere will be no further contact with the consumer from Dynamic Recovery Solutions regarding this accountWith Best Regards, [redacted] Compliance Auditor [redacted]
Revdex.com Case #: [redacted] Customer service is our TOP priority, and we appreciate the consumer bringing this matter to our attentionDynamic Recovery Solutions is a legitimate third party collection agencyThe alleged account was sold into collections after non-payment, and placed with our agency on April The creditor [redacted] originates from [redacted] ***, and is the only area to obtain any type of credit with this creditorWithin the collection industry it is extremely possible to make an error in attempting to contact individuals who may have similar first or last namesWe sincerely apologize if this has caused any inconvenience to the consumerAlso, this is no longer a credit reporting issue, and DRS has made no attempt to impede their consumer reportPer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterDynamic Recovery Solutions hours of operation are: Monday - Friday 8:am till 9:pm EST local time, and Saturday from 9:am till 1:pm EST local time If the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
Revdex.com Case #: [redacted] Customer service is our top priority, and we appreciate your bringing this to our attentionTypically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the yearsDue to several business exchanges, it is possible that a mistake could have been made by erroneously contacting the wrong person, and we sincerely apologize for any inconvenience this may have caused on your behalfWe have also taken the necessary steps to ensure your consumer report has been updated, if applicablePer company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matterIf you have any further questions or concerns, we encourage you to contact our customer service department at [redacted] or our toll free telephone number at [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I had requested no further contact several months ago in addition to the request of no more callsThus, Dynamic Recovery Solutions assertion that all that's needed is a request to stop contact is patently falseFurthermore, their response still indicates a refusal to accept that mistakes were in fact madeTheir response is canned, near verbatim response of what has already been sent and represents no good faith effort to ensure that these mistakes will not be made in the futureThere is also no indication that they'll cease contact with me on any other accounts they might mistakenly link to me, only the indicated account This complaint may be considered closed as consumer unsatisfied with responseAny further dissatisfaction with this company will be addressed outside of Revdex.com Regards, [redacted] ***
February 11, [redacted] justify;">Dispute Resolution Director Revdex.com of Upstate S.C North Church Street Greenville, SC 29601- RE: [redacted] Dear [redacted] , Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years Due to several business exchanges, it is possible that a mistake could have been madeAccording to our records the consumer stated this account was covered in a bankruptcy, to continue to collect a debt the consumer states has been covered through a bankruptcy is a violation of federal lawIn United States bankruptcy law, an automatic stay is an automatic injunction that halts actions by creditors, with certain exceptions, to collect debts from a debtor who has declared bankruptcyTherefore DRS is not going to send the consumer a letter or contact them in regards to this debt, it would be illegalDRS can send the consumer a letter informing them this account is closed as per company policy Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status We have flagged the account accordingly It has been closed in our office and returned to our client There will be no further collection activity from DRS regarding this account Attachment: Inquiry Deletion Request Sincerely, Compliance Administrator Dynamic Recovery Solutions [redacted] %
[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 me Regards, [redacted] ***
Revdex.com Case #: [redacted] Dynamic Recovery Solutions has received the consumer's complaint regarding non-receipt for verification of debt requested in writing on December The account was referred to Dynamic Recovery Solutions on April DRS has not received any correspondence from the consumer regarding verification of debt to datePer Fair Debt Collections Practices Act (FDCPA)We are required by the Fair Debt Collections Practices Act to send validation notification within a particular time frame in regards to the alleged debt to provide options and/or your right to dispute the accountFurther, this notice gives you several rights, and according to the Fair Debt Collections Practices Act; debt validation letter must include the following information: • The amount of the debt; • The name of the creditor to whom the debt is owed; • a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; • a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and • a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor • If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collectorDRS has made several attempts to reach the consumer to no avail (see attached) DRS also made several attempts to send verification of debt to addresses: [redacted] ***, and [redacted] ***, both items were returned undeliverableIt appears that both addresses are incorrectDRS has requested the media from our client on February Dynamic Recovery Solutions is a 3rd party collection agencyTherefore, we do not have immediate access to the original media documents requestedDRS will submit a formal request for the files, which may take a whileTaking the consumer’s time into consideration, DRS will not leave this request open indefinitelyThe consumer will eventually receive one of two items; the original media documents or a notice that the account has been closed at the DRS office By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company MUST permanently cease in relation to this account Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter Dynamic Recovery Solutions hours of operation are: Monday - Friday 8:am till 9:pm EST local time, and Saturday from 9:am till 1:pm EST local time If the consumer has any further questions or concerns, we encourage them to contact our customer service department at [redacted] or our toll free telephone number at [redacted]