Professional Drywall & Construction LLC

RE: Revdex.com *** *** *** *** ** ***Dear Mr***,Thank you for the opportunity to respond to the complaint from Ms***. We have researched the situation and have chosen to submit a request to remove the violations and fines from Ms***’s credit
report. A removal request has been submitted and should be reflected on her credit report within 7-business days.We have attempted to contact Ms*** to discuss our findings. Sincerely,*** *** *** *** *** ***Professional Account Management, LLC

Good Afternoon,Thank you again for the opportunity to respond to Mr***'s complaint and to clarify his concernsIn our original complaint response to Mr***, we provided a 'Paid in Full' letter (dated 8-18-2016) on Professional Account Management, LLC (PAM) letterhead stating the account numbers, citation numbers and that his account, in the amount of $142.28, was considered paid in fullWe have also stated that his accounts have been removed from PAMI have attached a copy of this letter again for his referenceTo date, Mr*** has no accounts listed with PAM and we believe the letter that went sent in our original response qualifies as a receipt/acknowledgment of payment in fullWhen a payment is made over the phone, the citizen is given a confirmation number to track his payment via phoneHis bank or credit card statement would also serve as proof of payment to PAMWe hope this has satisfactorily addressed Mr***'s concernsSincerely,*** ***
Professional Account Management, LLC

Dear Revdex.com, Thank you for the opportunity to respond to Ms*** complaint filed with the Revdex.comWe understand Ms*** is asking for proof that Professional Account Management (PAM) is authorized to collect toll violations placed with us by our client, the 95/Express Lanes . She is
also stating she does not have documentation of any contractual relationship between herself and PAM and is challenging the right of PAM to collect on this debt. We would like to go over Ms***’s accounts listed with PAM and explain why, because of the nature of this debt (state/municipal fines), a signed contract is not present nor requiredTo date, Ms*** has a balance of $between separate toll violationsCITATION# *** April 15th, 2016: A toll violation is issued to Georgia plate # *** for passing through Plaza of the 95/I-Express Lanes. Notices were mailed to the registered owner of the plate, shown to be Ms***, on May 5th and June 14th, The total amount due for this citation is $95/Express Lanes assessed a $penalty fee for non-payment.August 1st, 2016: For failure to pay this citation, Ms***’s account is sent to PAM for collections with a total amount due of $PAM sends Ms*** collection notices on August 2nd, September 2nd and October 3rd, To date, PAM has not received payment on this accountCITATION# *** * *** May 17th& 19th, 2016: Toll violations are issued to Georgia plate # *** for passing through Plaza *** (Citation ***) and Plaza *** (Citation ***) of the 95/I-Express LanesNotices were mailed to the registered owner of the plate, shown to be Ms***, on June 3rd & July 17th, The total amount for both citations is $95/Express Lanes assessed a $penalty fee each for non-payment.September 6th, 2016: For failure to pay these citations, Ms***’s account is sent to PAM for collections with a total amount due for these citations of $PAM sends Ms*** collection notices on September 7th, October 10th and November 10th, To date, PAM has not received payment on either of these citationsCITATION# June 2nd, 2016: A toll violations is issued to Georgia plate # *** for passing through Plaza *** of the 95/I-Express LanesNotices were mailed to the registered owner of the plate, shown to be Ms***, on June 17th & August 18th, The total amount for this citation is $95/Express Lanes assessed a $penalty fee for non-payment.September 19th, 2016: For failure to pay these citations, Ms***’s account is sent to PAM for collections with a total amount due for this citation of $PAM sends Ms*** collection notices on September 20th, October 21st and November 21st, To date, PAM has not received payment on either of these citationsAccording to the FDCPA, the term debt means “any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment”The type of debt we are attempting to collect from Ms*** does not fall under this definition of the FDCPAThis is a debt owed to a government, state or municipal entity due to violating a rule, law or codeThe 95/Express Lanes is owned by the Virginia Department of Transportation, and fines are authorized by Virginia law for those who travel on the toll road and who then do not pay the applicable toll. Also, as identified on the 95/Express Lanes website, there is detailed signage on the toll road alerting drivers to the rules of the road and the current toll ratesPlease refer to 95/Express Lanes website and to the Virginia Code for further information regarding toll road violations and citizen responsibilities: https://vacode.org/2016/46.2/III/8/1.1/46.2-819.3/ and https://expresslanes.com/signage Thank you again for the opportunity to respondHopefully we were able to clear up any concerns Ms*** has regarding her accounts placed with PAMShould the Revdex.com or Ms*** have any further questions or concerns, please do not hesitate to contact meSincerely, Lynsay Miller Professional Account Management

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Based on this response, I need to know if this company will remove this from my credit reportAs they have stated this has been since 2011, years is a long timeWhat actions are they taking to get this resolvedThis is affect my credit and any federal clearance for new job opportunitiesI appreciate their quick responseHowever, I want to know when will this be resolvedI don't want to get an attorney involved in thisI look forward to hearing from you
Regards,
*** ***

Dear Ms***, Thank you for the opportunity to respond to your complaint filed with the Revdex.comWe understand you are stating that there has been some confusion regarding the issuance of toll violations by our Client, the Illinois Tollway, which have now been placed with Professional Account
Management (PAM) for collectionWe hope this response will be able to clarify the violations, including dates, notices sent, amounts due and reason for amounts dueWe would like to clarify up from that the IL Tollway sends violation notices to person once they have received three toll violationsThese violations could be spread out over monthsThe initial violation notice is sent within days of the 3rd toll violation is incurredThe IL Tollway sends us accounts for these violations as one accountThe account for you that was received by PAM was for a total of three violationsThe date the IL Tollway sends the final violation notice is the date which is listed in our system, in your case 9/25/ Per the attached notices mailed to you by the IL Tollway, the account here at PAM, with a total due of $214.50, includes the following toll violations for Georgia plate number ***: The initial notice was mailed on 08/22/to the DMV registered owner and address on file at the time of the last violation, which was show to be youThe IL Tollway mailed a Final Notice letter to you on 9/25/which included an additional $penalty per violation, per IL Administrative Code TITLE CHAPTER IV:PART 2520, SECTION PAM does not have the ability or authority to reduce or dismiss any violations placed with us by the IL TollwayPlease feel free to reach out to the IL Tollway via any of the methods on the attached notices if you wish to contest the amounts due furtherI have placed a cease communication on your account here at PAM so no further calls or letters will be mailed to you regarding the above mentioned violationsThank you again for the opportunity to respond and should you have any further questions or concerns, please do not hesitate to contact meSincerely, *** *** Professional Account Management, LLC

MrDeno,The toll amount as well as the added fees were not put in place by Professional Account Management (PAM), and we therefore do not have the ability or authority to reduce or dismiss any of those feesAs explained in our previous responses, all added fees are in place prior to an account being sent to PAM for collections and are pursuant to State of Delaware lawPAM does not add any fees to an account placed with usIf you wish to contact DelDOT directly to discuss this violation, you are welcome to do soPAM will no longer contact you regarding this violation, as also stated in previous responses. Thank you,Professional Account Management, LLC

Dear Mr***, Thank you for the opportunity to respond to your complaint filed with the Revdex.comWe understand you are stating that you are not liable for a toll violation (#T***774) issued by our Client, the Bay Area Toll Authority (BATA) due to selling your vehicle prior to the violation
taking placeThe violation, now placed with Professional Account Management (PAM), has a total amount due of $We have placed a cease communication on the account here at PAM while we are able to research and respond to your complaintWe do show that you contacted our office via phone on 10/17/to dispute the violation, stating you sold the vehicle prior to the violation taking placeOur Representative advised you of the dispute process and the documentation required in order to submit to BATA for potential dismissalPlease note that PAM does not have the ability or authority to dismiss any violations placed with us by BATAAll notices sent by BATA and PAM are sent to the registered owner and address on file with the DMV at the time of the violation, which was show to be you at the time of the 12/23/violationOn 10/24/we did receive your dispute letter and a handwritten bill of saleThis documentation, per BATA policy, is not acceptable to show proof of release of liability from the plate number in question (***)According to policy, we must receive a document from the DMV stating the vehicle was sold and release of liability of the plate number in question took placeA letter was mailed to you the same day by our Correspondence Department requesting this informationIf you would be able to provide some kind of documentation from the DMV showing you were released from liability of MO plate HJ1W8X prior to the 12/23/toll violation, I would be happy to immediately present this to BATA for re-review and potential dismissalThank you again for the opportunity to respond and should you wish to submit the documentation to my, please do so via this Revdex.com complaint or you may send it to my attention via fax ###-###-#### or via email [email protected], *** *** Professional Account Management, LLC

Dear Revdex.com, Thank you for the opportunity to respond to your complaint filed with the Revdex.comWe understand you are stating that you received a letter regarding a toll violation which was dated after the due dateThis is in relation to a toll violation issued by our Client, the I-95/Express Lanes,
which was placed with Professional Account Management (PAM) for collectionsUpon looking into your account, we are showing the toll violation in question was paid and closed on 10/31/in the amount of $We hope we will be able to clarify a few points mentioned in your complaintLaw Enforcement Systems, LLC (LES) is a valid and registered affiliate company of PAM and has been since Our contract with Express Lanes was under LES until the middle of 2016, at which time the contract was transitioned to PAMAt that time, all notices to citizens were sent under the PAM name, but contract termsThe phone number listed, 1-866-470-1305, was under the LES name when LES was in the collections contract with Express LanesOnce the contract was transitioned, the phone number also transitioned to PAMCalling the 1-866-470-number today will get you to the PAM office and the ability to speak to a Representative regarding an account listed with us by Express LanesThe Virginia address you mentioned in your complaint (*** * *** *** ** *** *** *** **) is also a valid address used in contract with Express LanesThis address is a mailing address only where citizens are able to mail payments and/or correspondenceThe address is a US Postal Service locationWe show that we received your account for collections on 07/21/and notices were mailed to you by PAM on 7/24/& 8/24/(as screen shot of your account shows below)All notices sent by Express Lanes and PAM are sent to the address on file with the DMV at the time of the violationIt is up to the citizen to ensure their address is up to dateExpress Lanes also sends out a minimum of two notices of violation prior to sending accounts to PAM for collectionIn your complaint you mentioned you received the notice from a former roommateSince PAM does not postdate notices we are unsure as to the meaning of ‘the company sent one collection notice post-dated, meaning, they sent it after it was due’If you would be able to clarify or provide copies of the notice/envelope showing the post date, I would be happy to look into this further for youAgain, as noted in your account notices were sent to the DMV registered address on 7/24/& 8/24/and we have no records of the mailings being returned as undeliveredThank you again for the opportunity to respondSincerely, *** ***
Professional Account Management, LLC

Thank you for the opportunity to respond to the complaint from Ms***. We have researched the situation and found that the violations and fines charged to Ms*** are valid, and no mitigating action is necessary. The *** State Road and Toll Authority
doesn’t have a video record of the violation as requested by Ms*** A photo image of the vehicle license plate is attached to this response, which was previously mailed to Ms*** on 8/4/

June 29,
Re: *** ***,
Complaint ID *** *** *** *** ** ***
To whom this may concern,
Thank you for the opportunity to respond to the complaint
from Ms***In Ms***’s complaint, she is
requesting that we delete her
from our records and completely stop all collection activityOur company has
reached out by phone on 6/10/and 06/11/to try to make contact with Ms
*** because it seems she is aware of debtWe our eager to educate Ms***
about her debt and come to an agreement to get Ms*** out of collectionsIf
she could call us at the number on the notice and ask for a supervisor, we
would be happy to assist her
Sincerely,
*** ***
*** ***

RE: Revdex.com ***, *** *** *** ** ***
Dear Revdex.com,
Thank you for the opportunity to respond to the complaint from Ms***. We have researched the situation and found that the violations and fines charged to Ms*** are valid, and no mitigating action is necessary. The
settlement amount that was offered to Ms*** is the lowest amount under the Express Lanes, First Time Forgiveness program that can be offered. We would be happy to assist in completing the settlement offer and payment to close out the account
Sincerely,
*** *** *** ***
Law Enforcement Systems, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I will go through all my receipts The error not only is on the part of FASTRAK but also with PAM
Regards,
*** ***

RE: *** *** *** ** ***
Dear Mr***,
Thank you for the opportunity to respond to the complaint from Ms***. We have researched the situation and found that the violations and fines charged to Ms*** are valid, and no mitigating action is necessary. A
violation was issued by the District of Columbia and listed with Professional Account Management, LLC on March 24, after the debt remained unresolved. Validation of the original violation, including Ms***'s subsequent correspondence with the District of Columbia regarding the debt, is attached in response to the complaint. The District of Columbia reviewed Ms***'s violation and maintains that the debt it valid
We have contacted Ms*** and discussed our findings and that validation would be provided as a part of the response.
Sincerely,
*** ***
Professional Account Management, LLC

Dear Revdex.com,Thank you again for the opportunity to respond to Ms***'s additional comments regarding violations issued by our client SNJBWe would like to state again that Professional Account Management does not have the ability to dismiss or void any violations issued by SNJB. I have reached out to SNJB asking them to review your violations and am awaiting a response from themOur contact was out of the office over the Christmas and New Years Holidays, so unfortunately I was not able to get a response prior to sending my first responseI have sent out a follow up request this past Friday and again this morningAlso, we would also like to re-state that PAM does not add any additional fees or penalties when an account is received by SNJB (or any of our clients)All added fees and penalties are added by our client prior to placement with PAMAll toll violation plate numbers are run through the DMV of that respective state and all notices are sent to that address until notification is sent that an address has been changedUntil I hear back from our client, please do not hesitate to ask any further questionsIf the Revdex.com & Ms*** approves, I will send a response to Ms*** directly via the email address given in her complaint once I do hear back from SNJB.Sincerely,*** ***Professional Account Management

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***As of today this ticket is still on my record as owing $

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Bobby Wilson I did answer the phone on several occasions to hear only dead air no one responded to my helloSo how would I have been able to let them know they were calling the wrong phone numberThere are no toll roads near me and I don't travelI have never received any mail eitherThe company needs to go about their calling better because this would not have happened had I been able to speak to someoneI only say hello once and most robo call machines don't recognize the single helloThanks for the stop calling order that is what I wanted and if a person would have answered when I did this complaint would not have been filedMaybe check the white pages before you harass the wrong peopleMaybe the do it call list also that number is registered to me in both casesThere is my suggestion to prevent wrong calls

Dear Revdex.com, Thank you for the opportunity to respond to Mr*** againAs stated in our original response, I will be reaching out to Mr*** via email to discuss his account in more detailWe have contacted our client in order to get any and all information we can on this account as well as checking with our internal DMV Analysts to obtain a history of the account, address changes and DMV info since this account was sent to PAM for collectionsWe hope to get some more definitive answers today for Mr***I will be reaching out to him this morning via email to ensure he knows we are working on resolving this matter.Thank you,Lynsay MillerProfessional Account Management, LLC

Dear Revdex.com,Thank you for the opportunity to respond to Mr***’s complaint filed with the Revdex.comWe understand he is stating he has previously contacted our client, the Pennsylvania Turnpike Commission (PTC) regarding a toll violation that has now been placed with Professional Account Management
(PAM) for collection, however has not received a satisfactory responseUpon receipt of Mr***’s complaint I did reach out to a Supervisor at PA Turnpike to request a review of his account and they did agree to dismiss the violation in full, leaving a zero balance due for the following violation:Violation# ***- Issued on 1/19/2017The Supervisor found there to be a plate number error when inputting the violation into the system They have re-sent the information to the DMV and the violation has been placed under the proper registered owner of the correct plate numberPlease note that PAM does not report to any credit bureau agency and has not since June of Since Mr***’s account was sent to us in April of this year, nothing would have been reported to any credit bureau agencyThank you again for the opportunity to respond and should the Revdex.com or Mr*** have any further questions or concerns, please do not hesitate to contact me Sincerely,Professional Account Management, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.] AGAIN, YOU ARE A LIAR. YOU CANNOT TELL ME THAT WHAT WAS SAID TO ME WAS 1) CORRECT OR 2) ACCEPTABLE BEHAVIOR. I WORK IN A CALL CENTER AND HAVE SINCE 1984. MAKING NASTY COMMENT IS NOT PROGESSIONAL. IF YOU REALLY BELIEVE THAT THIS IS ACCEPTABBEING RUDE, UNPROGESSIONAL AND LYING/GIVING OUT INCORRECT INFORMATION, THAT EXPLAINS THE NATURE OF YOUR *** BUSINESS. AS PREVIOUSLY STATED, I EXPECT THIS IN WRITING ON YOUR LETTERHEAD TO MY MAILING ADDRESS BEFORE THE END OF APRIL 2017. NOTHING ELSE IS ACCEPTABLE. STOP ALL THIS EXCESSIVE BS TO THE Revdex.com. PERIODEND OF STORY. THIS STARTED IN DECEMBER. IT IS NOW THE END OF APRIL. IF YOUR RECORDS WERE ACCURATE AND PEOPLE ACTUALLY DID THEIR JOBS, THIS WOULD HAVE BEEN OVER MONTHS AGO. I EVEN WROTE YOUR CORPORATE OFFICERS AND NEVER RECEIVED A REPLY. THAT TELLS ME THE CHARACTER OF YOUR EMPLOYER AND THE EMPLOYESS THERE. I KNOW YOU DONT CARE BUT I DO WHEN I HAVE BEEN LIED TO OVER & OVER AND STILL ARE. SO TO PROVE YOUR POINT, YOU SHOULD HAVE ZERO ISSUE WITH COPYING & PASTEING THE SPECIFCS ON LETTERHEAD AND MAILING ITI SHAL L NOTIFY Revdex.com WHEN I RECEIVED SUCH. AGAIN SEND IT ON LETTERHEAD IN WRITING. THERE WILL BE NO FURTHER BACK & FORTH. THIS IS NON NEGOTIABLE. *** *** * *** ** *** *** *** ** *** THIS WAS INTENTIONALLY WRITTEN IN ALL CAPS
Regards,
*** ***

Dear Revdex.com/Ms***,Thank you for submitting the additional documentation and mailing receiptI have passed along your information to our Correspondence Supervisor and requested further investigation into whether we have received any dispute from you at any timeUnfortunately, despite both our Correspondence Supervisor, and eventually our Operations Director, looking for any correspondence received regarding the DelDOT violations, we were not able to locate anything from We have done an exhaustive search to ensure there was not possibly another account for you here that we did not catch the first time, but that was not the case eitherIn response to your other concerns, and in case they were not fully addressed, PAM does not report any accounts to any credit bureau agencyWe stopped reporting back in June of and at that time all accounts were submitted to the credit bureau agency (TransUnion) for deletionThere should be nothing on your credit report from LES or PAMAll notices from DelDOT and PAM are sent to the DMV registered address on file at the time of the violations (in this case 5/15/2015)Based on the copies of the notices that DelDOT has provided, they appear to have went to a Round Rock, TX addressWhen an account is sent to LES/PAM for collections, an additional DMV search is run and all notices are again sent to the DMV registered name/addressWe do advise all citizens to ensure their address is up to date with the DMV at all timesIt appears we did not receive your Philadelphia address from the DMV inquiry until March of (which you state you did receive that, and subsequent letters)As stated in our original response, PAM does not have the ability or authority to reduce, dismiss or void any violations placed with us from DelDOTUpon receipt of your original complaint, I did reach out to them and they provided copies of the notices they have mailed as well as validated the debtAccording to DelDOT policy, if a citizen has not disputed the violations prior to being placed with us for collection, the opportunity to do so has passedDelDOT is not willing to dismiss the violations in questionAgain, we have placed a cease communications on the accounts here and no further calls or letters will be sent to Ms*** for these violationsPAM will not actively seek collections on these violationsHowever, please note that this does not dismiss the violations, but only stops collection activityIt does not prevent DelDOT from pursuing any action as allowed by law on their end.Once violations are placed with us for collection, the violations no longer appear on the DelDOT website as they are now being handled by PAM. I do notice that we did receive a letter/dispute from you on 6/28/in which you stated you had a valid EZ Pass at the time of violations (validation letter mailed same day)This was not mentioned in your original Revdex.com complaint, but I would be happy to address that as wellThe typical process when a citizen is stating they had a valid EZ Pass at the time is to send a print out of their EZ Pass statement covering the month of the violations (May 2015) as well as a vehicle list showing the plate in question was registered to the account at the time of the violationIf you would be able to provide that to me, I would be happy to pass this along to EZ Pass for further review and possible dismissalThank you again for the opportunity to respond and please feel free to reach out to me if you have any additional questions or can provide the EZ pass account information.Sincerely,*** ***Professional Account Management, LLC