Priority One Resolutions

Hello!Please see our attached response to complaint number [redacted] Thank you.Priority One Resolutions (“Priority”) has received and reviewed Ms [redacted] ’ complaint and appreciates the opportunity to respond.Priority is required to send a letter to a consumer with the same name as Ms [redacted] Calls made to Ms [redacted] and her work were to obtain or confirm location information and are made in conformity with federal law, specifically the Fair Debt Collection Practices Act (FDCPA)While skiptracing, we take care to avoid disclosing our name, unless specifically askedWe did call Ms [redacted] at her place of employment on August 12, to attempt to verify a current contact number for Ms [redacted] We were directed to contact the “other facility” by the employee we spoke toThe number given to our representative was for Ms [redacted] ’ supervisor as she indicatesMs [redacted] called into Priority also on August 12, where she requested that no further contact to her place of employment take placeUnfortunately, we were unable to verify Ms [redacted] ’ identity as Ms [redacted] hung up before our representative could do soReviewing the complaint with our representative, we believe Ms [redacted] is misguided in her complaintAt no time was our representative “yelling on the phone demanding location.” This is simply untrueAs stated above, before we were able to verify any identifying information about Ms [redacted] , the call was terminated and no further contact took place after thatWe appreciate Ms [redacted] bringing to our attention that she had filed for bankruptcy and we will ensure that note is placed with her fileNo further contact will take place to Ms [redacted] or her place of employment and wish we could have resolved this with Ms [redacted] herselfPlease contact the undersigned if you have any additional questions.Sincerely,Caitlin BAuthorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.Thank you for the opportunity to respond.We did contact Mr [redacted] in attempt to obtain or confirm location information for a Ms[redacted] ***, in order to send Ms [redacted] a letter as required by federal law Mr [redacted] was neverpersonally skip traced, he merely showed up as a reference in our location and tracing effortsregarding Ms***.When we spoke to Mr [redacted] on October 27, 2015, and he informed us he did not havecontact with Ms***, his number was immediately removed from our database, and no further callshave been placedWe can assure Mr [redacted] that we will not be contacting him again regarding thismatter.We would like to apologize that our call upset Mr [redacted] , and again confirm that he wasnever skip traced and will receive no further calls.Please do not hesitate to contact me if I can be of further assistance in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Dear ***,Priority One Resolutions (“Priority”) has received and review the complaint listed aboveWeappreciate the opportunity to respond.Priority is a collection agency and owner and current creditor of a personal loan in Mr[redacted] 's name for collectionThe loan was originally opened in July of The original creditorof the person loan is Alliance Online, and the last four digits of the original account number are 1712.We would like to take this opportunity to assure both your office and Mr [redacted] that Priorityis in no way a “scam.” We are a legitimate company operating within the guidelines of federal law,specifically the Fair Debt Collection Practices Act.While we can appreciate that Mr [redacted] does not believe he is responsible for this loan, allinformation is verified before being placed in our officeWe spoke to Mr [redacted] twice, once onOctober 16, 2015, and again on October 19, During our first conversation Mr [redacted] did notmake any request for us to cease contacting himWhen we spoke to him on October 19, 2015, hestated that he did not feel he was responsible and would not be interested in resolvingThe accountwas immediately notated to reflect this, and no calls have been placed to Mr [redacted] or any of hisreferences since that day.We will continue to treat this complaint as a cease and desist and not contact Mr [redacted] againregarding this issue.Please contact the undersigned if I can be of any further assistance.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

10/28/2015In Re: [redacted] Complaint ID: [redacted] Priority One Resolutions (“Priority”) has received and review the complaint listed aboveWeappreciate the opportunity to respond.Priority is a collection agency and the current creditor and owner of an unpaid personal loan Mr[redacted] took out in April, The last account number digits of the original loan are Attached forMr [redacted] 's and your office's convenience is a verification of debt letter.We have spoken to the representatives who interacted with Mr [redacted] , and we must respectfullydisagree with several points of his complaintWe believe Mr [redacted] 's characterization of our calls as“harassing” is extremely unfairWe did contact Mr [redacted] 's mother in an attempt to confirm or obtainlocation information for Mr [redacted] , but she was only called once on October 12, 2015, and none of ourrepresentatives ever spoke to herAll calls placed to third parties are solely for the purpose of obtaining andconfirming location information, and are made in accordance with federal law, specifically the Fair DebtCollection Practices ActWe take great care to ensure all messages left do no disclose the purpose of our call.In fact, we spoke to Mr [redacted] only twice, initially on October 12, Mr [redacted] made norequest during this conversation that calls be ceased, he simply asked to see something in writing, at whichpoint the “payment slip” he refers to was sent to him via email at c [redacted] [email protected] Has Mr[redacted] asked for verification, we would have happily provided him with the attached letterWe spoke to Mr[redacted] again on October 13, 2015, when he called into our officeAt that point he requested no more calls tohis phone, and that request was immediately honoredNo calls have been placed to Mr [redacted] or any of hisreferences since we spoke to him that dayWe vehemently deny that Mr [redacted] was told we would continueto contact him.We do not understand why Mr [redacted] refers to our company as a “scam,” and we would like toassure both your office and Mr [redacted] that Priority is indeed a legitimate company registered with theSecretary of State and bonded in Texas.With that said, we will continue to treat this complaint as a cease and desist, and not contact Mr[redacted] again regarding this issueWe regret not having been able to resolve this with Mr [redacted] directly.Please contact the undersigned if I can be of any further assistance in this issue.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed Mr [redacted] ’s complaint andappreciates the opportunity to respond.Priority was attempting to collect a charged off personal loan in Mr [redacted] ’s nameTheinformation we used to verify Mr [redacted] as required by federal law was what was provided to theloan company when Mr [redacted] applied for the loanWe sent Mr [redacted] a verification of debtletter to his email as he states in his complaint on October 28, 2015, as required by the Fair DebtCollection Practices Act.We thank Mr [redacted] for informing us of the California Act whereby all [redacted] , LLC loans are declared voidWe have a system to screen out all loans that have similarrulings in place when we receive a portfolioWe are not sure how this one got through, or why it wasstill in the portfolio when it was sent to usWe are looking into the issue and apologize for notcatching it.We again want to thank Mr [redacted] for alerting us to this situation and giving us theopportunity to improve our processes so that we can prevent similar situations in the futureWe havealso scrubbed our active inventory again to be certain that no other accounts from these lenders slippedin.Priority would like to note that our representative, upon learning of this information on October28, when we spoke with Mr [redacted] , explained to him that we would immediately stop allcollection activity and close the accountMr [redacted] proceeded to call in several more times yellingat our representativesWe understand that Mr [redacted] is upset and at that time we did, and willcontinue to, assure him that all activity on the account has ceased and the account is closedWeencourage Mr [redacted] to contact our office if there are any issues or further contact regarding thisaccountFor what it is worth, we are also very upset that this account ended up in a portfolio in ouroffice.Please contact the undersigned if you have any additional questions.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint filed by Ms[redacted] and we appreciate the opportunity to respond.Priority is a collection agency and owner and current creditor of a personal loan taken out byMs [redacted] Attached again for Ms [redacted] ’s convenience is the verification of debt letter that was sentto her email on August 28, within an hour of her request.As Ms [redacted] states, we did contact her family members as we were attempting to locate Ms[redacted] Priority ensures that during skip-tracing, all Federal laws are followed, specifically the FairDebt Collection Practices ActWe make sure not to disclose the purpose of our calls when speakingwith third parties and only give out our name when specifically askedOnce we were able to locateMs [redacted] , no further contact to her family took place and all further calls were directed to Ms[redacted] .We reviewed the complaint with our representative who spoke with Ms [redacted] about cancelingher payment on file with PriorityWe believe Ms [redacted] has mischaracterized what took placeregarding this procedureOnce our representative received Ms [redacted] ’s email asking that herpayments be canceled so she could further investigate this loan, the payments were immediatelyremovedA note has been placed in the representative’s file and appropriate re-training has taken placeto better assist consumers with their requests.Priority will treat this complaint as a cease and desist and not contact Ms [redacted] regarding thisaccount againWe encourage Ms [redacted] to contact our office if she wishes to discuss this further.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY 14217PHONE ###-###-####FAX ###-###-####

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 meAlso, per your records the company in which sent my information for collections is no longer in businessSince the account has been closed and they have agreed to no longer contact me I am satisfied Regards, [redacted]

October 2, 2015Re: Devin [redacted] Complaint No: [redacted] Priority One Resolutions (“Priority”) has received and reviewed Ms [redacted] ’s follow up to herAugust 31, complaint and we are happy to provide further response.As discussed in our previous response, Ms [redacted] ’s request to cancel her previously setuppayment plan with us was immediately honoredAfter receiving her email requesting we do so, allpayments were canceledWe have since placed our manager who handled this account through retrainingas to how to properly handle these types of requestsWe are not sure how else to help Ms[redacted] regarding this issue as all payments have been canceled as requested and no further contact onthis account has taken place.At Priority, we strive to ensure that all letters and correspondence that we send to consumers arecompliant with federal lawMs [redacted] ’s request for verification of debt was timely sent to her andprovided all information that federal law requiresWe have reached out and are attempting to acquirethe original documentation signed by Ms [redacted] and will forward it to her if and when receive it.Until that time, we are not sure how else we can assist Ms [redacted] other than assuring her that we willnot contact her anymore and will ensure that her loan is not resold.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY 14217PHONE ###-###-####FAX ###-###-####

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.We are grateful for the opportunity to respond.Priority is a collection agency, and the current owner and creditor of an outstanding personalloan in Mr [redacted] 's name for collectionThe original creditor of the personal loan is [redacted] Financial, and last four (4) digits of the original account number are Attached for theconvenience of your office, and Mr [redacted] , is a verification of debt letter.We are forced to respectfully disagree with some points of Mr [redacted] 's complaintWe spokewith Mr [redacted] only once, on November 5, We have spoken to the representative who spoke toMr [redacted] , as well as listened to our recording of the call, and do not believe he was “bullied” as hesuggestsMr [redacted] was simply informed of the claim in our officeAt that time, he did not ask usfor any documentation, but told us he was going to investigate furtherWe were unaware of the issuessurrounding Mr [redacted] 's Social Security Number until November 10, 2015, at which point wereceived a fax from himUpon receipt of this fax, his account was immediately notated in order toreflect that it's placement in our office was the result of fraudulent activity.Unfortunately, we are not able to speak to any activity that occurred regarding this accountbefore it was placed in our office on November 5, All information on our files is verified priorto any account being placed in our officeWe have informed our brokers of this situation, and willforward any additional information if it becomes available to us.No calls have been placed to Mr [redacted] or any of his associates since our receipt of his ceaseand desist request on November 10, We can assure both your office and Mr [redacted] that we willcontinue to honor his request, and will not be contacting him again regarding this matterWe regretnot being able to resolve this with Mr [redacted] directly.Please do not hesitate to contact the undersigned if we can be of any further assistance in thismatter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) is in receipt of the above claim for Ms [redacted] ***,and we appreciate the opportunity to respond.Priority is a collection agency currently collecting on an outdated loan from [redacted] with an account ending with the last four digits of This loan dates back to September, 2012.We originally spoke with Ms [redacted] on 11/9/During that conversation Ms***advised us that she had never taken out a loanFollowing that conversation the account was movedinto a dispute status and has not had any collection attempts sinceAt no point have we beenharassing or rude to Ms***Our agents are trained to be professional and courteous at all times.Not doing so would be counter productive to our businessThis account was only worked one day andis now closed.Please do not hesitate to contact me if I can be of further assistance in this matter.Sincerely,Sherice MP***Authorized Representative of Priority One Resolutions

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 do not wish to be contacted by them ever again and contrary to their response they were extremely rude to me, my wife and other contacts Regards, [redacted]

Priority One Resolutions (“Priority”) has reviewed Ms [redacted] ’s follow up for additionalinformation and we welcome the opportunity to provide additional information.We have provided Ms [redacted] and your office with the verification of debt that was sent to heron October 23, It is not an “invoice” as Ms [redacted] has suggested; rather, it is the verificationof debt letter as required by the Fair Debt Collection Practices ActUnfortunately at this time we donot have the original contract information as she has requested, but have contacted our broker whoprovided us Ms [redacted] ’s account in our portfolio and requested additional informationIf and whenwe obtain this information, we will provide it to Ms [redacted] .Priority is not a creditor that would have provided Ms [redacted] her personal loanInstead, weare a debt collector who obtained Ms [redacted] ’s account for collectionA brief internet searchrevealed that [redacted] ***’s contact information is ###-###-#### | [redacted] ***Glendale, CA 91203.We are not sure how else we can assist Ms [redacted] other than to continue to assure her that wewill not contact her regarding this account again.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has reviewed the complaint listed aboveThank you forthe opportunity to respond.Priority is a collection agency, and the current owner and creditor of an unpaid personal loan inMs [redacted] 's name for collectionThe original creditor of the personal loan is WTJ Capital LLC, andthe last digits of the original account number are ***.While we at Priority understand that Ms [redacted] is upset, and would like to resolve herconcerns, certain statements made in her complaint are simply untrueMs [redacted] was neverthreatened with legal actionMs [redacted] was never told that she had to pay anything back beforeinformation was released to herIn fact, nearly a month before this complaint was filed, Ms [redacted] agreed to a payment arrangement regarding this account on a recorded lineShe contacted our officeon October 19, 2015, and set up a payment plan with us, including a down-payment in the amount of$on that dayThe following day, a standard demand for payment letter was sent to Ms [redacted] via email to [redacted] In addition to this document, Ms [redacted] was also sent a letteroutlining the arrangement she agreed to via DocuSignBoth of these documents are attached for theconvenience of your office.As you can clearly see, the arrangement letter lists all the pertinent information Ms [redacted] isseeking in her complaint, including the name of the original creditorMoreover, Ms [redacted] signedoff on this arrangement letter using a secured e-signature, after entering the last digits of her SocialSecurity Number to verify her identityThis took place at an IP address located in Santa Barbara at2:pmPriority would be happy to provide any call recordings or the certificates associated withthis document at your request.Priority is not sure what other information we can provide to assure both Ms [redacted] and youroffice that the claim is not fraudulentWe welcome Ms [redacted] to contact us directly if she isinterested in resolving this matter, because at this time her account does remain unpaid.Please do not hesitate to contact me if I can be of any further assistance in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.We appreciate the opportunity to respond.Priority is a collection agency and the owner and current creditor of a personal loan in Ms.***'s name for collectionThe original creditor of the personal loan is CP Investors LLC, and thelast digits of the original account number are ***Attached for the convenience of your office andMs [redacted] is a verification of debt letterAll information is verified before being placed in our office.While we at Priority sympathize with Ms***'s concerns, we must respectfully disagree withseveral points of her complaintOur only conversations with Ms [redacted] occurred when she called intoour office, multiple times, over the course of October 20, After the first phone call referencedby Ms***, our representative did place her account into a disputed status, and no further calls weremade from that point forwardMs***'s concerns that we would continue to contact her arecompletely unfoundedWe immediately notated the account upon our first conversation with her, andensured that no further calls were madePriority would like to stress that we take Ms***'sconcerns very seriously, and have taken all available steps to ensure she would not be contacted againregarding this matter.In regards to Ms***'s concerns of our legitimacy, we would like to take this opportunity toassure both your office and Ms [redacted] that we are indeed a legitimate company operating within theguidelines of federal law, specifically the Fair Debt Collection Practices ActIt is our company policynot to give out our physical location or federal tax I.DWe did provide Ms [redacted] with our mailingaddress, and answered all of her other questions, as we are always happy to provide consumers with asmuch information as we can.We would like to note that Ms [redacted] called into our office several times and was told bymultiple representatives that no further calls would be placedWe have not contacted Ms [redacted] sinceOctober 20, 2015, and have no intentions of contacting her againWe regret not being able to resolvethis with Ms [redacted] directly.Please do not hesitate to contact me if you have any further questions or concerns.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint filed by Ms[redacted] and we appreciate the opportunity to respond.Priority is a collection agency and owner and current creditor of a personal loan Ms [redacted] took out in November, The last four account number digits for the Highlands Holdings loan areAttached for Ms [redacted] ’s convenience is the verification of debt letterMs [redacted] filed thiscomplaint the same day the attached was requested.Priority did place some calls to Ms [redacted] ’s references that were listed on her loan in anattempt to locate Ms [redacted] All skip-tracing efforts are done in compliance with federal law,specifically the Fair Debt Collection Practices ActWe take great care training our representatives tonot disclose anything about the purpose of the call other than to locate the consumer, and do notdisclose our company name unless specifically askedWhile we did place some calls with herreferences, Ms [redacted] ’s indication that we called “times within hours” is simply not trueWecalled each of her references only one time each in an effort to locate Ms [redacted] .We have reviewed the account and would like to apologize to Ms [redacted] for themisunderstanding with our representativeWhen Ms [redacted] called in to discuss possible repaymentof her loan with us, she was agitated and our representative asked her to calm downWe understandthat this can be stressful and we train our representatives to always be courteous and understandingwith consumersA note has been placed in the representatives file and appropriate re-training will takeplace.Priority will treat this complaint as a cease and desist and not contact Ms [redacted] regarding thisaccount again unless Ms [redacted] calls into our office as her loan currently remains unpaid.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

National Principal Group (NP Group) is in receipt of the complaint referenced above in regards to Mr***Thank you for giving us the opportunity to respond to this matterNP Group is a collection agency collectingon an outdated personal loan in Mr***'s nameAll information is verified before accounts are placed inour office by the current creditor and ownerNP Group follows all federal law; specifically the Fair Debt CollectionPractices Act (FDCPA).During our location efforts NP Group's records reflect that we have spoken to Mr***on May 26,Once NP Group verified that we had the correct party we then verified our information with him andsent him the required noticeDuring our one and only conversation with Mr [redacted] he disputed the loanNPGroup took Mr***'s claim at face value and notated the account as suchMr***'s account has been movedto a nonworking status and the current creditor and owner has been notified.NP Group accepts Mr***'s complaint as a "Cease and Desist'' and will not contact him again on thismatterPlease feel free to contact us for any additional questions or concerns regarding this matter.Sincerely,Authorized Representative of NP Group

Thank you for forwarding to us the complaint by Ms [redacted] Priority One Resolutions(“Priority”) has received and reviewed the complaint filed by Ms [redacted] and we appreciate theopportunity to respond.We respectfully disagree with Ms [redacted] on some points in her complaintWe did place a callto her mother in an effort to locate Ms [redacted] as she listed her mother as a reference on her originalapplicationWe take great measure to ensure our representatives do not disclose the purpose of the callwhile skip-tracing, in compliance with federal lawSpecifically, at no time did anyone from our officesthreaten or refer to fraud or legal actionThese allegations are taken very seriously and would result inimmediate termination of any employee if it was discovered this type of action took placeIf you haveevidence to the contrary, please send it to us so we can take appropriate actionA note has been placedin the employee’s file and increased supervision will take place on all calls.Priority will honor Ms [redacted] ’ request and cease and desist all contact with Ms [redacted] and herfamily regarding this account again.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.Thank you for the opportunity to respond.Priority is a collection agency and the current owner and creditor of an outstanding personalloan associated with the name [redacted] for collectionThe original creditor of the personalloan is [redacted] , LLC, and the last digits of the original account number are 9227.Priority did place calls in order to obtain or confirm location information for [redacted] , in order to send her a letter as required by federal lawAll calls placed are done incompliance with the Fair Debt Collection Practices ActWhen skip tracing, we take care not todisclose the purpose of our call, and not to name our company unless specifically asked.We at Priority never spoke to Ms [redacted] , and therefore were unable to verify if she is indeedthe consumer we were seekingWe can assure both your office and Ms [redacted] that no one here everrefused to provide documentation, as we never spoke to herOnly one call was placed to each numberwe have on file for [redacted] , and all of those calls took place on October 30, We donot know if Ms [redacted] is receiving calls from other agencies, but we would like to stress that heraccusations of refusing to provide written documentation are completely unfounded.We understand Ms [redacted] 's concerns regarding the legitimacy of this loanConsidering thatwe never spoke to Ms [redacted] , we are unable to comment on whether or not she is the individualassociated with the account we have on file.We received an email from Ms [redacted] on our next business day, November 2, 2015, requestingthat all contact be ceasedAt that point the account was immediately documented to ensure no furthercalls would be madeWe have not contacted Ms [redacted] or any of her associates since October 30,2015, and will continue to honor the cease and desist request she sent into our office.We regret not being able to resolve this with Ms [redacted] directly.Please contact the undersigned if I can be of any further assistance in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Attached please see our response Thank you!Priority One Resolutions (“POR”) is in receipt of the complaint referenced aboveThank you for giving us the opportunity to respond to this matter.We are obligated to send a letter to a consumer with the same name as Ms [redacted] , and were attempting to both confirm her address and her identity to ensure the letter reached the correct personCalls made to Ms [redacted] and her sister were to obtain or confirm location information and are made in conformity with federal law, specifically the Fair Debt Collection Practices Act (FDCPA)While skiptracing, we take care to avoid disclosing our name, unless specifically asked, and to avoid disclosing that there is a debt involvedAs stated by Ms [redacted] herself, POR’s representatives did not disclose any information to her sister as they were unable to verify the identity of the consumer they were attempting to locate.Unfortunately, we were unable to verify the consumer we were looking for as no contact was ever made with Ms [redacted] However, POR will honor Ms [redacted] ’s request and treat this notice as a “cease and desist” and will not contact her or her family again regarding this matter unless Ms [redacted] calls into POR herselfWe regret not having been able to resolve this entire matter with Ms [redacted] directly and encourage her to contact POR to discuss this furtherPlease contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.Thank you for the opportunity to respond.Priority is a collection agency and the current creditor and owner of an account in Mr[redacted] 's name for collectionThe original creditor of the personal loan is [redacted] Management,and the last original account number digits are Attached for your office's and Mr [redacted] 'sconvenience is a verification of debt letter.We would like to sincerely apologize that Mr [redacted] did not receive the correspondence herequested in a timely mannerUpon investigation, we believe there was an error in communicationbetween the representative who spoke to Mr [redacted] and our correspondence departmentAllcorrespondence sent electronically is locked with a password specific to the consumer, and our recordsindicate we were not able to verify any information with Mr [redacted] that would allow us to ensurethe correspondence reached the correct consumerWe take great care to not disclose any informationto third parties, and are examining our correspondence processes to see if there may be a moreefficient way to protect the privacy of our consumers.We have spoken to the representative who spoke to Mr [redacted] , and we must disagree withsome statements made in his complaintAt no point was Mr [redacted] told he would have legalaction taken against him, nor was he told that his credit score could be negatively affectedMr[redacted] was simply informed of the account in our office and given an opportunity to resolve itvoluntarily.We have not contacted Mr [redacted] since November 4, 2015, and have no intention ofcontacting him again regarding this matterWe will continue to honor his request for no contact, andcan assure him we will not contact him or any of his references in the future.Please do not hesitate to contact me if I can be of any further assistance in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY