Regional Credit Services Inc

I'm responding to the letter I received on 1/2/17. The complaint was assigned ID of ***.We are a third party collection agency and *** *** is our client.I have read the notes we have on Ms***'s account that was listed with us. We were unsuccessful at reaching
Ms*** concerning this debt in the past, however there were several attempts made. We received the account in our office on 8/5/15. The first notice went in the mail on 8/7/addressed: ** *** *** *** ** ***. We received a report from ***, our letter scrub service, the same day with an updated address of: *** * *** *** *** ** ***. The first notice was re-sent, however we received it back in our office as Mail Return. On 8/31/we attempted to reach Ms*** by phone, but there was no answer. On 12/28/we received a dispute from Ms*** via ***. We updated her account in our system as being disputed which will generate a request to the credit bureaus to update their records as well. We also updated her address to reflect the same as the address we received from her through the *** dispute: *** *** *** *** *** *** *** ** ***. We contacted the original creditor, *** ***, for the details of the account. We received the details of the account to the address we received from the consumer through ***. We have met all obligations to produce validation to the consumer as well as updating the account as being disputed. Please let me know anything else I can do to help resolve this matter

Business Response Attached

See attached

Complaint: ***
I am rejecting this response because: A
“strong presumption” of receipt applies when notice is sent by
certified mail, because it creates actual evidence of delivery in the
form of a receipt. *** *** ** *** *** *** *** *** *** (3d Cir2007) (emphasis added)A “weaker
presumption” arises where delivery is sent via regular mail, for
which no receipt, or other proof of delivery, is generatedIdIn
the absence of actual proof of delivery, receipt can be proven
circumstantially by introducing evidence of business practices or
office customs pertaining to mail. *** *** ** *** ** *** *** *** (3d Cir1994)This evidence may be in the form of
a sworn statement. Id
at 895; *** ** *** *** *** *** *** *** ***, (5th Cir2007) (“a sworn statement is credible
evidence of mailing for the purposes of the mailbox rule.”)
However, because the presumption is weak where proof of receipt is
attempted solely by circumstantial evidence, we require the affiant
to have “personal knowledge” of the procedures in place at the
time of the mailing. *** ** *** *** *** *** *** (3d Cir2013)
The
use of certified mail gets the benefit of the presumption only as
long as the return receipt is presented
See,
e.g., *** ** ** *** *** *** ** *** (DAzOct27,
2009)You are too late evidently in providing me my "Mini-Mirandi" which will be proved in a court of law
Also,
I have no agreement or sign contract with REGIONAL CREDIT SERVICES under Texas contract
law, but continue collection action which is a $violation:
The
Debt Collector must offer proof of the debt as owed by providing
copies of the signed intrument from the original
creditor***, FTC informal staff opinion letter, May
17, See *** ** *** *** *** *** ** *** ***
(D.N.D1980); *** ** *** *** *** *** ** cIR1991);
*** ** *** *** *** *** *** *** *** ***
(4thCir
1991), et seq
So, REGIONAL CREDIT SERVICES"
violation of continuing collection activity and no proof that I was
served with my "Mini-Mirandi" rights, neither shown to the
Revdex.com or me, I will go forward with my legal action, as well as turn
this over to the proper governmental agencies and *** ***, NATIONAL FDCPA/FCRA ATTORNEY AT LAW if not immediatelly removed.Also, they have dates stated wrong, haven't even arrived as of yet and further more while checking with the Texas Secretary of State, they are not properly bonded in the state of Texas to collect upon any alleged debt for that matter - another violation in Texas, which allows treble damages
Sincerely,
*** ***

Dispute Resolution Department Revdex.com *** ***@stlouisRevdex.com.org ? Dispute Resolution Department, ? I’m responding to the letter I received on 08/05/2016.? The complaint was assigned ID of ***.? ? ? We are a third party collection agency and
*** Communications is the original creditor on this account and they are our client.? I have read the notes we have on Ms***’s account that was listed with us under the account number of ***.? We have not able to reach Ms*** by phone, but we did send letters and we did not receive them back mail return.? We have received Ms***’s dispute through E-Oscar and have responded by updating her account and requesting it be removed from her credit.? We are aware of her complaint, we have complied with FDCPA and FCRA and the bureaus have been updated.? Please let me know anything else I can do to help resolve this matter.? Thank you, ? ? *** *** Regional Credit Services *** ***@regionalcredit.com

Dispute Resolution Department Revdex.com [redacted]@stlouisRevdex.com.org   Dispute Resolution Department,   I’m responding to the letter I received on 08/05/2016.  The complaint was assigned ID of [redacted].    We are a third party collection agency and...

[redacted] Communications is the original creditor on this account and they are our client.  I have read the notes we have on Ms. [redacted]’s account that was listed with us under the account number of [redacted].  We have not able to reach Ms. [redacted] by phone, but we did send 2 letters and we did not receive them back mail return.  We have received Ms. [redacted]’s dispute through E-Oscar and have responded by updating her account and requesting it be removed from her credit.  We are aware of her complaint, we have complied with FDCPA and FCRA and the bureaus have been updated.  Please let me know anything else I can do to help resolve this matter.  Thank you,     [redacted] Regional Credit Services [redacted]@regionalcredit.com

Complaint: [redacted]
I am rejecting this response because: A
“strong presumption” of receipt applies when notice is sent by
certified mail, because it creates actual evidence of delivery in the
form of a receipt. [redacted] (3d Cir. 2007) (emphasis added). A “weaker
presumption” arises where delivery is sent via regular mail, for
which no receipt, or other proof of delivery, is generated. Id. In
the absence of actual proof of delivery, receipt can be proven
circumstantially by introducing evidence of business practices or
office customs pertaining to mail. [redacted] (3d Cir. 1994). This evidence may be in the form of
a sworn statement. Id.
at 895; [redacted], 420 (5th Cir. 2007) (“a sworn statement is credible
evidence of mailing for the purposes of the mailbox rule.”).
However, because the presumption is weak where proof of receipt is
attempted solely by circumstantial evidence, we require the affiant
to have “personal knowledge” of the procedures in place at the
time of the mailing. [redacted] (3d Cir. 2013).
The
use of certified mail gets the benefit of the presumption only as
long as the return receipt is presented.
See,
e.g., [redacted] (D. Az. Oct. 27,
2009). You are too late evidently in providing me my "Mini-Mirandi" which will be proved in a court of law.
Also,
I have no agreement or sign contract with REGIONAL CREDIT SERVICES under Texas contract
law, but continue collection action which is a $1000 violation:


The
Debt Collector must offer proof of the debt as owed by providing
copies of the signed intrument  from the original
creditor. [redacted], FTC informal staff opinion letter, May
17, 1993. See [redacted]
(D.N.D. 1980); [redacted] cIR. 1991);
[redacted]
(4thCir
1991), et seq.



So,  REGIONAL CREDIT SERVICES"
violation of continuing collection activity and no proof that I was
served with my "Mini-Mirandi" rights, neither shown to the
Revdex.com or me, I will go forward with my legal action, as well as turn
this over to the proper governmental agencies and [redacted], NATIONAL FDCPA/FCRA ATTORNEY AT LAW if not immediatelly removed.Also, they have dates stated wrong, 2018 haven't even arrived as of yet and further more while checking with the Texas Secretary of State, they are not properly bonded in the state of Texas to collect upon any alleged debt for that matter - another violation in Texas, which allows treble damages.
Sincerely,
[redacted]

I'm responding to the letter I received on 1/2/17.  The complaint was assigned ID of [redacted].We are a third party collection agency and [redacted] is our client.I have read the notes we have on Ms. [redacted]'s account that was listed with us.  We were unsuccessful at reaching...

Ms. [redacted] concerning this debt in the past, however there were several attempts made.  We received the account in our office on 8/5/15.  The first notice went in the mail on 8/7/15 addressed:  [redacted].  We received a report from [redacted], our letter scrub service, the same day with an updated address of:  [redacted].  The first notice was re-sent, however we received it back in our office as Mail Return.  On 8/31/15 we attempted to reach Ms. [redacted] by phone, but there was no answer.  On 12/28/18 we received a dispute from Ms. [redacted] via [redacted].  We updated her account in our system as being disputed which will generate a request to the credit bureaus to update their records as well.  We also updated her address to reflect the same as the address we received from her through  the [redacted] dispute:  [redacted].  We contacted the original creditor, [redacted], for the details of the account.  We received the details of the account to the address we received from the consumer through [redacted].  We have met all obligations to produce validation to the consumer as well as updating the account as being disputed.  Please let me know anything else I can do to help resolve this matter.

See attached.