Professional Bureau of Collections of Maryland, Inc.

Initial Business Response /* (1000, 12, 2015/07/03) */
Revdex.com of Denver/Boulder
***
Re: Mr***
Case #: ***
RE: ***
Dear Revdex.com,
Professional Bureau of Collections of Maryland, Inc
("PBCM") is in receipt of your notice of a complaint from Mr***
We would like to thank you for bringing this matter to our attentionWe value customer feedback and strive to improve both as a company and representative for our clients
If there are any future payments scheduled we are happy to delete them if Mr*** would likeWe would also like to work with Mr*** on a continued payment arrangement that best fits his financial situationMr*** may contact our Operations Manager, *** *** directly at (XXX) XXX-XXXX or toll free at (XXX) XXX-XXXX
Sincerely,
***
Quality Assurance Manager
Professional Bureau of Collections of Maryland, Inc
DTC Parkway
Greenwood Village, CO XXXXX
Phone (XXX) XXX-XXXX ext***

Complaint: [redacted]
I am rejecting this response because: We moved around the time frame the said "notification" was sent. We received no such notification. We therefore did not have ample time to appeal this intention. No valid contract exist expressing authorization for this company to collect on the supposed debt. We sent a request asking for this company to provide validation of the debt, a definitive balance, as well as when they were given authorization to excercise collection efforts, no response was sent.
Sincerely,
[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.
I was under the impression that all of my loans had been consolidated, But somehow this one was not included. I am only able to pay $250 a month on these.
Sincerely,
[redacted]

Revdex.com Serving Denver/Boulder 3801 E. Florida Ave., Ste. 350 Denver, CO 80210   Re: [redacted] Case #:  [redacted]     RE: [redacted]   Dear Revdex.com,   Professional Bureau of Collections of Maryland, Inc. (“PBCM”) is in receipt...

of your notice of a complaint from [redacted].   We would like to thank you for bringing this matter to our attention. We value customer feedback and strive to improve both as a company and representative for our clients.   PBCM spoke with [redacted] in December when he mentioned he had previously paid this loan off.  [redacted] stated he would confirm with the loan originator and follow up with us. We hadn’t heard from [redacted] until now and are in the process of requesting information from our client. Once the information is received we will send it to [redacted].   Sincerely,   [redacted] Quality Assurance Manager Professional Bureau of Collections of Maryland, Inc. [redacted]

[redacted] settled his account on August 17, 2017.  The credit bureau was notified of the settlement on August 24th.  Please allow up to 30 days for the credit bureau to update the information.   In the mean time, we have sent a letter to [redacted] confirming that the account is...

settled in full.

Complaint: [redacted]
I am rejecting this response because:The information provided in the response is PARTIALLY true. The conversation described above is in regards to ONE of the MANY conversations that I've had with their company representatives. Unfortunately it wasn't the initial conversation where a settlement, expectations, and future actions were discussed! I would like for the company to do their due diligence before replying by playing ALL of the conversations that I've had with them within a week's time frame of me making the payment. I'm certain they will find the call where the representative went back and fourth between the manager and I as I asked specific questions about the  credit reporting and I was informed that the manager could due the reporting b/c they have legal ownership of the account.As it relates to the payment, that information is AGAIN PARTIALLY correct. There was an issue with my check(bank error) HOWEVER on 12/1/16 immediately after receiving an email from my bank about an error with a check(wasn't merchant specific) I reached out to the collection company. I explained the email, asked the representative to look into my payment, and was VERY CLEAR that I didn't want it to be any future issues nor give the impression that I was going against our agreement. I offered to make a DEBIT card payment at that time! I was assured that everything was fine with my payment, only to receive a call several days later about the exact issue that I tried to prevent. But they're not proactive as whole!AGAIN, please do the necessary due diligence and provide full and accurate responses.  
Sincerely,
[redacted]

To date, November 16th, our representative placed two calls in an attempt to reach [redacted] regarding her delinquent ADS account.  An unidentified female at the first number told our representative that the number did not belong to [redacted].  Our representative then called another...

number and left a voicemail for [redacted].  The call has not been returned and no other calls have been placed to [redacted] regarding this account.       In the past, our agency has handled two additional delinquent accounts belonging to [redacted].  Both accounts were closed with no resolve:  one in December 2015 and the other in June 2016.     Should you have questions, please feel free to contact me.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. The situation is grim for me at this point and I can't make any payments due to disability and being unemployed. The creditor pulled the account during the time the money was in the account and available for retrieval. The retirement funds have run out and I'm without funds.
Sincerely,
[redacted]

Attached is a copy of our letter and supporting documentation that was sent to [redacted].  To date, our representative has spoken with [redacted] one time.  Our representative tried to explain to her that she was confusing this private student loan with her federal student loan.  She...

replied, "I will have my attorney deal with this", and hung-up without providing her attorney's name and phone number.  [redacted] needs to provide PBCM with her attorney information.  Per her request, she will not receive another call from PBCM.

(The consumer indicated he/she DID NOT accept the response from the business.)
The business is incorrect in their assessment of the statute of limitations. I have paperwork showing clearly that they have exceeded the statute of limitations and therefore have turned this matter over to my attorney. In addition I also contacted the court and informed them of their tactics to collect on a debt which they are not the creditor for and have no legal authorization to do so. I will pursue this matter further legally. This company has been sanctioned many times by the court for filing bad debts and also for improper business practices in pursuing debts that they are not legally authorized to collect on. I have never been contacted prior by this company regarding any type of payment arrangements. So their statement is a false and a blatant attempt to collect monies that they have no legal right to collect.

[redacted]' delinquent [redacted] account was placed for collection with our agency.  The account was for a primary gym membership with [redacted].  Per [redacted]'s request, we have asked the creditor to provide detailed account documentation.  Once received, we will...

forward copies to [redacted].  In addition , we would like  [redacted] to provide us with a copy of the cancellation letter she sent to the gym headquarters.

Cascade Receivables Management placed Ms. [redacted]'s delinquent [redacted] account with our agency for collection.   The account is for treatment of a tobacco use disorder on February 8, 2015.  We have requested additional account documentation that will be forwarded to Ms....

[redacted].  In addition, the account will be removed from her credit report until the dispute is resolved.

November 30, 2015
Revdex.com of Denver/Boulder
1020 Cherokee St.
Denver, CO 80204-4039
Re: [redacted]
Case #: [redacted]
RE: [redacted]
Dear Revdex.com,
Professional Bureau of Collections of Maryland, Inc. ("PBCM") is in receipt of your...

notice of a complaint from [redacted]
We would like to thank you for bringing this matter to our attention. We value customer feedback and strive to improve both as a company and representative for our clients.
In response to the consumer complaint received by PBCM from [redacted], the consumer is incorrect in her assessment of the legal rights to pursue her debt. The filing date is clearly within the two year Statute of Limitations for collections on the consumer debt created by written instrument and the agreement which was extended to allow more time for [redacted] to repay the debt plus interest in full. However, [redacted] failed to repay the debt and interest on or before the agreed upon date thus resulting in a breach of contract and the current cause of action.
Sincerely,
[redacted]
Quality Assurance Manager
Professional Bureau of Collections of Maryland, Inc.
[redacted]
[redacted]
Phone [redacted]

Complaint: [redacted]I am rejecting this response because: The information provided to you by Professional bureau of collections is incorrect! This company has never given me nor [redacted] the name "[redacted]" as the debt collector that had sold this debt to them. They have not contacted [redacted] requesting that it be removed until they can determine and verify that this is in fact a scam and not at all a debt that I owe! I have been in contact with [redacted] on a daily basis and they are unaware of any such recommendation made by this company to have it removed from my report until further facts are presented to insure that this is in fact a debt of mine. They cannot provide this info because they cannot prove this is my debt in any way shape or form! I have found thru my investagations that this account was originally opened in 2013. I have been a [redacted] customer for over 15 years. [redacted] would have never allowed any customer to owe this much money and still allow them to maintain an open account! I did add **. to my name just to make sure this company is aware that there is a [redacted] out there. Could this be his account? Maybe! I expect and truly believe this to be complete fraud and or wrongful alligations against my name and my reputation, along with a judgement against my credit report!  Sincerely,[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.
Sincerely,
 [redacted]

Initial Business Response /* (1000, 6, 2015/05/05) */
May 5, 2015
Revdex.com of Denver/Boulder
1020 Cherokee St.
Denver, CO XXXXX-XXXX
Re: Ms. [redacted]
Case #: XXXXXXXX
RE: [redacted]
Dear Revdex.com,
Professional Bureau of Collections of...

Maryland, Inc. ("PBCM") is in receipt of your notice of a complaint from Ms. [redacted].
We would like to thank you for bringing this matter to our attention. We value customer feedback and strive to improve both as a company and representative for our clients.
We apologize for any inconvenience and we will take this opportunity to communicate with our staff to ensure better customer experience for Ms. [redacted].
Ms. [redacted]' password [redacted] been reset and we are happy to assist her. Ms. [redacted] may contact Ms. Lori McCoy at (XXX) XXX-XXXX or toll free (XXX) XXX-XXXX.
Sincerely,
[redacted]
Quality Assurance Manager
Professional Bureau of Collections of Maryland, Inc.
5295 DTC Parkway
Greenwood Village, CO XXXXX
Phone (XXX) XXX-XXXX ext. 4304
Initial Consumer Rebuttal /* (3000, 8, 2015/05/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My password [redacted] not been reset. I spoke with someone by the name of [redacted] 5/11 and he assured me he would call me back and have my password [redacted] To date I have not received a call. I did receive a call from Mr. [redacted] on May 11 telling me my password [redacted] reset, however they needed to also give me a new username. He told me to try it on May 12th. I have tried several times since then and I still cannot access my account. Now I get a message they my username is not recognized. This is extremely frustrating as I am entitled to view my account which I set up. It seems very sneaky that I am being denied access to my account. I have tried to call [redacted] several times today and keep getting a message mail box full. I have tried XXX-XXX-XXXX and XXX-XXX-XXXX
Final Consumer Response /* (4200, 12, 2015/06/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with Mr. [redacted] and he told me my account was reset and it would work on May 12th.
I attempted several times on or around May 12th with the exact information I was provided by PBC and it did not work. I called and spoke with Mr. [redacted] on or around May 15th and after speaking with him I agreed to have him delete my account along with deleting the payments that were set up to come out automatically each month. I asked Mr. [redacted] to send me confirmation that my account was deleted via either fax or email. Mr. [redacted] told me they do not do that and he assured me that my account was deleted and my checking account would not be debited automatically. He send I was no set up to receive a bill each mnonth and I could pay via phone. I agreed to this and again he said they do not say anything out in writing but assured the account was deleted and all their phones calls are recorded as proof. Well today, June 16th, I checked my checking account and PBC automatically deducted $75 out of my after I was assured that auto deduct was cancelled. I was going to make a payment via phone but was informed payment had already been made.
Now my payment was due today, so I am not asking for refund. However, this companies business practices need to be seriously investigated.
I have already attempted to all Mr. [redacted] and was on hold for a while and was told he was on his other line. I left a message for a return call. I would like my auto payments cancelled as I requested a month ago and I would confirmation in writing. If I did not check my checking account everyday I would have been in the negative because of the unauthorized deduction. I had to transfer money from one account into my checking because of this.
Final Business Response /* (4000, 14, 2015/07/03) */
[redacted]
Re: Ms. [redacted]
Case #: [redacted]
RE: [redacted]
Dear [redacted],
Professional Bureau of Collections of Maryland, Inc. ("PBCM") is in receipt of your notice of a response from Ms. [redacted].
Ms. [redacted]' payments have been cancelled as she requested.
Sincerely,
[redacted]
Quality Assurance Manager
Professional Bureau of Collections of Maryland, Inc.
5295 DTC Parkway
Greenwood Village, CO XXXXX
Phone (XXX) XXX-XXXX ext. [redacted]

Initial Business Response /* (1000, 11, 2015/07/02) */
Revdex.com of Denver/Boulder
1020 Cherokee St.
Denver, CO XXXXX-XXXX
Re: Ms. [redacted]
Case #: XXXXXXXX
RE: [redacted]
Dear Revdex.com,
Professional Bureau of Collections of Maryland, Inc....

("PBCM") is in receipt of your notice of a complaint from Ms. [redacted].
We would like to thank you for bringing this matter to our attention. We value customer feedback and strive to improve both as a company and representative for our clients.
If Ms. [redacted] would indicate her phone number she wishes we do not contact, we would be happy to remove that number. However, Mr. Gonsalves provided consent to call his place of employment phone number.
We have requested information from our client and will forward a copy of what is received.
Sincerely,
[redacted]
Quality Assurance Manager
Professional Bureau of Collections of Maryland, Inc.
5295 DTC Parkway
Greenwood Village, CO XXXXX
Phone (XXX) XXX-XXXX ext. 4304

We regret that [redacted] is unsatisfied with our response to his complaint, however, we do not have any additional information to provide. We have reviewed the additional comments he submitted. Our response remains unchanged.

In response to the consumer complaint received by PBCM from [redacted] on October 20, 2016, PBCM is willing to accept monthly payments of $100.00 provided that payments are made on time each and every month.  This is a temporary payment arrangement due to [redacted]’s financial situation...

and will be reviewed for an upgrade in payment or pay-off every ninety (90) days.  The first payment of $100.00 is due on or before 10/28/2016.

Ms. [redacted]'s delinquent [redacted] account was placed for collection with a balance due of $2,962.41.  [redacted] agreed to settle the account for $1,333.08.  Our agency applied two payments totaling $268.12,  which left a remaining balance of $2,694.29.  [redacted]...

recalled the account and requested we cancel all remaining payments on file.  [redacted] agreed to honor the original settlement of $1,333.08.  Please contact [redacted] directly at the following address:[redacted]
[redacted]  [redacted] Select "Option 1"   For Ms. [redacted]'s records, we applied the following payments to her account # [redacted]:6/30/2015 - $135.007/31/2015 - $133.12