This company is trying to collect on a debt that was sttled by legal arbitration in 2006. The statute of limitations on the original debt expired in 2013, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the "debt" they seek to collect. This should be illegal, though as we all know, money buys justice, today more than ever.
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
Greenville, SC 29601-2164
class="Default">
Dear [redacted]
We have read
[redacted]’s complaint and reviewed the account that has been placed with us
by our client. Customer experience is our top priority, and we are grateful
that [redacted] has brought this matter to our attention. We have entered a
request with via [redacted] for the removal of the trade line in question, that
request will take 30 to 45 days to reflect on her credit report.
If [redacted] has any further questions or concerns, we encourage her to contact our
Chief Compliance Officer [redacted] at [redacted].
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
Thank you for the opportunity to respond to Ms. [redacted]'s Complaint. Based upon our review, we...
contacted Ms. [redacted] in good faith that we were reaching out to our Consumer as the telephone number was listed as a good contact number.
We are grateful Ms. [redacted] brought to our attention that we reached her in error. Dynamic Recovery Solutions has removed Ms. [redacted]'s telephone number ([redacted] from our system and placed it onto our internal "Do Not Call" list. Dynamic Recovery Solutions will not attempt to contact Ms. [redacted] in regards to this matter.
Dynamic Recovery Solutions is a third party collection agency licensed and bonded in all applicable states to Collect on past due account for Our clients. DRS always wants to
acknowledge any concerns a Consumer expresses regarding these types of matters.
We do apologize for any inconvenience that Ms. [redacted] may have experienced.
Regards,
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 they follow through on removing the "Hard Inquiry" from my credit report AND request written confirmation from[redacted] be provided to me that it has in fact been removed.
Regards,
[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.
If Dynamic Recovery does in fact have this account they have not proven anything at this date. Also admitted in their response they reveal that the alleged debit is from a loan defaulted in 2005, Therefore they know that the debit they are claiming to attempt recovery on, is more than seven years old and can no longer be reported to any of the three credit reporting agencies. If this company continues with their attempts to collect and should they report the alleged debit I will sue them under the fair debt collection act and the fair debt reporting act in accordance with Federal Law. In my opinion Dynamic is attempting to do an illegal act of "refreshing the debit" by using illegal practices that they know are prohibited under Federal law!
Regards,[redacted]
RE: Case #[redacted],
Good afternoon,
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party 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. Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumer. We are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity. Dynamic Recovery Solutions acknowledges your dispute, and will handle accordingly. 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. If 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].
[redacted] Consumer Operations Director Revdex.com of the Upstate 408 North Church...
Street, Suite C Greenville, SC 29601
Dear Ms. [redacted],
We have read Ms. [redacted]'s complaint and reviewed the accounts that have been placed with us by our client. Dynamic Recovery Solutions (DRS) acknowledges Ms. [redacted] disputes the debt. Per company policy when a complaint of this nature is received from your office, we cease all activity on the account in our office. We have notified our client of the consumer's complaint with thorough documentation. Dynamic Recovery Solutions will no longer service this account.
Dynamic Recovery Solutions does not condone any fraudulent activity; deceptive acts, abuse or harassment of any form to a consumer.
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. We do apologize for any inconvenience that Ms. [redacted] may have experienced.
Regards,
be sure it is closed and my info is done away with thanks for you support br>
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]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,...
SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted],
We have read [redacted]’ complaint and reviewed the account that
has been placed with us by our client. Dynamic Recovery Solutions (DRS) acknowledges that [redacted] is
disputing this account and requesting no further contact except for the media
on the account that she has requested. 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, we cease all collection activity on the account in our office and the
file is returned to our client.
If [redacted] has
any further questions or concerns, we encourage her to contact our Chief Compliance
Officer [redacted] at [redacted]. We do apologize for any inconvenience
that [redacted] may have experienced.
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions did advise the consumer that we have requested all entries to be removed from their consumer report, and also, listed the normal projected completion time frame. We also sent the request forms that were sent to the consumer reporting agency. We only report to [redacted], and [redacted] only. The forms submitted indicate deletion. DRS has closed this file as complete.
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.
I am disappointed that they did not resolve things to my satisfaction after the first time they contacted me.
Regards, [redacted]
[redacted]
face="Calibri">Revdex.com of
Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
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 error. DRS 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.
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
Greenville, SC 29601-2164
class="Default">
Dear [redacted]
We have read
[redacted] complaint and reviewed the accounts that have been placed with us
by our clients. Dynamic Recovery Solutions acknowledges that [redacted] is
disputing this account and requesting no further contact.
Per company policy when a complaint of this nature is received,
we cease all activity on the account in our office and the files are returned
to our client.
If [redacted] has any further questions or concerns, we encourage her to contact our
Chief Compliance Officer [redacted] at [redacted].
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
My voice or tone was never raised to [redacted] at Dynamics Recovery Solutions and they should be ashamed of themselves for being such liars when clearly the recording shows that mu tone NEVER changed and if they felt as though it was an escalated call because their rep was RUDE and they don't want to admit it...the manager should have not been a coward and corrected her so with that being said...I will not agree with their statement until it is stated accurately.
[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. Regards,[redacted]
[redacted]Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164
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.
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 regulations. It is certainly not a practice of Dynamic Recovery Solutions to continually contact any consumer that has disputed an account. The consumer states that she has pulled her consumer report with no indication of the alleged debt. However, this is no longer a credit reporting issue due to the time lapse.
Due to several business exchanges, it is possible that a mistake could have been made by contacting the consumer at this point. Further, as a result of the turnover of accounts in the collections industry, oftentimes there is inaccurate information for contact purposes.
We acknowledge that the consumer is disputing this account. Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. We sincerely apologize for any inconvenience this may have caused for the consumer. If 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.
It is alleged in responce by the business that I have contacted them to advise that the debt in question was discharged in Chapter 7 Bancruptcy.
That's not true.
Since I don't know what debt the agency was trying to collect there was no way for me to definitively state that it was discharged in Chapter 7 Bancruptcy.
What I did was asking them to provide any verification of the debt. At some point during conversation the agency admitted that they have no record of alleged debt except that it is dated from year 2001. At this point I replied that IF THERE WAS ANY DEBT AT ALL IT WOULD HAVE BEEN DISCHARGED IN 2004, WHEN I HAD CHAPTER 7 BANCRUPTCY FILED AND DISCHARGED IN FEDERAL COURT OF NEW JERSEY. I did NOT say that the debt they allege I owe them was discharged as well, because I DO NOT KNOW WHAT DEBT THIS AGENCY REFERS TO.
When agency claimed to be a "Third party collector" , I demanded them (including IN WRITING) to VALIDATE and to provide me with full contact information of current onwer of the alleged debt. As of this day I DO NOT HAVE THIS INFORMATION, even though I have requested it from the agency.
The agency also committed a major violation of law IF IT INDEED tried to collect the debt which was discharged in Chapter 7 Bancruptcy case and I intend to use ALL LEGAL MEANS available to me to pursue this matter in Court of Law. I hereby request FULL DISCLOSURE of all the information from the agency, including the full contact information of the current owner of the alleged debt and full disclosure/itemization of the account numbers/debt that I allegedly owed them.
Regards,
[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],
Good morning [redacted],
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clients. Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumer. We...
are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity.
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 account. It appears that we attempted to send those notices on two separate occasions: 3 March 2014, and 12 September 2014 to the address of: [redacted], and we have not received them returned to this office as undeliverable mail. The alleged account was referred to our office on 7 June 2013, and information reported shows that the account was opened on 30 May 2008, and went into default 13 August 2008 (sold into collections). Further, 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 collector.
We acknowledge that you are disputing this account due to ID theft and fraud. Unfortunately, the industry of debt collections can at times receive accounts from our clients where contact information is either incorrect and/or outdated. The agency then uses a process called acquisition of location information (skip tracing) to acquire correct and/or current information, and it can be incorrect as well, in spite of due diligence efforts for accurate information.
Further, you stated that there was a toll free number of [redacted] on your consumer report to contact that agency. However, that is not one of our telephone numbers used on consumer reports, [redacted] is typically the one listed answered by a live representative.
Per the Fair Credit Reporting Act the consumer does have several rights under this Act, and one being the consumer has the right to dispute incomplete or inaccurate information, and if you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Also, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Subsequently, we have not violated any laws under this Act. We have also honored your request in updating your consumer report as requested.
Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. We sincerely apologize for any inconvenience this may have caused on your behalf. If 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]
[redacted]
face="Calibri">Revdex.com of
Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted]
We have read
[redacted]’s complaint and reviewed the account that has been placed with us by
our client. Dynamic Recovery Solutions acknowledges that [redacted] is
disputing this account. Per
company policy when a complaint of this nature is received, we cease all
activity on the account in our office and the file is returned to our client.
If [redacted] has any further questions or concerns, we
encourage her to contact our Chief Compliance Officer [redacted] at r[redacted] We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
This company is trying to collect on a debt that was sttled by legal arbitration in 2006. The statute of limitations on the original debt expired in 2013, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the "debt" they seek to collect. This should be illegal, though as we all know, money buys justice, today more than ever.
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
Greenville, SC 29601-2164
class="Default">
Dear [redacted]
We have read
[redacted]’s complaint and reviewed the account that has been placed with us
by our client. Customer experience is our top priority, and we are grateful
that [redacted] has brought this matter to our attention. We have entered a
request with via [redacted] for the removal of the trade line in question, that
request will take 30 to 45 days to reflect on her credit report.
If [redacted] has any further questions or concerns, we encourage her to contact our
Chief Compliance Officer [redacted] at [redacted].
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
Thank you for the opportunity to respond to Ms. [redacted]'s Complaint. Based upon our review, we...
contacted Ms. [redacted] in good faith that we were reaching out to our Consumer as the telephone number was listed as a good contact number.
We are grateful Ms. [redacted] brought to our attention that we reached her in error. Dynamic Recovery Solutions has removed Ms. [redacted]'s telephone number ([redacted] from our system and placed it onto our internal "Do Not Call" list. Dynamic Recovery Solutions will not attempt to contact Ms. [redacted] in regards to this matter.
Dynamic Recovery Solutions is a third party collection agency licensed and bonded in all applicable states to Collect on past due account for Our clients. DRS always wants to
acknowledge any concerns a Consumer expresses regarding these types of matters.
We do apologize for any inconvenience that Ms. [redacted] may have experienced.
Regards,
Jeremy M[redacted] Compliance Representative
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 they follow through on removing the "Hard Inquiry" from my credit report AND request written confirmation from[redacted] be provided to me that it has in fact been removed.
Regards,
[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.
If Dynamic Recovery does in fact have this account they have not proven anything at this date. Also admitted in their response they reveal that the alleged debit is from a loan defaulted in 2005, Therefore they know that the debit they are claiming to attempt recovery on, is more than seven years old and can no longer be reported to any of the three credit reporting agencies. If this company continues with their attempts to collect and should they report the alleged debit I will sue them under the fair debt collection act and the fair debt reporting act in accordance with Federal Law. In my opinion Dynamic is attempting to do an illegal act of "refreshing the debit" by using illegal practices that they know are prohibited under Federal law!
Regards,[redacted]
RE: Case #[redacted],
Good afternoon,
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party 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. Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumer. We are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity. Dynamic Recovery Solutions acknowledges your dispute, and will handle accordingly. 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. If 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].
[redacted] Consumer Operations Director Revdex.com of the Upstate 408 North Church...
Street, Suite C Greenville, SC 29601
Dear Ms. [redacted],
We have read Ms. [redacted]'s complaint and reviewed the accounts that have been placed with us by our client. Dynamic Recovery Solutions (DRS) acknowledges Ms. [redacted] disputes the debt. Per company policy when a complaint of this nature is received from your office, we cease all activity on the account in our office. We have notified our client of the consumer's complaint with thorough documentation. Dynamic Recovery Solutions will no longer service this account.
Dynamic Recovery Solutions does not condone any fraudulent activity; deceptive acts, abuse or harassment of any form to a consumer.
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. We do apologize for any inconvenience that Ms. [redacted] may have experienced.
Regards,
[redacted] Compliance Representative
be sure it is closed and my info is done away with thanks for you support br>
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]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,...
SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted],
We have read [redacted]’ complaint and reviewed the account that
has been placed with us by our client. Dynamic Recovery Solutions (DRS) acknowledges that [redacted] is
disputing this account and requesting no further contact except for the media
on the account that she has requested. 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, we cease all collection activity on the account in our office and the
file is returned to our client.
If [redacted] has
any further questions or concerns, we encourage her to contact our Chief Compliance
Officer [redacted] at [redacted]. We do apologize for any inconvenience
that [redacted] may have experienced.
Regards,
[redacted]
Compliance Representative
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions did advise the consumer that we have requested all entries to be removed from their consumer report, and also, listed the normal projected completion time frame. We also sent the request forms that were sent to the consumer reporting agency. We only report to [redacted], and [redacted] only. The forms submitted indicate deletion. DRS has closed this file as complete.
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.
I am disappointed that they did not resolve things to my satisfaction after the first time they contacted me.
Regards, [redacted]
[redacted]
face="Calibri">Revdex.com of
Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
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 error. DRS 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]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
Greenville, SC 29601-2164
class="Default">
Dear [redacted]
We have read
[redacted] complaint and reviewed the accounts that have been placed with us
by our clients. Dynamic Recovery Solutions acknowledges that [redacted] is
disputing this account and requesting no further contact.
Per company policy when a complaint of this nature is received,
we cease all activity on the account in our office and the files are returned
to our client.
If [redacted] has any further questions or concerns, we encourage her to contact our
Chief Compliance Officer [redacted] at [redacted].
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
My voice or tone was never raised to [redacted] at Dynamics Recovery Solutions and they should be ashamed of themselves for being such liars when clearly the recording shows that mu tone NEVER changed and if they felt as though it was an escalated call because their rep was RUDE and they don't want to admit it...the manager should have not been a coward and corrected her so with that being said...I will not agree with their statement until it is stated accurately.
[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. Regards,[redacted]
March 5, 2014
[redacted]Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164
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]%3
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 regulations. It is certainly not a practice of Dynamic Recovery Solutions to continually contact any consumer that has disputed an account. The consumer states that she has pulled her consumer report with no indication of the alleged debt. However, this is no longer a credit reporting issue due to the time lapse.
Due to several business exchanges, it is possible that a mistake could have been made by contacting the consumer at this point. Further, as a result of the turnover of accounts in the collections industry, oftentimes there is inaccurate information for contact purposes.
We acknowledge that the consumer is disputing this account. Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, the account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. We sincerely apologize for any inconvenience this may have caused for the consumer. If 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.
It is alleged in responce by the business that I have contacted them to advise that the debt in question was discharged in Chapter 7 Bancruptcy.
That's not true.
Since I don't know what debt the agency was trying to collect there was no way for me to definitively state that it was discharged in Chapter 7 Bancruptcy.
What I did was asking them to provide any verification of the debt. At some point during conversation the agency admitted that they have no record of alleged debt except that it is dated from year 2001. At this point I replied that IF THERE WAS ANY DEBT AT ALL IT WOULD HAVE BEEN DISCHARGED IN 2004, WHEN I HAD CHAPTER 7 BANCRUPTCY FILED AND DISCHARGED IN FEDERAL COURT OF NEW JERSEY. I did NOT say that the debt they allege I owe them was discharged as well, because I DO NOT KNOW WHAT DEBT THIS AGENCY REFERS TO.
When agency claimed to be a "Third party collector" , I demanded them (including IN WRITING) to VALIDATE and to provide me with full contact information of current onwer of the alleged debt. As of this day I DO NOT HAVE THIS INFORMATION, even though I have requested it from the agency.
The agency also committed a major violation of law IF IT INDEED tried to collect the debt which was discharged in Chapter 7 Bancruptcy case and I intend to use ALL LEGAL MEANS available to me to pursue this matter in Court of Law. I hereby request FULL DISCLOSURE of all the information from the agency, including the full contact information of the current owner of the alleged debt and full disclosure/itemization of the account numbers/debt that I allegedly owed them.
Regards,
[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],
Good morning [redacted],
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clients. Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumer. We...
are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity.
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 account. It appears that we attempted to send those notices on two separate occasions: 3 March 2014, and 12 September 2014 to the address of: [redacted], and we have not received them returned to this office as undeliverable mail. The alleged account was referred to our office on 7 June 2013, and information reported shows that the account was opened on 30 May 2008, and went into default 13 August 2008 (sold into collections). Further, 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 collector.
We acknowledge that you are disputing this account due to ID theft and fraud. Unfortunately, the industry of debt collections can at times receive accounts from our clients where contact information is either incorrect and/or outdated. The agency then uses a process called acquisition of location information (skip tracing) to acquire correct and/or current information, and it can be incorrect as well, in spite of due diligence efforts for accurate information.
Further, you stated that there was a toll free number of [redacted] on your consumer report to contact that agency. However, that is not one of our telephone numbers used on consumer reports, [redacted] is typically the one listed answered by a live representative.
Per the Fair Credit Reporting Act the consumer does have several rights under this Act, and one being the consumer has the right to dispute incomplete or inaccurate information, and if you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Also, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Subsequently, we have not violated any laws under this Act. We have also honored your request in updating your consumer report as requested.
Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. We sincerely apologize for any inconvenience this may have caused on your behalf. If 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]
[redacted]
face="Calibri">Revdex.com of
Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted]
We have read
[redacted]’s complaint and reviewed the account that has been placed with us by
our client. Dynamic Recovery Solutions acknowledges that [redacted] is
disputing this account. Per
company policy when a complaint of this nature is received, we cease all
activity on the account in our office and the file is returned to our client.
If [redacted] has any further questions or concerns, we
encourage her to contact our Chief Compliance Officer [redacted] at r[redacted] We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative