Progressive Financial Services

Dispute Resolution Consultant Revdex.com of Central/Northern Arizona [redacted] [redacted] *** Re: Complaint # [redacted] Our AcctNo [redacted] To Whom It May Concern: I have been asked to respond to the above-referenced complaint regarding [redacted] We received the complaint on/about November [redacted] states that he is continuing to get misdirected calls from Progressive even though he has spoken with our staff and previously asked for the calls to stopFirst, I want to apologize for my tardy responseAlthough the matter was corrected promptly by my staff, I have been away from my desk a great deal lately and this formal response was overlookedPromptly upon receipt of this complaint, we located not one but two accounts on which calls to the relevant number (ending in ***) were being madeIt appears the number is for a business/place of employmentWe see that indeed, we had calls from [redacted] regarding the misdirected callsWe found errors by our staff who did not remove the number from the account as promisedFurthermore, calls were being made on a second account – neither account was held by anyone who worked at the place of business [redacted] was writing aboutOur staff also failed to recognize that there was a second account being calledWe apologize for the multiple errors made by our staff that resulted in further calls being made to [redacted] ’ numberThe staff person(s) responsible for the errors have been identified to their respective collection managers and the mangers have been asked to work with the agents to ensure this kind of error does not repeatAgain we are very sorry for the continuing frustration that our shortcomings caused for [redacted] Please let me know if I can be of further assistanceSincerely, /s/ [redacted] *** Corporate Counsel

I received a letter saying I was to contact them and was under the impression from the time I had contacted them I was to create a payment plan to get my student loans out of defaultI had been in the hospital, had multiple surgeries and nearly died of sepsis, so I was not as prompt as I could have beenUpon contacting them, the initial payment they gave me after viewing my (roughly $260) was high and was going to make things stressful for me and my family so I asked if there was any other options to lower my paymentLast year I was out of work for months due to maternity leave, and my husband was out for months as he had honorably discharged from the navy and was pursuing his new careerWe have had many hardships, the year prior we lost our daughter, so things have been tight and stressfulWith the extreme hardships and extra bills; I was then asked my and my husbands current pay before taxes, any bills (housing, power, transportation, cellphone, Internet, childcare, etc.) with these numbers I was quoted a new fee of approximately $60; they just needed the documentation which I sent over right awayI was calling everyday, sometimes twice to check on my status and they told me it was still in review, but they had not sent out any letters to my employer about wage garnishment yetI was under the impression that I had days to figure it out and wouldn't send the letter to my employer until I had made a paymentI had been in contact with them for THREE weeks nowMind you I had been I the hospital again for another surgeryThey then told me several days later that my documents I had sent were blurry and actually needed them resent, which I did promptlyI called back the next day and was told a letter had been sent to my employer to start the garnishment of my wages and that the new documents they received (even after I had been quoted $on the phone) were now going to be $and that was the best they could doAt this point I became very frustrated, I spoke to a supervisor Bill M [redacted] and he informed me it was all my fault and to blame myselfHe was very unprofessional and treated me as though I were some incompetent itI asked Bill if I had paid the original $from the first call, would the letter still had been sent to my employer? He responded that it would not haveSo after weeks of medical issues, calling them back and forth, being misled and quoted multiple prices with the impression of finding a common ground that I could afford and to keep a wage garnishment letter sent to my employer, one was sent anywayI would have paid the original amount (which was a hardship) had I known I would have been misled and misquoted resulting in my time running out and a letter being sentBill M [redacted] told me there was nothing I could do, too bad so sadI am very frustrated due to the fact that I could have just paid the initial amount (which is pretty much the same as the "new and better" one they sent me to begin with) but because they took multiple days to get my documents reviewed and not getting back to me in a timely manner, I am now the one who is having wage garnishmentI understand I have a debt that needs to be payed and I intend to do just that, but have had multiple hardships and handicaps in my life recentlythe way Bill M [redacted] treated me was very unprofessional and his team had misled me and misinformed me this whole timeAgain, due to the fact Bill M [redacted] told me if I paid the initial quote, the garnishment letter would not have been sentI gave them everything they asked, constantly called and they were the ones who were "still reviewing" even after several daysThat my employer had then been informed about a wage garnishmentMoreover, if they had expedited their end or not have misled me in the monthly payment to begin with, according to Bill M [redacted] the wage garnishment would have not been sent to my employerIt has now been sent to my employer and am not at risk of my careerI am VERY upset with the misleading and misquoting I had received AND the rudeness, unprofessionalism and lack of responsibility taken by this company; especially Bill M [redacted] Clearly he was lying to me or his employees were and for that, I am the one being screwed over by a new monthly pay that was roughly the same amount of my first quote and now I had a letter sent to my employ to have my wages garnishedI would not have spent the whole three weeks working with them, calling constantly to come up with a more affordable payment had it just resulted in thisThis is one of the worst, most unprofessional and dishonest companies I have dealt with

To Whom It May Concern: Writer’s Direct Line: [redacted] [redacted] I have been asked to respond to the above-referenced complaint regarding Ms [redacted] We received the complaint on/about April Ms [redacted] states that she does not owe any past due debt to our client, [redacted] She states that it might be identity theft and that “I have called numerous times to dispute this.”Promptly upon receipt of the complaint, we located the relevant account It is not clear from her e-mail if her “numerous” calls to dispute the debt were made to [redacted] or to Progressive We found only one inbound call from this consumer, however Our front desk personnel took the call and before she could transfer the call out to the [redacted] unit on the collection floor, the consumer terminated the call.We have placed the account in a dispute/hold status and notified our client ( [redacted] )that the consumer is claiming possible identity theft We have been notified that the appropriate ***unit has mailed out a fraud packet to this consumer to complete and return to *** In addition, prior to receiving the Revdex.com complaint, we got notice from the credit bureaus that she was disputing the accountAt that time, a request was sent to delete the trade line and records available to us indicate that request has been completed at all three major credit reporting agencies Furthermore, upon receipt of the dispute, our staff obtained verification documentation from [redacted] and forwarded that to Ms [redacted] .We believe that our staff has handled the account appropriately and the current dispute/hold status will be in place until we receive word from [redacted] that the fraud investigation has concluded.Please let me know if I can be of further assistance.Sincerely,/s/ [redacted] , EsqCorporate Counsel