Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint referencedabove, and are grateful for the opportunity to respond.Priority is a collection agency, and the current owner and creditor of an outstanding personalloan associated with Ms [redacted] The original creditor of the personal loan is Lazer Lending andthe last digits of the original account number are Attached for the convenience of your officeand Ms [redacted] is a verification of debt letter.Priority did place calls to family members of Ms [redacted] as she states in her complaintAllof these calls are made solely for the purpose of obtaining or confirming location information, andwere all made in compliance with federal law, specifically the Fair Debt Collection Practices Act.However, we are forced to respectfully disagree with several other points of her complaint.We disagree with Ms [redacted] 's characterization of our calls to relatives as “harassing.” Ms[redacted] 's account was only placed in our office on November 12, 2015, and we ceased all collectionefforts on November 16, 2015, meaning the account was only active for two business daysAllmessages left, as stated above, were merely attempts to locate Ms [redacted] In addition, neither Ms[redacted] nor any of her associates were ever told that we would “track her down” or “be servedpapers.” Priority is not in the business of “threatening” consumers, as doing do would becounterproductive to us conducting businessIf your office or Ms [redacted] has any evidence thatconflicts with these findings of our internal investigation, we would appreciate having it forwarded tous immediatelyAs a third point, as you can see from the attached letter, we did have Ms [redacted] 'sfirst name in our filesIt is our belief that the discrepancy in last name is most likely a result ofmarriage, as Ms [redacted] did verify that the last digits of her Social Security Number match theones listed on our accountRegardless of this, we take Ms [redacted] at her word and havedocumented the account appropriately to show she does not believe this debt is valid.Priority would also like to note that we are not a “scam” as Ms [redacted] claimsWe are alegitimate business operating within the guidelines of federal law and registered with all appropriategovernment agencies.Regardless, we will treat Ms [redacted] 's complaint as a cease and desist, and assure both Ms[redacted] and your office that we will not be contacting her again regarding this matter.We invite both your office and Ms [redacted] to contact us directly if we can be of any furtherassistance.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Please see our attached response to complaint ID No: [redacted] Priority One Resolutions (“Priority”) has received and reviewed the complaint referenced above and appreciates the opportunity to respondPriority is a collection agency and the owner and current creditor of a loan in Mr ***’s nameThe original creditor of the personal loan is [redacted] and the last account digits are ***We spoke with Mr [redacted] on August 14, whereby he expressed to our representative that he had never taken out a loan with the original creditor and that the IP address given matched his son and not himHe disclosed to our representative that he believes his son took this loan out in Mr***’s nameWe are sorry to hear that; and as a token of our apology, we are going to waive any obligation to the above loanMr [redacted] can consider this satisfied in full and we wish him all of the bestThere will be no further contact regarding this account to Mr [redacted] and he can feel free to contact us if there are any issuesPlease contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B [redacted] Authorized Representative of Priority One Resolutions

Please see our attached response to complaint ID [redacted] Priority One Resolutions (“Priority”) has received and reviewed the complaint referenced above and appreciates the opportunity to respond. Priority did contact Ms. [redacted] in an attempt to locate her husband as she... indicates. Priority is the owner and current creditor of a personal loan Mr. [redacted] took out with [redacted] ***, last four account digits ***. Despite Ms. [redacted] ’s claim, verification of the debt was sent to Mr. [redacted] via his email on August 20, 2015 as per his instructions. We are not sure why Ms. [redacted] claims Priority is a scam as we are registered with the Secretary of State and have provided all verifying information as per federal law, specifically the Fair Debt Collection Practices Act. We spoke with our representative who respectfully disagrees with Ms. [redacted] ’s claim that her or her husband were bullied. This is the first time either Ms. [redacted] or her husband have ever disputed the debt, and in fact, they set up a payment to pay it off. However, we will take their word for it that this does not belong to them and will refund any payments made on the account. We apologize for any inconvenience and ask that Ms. [redacted] give up to 2 weeks for the refund to show up on her account. 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 reviewed Mr [redacted] ’s follow up response and weare happy to provide additional information.We have told Mr [redacted] numerous times, including when we first spoke with him, that wehave closed his account and have no plan to contact him again regarding itDespite Mr [redacted] ’sclaims, we do in fact have legal right to collect on the portfolio that included Mr [redacted] ’sinformation.The core issue is that Mr [redacted] asserts he never received the loanWhen we purchase ortake for placement a portfolio from a client, we have reasonable belief that the information provided isaccurate considering it contained so much correct confidential informationWe do believe that Mr[redacted] at least applied for the loan as he states he has in the pastSince he denies receiving the loan,we are taking his statement at face value and have notified our brokers of suchWe have contacted ourbrokers about this matter in an effort to determine how this mistake occurredAs we’ve statednumerous times, Mr [redacted] ’s account has been closed and will continue to remain closed.We trust that Mr [redacted] finds our response satisfactory.Please contact the undersigned if you have any additional questions.Sincerely,Caitlin B [redacted] 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 take issue with the statement: "we are taking her statement at face value"They aren't taking anything at face valueIt's been proven that the information they received was incorrectThere's no way they could have been provided the [redacted] account ending in [redacted] for a transaction that took place in since that account wasn't opened until It is also my assertion that they knew that the information they were provided was incorrect, but they proceeded to try to collect money anywayIn addition, they are NOT registered with the Florida Office of Financial Regulation, so they should have never tried to collect money from me in the first place Regards, [redacted] ***

National Principal Group ("NP Group") is in receipt of the above referenced Complaint with regards to Mr [redacted] We appreciate the opportunity to respond to this matterPersonal loans in Mr [redacted] name have been placed in our office by the current creditor and owner for collection and there are a total of three loansAll information has been verified before the placements of the accounts with NP GroupNP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA)Any calls made with regards to Ms [redacted] followed those regulations and guidelinesDuring our skip tracing and location efforts we were attempting to locate Mr [redacted] to send him a required noticeUpon verifying his identity we were able to provide him with the details of the accounts in our officeAt that time, he immediately disputed the debts and we placed an throe loansinto a non working status and since have ceased all communication with himWe would like to assure not only your office but also Mr [redacted] that there will be no further communication attempts to him regarding this matterNP Group has accepted this complaint as a formal cease and desistsPlease feel free to contact NP Group with any additional questions you may haveBest Regards, Authorized Representative of NP Group

Priority One Resolutions (“Priority”) has received the complaint listed aboveWe appreciatethe opportunity to respond.Priority is a collection agency and the current creditor of an outstanding personal loan in Ms.***'s name for collectionThe original creditor of the outstanding loan is *** Lending, and thelast digits of the original account number are ***.We spoke to Ms [redacted] only once, on November 18, At this time she indicated that shedid not believe this debt was valid, and that she would be filing this complaint with your officeWetake Ms [redacted] at her word, and immediately notated the account to reflect that the debt was disputed.All information pertaining to this account was verified before it being placed in our office, and Prioritywould like to note that we share Ms***'s concerns regarding the information we have on file notbeing relevant to her in regards to the time this loan was taken outWe are investigating further, andwelcome Ms [redacted] to contact our office if she has nay additional information that may be ofassistance.In the meantime, we will treat Ms***'s complaint as a cease and desistWe have notcontacted Ms [redacted] since our initial conversation with her, and will continue to honor her request.We can assure both Ms [redacted] and your office that she will not be hearing from us again regardingthis matter.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

Please see our attached response to complaint ID [redacted] Priority One Resolutions (“POR”) has received and reviewed the complaint referenced above and appreciates the opportunity to respond.We are obligated to send a letter to a consumer with the same name as Ms***, 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 place of employment were to obtain or confirm location information and are made in conformity with federal law, specifically the Fair Debt Collection Practices Act (FDCPA).POR did speak with Ms***’ co-worker as she indicated; however, POR ensures not to disclose any personal information about a consumer prior to verifying all necessary informationPOR spoke with the representative that contacted Ms***’ place of employment and they ensure that they were only attempting to acquire the necessary contact information for MsJ***Once it was determined that the number dialed was not one that Ms [redacted] could be reached at, no further contact took place.POR will treat this complaint as a cease and desist and not contact Ms [redacted] regarding this account again and apologizes for any confusion.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”) appreciates the opportunity to respond to the claimreceived on behalf of [redacted] .Priority is a collection agency currently collecting on an outdated loan from Paragon Fundingdating back to November, with an account number ending in 5665.We understand Ms [redacted] 's concerns and are glad to have the opportunity to clarify some ofthe statements made in her complaintFirst we would like to assure Ms [redacted] that we are not ascamAll information regarding her comes from the original loan application, and has been verified byMs [redacted] during our conversation with her on 11/13/When we were informed that this wassomething she did not do we took her statement at face value and moved the account into a Fraud statuswhich immediately ceases any and all activityThere has been no further attempt to collect on thisaccount since that initial conversationSince the account entered into our office on 11/13/2015, it hadonly been worked one dayWe cannot speak to what people will say about us, but we can attest that allactivity concerning this claim followed Fair Debt Collection Practices Act regulations and guidelines.Please feel free to contact me if I can be of further assistance in this matter.Sincerely,Sherice MP***Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) is in receipt Mr [redacted] ’ request for additionalinformation and we are happy to assist any way we can.As Mr [redacted] states, we were attempting to locate Ms [redacted] via skip-tracing effortsInaccordance with the Fair Debt Collection Practices Act, when attempting to skip-trace consumers, wemake sure not to disclose the purpose of our calls to any third partyAs our representatives are trained,this was the case when speaking with Mr [redacted] .We are truly sorry for any “sensitive issues” and “deeper wounds” that were brought out bycontacting Mr [redacted] Unfortunately, as stated above, we can’t disclose all of the information Mr[redacted] is seekingWe are able to tell him that our information listing him as a reference for Ms[redacted] was provided to us when we acquired Ms***’s accountThere was no pulling of Mr[redacted] ’ credit report and absolutely nothing should be present on it from FMR.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 Ms [redacted] 's follow up toher September 11, complaint and appreciate the opportuniy to provide further response.At stated in our previous response, calls to Ms [redacted] from our office only took place for afew days beginning on September 9, We cannot speak to any other agencies or Ms [redacted] 'sexperience, but we would like to again assure both your office and Ms [redacted] that we neverattempted to contact her prior to September 9, No calls were placed to Ms [redacted] afterSeptember 11, 2015.We sincerely apologize for any confusion over the incorrect information Ms [redacted] alludesto in her responseAll information we receive is verified prior to being placed in our officeWegreatly appreciate Ms [redacted] 's suggestion that we develop a better system of verification prior toaccount placement, and plan on working both internally and with our collaborators to improve ourmethods.We will continue to honor Ms [redacted] 's request and not contact her again regarding thismatter, and wish her the best.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

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. Although their response contained multiple false statements the over all outcome is satisfactory Regards, [redacted]

Priority One Resolutions (“Priority”) is in receipt of the above mentioned claim for [redacted] , and appreciates the opportunity to respond.Priority is a collection agency which was collecting on an outstanding personal loan in Mr[redacted] 's nameThis dates back to January, with an original creditor of [redacted] While we sympathize with Mr [redacted] 's position, we must adamantly disagree with hisrecollection of events surrounding our dealings with himWe originally spoke with Mr [redacted] on12/10/At that time he verified all of the information we had on file for him and advised that hewould contact us back the following day to post half of the balance and setup an arrangement for theremainderMr [redacted] did call back on 12/11/and setup the arrangement as agreed in the initialconversationAttached you will find the payment arrangement letter we sent to Mr [redacted] showingthe arrangement he agreed toIt clearly states that the original payment was to be taken out on12/11/and the final payment would be processed on 12/21/We had only ever received theinitial payment and did not try to run the other payment until the agreed upon dateWhen his secondpayment was processed on 12/21/it came back declined; with an error code stating that the card heput on file was invalidIf Mr [redacted] had an additional transaction on his account we would like toassure both your organization, and Mr [redacted] that it was not from our companyPriority has verifiedthat Mr [redacted] 's card was only processed twice through our payment processing company, once on12/11/2015, and again on 12/21/If he has information to the contrary we urge that he send thatinto us so that we can do a further investigation.As it stands Mr [redacted] 's account is in a decline status as his final payment did not go through.Mr [redacted] has also charged back his initial payment through his bank, and now has nothing towardsthe outstanding balance he agreed to pay backWe urge Mr [redacted] to contact us back so that we canre-setup his arrangementPlease feel free to contact the undersigned with any further questions.Sincerely,Sherice MP***Authorized Representative of Priority One Resolutions

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 Mr.***'s name for collectionThe original creditor of the loan is Alpine
Direct Services, and the lastdigits of the original account number are ***Attached for your office's and Mr***'sconvenience in a verification of debt letter.We did contact some of Mr***'s relatives in an attempt to obtain or confirm locationinformation for Mr***All skip-tracing calls are placed in compliance with federal law,specifically the Fair Debt Collection Practices Act.Priority would like to sincerely apologize that Mr*** did not receive the documentationhe requested from usWe have investigated, and found there to be a clerical error on the part of ourrepresentative and our correspondence departmentTypically consumers will receive anydocumentation requested within two business daysAgain, we apologize for this oversight, andencourage Mr*** to contact us directly if he is still interested in resolving or receivingcorrespondence.However, we must disagree with Mr***'s statement that he or his family was ever“threatened” by anyone here at PriorityAs stated above, when skip-tracing, we take the utmost careto comply with all laws, and no representative “threatened” any of Mr***'s references with legalactionsNor was Mr*** “threatened” in any way when he called into our office, he was merelyadvised of what the claim in our office was regardingPriority takes these concerns very seriously,and if you or Mr*** have any evidence to the contrary, we would appreciate it being forwardedto us so appropriate disciplinary action can take place.We will continue to treat this complaint as a cease and desist, and not contact Mr*** orany of his references again regarding this matterWe regret not being able to resolve this with Mr.***.Please do not hesitate to contact me if you have any further questions or concerns.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

In Re: *** ***Complaint ID: ***Dear ***: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 current creditor and owner of a personal loan taken outin Ms***'s name
for collectionThe original creditor of the personal loan was *** ***,and the last digits of the original account number are ***Attached for your office's convenience isa verification of debt letter that was sent to Ms*** at her request on October 20, 2015.We spoke with Ms*** twice on October 20, In her initial conversation with ourrepresentative, Ms*** indicated this debt was something she would like to resolve with our office.She requested that documentation be sent to her via email at l***[email protected] , and was sent theattached letter immediately upon her request at approximately a.mEastern Standard Time.After reviewing the documentation, Ms*** called back into our office at approximately11:a.mEastern Standard Time that same dayAt this point Ms*** informed our representativethat she did not believe she was responsible for this debtMs***'s account was immediatelynotated to reflect this, and no calls have been placed since October 20, 2015, at p.mEasternStandard Time.Though all information is verified before being placed in our office, we appreciate Ms***'sconcerns, and have honored her request to not contact her again regarding this matterWe at Prioritytake consumer concerns very seriously, and would like to assure both your office and Ms*** thather account was properly documented to reflect her statementsWe will continue to treat thiscomplaint as a cease and desistWe regret not being able to resolve this with Ms*** directly.Please do not hesitate to contact me if I can be of further assistance in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed Ms***’ complaintWeappreciate the opportunity to respond.Priority was attempting to contact Ms*** to verify her identity and location informationto send her a letter as required by federal lawThere were some calls
placed to contacts of Ms.*** in an attempt to locate herAll skip-tracing efforts are in compliance with federal lawWetake great care training our representatives to not disclose anything about the purpose of our calls otherthan to locate the consumer, and do not disclose our company name unless specifically asked.Ms*** states in her complaint that we have been calling her since August 20, 2015;however, we did not begin placing calls to Ms*** until September 9, We are not sure ifMs*** is receiving calls from other agencies, but we can assure her that it was not us.We did speak with Ms*** on September 14, 2015, but were unable to verify herinformationMs*** called into Priority and began immediately disputing a debt that she hadnever been contacted regardingWe are led to believe even more so that Ms*** had spoken toanother agency regarding an alleged debt because of this conversationWhile we did speak to Ms.***, there was never a threat or implication to serve her legal papersAs stated, we only spoketo Ms*** one time in an attempt to verify her identity and believe that this complaint isdirected at the wrong agencyPriority would like to note that they are not a “scam” and are not surewhere she received this incorrect informationWe wish there was a way to address these falseallegations against our company that is registered with the Secretary of State.Ms*** did request that we cease and desist all contact with her on September 14, 2015when we spoke with her and no contact has taken place since that timeWe will continue to honor herrequest and not contact her again regarding this matterWe are sorry we could not assist more and wishMs*** the best of luck locating the correct agency.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Prioirty One Resolutions (“Priority”) has reviewed the complaint listed aboveWe appreciatethe opportunity to respond.Prioirty is a collection agency, and had purchased a portfolio of unpaid debts which includedone with the name and reference information for a Mr*** ***We did contact Mr
*** in anattempt to obtain or confirm location information for this individualAll skip-tracing efforts are donein compliance with federal law, specifically the Fair Debt Collection Practices Act (FDCPA)When wespoke to Mr*** on October 22, he informed us that the person we were seeking was deceased.At this time, we immediately notated the account to ensure no further calls were made.We can understand how this situation could be upsetting for Mr***, and would like toapologize for any discomfort our skip-tracing efforts causedWe can assure Mr*** neither himselfnor any other references regarding this account will be contacted again.We would like to take this opportunity to assure both your office and Mr*** that Priority isindeed a legitimate company, operating within the guidelines of the FDCPAWe have researched thisaccount and have found no infractions, or “broken regulations” as Mr*** assertsWe were simplyunaware of the fact that the consumer we were seeking was deceasedWe will be looking into thisfurther and working with our brokers to find more efficient ways of filtering out these type of accounts.We would like to again apologize to Mr*** for any discomfort our call caused him, and offerhim sincerest condolences on the loss of his brother.Please do not hesitate to contact me if I can be of any further assitance.Sincerely,Caitlin B***Authorized Representative of Priority One ResolutionsDelaware Ave, #

Please see our attached response to complaint ID no: Thank you.Priority One Resolutions (“POR”) has received the complaint filed by MsSmithWe appreciate the opportunity to respond.POR is a collection agency and the current creditor and owner of an unpaid personal loan Ms
Smith took out in August, POR purchased and assumed all rights to MsSmith’s personal loan in July, 2015. The original creditor of the personal loan MsSmith took out was Cash Tyme IncThe last four account number digits are We are attaching the verification of debt letter for your office’s and MsSmith’s convenience.After reviewing Ms***’s complaint, POR would like to state that Ms*** is misguided and totally incorrect in her account of what happened with PORWe would like to note that this account was only worked for one day on August 5, POR did contact Ms***’s mother on that day in an attempt to locate Ms. *** as her mother’s number was listed as a “relative reference” on her initial applicationClaims that POR contacted her mother “all the time” and on Sundays are simply wrongAs stated, we only worked the account for one day and our office is not open on weekendsWe are not sure whether or not Ms*** has other agencies contacting her about other loans, but can assure her and your office that it is not usWe would also like to note that there was never contact to Ms***’s place of employmentThe number she provided for her place of employment was a deactivated number.As Ms*** states, POR did speak with her at her mother’s houseAfter verifying all required information, we explained the above to Ms*** regarding her loanMs*** stated that she would like POR to cease and desist and leave her alone at which point the call was endedThere was no further contact after that point.POR spoke with the representative that spoke with Ms*** and they vehemently deny her allegations that the representative stated we would “make her life a living ***,” or stated that Ms*** would be pursued for a felonyAs stated, there was only contact with Ms*** on one occasion which she requested we cease contacting her.It is unfortunate that we could not fully resolve this with Ms*** directly, but will continue to honor her request to cease and desist regarding this account unless Ms*** calls into POR directly to resolve her currently unpaid account.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) is in receipt of the complaint listed aboveWe aregrateful for the opportunity to respond.Priority is a collection agency and the owner and current creditor of an outstanding personalloan in Ms***'s name for collectionThe original creditor of the
personal loan is *** ***LLC, and the last original account number digits are ***Attached for the convenience of youroffice is the verification of debt letter that was sent to Ms*** via email to [email protected] spoke to Ms*** only once, when she called into our office on November 12,During that conversation, she did not inform us that she wished to dispute the debt, or that shethought it may be fraudulentHad she done so, we would have immediately notated her accountproperly and ensured no further collection efforts by our company would take place.Unfortunately, Priority cannot speak to correspondence or a lack thereof from the InsightCapital LLC or any other companyAll of the information on the account is verified before it isplaced in our office, and the correspondence Ms*** requested from us was sent to her in a timelymanner, within hours of her request.Ms*** mentions that the information we have is outdated, but all information on our filedoes correspond with the original account, which was taken out in Regardless, we will treat Ms.***'s complaint as a cease and desist, and honor her request that we not contact her again aboutthis matterWe regret not being able to resolve this with Ms*** on directly.I welcome your office, or Ms***, to contact us if we can be of any further assistance inthis matter.Sincerely,Caitlin B***Authorized Representative of Priority One ResolutionsDelaware Ave, #

Priority One Resolutions (“Priority”) appreciates the opportunity to respond to our originalresponse regarding the above mentioned claim for Ms*** ***.As stated previously, Ms*** had signed off using an electronic signature on a paymentarrangement with our company for the total amount of $Although the original agreement is nolonger valid, we have since deleted any future payments regarding this claim and are willing toconsider the loan paid in full based on her initial deposit of $20.00.We are sorry for the misunderstanding that occurred during the initial conversation with Ms.***, and hope that this will be considered a viable solutionPlease feel free to contact theundersigned for any further questions or concerns.Sincerely,Sherice MP***Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY