Reddi Overhead Door Company

Initial Business Response / [redacted] (1000, 10, 2016/02/12) */ The assertion that the debtor student was unaware of the debt until December of is incorrectWhen the student withdrew from courses, this reduced the Federal financial aid she qualified for by $The bulk of her balance is because she received a refund checkThe debtor student called the College's Valparaiso office late July/early August and spoke with an Account SpecialistAfter becoming upset when the Specialist explained that she had a balance due, she ended the callFurthermore, according to our records, the debtor student was sent a pre-collect email on 10/07/from the collection agency (e-mail address redacted)A physical letter was mailed to (address redacted) on 11/9/It was returned 11/10/as she left no forwarding address A debt collector called the debtor student on 12/15/15, not realizing she was in (state redacted)The debtor student verbally berated the collector The collector then skip traced her and found her new address: (redacted) Since (state redacted) is a closed border state and the collection agency was not licensed to collect there, the collection agency sent the account back to the College The account was then forwarded to a different collection agency, which accepted the account on 1/14/The debtor received a letter from this agency in January The debtor student has known that she owed this balance since July/August of 2015, not December as she allegesFurthermore, even if the College sent the account to collections without reaching out to the debtor student first, there is nothing in the Fair Debt Collection act prohibiting that action as the College was not contractually obligated to provide her with any such notificationThe debtor student is trying to give herself rights the law simply does not provide for herThe College was never under any obligation to notify, consult, or negotiate with her prior to employing a collection agency to recover the $we sent back to the US Department of Education on her behalf The College will maintain the account with the collection agency and sees no reason to change its policies or the status of this debt OFFER: Initial Consumer Rebuttal / [redacted] (3000, 12, 2016/02/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept their response for three reasons The first reasonThe original amount was $Due to active duty military orders, the classes were dropped before the deadlinesThe original amount was incorrect, so I had to submit a waiver to have the classes that were not taken removed from my accountOnce I submitted the waiver request, without me being notified, the new amount was $and it was backdated to show January 20, I was never made aware of this debt The second reasonWe knew our new address before we moved and I updated the schools records with the new addressOn top of that, I spoke to the Associate Vice Chancellor of Student AffairsShe emailed me and she also mailed the "Refund, Balance Waiver or Exception to Academic Policy Request form" in April, to my new addressJuly 23rd, I talked to her again and she told me the amount would be recalculatedI checked my account and at that time, there was no amount dueSince I gave her my address in April, I have not movedI never received a phone call to payI never received a precollection letter or emailI have no problem paying what is due, I have never been given the opportunity to pay Third reasonThe school has told me the debt is $The debt collectors stated the amount due is $The school says I owe $The debt collector says the school said I owe $I disputed the debt with the debt collectors and they told me I need to dispute the amount with the schoolThe school says I owe $ Please keep in mind that the collector never did a 'skip trace'I never received a precollection noticeI was trying to get my transcripts to enroll in school againOver the period of a few weeks, I kept getting an error that said the system was down and to try again laterI was getting closer to the deadline for enrolling in school again and I needed my transcriptSo I called and spoke to the lady in the Business Office in December and I found out that I owe money and that is why I could not get my transcriptI gave her my phone number and addressThe phone number has not changed from before I started going to schoolThe address has not changed since I updated it in AprilShe told me that she would have her boss call meShe didn't call me backHer boss did not call meThe creditor called and told me my information was updated by the schoolI was never given the opportunity to pay I want the school to take the amount out of collections and let me pay the $

Initial Business Response /* (1000, 10, 2016/02/12) */
The assertion that the debtor student was unaware of the debt until December of is incorrectWhen the student withdrew from courses, this reduced the Federal financial aid she qualified for by $The bulk of her balance is because
she received a refund checkThe debtor student called the College's Valparaiso office late July/early August and spoke with an Account SpecialistAfter becoming upset when the Specialist explained that she had a balance due, she ended the callFurthermore, according to our records, the debtor student was sent a pre-collect email on 10/07/from the collection agency (e-mail address redacted)A physical letter was mailed to (address redacted) on 11/9/It was returned 11/10/as she left no forwarding address
A debt collector called the debtor student on 12/15/15, not realizing she was in (state redacted)The debtor student verbally berated the collector The collector then skip traced her and found her new address: (redacted) Since (state redacted) is a closed border state and the collection agency was not licensed to collect there, the collection agency sent the account back to the College
The account was then forwarded to a different collection agency, which accepted the account on 1/14/The debtor received a letter from this agency in January
The debtor student has known that she owed this balance since July/August of 2015, not December as she allegesFurthermore, even if the College sent the account to collections without reaching out to the debtor student first, there is nothing in the Fair Debt Collection act prohibiting that action as the College was not contractually obligated to provide her with any such notificationThe debtor student is trying to give herself rights the law simply does not provide for herThe College was never under any obligation to notify, consult, or negotiate with her prior to employing a collection agency to recover the $we sent back to the US Department of Education on her behalf
The College will maintain the account with the collection agency and sees no reason to change its policies or the status of this debt
OFFER:
Initial Consumer Rebuttal /* (3000, 12, 2016/02/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept their response for three reasons
The first reasonThe original amount was $Due to active duty military orders, the classes were dropped before the deadlinesThe original amount was incorrect, so I had to submit a waiver to have the classes that were not taken removed from my accountOnce I submitted the waiver request, without me being notified, the new amount was $and it was backdated to show January 20, I was never made aware of this debt
The second reasonWe knew our new address before we moved and I updated the schools records with the new addressOn top of that, I spoke to the Associate Vice Chancellor of Student AffairsShe emailed me and she also mailed the "Refund, Balance Waiver or Exception to Academic Policy Request form" in April, to my new addressJuly 23rd, I talked to her again and she told me the amount would be recalculatedI checked my account and at that time, there was no amount dueSince I gave her my address in April, I have not movedI never received a phone call to payI never received a precollection letter or emailI have no problem paying what is due, I have never been given the opportunity to pay
Third reasonThe school has told me the debt is $The debt collectors stated the amount due is $The school says I owe $The debt collector says the school said I owe $I disputed the debt with the debt collectors and they told me I need to dispute the amount with the schoolThe school says I owe $
Please keep in mind that the collector never did a 'skip trace'I never received a precollection noticeI was trying to get my transcripts to enroll in school againOver the period of a few weeks, I kept getting an error that said the system was down and to try again laterI was getting closer to the deadline for enrolling in school again and I needed my transcriptSo I called and spoke to the lady in the Business Office in December and I found out that I owe money and that is why I could not get my transcriptI gave her my phone number and addressThe phone number has not changed from before I started going to schoolThe address has not changed since I updated it in AprilShe told me that she would have her boss call meShe didn't call me backHer boss did not call meThe creditor called and told me my information was updated by the schoolI was never given the opportunity to pay
I want the school to take the amount out of collections and let me pay the $