Received a rude voicemail and letter in the mail. In the letter it states due to the age of the debt it cannot be reported to credit agencies. The issue lies with the fact that I do not have this aforementioned debt. It was paid in full 10 years ago. Now I am not sure if I should chance it or try to contact the original source and find proof of payment.
[redacted]
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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 them.
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clients. Some of these accounts are very old and 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 a consumer will not see this account on their credit report. It lastly can also explain why the original creditor would have no record of it. This account has been sold into collection due to the original creditor not being able to recoup their losses in the time provided through litigation, therefore the debt is sold. It is not uncommon for the original creditor to delete record of a debt this old; it is no longer relevant to them legally or financially.
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, with notation of this complaint. There will be no further collection activity from Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
[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]’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
the [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 process on 9/18/15 and will take 30 to 45 days to reflect on his
credit report.
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
Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate 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. Dynamic Recovery Solutions, LLC (DRS) also has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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 them. 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, with notation of this complaint. There will be no further collection activity from Dynamic Recovery Solutions, LLC regarding this account. Sincerely,[redacted] Compliance Administrator Dynamic Recovery Solutions[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]%3
RE: Case #: [redacted], Dynamic Recovery Solutions is a legitimate third party collection agency who collects on past due accounts for our clients. Typically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery...
Solutions. Our client in this case is [redacted] & [redacted] and they have been contacted regarding your dispute of the credit inquiry, and to update your consumer report accordingly. 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. . 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: [redacted], Complaint ID#[redacted] Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate 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. To our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS will cease collection efforts. We have flagged the account accordingly. It has been closed in our office and returned to our client. Dynamic Recovery Solutions submitted a request to have the inquiry removed from [redacted] Credit Report on June 6th, 2014. If [redacted] has any concerns or issues regarding this request, she is welcome to contact our Customer Service Department at[redacted]. 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] Compliance Administrator Dynamic Recovery Solutions [redacted]com
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions has received the consumer's request to cease any communication. DRS was attempting to reach a different party.
Dynamic Recovery Solutions also accepts verbal cease & desist. Per company policy when a complaint of this nature is received, the...
telephone number has been 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. 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:
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. To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.
Please be advised that there is no 'client' to return a file to as there has never been an open account with the stated bank. The whole case of collecting money on an account that I have never had is bogus to begin with.
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.
Regards,
[redacted]
This is how they seem to respond to every complaint. I'm not questioning the validity of the debt, I'm questioning the existence of the debt. I want them to prove that they have a debt related to a [redacted] card opened in my name when I was only 15 years old, as they claim. I believe they're committing intentional fraud and attempting to collect a debt that they created out of thin air. I'm seeking verifiable proof of a legitimate account that was in my name. Such proof would be evidence that I was a victim of identity theft, so I would think they'd be more than willing to send it to me. Revdex.com archives are filled with complainants who accuse this company of contacting them about a debt that they know nothing about. Each time the company promises to cease and desist, but never verifies the debt. I don't believe that's a coincidence.
Dynamic Recovery Solutions has ceased any and all communication for collection of the alleged debt, and the consumer will receive no further communication from Dynamic Recovery Solutions.
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.
At this point, it seems this issue isn't going to be resolved int this forum. Of course Dynamic will deny any liability under federal law; that's what their lawyers are hired to do. There's a few issues though. The link to [redacted] doesn't really prove anything other than that [redacted] is in place for DRS, if even that.
Let's look at the list of features, specifically the Click-to-Call feature for "manual dialing." First, [redacted] itself is the very definition of an ATDS under the TCPA. It stores numbers, the numbers are generated for agents, and even if they have to "click" to call, they never dialed the number. If we look at DRS's workflow for its agents, the agent(s) that called my cellphone, didn't manually dial that number by any stretch of the imagination. Now, if DRS wishes to test then theory, that was confirmed here against [redacted], Inc,
http://[redacted]/
Then by all means, they can test this theory in court and see where it ends up in the 6th circuit as well.
Currently, I don't see the Revdex.com being able to resolve the complaint. I'm insistent that there TCPA was violated, DRS is insistent on denial of such allegations. This is a matter better suited for litigation. It's unfortunate we couldn't come to an amicable resolution here.
To be certain, I'm not at all satisfied with the response, showing [redacted]'s capacity to do certain things doesn't absolve the company from the liability, nor does it even prove that it used such features. That would require extensive discovery, which will come, just not here with the Revdex.com.
Regards,
[redacted]
MESSAGE FROM BUSINESS:RE: Revdex.com Case No: [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. Further, you stated in your complaint that you have asked for debt validation regarding this account in writing, and it appears that Dynamic Recovery Solutions has made an attempt to send you the debt validation in writing for this account on September 4, 2014 to the address of [redacted] and it has not been returned to our office. The initial correspondence that we sent you is a validation notification as well, and has all contents per FDCPA, 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. Please accept our apologies on contacting you in error. 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 Case #: [redacted]
Customer experience is our TOP priority, and we are grateful that the consumer has brought this matter to our attention.
DRS always want to acknowledge any concerns a consumer expresses regarding these type of matters of disputing the account due to potential identity...
theft.
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, and permissible purpose to view the consumer’s report establishes a business relationship regarding the alleged debt. We have also honored your request in updating your consumer report as requested by submitting another request to the consumer reporting agency. Please allow 5-7 business days. 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 returned to our client and no further contact from Dynamic Recovery Solutions regarding this matter. 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]
I want the Dynamic Recovery Solutions to own up to the rudeness of their customer service representative when speaking with someone then based on the recording [redacted] stated she is going to let me just sit while she notate the account and clearly that was because she was being RUDE No matter how nice I was trying to be with her....so own up to it and I will accept NEVER being contacted by Dynamic Recovery Solutions again!!!!
Thank you
[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]
February 11, 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. Some of these accounts are very old and 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 a consumer will not see this account on their credit report. It lastly can also explain why the original creditor would have no record of it. This account has been sold into collection due to the original creditor not being able to recoup their losses in the time provided through litigation, therefore the debt is sold. It is not uncommon for the original creditor to delete record of a debt this old; it is no longer relevant to them legally or financially.
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, and will inform our client of this complaint. There will be no further collection activity from Dynamic Recovery Solutions regarding this account.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[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 hereby refrain from any communication with said consumer as the consumer has retained an attorney on his behalf.
Respectfully submitted,
[redacted], Consumer
Operations Director
Revdex.com of the
Upstate
408 North Church Street, Suite
C
Greenville, SC 29601
Dear [redacted],
Unfortunately due to the fact that Mr. [redacted] refuses to relinquish any further information to assist Dynamic Recovery Solutions (DRS) in locating the account in question. We can not guarantee that Mr. [redacted] will no longer receive phone calls and or letters due to the fact we do not know what information to delete from our
database. If Mr. [redacted] would like to provide any information to assist DRS in locating the account in question we encourage him to contact our Chief Compliance
Officer [redacted].com .
Regards,
[redacted]
Received a rude voicemail and letter in the mail. In the letter it states due to the age of the debt it cannot be reported to credit agencies. The issue lies with the fact that I do not have this aforementioned debt. It was paid in full 10 years ago. Now I am not sure if I should chance it or try to contact the original source and find proof of payment.
RE: [redacted], Complaint ID#[redacted]
Dear [redacted]...
[redacted]
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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 them.
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clients. Some of these accounts are very old and 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 a consumer will not see this account on their credit report. It lastly can also explain why the original creditor would have no record of it. This account has been sold into collection due to the original creditor not being able to recoup their losses in the time provided through litigation, therefore the debt is sold. It is not uncommon for the original creditor to delete record of a debt this old; it is no longer relevant to them legally or financially.
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, with notation of this complaint. There will be no further collection activity from Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
[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]’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
the [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 process on 9/18/15 and will take 30 to 45 days to reflect on his
credit report.
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
Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate 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. Dynamic Recovery Solutions, LLC (DRS) also has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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 them. 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, with notation of this complaint. There will be no further collection activity from Dynamic Recovery Solutions, LLC regarding this account. Sincerely,[redacted] Compliance Administrator Dynamic Recovery Solutions[redacted]
April 1, 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]%3
No [redacted] since I have the information to the hospital and collection service we will not need to do the call, thank you!
RE: Case #: [redacted], Dynamic Recovery Solutions is a legitimate third party collection agency who collects on past due accounts for our clients. Typically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery...
Solutions. Our client in this case is [redacted] & [redacted] and they have been contacted regarding your dispute of the credit inquiry, and to update your consumer report accordingly. 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. . 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: [redacted], Complaint ID#[redacted] Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate 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. To our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS will cease collection efforts. We have flagged the account accordingly. It has been closed in our office and returned to our client. Dynamic Recovery Solutions submitted a request to have the inquiry removed from [redacted] Credit Report on June 6th, 2014. If [redacted] has any concerns or issues regarding this request, she is welcome to contact our Customer Service Department at[redacted]. 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] Compliance Administrator Dynamic Recovery Solutions [redacted]com
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions has received the consumer's request to cease any communication. DRS was attempting to reach a different party.
Dynamic Recovery Solutions also accepts verbal cease & desist. Per company policy when a complaint of this nature is received, the...
telephone number has been 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. 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:
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. To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.
Please be advised that there is no 'client' to return a file to as there has never been an open account with the stated bank. The whole case of collecting money on an account that I have never had is bogus to begin with.
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.
Regards,
[redacted]
This is how they seem to respond to every complaint. I'm not questioning the validity of the debt, I'm questioning the existence of the debt. I want them to prove that they have a debt related to a [redacted] card opened in my name when I was only 15 years old, as they claim. I believe they're committing intentional fraud and attempting to collect a debt that they created out of thin air. I'm seeking verifiable proof of a legitimate account that was in my name. Such proof would be evidence that I was a victim of identity theft, so I would think they'd be more than willing to send it to me. Revdex.com archives are filled with complainants who accuse this company of contacting them about a debt that they know nothing about. Each time the company promises to cease and desist, but never verifies the debt. I don't believe that's a coincidence.
Dynamic Recovery Solutions has ceased any and all communication for collection of the alleged debt, and the consumer will receive no further communication from Dynamic Recovery Solutions.
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.
At this point, it seems this issue isn't going to be resolved int this forum. Of course Dynamic will deny any liability under federal law; that's what their lawyers are hired to do. There's a few issues though. The link to [redacted] doesn't really prove anything other than that [redacted] is in place for DRS, if even that.
Let's look at the list of features, specifically the Click-to-Call feature for "manual dialing." First, [redacted] itself is the very definition of an ATDS under the TCPA. It stores numbers, the numbers are generated for agents, and even if they have to "click" to call, they never dialed the number. If we look at DRS's workflow for its agents, the agent(s) that called my cellphone, didn't manually dial that number by any stretch of the imagination. Now, if DRS wishes to test then theory, that was confirmed here against [redacted], Inc,
http://[redacted]/
Then by all means, they can test this theory in court and see where it ends up in the 6th circuit as well.
Currently, I don't see the Revdex.com being able to resolve the complaint. I'm insistent that there TCPA was violated, DRS is insistent on denial of such allegations. This is a matter better suited for litigation. It's unfortunate we couldn't come to an amicable resolution here.
To be certain, I'm not at all satisfied with the response, showing [redacted]'s capacity to do certain things doesn't absolve the company from the liability, nor does it even prove that it used such features. That would require extensive discovery, which will come, just not here with the Revdex.com.
Regards,
[redacted]
MESSAGE FROM BUSINESS:RE: Revdex.com Case No: [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. Further, you stated in your complaint that you have asked for debt validation regarding this account in writing, and it appears that Dynamic Recovery Solutions has made an attempt to send you the debt validation in writing for this account on September 4, 2014 to the address of [redacted] and it has not been returned to our office. The initial correspondence that we sent you is a validation notification as well, and has all contents per FDCPA, 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. Please accept our apologies on contacting you in error. 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 Case #: [redacted]
Customer experience is our TOP priority, and we are grateful that the consumer has brought this matter to our attention.
DRS always want to acknowledge any concerns a consumer expresses regarding these type of matters of disputing the account due to potential identity...
theft.
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, and permissible purpose to view the consumer’s report establishes a business relationship regarding the alleged debt. We have also honored your request in updating your consumer report as requested by submitting another request to the consumer reporting agency. Please allow 5-7 business days. 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 returned to our client and no further contact from Dynamic Recovery Solutions regarding this matter. 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]
I want the Dynamic Recovery Solutions to own up to the rudeness of their customer service representative when speaking with someone then based on the recording [redacted] stated she is going to let me just sit while she notate the account and clearly that was because she was being RUDE No matter how nice I was trying to be with her....so own up to it and I will accept NEVER being contacted by Dynamic Recovery Solutions again!!!!
Thank you
[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]
February 11, 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. Some of these accounts are very old and 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 a consumer will not see this account on their credit report. It lastly can also explain why the original creditor would have no record of it. This account has been sold into collection due to the original creditor not being able to recoup their losses in the time provided through litigation, therefore the debt is sold. It is not uncommon for the original creditor to delete record of a debt this old; it is no longer relevant to them legally or financially.
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, and will inform our client of this complaint. There will be no further collection activity from Dynamic Recovery Solutions regarding this account.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[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 hereby refrain from any communication with said consumer as the consumer has retained an attorney on his behalf.
Respectfully submitted,
[redacted], Consumer
Operations Director
Revdex.com of the
Upstate
408 North Church Street, Suite
C
Greenville, SC 29601
Dear [redacted],
Unfortunately due to the fact that Mr. [redacted] refuses to relinquish any further information to assist Dynamic Recovery Solutions (DRS) in locating the account in question. We can not guarantee that Mr. [redacted] will no longer receive phone calls and or letters due to the fact we do not know what information to delete from our
database. If Mr. [redacted] would like to provide any information to assist DRS in locating the account in question we encourage him to contact our Chief Compliance
Officer [redacted].com .
Regards,
[redacted]