Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. As long as the work is done before the season is out, I will be satisfied However, I am and always will be dissatisfied by the many promises I was given by the salesman That particular gentleman I am not happy withEveryone else is fineThe work the company does is greatJust want assurance the work will be completed before season is out and it appears they have stated this in their resolution.Regards, *** ***
Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me Can I accept your your response as a written agreement that you, Professional Finance Company, will completely delete the collection and any history of if from all three credit bureaus upon payment in full? Once I have received confirmation of this agreement I will call PFC no later then two days time to pay the debt and resolve the collection.Thank you very much for this opportunity!
Cheers,
*** ***
Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me, as long as this constitutes as a written agreement that "PFC" will completely delete the collections account from all credit bureausIf this is the case, I will be callimg within hours to make payment in fullI appreciate the Revdex.com's help resolving the matterI also really appreciate "PFC" looking at my complaint from an unbiased point of view, and coming to a resolution we can all agree with.Thank you,*** ***
Thank you for the opportunity to resolve this matter PFC's responses submitted through the Revdex.com may serve as written confirmation of PFC's agreement that tradeline deletion of Ms*** account will be submitted to the credit reporting agencies by PFC PFC does note that the credit bureaus may take additional time to reflect PFC's submission of deletion, and that any such delay is out of PFC's control PFC looks forwarding to helping Ms*** resolve this matter
Thank you for the opportunity to respond to Ms***’s complaint. Professional Finance Company, Inc(“PFC”) received an account for collections from its client, *** ***y, on November 30, 2011. On or around December 2, 2011, PFC sent initial notice of the debt
to Ms*** as required by the Fair Debt Collection Practices Act (“FDCPA”). Despite numerous attempts to contact Ms. *** by telephone, PFC received no response from Ms*** until 1/29/2014, at which time PFC received an offer to pay the debt in exchange for deletion from Ms***’s credit report Unfortunately, due to the requirements of the Fair Credit Reporting Act and guidance from the FTC and CFPB, PFC is unable to delete accurate information from credit reports in exchange for payment PFC sent Ms*** responses to her letter rejecting the payment in exchange for deletion along with an itemized statement of the debt on 1/29/14 and 2/21/14. These letters were returnedas undeliverable. PFC again sent this correspondence on 3/5/and did not receive a return mail notice On 11/6/14, PFC received another offer from Ms*** to pay the debt in exchange for credit reporting deletion. PFC again sent its response to Ms*** rejecting the offerPFC has confirmed that it is accurately reporting the debt and is, unfortunately, unable to delete credit reporting in exchange for payment. PFC will accurately report the debt is paid upon receipt of payment. PFC has attached the correspondence received regarding Ms***’s account and has included the itemized statements previously sent. PFC is happy to answer further questions and looks forward to helping Ms*** resolve this debt
Thank you for the opportunity to respond to Mr***' complaint Professional Finance Company, Inc("PFC") does have a collection account for Mr*** that was assigned to PFC by the *** ** *** *** for utility bills The account was assigned to PFC on 12/20/ PFC
spoke with Mr*** in August of and discussed the matter At that time, Mr*** requested that PFC delete credit reporting of the account and stated he would not pay it unless it was deleted PFC informed Mr*** that it would accurately mark the account as "paid" upon payment PFC received no payments on the debt Mr*** called PFC again on 12/29/and again requested a pay-for-delete arrangement It is PFC's policy not to engage in pay-for-delete, as engaging such activity does not accurately relay the status of the account However, there are certain extenuating circumstances that allow PFC to delete account upon payment in fullAfter review of Mr*** Revdex.com complaint, it appears that he states he was not initially aware of the debt and may not have had the opportunity to pay the debt prior to credit reporting beginning initially, PFC will agree to delete credit reporting upon payment in full Mr*** can contact PFC by telephone at *** ** *** We hope that this will be satisfactory to Mr*** and the Revdex.com and, again, appreciate the opportunity to resolve this matter
We are working on scheduling this job, we schedule only one week at a timeThe end of September will not be a problemThis should be scheduled within the next few weeksOnce a firm date is posted our office will be in touch with this homeowner.**We need to get a foreman over to this home to
review an existing stone walk we are to pour up againstThe homeowner expressed that he did not want this walk disrupted, however our Salesman is unsure we can accommodate for that.Thank YouTina
Thank you for the opportunity to respond to Ms*** complaint On 1/20/2014, Professional Finance Company, Inc("PFC") was assigned an account for collections from Ms*** as referenced in her complaint An initial notice was sent in compliance with the Fair Debt Collections
Practices Act (FDCPA) on 1/21/ After numerous attempts to contact Ms*** by telephone, PFC spoke with Ms*** on 10/23/ During this communication, Ms*** stated that she was in the process of beginning new employment and would be calling PFC back when she would be able to pay the account PFC received no further communications from Ms*** until it received this complaint Due to recent regulatory advisement, including regulations suggested by the New York Attorney General's office and the credit reporting agencies themselves, PFC would be happy to delete credit reporting of Ms*** account upon payment PFC certainly believes that consumers should be given an opportunity to pay a debt prior to it impacting their credit It has been a long standing policy at PFC, even prior to recent regulatory changes, that consumers who were unaware of collection accounts would have credit reporting deleted upon payment of the debt PFC urges Ms*** to telephone PFC at *** *** so that we can help Ms*** take care of this matter Again, PFC appreciates the opportunity to respond to Ms*** complaint and looks forward to working with her
Thank you for the opportunity to respond to this complaint. Professional Finance Company, Inc. ("PFC") did agree to deletion of credit reporting upon payment of [redacted] account that was placed at PFC for collections. PFC confirmed payment of the account on...
2/25/2015 and submitted credit reporting deletion to the credit bureaus on 3/1/2015. PFC has confirmed in its records that this deletion request was sent. Often times, the credit bureaus will take additional time to reflect the deletion, due to the volume of data they process and their own procedures. However, PFC has checked reporting with all three of the major credit reporting agencies and has confirmed that the agencies are not reporting any information from PFC for [redacted]. PFC has attached reporting from [redacted], [redacted], and [redacted] showing that no accounts are being reported by PFC. As PFC is not reporting any information, further inquiry or questions must be made to the credit bureaus themselves.
On Thu, Nov 17, 2016 at 10:33 AM, Nick P[redacted] <np[redacted]@pfccollects.com> wrote:Good morning, M[redacted]. I hope you are well.I wanted to reach out to you regarding the complaint of [redacted]. While PFC believes it has shown that all payments were applied correctly and that the full balance is owing, PFC was able to speak with [redacted] and obtain authority to accept Ms. [redacted]’s offer to pay $84.33. It appears PFC cannot respond through the Revdex.com Portal. So, given Ms. [redacted]’s expressed anxiety about this situation, we wanted to help to get this matter resolved as soon as possible. Please let me know if you will be able to relay this information to Ms. [redacted] or if there is anything that PFC needs to do to relay this directly.Thanks!Nick Nicholas P[redacted], Esq.*Director of ComplianceProfessional Finance Company, Inc.5754 W. 11th St., Suite 100Greeley, CO 80634[redacted]
This driveway is scheduled to be replaced. We never had to contact out insurance company, the concrete supplier is who we were waiting for. After the terrible winter we had last year, the supplier was very backed up with complaints and it did take much longer then we liked to get a response....
However, once we got the approval that they would cover the replacement of the driveway due to faulty concrete, I sent letters to all our customers (10) who were involved. Unfortunately, due to the very rainy month of June we were already so backed up with work we were unable to fit them all in this season. I will mail this homeowner a contract stating the driveway will be replaced in the first part of next season 2016. Thank You Tina B. office manager
[redacted]
[redacted]
[redacted]
[redacted]Hello, I would like to share that your client- [redacted] has reported at least 5 times to other credit collection companies sizable amounts that were deemed unbillable to me. [redacted] investigated these improper claims and reported back that [redacted] should not be trying to collect these amounts. We have been working on these FALSE collections for well over a year, and now this new collection has popped up. At this stage, after speaking to an attorney and doing some research, we are able to collect damages due to improper collection practices. With that said, we want to see a statement from [redacted] stating that they are aware of these improper billing/ collection attempts, and that the amount you are trying to collect is the final and last attempt at ANY collection from them. We received proof verbally and via hard copy that prove [redacted] absolutely exercised improper/illegal debt collection practices. The amount they are trying to collect at this point pales in comparison to the number of hours we spent trying to clear these FALSE collections from ALL credit reports, legal consult, frustration, and stress during these very difficult times. Not only were we dealing with stage 4 cancer, but my wife had a brain injury and horrible back injuries that she was having to deal with during this time as well. They should be ashamed of themselves for putting us through all of this- had they done the correct thing from the beginning (not falsely trying to collect amounts $1390 +)that were not owed) and inflated the collection amounts falsely, this all would have been rectified long ago. We proceeded to make payment arrangements to one of the many collection companies they hired to TRASH my credit, and when we questioned the billing on this account with that collection company, we received a FULL refund with an apology letter and it was quickly removed from my credit report. Due to the extent of damage to my credit report- I can pay the amount they are asking, but I will also file a formal complaint and pursue damages possibly to defend my rights. Please let me know how you wish to proceed. Sincerely, [redacted]
Complaint: [redacted]
I am rejecting this response because: I as well have audio copies of the communications between the supervisor at PCF and with myself, and I was lied to and denied the opportunity to speak with other staff members and hung up on. Upon reviewing the tapes again, [redacted] was hung up on for being rude. We agree to this statement. However, I was treated unprofessionally, lied to and denied documentation. As a "customer" of the company we are in fact intitiled to what is being required in writing or otherwise.The response also does not address MY bank account being frozen for fees not associated with me. As well, [redacted] did NOT receive the materials requested in court outlining the said debt, as ordered. Thus, we were informed until PCF complied we were not to comply. [redacted] was hospitalized in a coma in a different county and hospital during the time of the alleged debt, which was proven in the insurance paperwork sent to the company in June 2015. As well, his identity had been stolen earlier in the that year (2008). Documents provided by his father and the insurance company who settled [redacted] medicals bills were sent to the company in June 2015. No response was given. Because Mr. [redacted] nor I had ever dealt with a collection agency before we began to make payments on the debt.There also are fees added for interest on the case in $139. If accepting partial payment is not allowed because of further costs, then why is there an interest charge being applied? As well, PCF had both [redacted] and [redacted] current phone numbers and NEVER made an attempt to contact either of us on 12/1/2015. I would like to see proof of this, as we feel the company is fabricating this information. The first attempt to make a partial payment was on 11/28/2015. We also have phone records to prove this fact. We also have phone records to support calling and leaving four unreturned messages in attempts to gain further information and find what has happened to the paperwork submitted by the insurance company by [redacted] (father of [redacted]). Who again, [redacted] was under his insurance at the time because he was a college student and covered.I again would like the fees associated with MY bank account be reimbursed in the total of $75 and the freezing of MY bank account released. As well, because of the improper treatment of both Mr. [redacted] and [redacted] any further fees (since attempts were made to make payment) be dropped. We will pay the $270 to resolve this case, yet reserve the right to collect that amount and all other fees and expenses related when it is found that this in fact is not [redacted]'s debt (which again, is in the insurance records provided, and we can again provide). At this time, we are working to clear Mr. [redacted]'s credit and thus want to resolve this matter not as a fact of admitting the debt but to erase it from his credit history.
Regards,
[redacted]
Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to Mr. [redacted]’ complaint. Mr. [redacted] contacted PFC on 7/13/2016 to pay his [redacted] account. During this call, Mr. [redacted] set up a recurring payment arrangement to pay off the debt in three...
payments, to be taken out of his account automatically on 7/26/2016, 8/26/2016, and 9/26/2016. Mr. [redacted]’ first payment for 7/26/2016 was processed by PFC and returned as Non-Sufficient Funds by Mr. [redacted]’ bank. PFC then left several messages for Mr. [redacted] and received a return phone call on 8/24/2016. During this call, Mr. [redacted] again set up recurring payments to pay off the debt in three payments, this time with payments to occur on 8/26/2016, 9/26/2016, and 10/26/2016. The first payment on 8/26/2016 did go through and get processed. Mr. [redacted] then called PFC on 9/22/2016. A recording of this call has been attached to this response. In this call, Mr. [redacted] stated that he “somehow managed to screw up” his bank account and needed to delay his scheduled payment. PFC’s representative stated that would not be a problem, but Mr. [redacted]’ payment information would need to be re-entered. Mr. [redacted] appeared to be searching for his Visa card to enter into the payment arrangements, but was unable to find it. Mr. [redacted] stated he would need to call PFC back once he located his card. PFC never received a return call from Mr. [redacted]. PFC attempted to reach Mr. [redacted] by telephone 10 times between the 9/22/2016 phone call and the date of this response, 2/8/2017. Mr. [redacted] has never responded to any of these attempts to reach him. PFC disagrees that it mishandled Mr. [redacted]’ information or was incompetent in anyway. Unfortunately, Mr. [redacted]’ complaint is wholly inaccurate. As such, PFC rejects Mr. [redacted]’ demand to pay the balance on the account from PFC’s own resources. However, PFC is happy to help Mr. [redacted] in setting up a payment arrangement to satisfy the remaining balance on his account and will delete credit reporting of Mr. [redacted]’ account upon payment in full.
Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to the complaint of Ms. [redacted]. PFC was assigned an account from [redacted] (“[redacted]”) on 9/13/2016 for collection from Ms. [redacted]. PFC mailed Ms. [redacted] initial notice of the debt (attached) on...
9/15/2016. The notice was mailed to Ms. [redacted]’s [redacted] address that has been confirmed as correct by Ms. [redacted]. PFC received no notice of returned mail for this letter. Despite this notice, PFC received no return communication from Ms. [redacted]. PFC did begin credit reporting the account on 11/13/2016 and thereafter made 6 calls to Ms. [redacted]’s telephone number ending in 9900, including leaving 5 voicemail messages. Ms. [redacted] returned PFC’s 3/8/2017 call and, after placing a call to [redacted], paid the account. PFC seeks to allow consumers an opportunity to pay the account prior to it impacting their credit. As such, PFC takes Ms. [redacted] at her word that she was previously unaware of the account and has already submitted a deletion of all credit reporting of the account. Additionally, PFC does not charge fees on any collection accounts. PFC is happy to address any further questions or concerns.
Professional Finance Company, Inc. (“PFC”) certainly does understand Mr. [redacted]’s frustration and appreciates his willingness to work with PFC to get this matter resolved. As previously stated, PFC will delete credit reporting of the [redacted] account in question upon its payment. Once paid, PFC will submit the deletion request to all three major credit bureaus. However, the credit bureaus may take additional time to reflect this deletion, which is out of PFC’s control PFC looks forward to assisting Mr. [redacted] in resolving this matter.
PFC has received Mr. [redacted]'s payment and submitted the deletion request to the credit reporting agencies on 9/9/2016. Today, on 9/12/2016, PFC reviewed Mr. [redacted]'s information with [redacted], and [redacted], and confirmed that the account has been removed from credit reporting. As proof, PFC has attached reporting reviews that reflect no accounts reported by PFC under Mr. [redacted]'s information. PFC trusts that this will resolve Mr. [redacted]'s complaint. If anything further is needed, please feel free to contact PFC.
Complaint: [redacted]
I am rejecting this response because:This company NEVER contacted me by phone as they state they did, they claim that my payments were returned my bank says otherwise that no debits were drawn after July 2016!! And they had no problem going in and removing funds at their convience ina sneaky way of a court ordered garnishment that I was not aware of how can they contact me for the original garnishment but not this garnishment?? And I will repeat that they included extra funds that were NOT authorized.I already paid in payments for March, April, May, June & July 2016 for $ 68.68 each payment that is $343.40 paid in on their original requested balance for $ 547.84 which I would have only owed $204.44 they took $359.10 ( they claim my bank received $75.00 of this $359.00 they took ) I am looking into this and none would have been removed if PFC kept their end of the agreement.This will be a he said she said situation, again I DO check my phone messages daily as my mother has Alzheimer's and is in a nursing facility in Broomfield! I can NOT afford NOT to check my messages daily as I never know if the nursing home will call me if my mother takes a fall, or has a health issue!They are not being truthful and they managed to have the legal system work on their behalf and for their own benefit and profit! I would have never made the effort to go to court 2X to work out the claim for payments if I intended to fault on a agreement with them.They had my cell number as well and my home number and my address which they sent notices just fine to to notify me of the collections in which I responded to!They wrote on their monthly statements to me that I obligated to pay them as I gave them permission for monthly payments on a " previous recorded conversation" however when I called on 10/25/2016 and asked if I could record the conversation a female named Kelly said they do not do that ever... and she did not give me any permission to do so ( also not the truth if they recorded my conversation and it is written on the monthly statement I have in my hand.)This company did NOT honor their own agreement, it seems to me that PFC figured out a way to say the consumer somehow faulted on collection agreements, regardless of what they responded back to the Revdex.com they did NOT attempt to contact me, however just yesterday I received a letter postmarked 11/04/2016 with the garnishment notice of funds and an additional BLANK notice " To Writ of Garnishment with notice" after they took out of my account..Why send me this now? Is it because I have put in a complaint with the Revdex.com and including the attorney Generals office? Seriously what was the point of this notice now if they went and removed the funds they claim they didn't have access to months ago and added funds that were over the original debt? And how was this possible if they did not have my account information?This company does NOT have good business practices and has figured out a way to benefit themselves and including benefiting themselves with even more then they are entitled to or actually due!! I think it is unjust how they handled this situation and unethical however like I mentioned it is a he said she said situation I would like an better explanation of how they took more then what was agreed upon ?
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:At this time I have attempted to contact agents and supervisors with PFC to verify if the dispute documents I mailed on December 16, 2016 have been received and reviewed. On 12/21 the agent refused to speak with me and twice transferred me to a supervisor extension which went to voicemail both times. On 12/23 again the agent would not speak to me only indicating they must transfer me to another department for handling. Voicemail with my cell contact information was left for a Scott M[redacted] at 4:30 to verify with me if the documents have been received, as of today 12/29 I have not had a return call. Today I again called and was told the agent must transfer me to another department. I have left another voicemail at 11:45 today with a Nick P[redacted] to contact me for verification dispute documents have been received.In order to ensure that the 30-day deadline to submit my dispute in writing is met I have attached the "Letter of Dispute" and additional document, a canceled refund check from [redacted]. This is a copy of the refund paid to me when final payment was received by them and it was determined an over payment had been made. the refunde was for over payment of services provided on 5/29/2014.I would like to also request that PFC obtain from [redacted], and provide me a copy, a complete transaction history of my account. All account billing statements sent to me and records of payment received from both me and the insurance provider.
Regards,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. As long as the work is done before the season is out, I will be satisfied However, I am and always will be dissatisfied by the many promises I was given by the salesman That particular gentleman I am not happy withEveryone else is fineThe work the company does is greatJust want assurance the work will be completed before season is out and it appears they have stated this in their resolution.Regards, *** ***
Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me Can I accept your your response as a written agreement that you, Professional Finance Company, will completely delete the collection and any history of if from all three credit bureaus upon payment in full? Once I have received confirmation of this agreement I will call PFC no later then two days time to pay the debt and resolve the collection.Thank you very much for this opportunity!
Cheers,
*** ***
Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me, as long as this constitutes as a written agreement that "PFC" will completely delete the collections account from all credit bureausIf this is the case, I will be callimg within hours to make payment in fullI appreciate the Revdex.com's help resolving the matterI also really appreciate "PFC" looking at my complaint from an unbiased point of view, and coming to a resolution we can all agree with.Thank you,*** ***
Thank you for the opportunity to resolve this matter PFC's responses submitted through the Revdex.com may serve as written confirmation of PFC's agreement that tradeline deletion of Ms*** account will be submitted to the credit reporting agencies by PFC PFC does note that the credit bureaus may take additional time to reflect PFC's submission of deletion, and that any such delay is out of PFC's control PFC looks forwarding to helping Ms*** resolve this matter
Thank you for the opportunity to respond to Ms***’s complaint. Professional Finance Company, Inc(“PFC”) received an account for collections from its client, *** ***y, on November 30, 2011. On or around December 2, 2011, PFC sent initial notice of the debt
to Ms*** as required by the Fair Debt Collection Practices Act (“FDCPA”). Despite numerous attempts to contact Ms. *** by telephone, PFC received no response from Ms*** until 1/29/2014, at which time PFC received an offer to pay the debt in exchange for deletion from Ms***’s credit report Unfortunately, due to the requirements of the Fair Credit Reporting Act and guidance from the FTC and CFPB, PFC is unable to delete accurate information from credit reports in exchange for payment PFC sent Ms*** responses to her letter rejecting the payment in exchange for deletion along with an itemized statement of the debt on 1/29/14 and 2/21/14. These letters were returnedas undeliverable. PFC again sent this correspondence on 3/5/and did not receive a return mail notice On 11/6/14, PFC received another offer from Ms*** to pay the debt in exchange for credit reporting deletion. PFC again sent its response to Ms*** rejecting the offerPFC has confirmed that it is accurately reporting the debt and is, unfortunately, unable to delete credit reporting in exchange for payment. PFC will accurately report the debt is paid upon receipt of payment. PFC has attached the correspondence received regarding Ms***’s account and has included the itemized statements previously sent. PFC is happy to answer further questions and looks forward to helping Ms*** resolve this debt
Thank you for the opportunity to respond to Mr***' complaint Professional Finance Company, Inc("PFC") does have a collection account for Mr*** that was assigned to PFC by the *** ** *** *** for utility bills The account was assigned to PFC on 12/20/ PFC
spoke with Mr*** in August of and discussed the matter At that time, Mr*** requested that PFC delete credit reporting of the account and stated he would not pay it unless it was deleted PFC informed Mr*** that it would accurately mark the account as "paid" upon payment PFC received no payments on the debt Mr*** called PFC again on 12/29/and again requested a pay-for-delete arrangement It is PFC's policy not to engage in pay-for-delete, as engaging such activity does not accurately relay the status of the account However, there are certain extenuating circumstances that allow PFC to delete account upon payment in fullAfter review of Mr*** Revdex.com complaint, it appears that he states he was not initially aware of the debt and may not have had the opportunity to pay the debt prior to credit reporting beginning initially, PFC will agree to delete credit reporting upon payment in full Mr*** can contact PFC by telephone at *** ** *** We hope that this will be satisfactory to Mr*** and the Revdex.com and, again, appreciate the opportunity to resolve this matter
We are working on scheduling this job, we schedule only one week at a timeThe end of September will not be a problemThis should be scheduled within the next few weeksOnce a firm date is posted our office will be in touch with this homeowner.**We need to get a foreman over to this home to
review an existing stone walk we are to pour up againstThe homeowner expressed that he did not want this walk disrupted, however our Salesman is unsure we can accommodate for that.Thank YouTina
Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
*** ***
Thank you for the opportunity to respond to Ms*** complaint On 1/20/2014, Professional Finance Company, Inc("PFC") was assigned an account for collections from Ms*** as referenced in her complaint An initial notice was sent in compliance with the Fair Debt Collections
Practices Act (FDCPA) on 1/21/ After numerous attempts to contact Ms*** by telephone, PFC spoke with Ms*** on 10/23/ During this communication, Ms*** stated that she was in the process of beginning new employment and would be calling PFC back when she would be able to pay the account PFC received no further communications from Ms*** until it received this complaint Due to recent regulatory advisement, including regulations suggested by the New York Attorney General's office and the credit reporting agencies themselves, PFC would be happy to delete credit reporting of Ms*** account upon payment PFC certainly believes that consumers should be given an opportunity to pay a debt prior to it impacting their credit It has been a long standing policy at PFC, even prior to recent regulatory changes, that consumers who were unaware of collection accounts would have credit reporting deleted upon payment of the debt PFC urges Ms*** to telephone PFC at *** *** so that we can help Ms*** take care of this matter Again, PFC appreciates the opportunity to respond to Ms*** complaint and looks forward to working with her
Thank you for the opportunity to respond to this complaint. Professional Finance Company, Inc. ("PFC") did agree to deletion of credit reporting upon payment of [redacted] account that was placed at PFC for collections. PFC confirmed payment of the account on...
2/25/2015 and submitted credit reporting deletion to the credit bureaus on 3/1/2015. PFC has confirmed in its records that this deletion request was sent. Often times, the credit bureaus will take additional time to reflect the deletion, due to the volume of data they process and their own procedures. However, PFC has checked reporting with all three of the major credit reporting agencies and has confirmed that the agencies are not reporting any information from PFC for [redacted]. PFC has attached reporting from [redacted], [redacted], and [redacted] showing that no accounts are being reported by PFC. As PFC is not reporting any information, further inquiry or questions must be made to the credit bureaus themselves.
On Thu, Nov 17, 2016 at 10:33 AM, Nick P[redacted] <np[redacted]@pfccollects.com> wrote:Good morning, M[redacted]. I hope you are well.I wanted to reach out to you regarding the complaint of [redacted]. While PFC believes it has shown that all payments were applied correctly and that the full balance is owing, PFC was able to speak with [redacted] and obtain authority to accept Ms. [redacted]’s offer to pay $84.33. It appears PFC cannot respond through the Revdex.com Portal. So, given Ms. [redacted]’s expressed anxiety about this situation, we wanted to help to get this matter resolved as soon as possible. Please let me know if you will be able to relay this information to Ms. [redacted] or if there is anything that PFC needs to do to relay this directly.Thanks!Nick Nicholas P[redacted], Esq.*Director of ComplianceProfessional Finance Company, Inc.5754 W. 11th St., Suite 100Greeley, CO 80634[redacted]
This driveway is scheduled to be replaced. We never had to contact out insurance company, the concrete supplier is who we were waiting for. After the terrible winter we had last year, the supplier was very backed up with complaints and it did take much longer then we liked to get a response....
However, once we got the approval that they would cover the replacement of the driveway due to faulty concrete, I sent letters to all our customers (10) who were involved. Unfortunately, due to the very rainy month of June we were already so backed up with work we were unable to fit them all in this season. I will mail this homeowner a contract stating the driveway will be replaced in the first part of next season 2016. Thank You Tina B. office manager
[redacted]
[redacted]
[redacted]
[redacted]Hello, I would like to share that your client- [redacted] has reported at least 5 times to other credit collection companies sizable amounts that were deemed unbillable to me. [redacted] investigated these improper claims and reported back that [redacted] should not be trying to collect these amounts. We have been working on these FALSE collections for well over a year, and now this new collection has popped up. At this stage, after speaking to an attorney and doing some research, we are able to collect damages due to improper collection practices. With that said, we want to see a statement from [redacted] stating that they are aware of these improper billing/ collection attempts, and that the amount you are trying to collect is the final and last attempt at ANY collection from them. We received proof verbally and via hard copy that prove [redacted] absolutely exercised improper/illegal debt collection practices. The amount they are trying to collect at this point pales in comparison to the number of hours we spent trying to clear these FALSE collections from ALL credit reports, legal consult, frustration, and stress during these very difficult times. Not only were we dealing with stage 4 cancer, but my wife had a brain injury and horrible back injuries that she was having to deal with during this time as well. They should be ashamed of themselves for putting us through all of this- had they done the correct thing from the beginning (not falsely trying to collect amounts $1390 +)that were not owed) and inflated the collection amounts falsely, this all would have been rectified long ago. We proceeded to make payment arrangements to one of the many collection companies they hired to TRASH my credit, and when we questioned the billing on this account with that collection company, we received a FULL refund with an apology letter and it was quickly removed from my credit report. Due to the extent of damage to my credit report- I can pay the amount they are asking, but I will also file a formal complaint and pursue damages possibly to defend my rights. Please let me know how you wish to proceed. Sincerely, [redacted]
Complaint: [redacted]
I am rejecting this response because: I as well have audio copies of the communications between the supervisor at PCF and with myself, and I was lied to and denied the opportunity to speak with other staff members and hung up on. Upon reviewing the tapes again, [redacted] was hung up on for being rude. We agree to this statement. However, I was treated unprofessionally, lied to and denied documentation. As a "customer" of the company we are in fact intitiled to what is being required in writing or otherwise.The response also does not address MY bank account being frozen for fees not associated with me. As well, [redacted] did NOT receive the materials requested in court outlining the said debt, as ordered. Thus, we were informed until PCF complied we were not to comply. [redacted] was hospitalized in a coma in a different county and hospital during the time of the alleged debt, which was proven in the insurance paperwork sent to the company in June 2015. As well, his identity had been stolen earlier in the that year (2008). Documents provided by his father and the insurance company who settled [redacted] medicals bills were sent to the company in June 2015. No response was given. Because Mr. [redacted] nor I had ever dealt with a collection agency before we began to make payments on the debt.There also are fees added for interest on the case in $139. If accepting partial payment is not allowed because of further costs, then why is there an interest charge being applied? As well, PCF had both [redacted] and [redacted] current phone numbers and NEVER made an attempt to contact either of us on 12/1/2015. I would like to see proof of this, as we feel the company is fabricating this information. The first attempt to make a partial payment was on 11/28/2015. We also have phone records to prove this fact. We also have phone records to support calling and leaving four unreturned messages in attempts to gain further information and find what has happened to the paperwork submitted by the insurance company by [redacted] (father of [redacted]). Who again, [redacted] was under his insurance at the time because he was a college student and covered.I again would like the fees associated with MY bank account be reimbursed in the total of $75 and the freezing of MY bank account released. As well, because of the improper treatment of both Mr. [redacted] and [redacted] any further fees (since attempts were made to make payment) be dropped. We will pay the $270 to resolve this case, yet reserve the right to collect that amount and all other fees and expenses related when it is found that this in fact is not [redacted]'s debt (which again, is in the insurance records provided, and we can again provide). At this time, we are working to clear Mr. [redacted]'s credit and thus want to resolve this matter not as a fact of admitting the debt but to erase it from his credit history.
Regards,
[redacted]
Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to Mr. [redacted]’ complaint. Mr. [redacted] contacted PFC on 7/13/2016 to pay his [redacted] account. During this call, Mr. [redacted] set up a recurring payment arrangement to pay off the debt in three...
payments, to be taken out of his account automatically on 7/26/2016, 8/26/2016, and 9/26/2016. Mr. [redacted]’ first payment for 7/26/2016 was processed by PFC and returned as Non-Sufficient Funds by Mr. [redacted]’ bank. PFC then left several messages for Mr. [redacted] and received a return phone call on 8/24/2016. During this call, Mr. [redacted] again set up recurring payments to pay off the debt in three payments, this time with payments to occur on 8/26/2016, 9/26/2016, and 10/26/2016. The first payment on 8/26/2016 did go through and get processed. Mr. [redacted] then called PFC on 9/22/2016. A recording of this call has been attached to this response. In this call, Mr. [redacted] stated that he “somehow managed to screw up” his bank account and needed to delay his scheduled payment. PFC’s representative stated that would not be a problem, but Mr. [redacted]’ payment information would need to be re-entered. Mr. [redacted] appeared to be searching for his Visa card to enter into the payment arrangements, but was unable to find it. Mr. [redacted] stated he would need to call PFC back once he located his card. PFC never received a return call from Mr. [redacted]. PFC attempted to reach Mr. [redacted] by telephone 10 times between the 9/22/2016 phone call and the date of this response, 2/8/2017. Mr. [redacted] has never responded to any of these attempts to reach him. PFC disagrees that it mishandled Mr. [redacted]’ information or was incompetent in anyway. Unfortunately, Mr. [redacted]’ complaint is wholly inaccurate. As such, PFC rejects Mr. [redacted]’ demand to pay the balance on the account from PFC’s own resources. However, PFC is happy to help Mr. [redacted] in setting up a payment arrangement to satisfy the remaining balance on his account and will delete credit reporting of Mr. [redacted]’ account upon payment in full.
Professional Finance Company, Inc. (“PFC”) appreciates the opportunity to respond to the complaint of Ms. [redacted]. PFC was assigned an account from [redacted] (“[redacted]”) on 9/13/2016 for collection from Ms. [redacted]. PFC mailed Ms. [redacted] initial notice of the debt (attached) on...
9/15/2016. The notice was mailed to Ms. [redacted]’s [redacted] address that has been confirmed as correct by Ms. [redacted]. PFC received no notice of returned mail for this letter. Despite this notice, PFC received no return communication from Ms. [redacted]. PFC did begin credit reporting the account on 11/13/2016 and thereafter made 6 calls to Ms. [redacted]’s telephone number ending in 9900, including leaving 5 voicemail messages. Ms. [redacted] returned PFC’s 3/8/2017 call and, after placing a call to [redacted], paid the account. PFC seeks to allow consumers an opportunity to pay the account prior to it impacting their credit. As such, PFC takes Ms. [redacted] at her word that she was previously unaware of the account and has already submitted a deletion of all credit reporting of the account. Additionally, PFC does not charge fees on any collection accounts. PFC is happy to address any further questions or concerns.
Professional Finance Company, Inc. (“PFC”) certainly does understand Mr. [redacted]’s frustration and appreciates his willingness to work with PFC to get this matter resolved. As previously stated, PFC will delete credit reporting of the [redacted] account in question upon its payment. Once paid, PFC will submit the deletion request to all three major credit bureaus. However, the credit bureaus may take additional time to reflect this deletion, which is out of PFC’s control PFC looks forward to assisting Mr. [redacted] in resolving this matter.
PFC has received Mr. [redacted]'s payment and submitted the deletion request to the credit reporting agencies on 9/9/2016. Today, on 9/12/2016, PFC reviewed Mr. [redacted]'s information with [redacted], and [redacted], and confirmed that the account has been removed from credit reporting. As proof, PFC has attached reporting reviews that reflect no accounts reported by PFC under Mr. [redacted]'s information. PFC trusts that this will resolve Mr. [redacted]'s complaint. If anything further is needed, please feel free to contact PFC.
Complaint: [redacted]
I am rejecting this response because:This company NEVER contacted me by phone as they state they did, they claim that my payments were returned my bank says otherwise that no debits were drawn after July 2016!! And they had no problem going in and removing funds at their convience ina sneaky way of a court ordered garnishment that I was not aware of how can they contact me for the original garnishment but not this garnishment?? And I will repeat that they included extra funds that were NOT authorized.I already paid in payments for March, April, May, June & July 2016 for $ 68.68 each payment that is $343.40 paid in on their original requested balance for $ 547.84 which I would have only owed $204.44 they took $359.10 ( they claim my bank received $75.00 of this $359.00 they took ) I am looking into this and none would have been removed if PFC kept their end of the agreement.This will be a he said she said situation, again I DO check my phone messages daily as my mother has Alzheimer's and is in a nursing facility in Broomfield! I can NOT afford NOT to check my messages daily as I never know if the nursing home will call me if my mother takes a fall, or has a health issue!They are not being truthful and they managed to have the legal system work on their behalf and for their own benefit and profit! I would have never made the effort to go to court 2X to work out the claim for payments if I intended to fault on a agreement with them.They had my cell number as well and my home number and my address which they sent notices just fine to to notify me of the collections in which I responded to!They wrote on their monthly statements to me that I obligated to pay them as I gave them permission for monthly payments on a " previous recorded conversation" however when I called on 10/25/2016 and asked if I could record the conversation a female named Kelly said they do not do that ever... and she did not give me any permission to do so ( also not the truth if they recorded my conversation and it is written on the monthly statement I have in my hand.)This company did NOT honor their own agreement, it seems to me that PFC figured out a way to say the consumer somehow faulted on collection agreements, regardless of what they responded back to the Revdex.com they did NOT attempt to contact me, however just yesterday I received a letter postmarked 11/04/2016 with the garnishment notice of funds and an additional BLANK notice " To Writ of Garnishment with notice" after they took out of my account..Why send me this now? Is it because I have put in a complaint with the Revdex.com and including the attorney Generals office? Seriously what was the point of this notice now if they went and removed the funds they claim they didn't have access to months ago and added funds that were over the original debt? And how was this possible if they did not have my account information?This company does NOT have good business practices and has figured out a way to benefit themselves and including benefiting themselves with even more then they are entitled to or actually due!! I think it is unjust how they handled this situation and unethical however like I mentioned it is a he said she said situation I would like an better explanation of how they took more then what was agreed upon ?
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:At this time I have attempted to contact agents and supervisors with PFC to verify if the dispute documents I mailed on December 16, 2016 have been received and reviewed. On 12/21 the agent refused to speak with me and twice transferred me to a supervisor extension which went to voicemail both times. On 12/23 again the agent would not speak to me only indicating they must transfer me to another department for handling. Voicemail with my cell contact information was left for a Scott M[redacted] at 4:30 to verify with me if the documents have been received, as of today 12/29 I have not had a return call. Today I again called and was told the agent must transfer me to another department. I have left another voicemail at 11:45 today with a Nick P[redacted] to contact me for verification dispute documents have been received.In order to ensure that the 30-day deadline to submit my dispute in writing is met I have attached the "Letter of Dispute" and additional document, a canceled refund check from [redacted]. This is a copy of the refund paid to me when final payment was received by them and it was determined an over payment had been made. the refunde was for over payment of services provided on 5/29/2014.I would like to also request that PFC obtain from [redacted], and provide me a copy, a complete transaction history of my account. All account billing statements sent to me and records of payment received from both me and the insurance provider.
Regards,
[redacted]