RE: Revdex.com Case No:
[redacted]
Good afternoon [redacted],
?
Dynamic Recovery Solutions is a legitimate third party 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, and we apologize for any inconvenience this may have caused on your behalf. Further, this account is no longer a credit reporting issue, and Dynamic Recovery Solutions has made no attempts to do so under the Fair Credit Reporting Act. 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 does acknowledge that the account is not within the statute of limitations, which would imply we had an intention to pursue legal action, and that is far from any current or future action on our behalf. The statutes of limitations provide a time frame against you by a creditor to recoup their financial loss legally. The monies are still owed after that time frame has expired. It appears that Dynamic Recovery Solutions made several attempts to provide The validation notice as required by law, and explains your rights regarding the alleged debt. Further, it provides you with the option of disputing the alleged debt within 30 days of receipt of the validation notification, and provides options for getting the alleged account resolved. The address locations on 6-3-2014 20214 [redacted], and on 9-12-2014 to[redacted]. Further, as a result of the turnover of accounts in the collections industry, oftentimes there is inaccurate outdated information for contact purposes. There is a process called the acquisition of location information to obtain a current phone, address etc., which possibly prompted the phone call to your wife trying to reach you---with that process we are not aware unless notified that it is not a good contact number to reach you. 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 returned to our client. There will be no further contact from Dynamic Recovery Solutions regarding this matter. If you have further questions or concerns, please feel free to contact the Compliance Department.
With Best Regards,
[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 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
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.
[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 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
file is returned to our client.
If [redacted]
has any further questions or concerns, we encourage her to contact our Chief
Compliance Officer Rich Hughes at [redacted]
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
Revdex.com Case #: [redacted],
Good morning [redacted],
Dynamic Recovery Solutions is a legitimate third party collection agency who collects on past due accounts for our clients. We were referred your account on January 8, 2014, which is less than a span of two years contact from our office. There is a...
process called the acquisition of location information to obtain a current phone, address etc., which possibly prompted the phone call to additional telephone numbers with your profile, and usually with this process we are not aware unless notified that it is not a good contact number. Dynamic Recovery Solutions has honored your request to cease & desist any further communication on your behalf. For our consumers convenience if the calls were answered or returned we also accept verbal cease & desist for your immediate satisfaction. 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. 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. Typically, the Federal Do Not Call Registry exists for relief from phone solicitations, and telemarketing. Dynamic Recovery Solutions is a collection agency, and not affiliated with solicitations, and telemarketing, but rather an implied business relationship due to debt collection. We apologize for any inconvenience this may have caused on your behalf. 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. 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]
RE: Revdex.com Case #: [redacted] Good morning [redacted], Customer service is our top priority, and all complaints or concerns are dealt with according to their specific needs with high regard for federal and state laws and regulations. Dynamic Recovery Solutions acknowledges your concern of being...
contacted regarding an alleged debt. We have met your requests of not contacting you again since March of 2013, see attached phone history. You state in your complaint that you asked for validation, perhaps you intended to ask for validation, because that was never requested. There will be no further contact with you from Dynamic Recovery Solutions except to advise that we have flagged the account accordingly, and it has been closed in our office and returned to our client. Customer service is our top priority, and we appreciate your bringing this matter to our attention. Please feel free to contact our Compliance Department if you have further questions or concerns. With Best Regards, [redacted] Compliance Auditor [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.
The address the letter was sent to is:[redacted]
[redacted]
[redacted]
Phone number: ([redacted]
I have also attached scans of the letter originally sent to me as requested in a prior email from the Revdex.com.
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. I do not have an account with this company. This company "fishes" for information to collect a debt. They called multiple times everyday for more than 2 weeks. Proper resolution would be for them to erase my phone number, ([redacted], from their database. I will not provide them with any more information as I know they are attempting to gather information to collect a debt from a person that has never lived at my home nor do I know.
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.
Sincerely,
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
RE: Revdex.com Case #:[redacted] Good morning [redacted], Dynamic Recovery Solutions is a legitimate third party 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, and we apologize for any inconvenience this may have caused on your behalf. 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. 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 returned to our client. There will be no further contact from Dynamic Recovery Solutions regarding this matter. If you have further questions or concerns, please feel free to contact the Compliance Department. With Best Regards, [redacted] Compliance Auditor[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and find that this resolution is satisfactory to me.
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.
However, they had agreed to removal once and added this back to my credit report in January of this year. I need to make sure this does not show up again.
I need assurance that this will be a permanent agreement on their part.
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]
[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,
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.
My concern is that, after speaking with an attorney, this attempt to collect a debt falls out of that statute of limitations as it is almost 16 years old and that Dynamic Recovery Solutions should have made no attempt to obtain my personal information. Furthermore the representative that spoke with me over the phone made no attempt to inform me of the Fair Credit Act nor explain the statute of limitations. The representative led with personal information including my SSN, addresses that I have live at, specifics about my credit report ie "I see that you have made all of your payments on time..." to elude that if I did not make this payment that it would somehow effect my credit.
Regards,[redacted]
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions, LLC
(DRS) is a legitimate third party collection agency that collects on past due
accounts for our clients. We acknowledge that you are disputing this
account. 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 up to date information, and it
can be incorrect as well attaching your name to an incorrect account. 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 by
erroneously contacting the incorrect telephone number. It appears that we were
trying to locate a completely different consumer at the telephone number.
We sincerely apologize for any inconvenience
this may have caused on your behalf. Dynamic Recovery Solutions does not engage
in any fraudulent activity or identity theft. 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. 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. 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].
Roman"; mso-hansi-theme-font: major-latin; mso-bidi-font-family: "Times New Roman";">Customer experience is our TOP priority, and we are grateful that
the consumer has brought this matter to our attention. Our representatives are
trained to be professional and follow all guidelines required by federal and
state laws and regulations. I have personally monitored all phone calls where
the consumer spoke to our representatives, and the representative did not
handle the consumer in a professional manner, which is not tolerated at Dynamic
Recovery Solutions. The representative will be reprimanded accordingly.
Per company policy
when a complaint of this nature is received the account has been placed in a
"cease & desist" status and closed in our office. The consumer
will receive no further contact from Dynamic Recovery Solutions regarding this
matter. We would also like to extend our apologies for any inconvenience this
may have caused on the consumer's behalf. 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]
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.
- On May 16th, 2014, [redacted] contacted our office. he told the representative that if the debt was before 2004, it was "probably discharged in a chapter 7 bankruptcy." If [redacted] has been through a bankruptcy, he's aware that we, by law, cannot collect on this account. When our representatives are told that there is or possibly could be a bankruptcy involved, in compliance with the law,the account is marked as "CEASE & DESIST", and we mark all phone numbers associated with the account as "DO NOT CALL", so there can be no further collection attempts made. Dynamic Recovery Solutions (LLC) has no desire or intent to do anything to violate collection laws.
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.
-[redacted] was sent documentation on May 7th, 2014, in accordance with FDCPA guidelines. The letter you received sent to the address of[redacted], is by definition of the law a validation notice. This should be enough information to verify the debt. He acknowledged receipt of the letter on the call he made to our office on May 16th, 2014. The letter he was sent would have all of the details regarding the debt on the front page of the letter.
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.
Dynamic Recovery Solutions IS a third party collection agency that collects on past due accounts for our clients. As previously stated in the first response, when [redacted] initially asked for the validation, we updated the account to generate the requested documentation. A request for the documentation was submitted, and to our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS ceased collection efforts. At this point,the account is no longer in our office. It has been closed in our office and returned to our client. The account may still be viewable on our website, www.gotodrs.com. If [redacted] wishes to verify the account through the website, the current account number is :[redacted], and the password he will need is the last four digits of his Social Security Number. Also, if the consumer chooses to go to the website to verify the account, please do not construe that as a request for payment. We have ceased collection efforts.
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 requestFULL 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.
-On the phone call made on May 16th, [redacted] states we attempted to collect on the debt after we were told it was part of a bankruptcy. This is false. Once we were alerted that this could have potentially been part of a bankruptcy, we CLOSED the account in our office and forwarded it back to our client with notation on the account to CEASE & DESIST because of the potential bankruptcy. No further collection efforts were made after the bankruptcy was acknowledged. If the consumer perceived the conversation with Dynamic Recovery Solutions LLC, differently, we do apologize for any confusion. A letter stating the account is closed will be sent to the consumer.
Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. Some of these accounts are out of the statute of limitations, which is the time frame a debt can be recovered through litigation or can be reported on a consumer’s...
credit report. This statute does not abolish a debt, therefore DRS was contacting the consumer to collect it. Being out of the statute of limitations can also explain why the consumer did not see this account on their credit report. 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 Dynamic Recovery Solutions regarding this account. Sincerely,[redacted] Compliance Administrator Dynamic Recovery Solutions [redacted]
[redacted]
RevDex.com of Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear
[redacted]
We have reviewed the consumer’s
rejection to our initial response, and we sincerely apologize that it did not
meet the [redacted]’s expectations. It is not the intention of Dynamic
Recovery Solutions to intentionally harass or abuse any consumer by unwanted
contact. Per the FDCPA, when the consumer respectively asks that any
communications cease, DRS would be in violation if not adhered to. Please
advise the consumer that their account has been placed in an inactive status as
of June 11, 2015, and will no longer be serviced at Dynamic Recovery Solutions,
LLC. Our client has also been made aware of the consumer’s concerns with
thorough documentation.
If [redacted] has any further
questions or concerns, we encourage him to contact our Chief Compliance Officer
[redacted] at [redacted]. We
do apologize for any inconvenience that [redacted] may have experienced.
Regards,
Greetings [redacted],
Customer service is our top priority, and we appreciate you bringing this to our attention. Typically, 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 years. Due 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 behalf. 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. If you have further questions or concerns, please feel free to contact the Compliance Department.
With Best Regards,
[redacted]
Compliance Auditor[redacted]
RE: Revdex.com Case No:
[redacted]
Good afternoon [redacted],
?
Dynamic Recovery Solutions is a legitimate third party 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, and we apologize for any inconvenience this may have caused on your behalf. Further, this account is no longer a credit reporting issue, and Dynamic Recovery Solutions has made no attempts to do so under the Fair Credit Reporting Act. 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 does acknowledge that the account is not within the statute of limitations, which would imply we had an intention to pursue legal action, and that is far from any current or future action on our behalf. The statutes of limitations provide a time frame against you by a creditor to recoup their financial loss legally. The monies are still owed after that time frame has expired. It appears that Dynamic Recovery Solutions made several attempts to provide The validation notice as required by law, and explains your rights regarding the alleged debt. Further, it provides you with the option of disputing the alleged debt within 30 days of receipt of the validation notification, and provides options for getting the alleged account resolved. The address locations on 6-3-2014 20214 [redacted], and on 9-12-2014 to[redacted]. Further, as a result of the turnover of accounts in the collections industry, oftentimes there is inaccurate outdated information for contact purposes. There is a process called the acquisition of location information to obtain a current phone, address etc., which possibly prompted the phone call to your wife trying to reach you---with that process we are not aware unless notified that it is not a good contact number to reach you. 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 returned to our client. There will be no further contact from Dynamic Recovery Solutions regarding this matter. If you have further questions or concerns, please feel free to contact the Compliance Department.
With Best Regards,
[redacted]Compliance Auditor
[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 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
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
[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 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
file is returned to our client.
If [redacted]
has any further questions or concerns, we encourage her to contact our Chief
Compliance Officer Rich Hughes at [redacted]
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance Representative
Revdex.com Case #: [redacted],
Good morning [redacted],
Dynamic Recovery Solutions is a legitimate third party collection agency who collects on past due accounts for our clients. We were referred your account on January 8, 2014, which is less than a span of two years contact from our office. There is a...
process called the acquisition of location information to obtain a current phone, address etc., which possibly prompted the phone call to additional telephone numbers with your profile, and usually with this process we are not aware unless notified that it is not a good contact number. Dynamic Recovery Solutions has honored your request to cease & desist any further communication on your behalf. For our consumers convenience if the calls were answered or returned we also accept verbal cease & desist for your immediate satisfaction. 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. 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. Typically, the Federal Do Not Call Registry exists for relief from phone solicitations, and telemarketing. Dynamic Recovery Solutions is a collection agency, and not affiliated with solicitations, and telemarketing, but rather an implied business relationship due to debt collection. We apologize for any inconvenience this may have caused on your behalf. 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. 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]
RE: Revdex.com Case #: [redacted] Good morning [redacted], Customer service is our top priority, and all complaints or concerns are dealt with according to their specific needs with high regard for federal and state laws and regulations. Dynamic Recovery Solutions acknowledges your concern of being...
contacted regarding an alleged debt. We have met your requests of not contacting you again since March of 2013, see attached phone history. You state in your complaint that you asked for validation, perhaps you intended to ask for validation, because that was never requested. There will be no further contact with you from Dynamic Recovery Solutions except to advise that we have flagged the account accordingly, and it has been closed in our office and returned to our client. Customer service is our top priority, and we appreciate your bringing this matter to our attention. Please feel free to contact our Compliance Department if you have further questions or concerns. With Best Regards, [redacted] Compliance Auditor [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.
The address the letter was sent to is:[redacted]
[redacted]
[redacted]
Phone number: ([redacted]
I have also attached scans of the letter originally sent to me as requested in a prior email from the Revdex.com.
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. I do not have an account with this company. This company "fishes" for information to collect a debt. They called multiple times everyday for more than 2 weeks. Proper resolution would be for them to erase my phone number, ([redacted], from their database. I will not provide them with any more information as I know they are attempting to gather information to collect a debt from a person that has never lived at my home nor do I know.
Regards,
[redacted]
March 26, 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,
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
RE: Revdex.com Case #:[redacted] Good morning [redacted], Dynamic Recovery Solutions is a legitimate third party 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, and we apologize for any inconvenience this may have caused on your behalf. 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. 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 returned to our client. There will be no further contact from Dynamic Recovery Solutions regarding this matter. If you have further questions or concerns, please feel free to contact the Compliance Department. With Best Regards, [redacted] Compliance Auditor[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and find that this resolution is satisfactory to me.
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.
However, they had agreed to removal once and added this back to my credit report in January of this year. I need to make sure this does not show up again.
I need assurance that this will be a permanent agreement on their part.
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]
February 28, 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]
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.
My concern is that, after speaking with an attorney, this attempt to collect a debt falls out of that statute of limitations as it is almost 16 years old and that Dynamic Recovery Solutions should have made no attempt to obtain my personal information. Furthermore the representative that spoke with me over the phone made no attempt to inform me of the Fair Credit Act nor explain the statute of limitations. The representative led with personal information including my SSN, addresses that I have live at, specifics about my credit report ie "I see that you have made all of your payments on time..." to elude that if I did not make this payment that it would somehow effect my credit.
Regards,[redacted]
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions, LLC
(DRS) is a legitimate third party collection agency that collects on past due
accounts for our clients. We acknowledge that you are disputing this
account. 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 up to date information, and it
can be incorrect as well attaching your name to an incorrect account. 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 by
erroneously contacting the incorrect telephone number. It appears that we were
trying to locate a completely different consumer at the telephone number.
We sincerely apologize for any inconvenience
this may have caused on your behalf. Dynamic Recovery Solutions does not engage
in any fraudulent activity or identity theft. 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. 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. 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].
Roman"; mso-hansi-theme-font: major-latin; mso-bidi-font-family: "Times New Roman";">Customer experience is our TOP priority, and we are grateful that
the consumer has brought this matter to our attention. Our representatives are
trained to be professional and follow all guidelines required by federal and
state laws and regulations. I have personally monitored all phone calls where
the consumer spoke to our representatives, and the representative did not
handle the consumer in a professional manner, which is not tolerated at Dynamic
Recovery Solutions. The representative will be reprimanded accordingly.
Per company policy
when a complaint of this nature is received the account has been placed in a
"cease & desist" status and closed in our office. The consumer
will receive no further contact from Dynamic Recovery Solutions regarding this
matter. We would also like to extend our apologies for any inconvenience this
may have caused on the consumer's behalf. 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]
In response to [redacted] statements:
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.
- On May 16th, 2014, [redacted] contacted our office. he told the representative that if the debt was before 2004, it was "probably discharged in a chapter 7 bankruptcy." If [redacted] has been through a bankruptcy, he's aware that we, by law, cannot collect on this account. When our representatives are told that there is or possibly could be a bankruptcy involved, in compliance with the law,the account is marked as "CEASE & DESIST", and we mark all phone numbers associated with the account as "DO NOT CALL", so there can be no further collection attempts made. Dynamic Recovery Solutions (LLC) has no desire or intent to do anything to violate collection laws.
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.
-[redacted] was sent documentation on May 7th, 2014, in accordance with FDCPA guidelines. The letter you received sent to the address of[redacted], is by definition of the law a validation notice. This should be enough information to verify the debt. He acknowledged receipt of the letter on the call he made to our office on May 16th, 2014. The letter he was sent would have all of the details regarding the debt on the front page of the letter.
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.
Dynamic Recovery Solutions IS a third party collection agency that collects on past due accounts for our clients. As previously stated in the first response, when [redacted] initially asked for the validation, we updated the account to generate the requested documentation. A request for the documentation was submitted, and to our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS ceased collection efforts. At this point,the account is no longer in our office. It has been closed in our office and returned to our client. The account may still be viewable on our website, www.gotodrs.com. If [redacted] wishes to verify the account through the website, the current account number is :[redacted], and the password he will need is the last four digits of his Social Security Number. Also, if the consumer chooses to go to the website to verify the account, please do not construe that as a request for payment. We have ceased collection efforts.
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 requestFULL 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.
-On the phone call made on May 16th, [redacted] states we attempted to collect on the debt after we were told it was part of a bankruptcy. This is false. Once we were alerted that this could have potentially been part of a bankruptcy, we CLOSED the account in our office and forwarded it back to our client with notation on the account to CEASE & DESIST because of the potential bankruptcy. No further collection efforts were made after the bankruptcy was acknowledged. If the consumer perceived the conversation with Dynamic Recovery Solutions LLC, differently, we do apologize for any confusion. A letter stating the account is closed will be sent to the consumer.
Sincerely,
[redacted]Quality Assurance Coordinator
Dynamic Recovery Solutions,LLC
[redacted]
Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. Some of these accounts are out of the statute of limitations, which is the time frame a debt can be recovered through litigation or can be reported on a consumer’s...
credit report. This statute does not abolish a debt, therefore DRS was contacting the consumer to collect it. Being out of the statute of limitations can also explain why the consumer did not see this account on their credit report. 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 Dynamic Recovery Solutions regarding this account. Sincerely,[redacted] Compliance Administrator Dynamic Recovery Solutions [redacted]
[redacted]
RevDex.com of Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear
[redacted]
We have reviewed the consumer’s
rejection to our initial response, and we sincerely apologize that it did not
meet the [redacted]’s expectations. It is not the intention of Dynamic
Recovery Solutions to intentionally harass or abuse any consumer by unwanted
contact. Per the FDCPA, when the consumer respectively asks that any
communications cease, DRS would be in violation if not adhered to. Please
advise the consumer that their account has been placed in an inactive status as
of June 11, 2015, and will no longer be serviced at Dynamic Recovery Solutions,
LLC. Our client has also been made aware of the consumer’s concerns with
thorough documentation.
If [redacted] has any further
questions or concerns, we encourage him to contact our Chief Compliance Officer
[redacted] at [redacted]. We
do apologize for any inconvenience that [redacted] may have experienced.
Regards,
[redacted]
Compliance
Representative
RE: Revdex.com Case No:[redacted],
Greetings [redacted],
Customer service is our top priority, and we appreciate you bringing this to our attention. Typically, 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 years. Due 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 behalf. 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. If you have further questions or concerns, please feel free to contact the Compliance Department.
With Best Regards,
[redacted]
Compliance Auditor[redacted]