The FDCPA clearly states if a consumer disputes a debt in writing during the 30-day validation period, the debt collector must cease collection of the debt until verification has been mailed to the consumerPCA sent you our first letter to MrA on 12/3/triggering the 30- day validation periodMrA did not request validation during the next days- instead, he waited until October 26, to send different faxes to our office requesting validation of the 2- [redacted] accountsEven though it is past the validation period PCA will resend MrA validation of the debts to the address shown on this complaintAnd if MrA would like to pay these bills after reviewing the paperwork - PCA will agree to request removal of its tradelines on MrA's credit report
Initial Business Response / [redacted] (1000, 5, 2015/08/26) */ PMS received these accounts on January 12,we sent out our first notice to Mr [redacted] that same dayPMS has no record of any incoming calls from Mror Mrs [redacted] and we did not have a phone number when the account was listed so we have never called them on these accountsWe have requested our client to send out the itemized statements on these accounts and the [redacted] 's should have received them already or will be shortlyOnce the [redacted] 's receive the documentation they just first requested thro the Revdex.com they are free to call us to resolve their accounts and we will request the accounts be removed from the credit bureaus Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) as of today's date 08/26/nothing has been mailed to us...as beforeI feel that PMS has jumped the gun by filing a report with the Credit Bureau I was never given the option to clear this up before it was reported to the credit BureauI WANT IT REMOVE from my reportAnd now they are willing to work with us ? Paper work was never sent out like I asked up to this dateit s has been monthsAnd why wouldn't fairview home infusion have our number ? Wondering what that means home infusion ? We have talked to a person by the name of Ms [redacted] and the last time we ask her to prove it, her remarks were never mind, I just report it to the credit bureau...kind of a threat....then, guess what it was report months after they received it...I will wait for the paper work...in the mean time remove it off my report Final Business Response / [redacted] (1000, 19, 2015/09/18) */ [redacted] 's wife [redacted] called in to our office and stated she wanted to settled the account, but had yet to receive the itemized statementsShe claimed that even though Bloomington is their correct address that they don't receive mail unless it is marked as Minneapolis insteadShe also requested that I send the paperwork via email listed on this complaintI have contacted my client and gotten the paperwork and have emailed it to [redacted] as per her requestWe are now awaiting their review of the paperwork and follow up contact from them to resolve this claim Final Consumer Response / [redacted] (2000, 21, 2015/09/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) Yes, we finally received the email with the billing, and will be working with Jeff [redacted] I just wished it wouldn't of taken tthis longBut, I happy it has been cleared up
Initial Business Response / [redacted] (1000, 5, 2015/05/04) */ Mrs [redacted] has contacted our office and received all documentation for her accountShe has since paid this account in full with our office as of May 1,
I am rejecting this response because: this company has never validated (shown any proof of ownership) this debtTo say they have is a lie They have my phone number, and mailing address I’ve called, faxed, and mailedThey didn’t respond with the days required by the FCRA with any validatipnAs such, the information shpuld be removed from my credit report per FCRA rules
Mr***, I am responding to your letter dated Feb28th, concerning Ms***’s complaintPCA received this account to collect in November For $for an unreturned modem to *** *** ( fdba *** ***/*** ***s-IA) for Ms*** with
the same address That she is still currently living atMs*** has not responded to any of our multiple letters or phone calls until recently On February 27th, Ms*** called our office inquiring what this was about and requested ValidationWe have contacted our client and are waiting for their documentation on the accountOnce we receive we intend to send validation to the consumer per her requestThe account has been put on hold as we await our client’s replyLet us know if you need anything else Thank you Sincerely, Jeff *** President Professional Credit Analysts of MN ###-###-#### ###-###-#### fax www.pcaofmn.com CONFIDENTIALTY NOTICE: This email and any attached document(s) transmitted here in contain confidential information which is legally privileged and is intended only for the use of the recipient named above. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or the taking of any action in reliance upon the contents of this information, except its direct delivery to the intended recipient, is strictly prohibited. If you have received this email in error, please notify the sender immediately by telephone or email and delete this email with all attachments *** THIS IS A MESSAGE FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
On 5/4/PCA received accounts for collection from our client *** *** *** for Mr***. PCA sent him our #notice on 5/5/Then on 6/5/17 PCA received another acctFrom *** for Mr*** and mailed our notice the same dayMr*** did not respond to either of these
letters and they were not returned as the address PCA used is the same as Mr*** shows on the complaint.On 8/11/17- Mr*** called in to our office to discuss paying for a deletion from the Credit Bureau- when we told him we would update his file after payment he hung up and did not follow thru with his offer of payment.PCA received a faxed dispute from Mr *** on 9/1/and PCA requested itemization of the debt from ***On 9/8/17- PCA received itemization from client and forwarded the infoby mail to Mr***The itemization showed that Mr*** does indeed owe this bills.On 9/11/PCA received and replied to the Revdex.com complaint via email after it was determined the PCA's email address was incorrect in Revdex.com recordsPCA is willing to work with Mr*** to clean this matter up and if Mr*** feels he didn't get a chance to "dispute" these accounts prior to listing with the credit bureau-then PCA will request removal from the credit bureau once payment has been made and cleared
On December 3, PCA's client *** *** *** listed accounts for collection vsthe complaintant (Mr***)PCA sent our #letter that day and put the file out for one month to call.On January 7, -PCA called Mr ***-explained the acctand asked for payment.- MrA said he could
not do anything that day but would PCA call him back on 1/15/to set up payment plan.PCA tried calling back multiple times over the next year and the calls were never answeredThen on September 5, PCA received from eOscar a credit report dispute claiming not to know of this debtPCA did a thorough investigation-verified all amounts were correct and owing and replied to eOscar.October 4, - MrAfiled a dispute thru eOscar again-this time claiming that the information we were reporting was not accurate- again PCA did a complete investigation & checked with client to verify all balances and then reported back to eOscar.On 10/26/17- sent faxes to PCA requesting validation of the *** accts.- PCA requested the itemized statements from our client and mailed validation to MrAat the address shown on his complaint .On 12/1/2017- Mr Asent an email to PCA disputing the accounts and requesting validation againJeff responded to MrA's email explaining that PCA had validated the claim back on 11/6/17.On 12/28/17- MrA sent another claim thru eOscar -disputing the information PCA was reporting as inaccuratePCA investigated and replied balance was correct and still owing.On 2/15/2018- MrA filed a CFPB complaint and in reviewing his claim we saw the Revdex.com complaint from 1/22/as an attachmentPCA did not receive this complaint until today 2/19/and we are responding that the account is still valid and owing.If MrA would like the accounts validated again please have him provide a good address or fax or email for us to send to himHowever he wishes it to be sent PCA will be happy to comply
Initial Business Response /* (1000, 5, 2015/08/26) */
PMS received these accounts on January 12,2015 we sent out our first notice to Mr. [redacted] that same day. PMS has no record of any incoming calls from Mr. or Mrs. [redacted] and we did not have a phone number when the account was listed so we...
have never called them on these accounts. We have requested our client to send out the itemized statements on these accounts and the [redacted]'s should have received them already or will be shortly. Once the [redacted]'s receive the documentation they just first requested thro the Revdex.com they are free to call us to resolve their accounts and we will request the accounts be removed from the credit bureaus.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
as of today's date 08/26/2015 nothing has been mailed to us...as before..... I feel that PMS has jumped the gun by filing a report with the Credit Bureau . I was never given the option to clear this up before it was reported to the credit Bureau. I WANT IT REMOVE from my report. And now they are willing to work with us ? Paper work was never sent out like I asked up to this date. it s has been 6 months... And why wouldn't fairview home infusion have our number ? Wondering what that means home infusion ?
We have talked to a person by the name of Ms. [redacted] and the last time we ask her to prove it, her remarks were never mind, I just report it to the credit bureau... ...kind of a threat....then, guess what it was report 3 months after they received it...I will wait for the paper work...in the mean time remove it off my report.
Final Business Response /* (1000, 19, 2015/09/18) */
[redacted]'s wife [redacted] called in to our office and stated she wanted to settled the account, but had yet to receive the itemized statements. She claimed that even though Bloomington is their correct address that they don't receive mail unless it is marked as Minneapolis instead. She also requested that I send the paperwork via email listed on this complaint. I have contacted my client and gotten the paperwork and have emailed it to [redacted] as per her request. We are now awaiting their review of the paperwork and follow up contact from them to resolve this claim.
Final Consumer Response /* (2000, 21, 2015/09/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Yes, we finally received the email with the billing, and will be working with Jeff [redacted].... I just wished it wouldn't
of taken tthis long. But, I happy it has been cleared up .
I am rejecting this response because:It contains unfair and deceptive claims. The debt collector did not make any calls to myself or my wife. Also, they only sent 1 letter and that letter contains multiple violations of the Fair Debt Collection Practices Act. We dispute both the existence and validity of the alleged debt. In addition, we hereby revoke consent for the debt collector to call us using an automatic telephone dialing system and in fact request they cease and desist all [redacted]s with us regarding the alleged debt.
The FDCPA clearly states if a consumer disputes a debt in writing during the 30-day validation period, the debt collector must cease collection of the debt until verification has been mailed to the consumer. PCA sent you our first letter to Mr. A on 12/3/2015 triggering the 30- day validation period. Mr. A did not request validation during the next 30 days- instead, he waited until October 26, 2017 to send 2 different faxes to our office requesting validation of the 2- [redacted] accounts. Even though it is past the validation period PCA will resend Mr. A validation of the debts to the address shown on this complaint. And if Mr. A would like to pay these 2 bills after reviewing the paperwork - PCA will agree to request removal of its tradelines on Mr. A's credit report.
Initial Business Response /* (1000, 5, 2015/05/04) */
Mrs. [redacted] has contacted our office and received all documentation for her account. She has since paid this account in full with our office as of May 1, 2015.
I am rejecting this response because: this company has never validated (shown any proof of ownership) this debt. To say they have is a lie. They have my phone number, and mailing address. I’ve called, faxed, and mailed. They didn’t respond with the 30 days required by the FCRA with any validatipn. As such, the information shpuld be removed from my credit report per FCRA rules.
The FDCPA clearly states if a consumer disputes a debt in writing during the 30-day validation period, the debt collector must cease collection of the debt until verification has been mailed to the consumerPCA sent you our first letter to MrA on 12/3/triggering the 30- day validation periodMrA did not request validation during the next days- instead, he waited until October 26, to send different faxes to our office requesting validation of the 2- [redacted] accountsEven though it is past the validation period PCA will resend MrA validation of the debts to the address shown on this complaintAnd if MrA would like to pay these bills after reviewing the paperwork - PCA will agree to request removal of its tradelines on MrA's credit report
Initial Business Response / [redacted] (1000, 5, 2015/08/26) */ PMS received these accounts on January 12,we sent out our first notice to Mr [redacted] that same dayPMS has no record of any incoming calls from Mror Mrs [redacted] and we did not have a phone number when the account was listed so we have never called them on these accountsWe have requested our client to send out the itemized statements on these accounts and the [redacted] 's should have received them already or will be shortlyOnce the [redacted] 's receive the documentation they just first requested thro the Revdex.com they are free to call us to resolve their accounts and we will request the accounts be removed from the credit bureaus Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) as of today's date 08/26/nothing has been mailed to us...as beforeI feel that PMS has jumped the gun by filing a report with the Credit Bureau I was never given the option to clear this up before it was reported to the credit BureauI WANT IT REMOVE from my reportAnd now they are willing to work with us ? Paper work was never sent out like I asked up to this dateit s has been monthsAnd why wouldn't fairview home infusion have our number ? Wondering what that means home infusion ? We have talked to a person by the name of Ms [redacted] and the last time we ask her to prove it, her remarks were never mind, I just report it to the credit bureau...kind of a threat....then, guess what it was report months after they received it...I will wait for the paper work...in the mean time remove it off my report Final Business Response / [redacted] (1000, 19, 2015/09/18) */ [redacted] 's wife [redacted] called in to our office and stated she wanted to settled the account, but had yet to receive the itemized statementsShe claimed that even though Bloomington is their correct address that they don't receive mail unless it is marked as Minneapolis insteadShe also requested that I send the paperwork via email listed on this complaintI have contacted my client and gotten the paperwork and have emailed it to [redacted] as per her requestWe are now awaiting their review of the paperwork and follow up contact from them to resolve this claim Final Consumer Response / [redacted] (2000, 21, 2015/09/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) Yes, we finally received the email with the billing, and will be working with Jeff [redacted] I just wished it wouldn't of taken tthis longBut, I happy it has been cleared up
Initial Business Response / [redacted] (1000, 5, 2015/05/04) */ Mrs [redacted] has contacted our office and received all documentation for her accountShe has since paid this account in full with our office as of May 1,
I am rejecting this response because: this company has never validated (shown any proof of ownership) this debtTo say they have is a lie They have my phone number, and mailing address I’ve called, faxed, and mailedThey didn’t respond with the days required by the FCRA with any validatipnAs such, the information shpuld be removed from my credit report per FCRA rules
Mr***, I am responding to your letter dated Feb28th, concerning Ms***’s complaintPCA received this account to collect in November For $for an unreturned modem to *** *** ( fdba *** ***/*** ***s-IA) for Ms*** with
the same address That she is still currently living atMs*** has not responded to any of our multiple letters or phone calls until recently On February 27th, Ms*** called our office inquiring what this was about and requested ValidationWe have contacted our client and are waiting for their documentation on the accountOnce we receive we intend to send validation to the consumer per her requestThe account has been put on hold as we await our client’s replyLet us know if you need anything else Thank you Sincerely, Jeff *** President Professional Credit Analysts of MN ###-###-#### ###-###-#### fax www.pcaofmn.com CONFIDENTIALTY NOTICE: This email and any attached document(s) transmitted here in contain confidential information which is legally privileged and is intended only for the use of the recipient named above. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or the taking of any action in reliance upon the contents of this information, except its direct delivery to the intended recipient, is strictly prohibited. If you have received this email in error, please notify the sender immediately by telephone or email and delete this email with all attachments *** THIS IS A MESSAGE FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
On 5/4/PCA received accounts for collection from our client *** *** *** for Mr***. PCA sent him our #notice on 5/5/Then on 6/5/17 PCA received another acctFrom *** for Mr*** and mailed our notice the same dayMr*** did not respond to either of these
letters and they were not returned as the address PCA used is the same as Mr*** shows on the complaint.On 8/11/17- Mr*** called in to our office to discuss paying for a deletion from the Credit Bureau- when we told him we would update his file after payment he hung up and did not follow thru with his offer of payment.PCA received a faxed dispute from Mr *** on 9/1/and PCA requested itemization of the debt from ***On 9/8/17- PCA received itemization from client and forwarded the infoby mail to Mr***The itemization showed that Mr*** does indeed owe this bills.On 9/11/PCA received and replied to the Revdex.com complaint via email after it was determined the PCA's email address was incorrect in Revdex.com recordsPCA is willing to work with Mr*** to clean this matter up and if Mr*** feels he didn't get a chance to "dispute" these accounts prior to listing with the credit bureau-then PCA will request removal from the credit bureau once payment has been made and cleared
On December 3, PCA's client *** *** *** listed accounts for collection vsthe complaintant (Mr***)PCA sent our #letter that day and put the file out for one month to call.On January 7, -PCA called Mr ***-explained the acctand asked for payment.- MrA said he could
not do anything that day but would PCA call him back on 1/15/to set up payment plan.PCA tried calling back multiple times over the next year and the calls were never answeredThen on September 5, PCA received from eOscar a credit report dispute claiming not to know of this debtPCA did a thorough investigation-verified all amounts were correct and owing and replied to eOscar.October 4, - MrAfiled a dispute thru eOscar again-this time claiming that the information we were reporting was not accurate- again PCA did a complete investigation & checked with client to verify all balances and then reported back to eOscar.On 10/26/17- sent faxes to PCA requesting validation of the *** accts.- PCA requested the itemized statements from our client and mailed validation to MrAat the address shown on his complaint .On 12/1/2017- Mr Asent an email to PCA disputing the accounts and requesting validation againJeff responded to MrA's email explaining that PCA had validated the claim back on 11/6/17.On 12/28/17- MrA sent another claim thru eOscar -disputing the information PCA was reporting as inaccuratePCA investigated and replied balance was correct and still owing.On 2/15/2018- MrA filed a CFPB complaint and in reviewing his claim we saw the Revdex.com complaint from 1/22/as an attachmentPCA did not receive this complaint until today 2/19/and we are responding that the account is still valid and owing.If MrA would like the accounts validated again please have him provide a good address or fax or email for us to send to himHowever he wishes it to be sent PCA will be happy to comply
Initial Business Response /* (1000, 5, 2015/08/26) */
PMS received these accounts on January 12,2015 we sent out our first notice to Mr. [redacted] that same day. PMS has no record of any incoming calls from Mr. or Mrs. [redacted] and we did not have a phone number when the account was listed so we...
have never called them on these accounts. We have requested our client to send out the itemized statements on these accounts and the [redacted]'s should have received them already or will be shortly. Once the [redacted]'s receive the documentation they just first requested thro the Revdex.com they are free to call us to resolve their accounts and we will request the accounts be removed from the credit bureaus.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
as of today's date 08/26/2015 nothing has been mailed to us...as before..... I feel that PMS has jumped the gun by filing a report with the Credit Bureau . I was never given the option to clear this up before it was reported to the credit Bureau. I WANT IT REMOVE from my report. And now they are willing to work with us ? Paper work was never sent out like I asked up to this date. it s has been 6 months... And why wouldn't fairview home infusion have our number ? Wondering what that means home infusion ?
We have talked to a person by the name of Ms. [redacted] and the last time we ask her to prove it, her remarks were never mind, I just report it to the credit bureau... ...kind of a threat....then, guess what it was report 3 months after they received it...I will wait for the paper work...in the mean time remove it off my report.
Final Business Response /* (1000, 19, 2015/09/18) */
[redacted]'s wife [redacted] called in to our office and stated she wanted to settled the account, but had yet to receive the itemized statements. She claimed that even though Bloomington is their correct address that they don't receive mail unless it is marked as Minneapolis instead. She also requested that I send the paperwork via email listed on this complaint. I have contacted my client and gotten the paperwork and have emailed it to [redacted] as per her request. We are now awaiting their review of the paperwork and follow up contact from them to resolve this claim.
Final Consumer Response /* (2000, 21, 2015/09/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Yes, we finally received the email with the billing, and will be working with Jeff [redacted].... I just wished it wouldn't
of taken tthis long. But, I happy it has been cleared up .
I am rejecting this response because:It contains unfair and deceptive claims. The debt collector did not make any calls to myself or my wife. Also, they only sent 1 letter and that letter contains multiple violations of the Fair Debt Collection Practices Act. We dispute both the existence and validity of the alleged debt. In addition, we hereby revoke consent for the debt collector to call us using an automatic telephone dialing system and in fact request they cease and desist all [redacted]s with us regarding the alleged debt.
The FDCPA clearly states if a consumer disputes a debt in writing during the 30-day validation period, the debt collector must cease collection of the debt until verification has been mailed to the consumer. PCA sent you our first letter to Mr. A on 12/3/2015 triggering the 30- day validation period. Mr. A did not request validation during the next 30 days- instead, he waited until October 26, 2017 to send 2 different faxes to our office requesting validation of the 2- [redacted] accounts. Even though it is past the validation period PCA will resend Mr. A validation of the debts to the address shown on this complaint. And if Mr. A would like to pay these 2 bills after reviewing the paperwork - PCA will agree to request removal of its tradelines on Mr. A's credit report.
Initial Business Response /* (1000, 5, 2015/05/04) */
Mrs. [redacted] has contacted our office and received all documentation for her account. She has since paid this account in full with our office as of May 1, 2015.
I am rejecting this response because: this company has never validated (shown any proof of ownership) this debt. To say they have is a lie. They have my phone number, and mailing address. I’ve called, faxed, and mailed. They didn’t respond with the 30 days required by the FCRA with any validatipn. As such, the information shpuld be removed from my credit report per FCRA rules.