Sauer's Milford Marathon

See attached letter containing Progressive's response

To Whom It May Concern: I have been asked to respond to the above-referenced complaint filed by Mr***We received the complaint on/about March Mr*** alleges that Progressive is reporting information about him to the credit reporting agenciesHe states that he does not know
what the debt is about and that he filed a complaint with Progressive regarding the reporting, but the negative trade line has not been removedPromptly upon receipt, we located the relevant accountThe account was placed with Progressive in December After sending the consumer notice of the placement of the debt with Progressive and calling the consumer and leaving messages for a call back, we eventually placed a negative trade line on the consumer’s credit report, as is required under our contract with Cox CommunicationPer records that we have access to regarding the account, we show no communication with this consumer, so we do not know what he is referring to when he states that he “filed a formal complaint with the company.” This Revdex.com complaint is the first time we have had any communication from the consumerWe have treated the Revdex.com complaint as a “dispute” and accordingly, we have taken steps to notify the credit bureaus that the trade line should be marked as “disputed.” Although that request has been placed on the file, we have no control over how promptly the bureaus update the informationFurthermore, we also are treating the Revdex.com complaint as a request for information about the underlying debt that is owed to Cox CommunicationVerification of debt(VOD) documentation is being mailed to Mr*** separately. The account is currently in a temporary VOD hold; once he receives the VOD and has had a chance to review the materials, he can contact our office and speak to one of our agents whocan assist him in resolving the balance or answering any other questions he might havePlease let me know if I can be of any further assistance

See attached letter and several attachments. If the Revdex.com wishes to see all the attachments that are referenced in Progressive's attached response to the CFPB on 1.3.17, Mr*** can provide those to you. Since they have sensitive data, they are PW protected, but he knows what the PW is
to open them. Otherwise, we can send them to the Revdex.com via e-mail
*** Progressive tried to send all the relevant information, but the Revdex.com response mechanism did not permit the additional information that Progressive attempted to attach.***

To Whom It May Concern:I have been asked to respond to the above-referenced complaint regarding Mr*** We received the documentation on/about June Mr*** states that he wants his employer to be provided with an updated amount/balance due on a debt that we have in our
office He requests that this information be provided so that his ongoing administrative wage garnishment (“AWG”) will be promptly terminated once his balance has been paidI apologize that this response is a day or so tardy I waited as long as I did so that I could hopefully provide Mr*** some positive response.Here is what we can determine from the information that is available to Progressive: The obligation at issue here involves defaulted student loan/loans that are being held by our client, the U.SDepartment of Education (“ED”) When voluntary arrangements were not set up, ED initiated AWG with the consumer’s employerIn the course of the garnishment, there was also an offset against the consumer’s federal benefit payment that significantly reduced the balance owed on the account.At about that time, Mr*** started calling our staff so that his employer could be advised of the updated balance; he didn’t want the AWG to continue to take money beyond what was actually owedAt some point, the consumer’s employer information was changed or updated, and according to our requirements on the account, we provided that updated information to EDFor reasons we simply cannot discern, ED’s system has not captured and updated the updated employer informationConsequently, each time Progressive requested that the employer be provided with a new letter advising of the updated balance, the letter from ED went to the former employerAs of yesterday, that was still the caseWe are showing several letters that Progressive requested having been sent by ED to the former employer.Mr***’s balance is nearly resolved, and assuming there is no additional amounts added to the balance by ED, we anticipate that in fact, within a very short period of time, he will have satisfied the balance on the accountYesterday our staff obtained a secured fax number from Mr***’s current employerWhile only ED can issue an updated balance notice to the consumer’s current employer, Progressive can, on behalf of ED, notify the employer than an AWG is to be terminated or suspended due to circumstances on the account (such as satisfaction of the balance) Our AWG unit has this account flagged so that when the balance goes to zero, Progressive can immediately fax to his new employer a request to suspend/terminate the AWG Once that request is processed by his current employer, there should be no further garnishment deductions. 2We apologize that Mr***’s reasonable request to have his employer notified of an updated balance has been so difficult to accomplish Our staff consistently has been responsive to his requests, but ED’s system issues caused delays that, unfortunately, Progressive was unable to resolve We appreciate Mr***’s diligence and patience in following up with Progressive.Please let me know if I can be of further assistance.Sincerely,*** ** ***, EsqCorporate Counsel

See attached response

June Conciliation & Engagement Specialist Revdex.com of Central/Northern Arizona N12th Street Phoenix, AZ Writer’s Direct Line: *** Writer’s Direct Fax Line: *** e-mail: ***
*** *** * *** *** *** *** *** *** *** To Whom It May Concern: I have been asked to respond to follow up comments from Mr*** following Progressive’s initial response to the complaintIn a nutshell, Progressive advised that *** had placed the account in error with Progressive and that the account was subsequently closed and recalled following our investigation into his Revdex.com complaint. Now Mr*** states that he wants an apology from *** CommunicationsHe implies that our response is not credible because “*** Communication and C** [are] giving me a different story.” As we stated in our initial response, “Progressive regrets that *** both placed the account with Progressive in error and that one of its reps gave this consumer misinformation that caused the consumer to be concerned about possible fraudulent activity by Progressive.” Our collection efforts prior to being informed of the error were appropriate and measuredWe promptly stopped all activity on the account when the complaint arrived and terminated such efforts altogether once *** informed us of the error and recalled the accountIf the consumer wants an additional apology from *** Communication for its error in placing the account with Progressive, he will need to reach out to *** Communications directly and make that requestWe are unable to assist any further on that front Please let me know if I can be of further assistance Sincerely, /s/ Barbara AH***, Esq

We prepared a response on March 2017, but apparently failed to upload it to the complaint site. My apologies for the tardiness. VOD was sent to the consumer on

I am disputing all the accountsSo not sure why y'all haven't sent back the other accountsI am not paying for accounts until I see proof that these are real accountsWhy is that so hard to verify a debt? When I say I am disputing the debt they give me that same email every single timePlease cease on contacting me thanks

I have been asked to respond to the above-referenced complaint regarding Mr***We received the complaint on/about June Mr*** is disputing two collection notices he received regarding a City of Philadelphia obligation and asked for documentation regarding the details of the alleged
obligations.Promptly upon receipt of the complaint, Progressive located the relevant accounts Our staff placed the accounts in a verification of debt (“VOD”) hold and requested account detail and documentation from our client to share with Mr*** Those materials were secured and were mailed out to the consumer on June Once he has had a chance to review them, we encourage him to contact our office to discuss the accounts and answer any further questions he may haveThe account will remain in a VOD hold for a few more days to allow that review and follow up to take place.We found no issues on the account review as to how the account had been workedPlease let me know if I can be of further assistance

Progressive's response is attached

This consumer filed an identical complaint with the CFPB. Today, we submitted the attached response. Please accept this as our response to the consumer's Revdex.com complaint as well. Thank you

*** *** Barnaby STSEWashington, DC 20032Progressive Financial Services Attention: Barbara AH*** *** ** *** ***Tempe, AZ 85285RE: Response to Revdex.com Complaint #***/ Acct.#***Dear MsH***,Thank you for your timely responseI never stated in my validation letter that have not done business with *** ***s but that I never done business with your company directly (see attachment) as your company is the one who is reporting on my credit report not *** ***sAnd after two requests I am just now receiving a VOD packet from your company to one of my residences in which I received on June 27th .I also never received any correspondence dated June 17th regarding how to go about filing a fraud claim with *** ***sIn fact the VOD packet I just received dated 06-23-(see attachment) stated that your company will be mailing me a claim form since you could not provide me with the original agreement between me and the creditor in which I request in my validation letterAfter thoroughly reviewing the VOD packet which consisted of screen shots of the account activity from *** *** systems it does not validate that I owe your agency directly the debt in which you are reporting on my credit reportI was expecting to receive official proof of documentation from *** ***s that they had personally assigned this account to your agency for paymentI've contacted *** ***s again on January 29th (twice) in reference to this account, and their Billing & Finance Deptboth times have stated that this account was written-off on 12/24/and the account reflects a $balanceAnd as you can see in the document your company sent me (see attachment) which is the very last statement in the VOD packet it states the very same thing that *** ***s had discuss with me*** ***s did state that your agency is of agencies they do work withHowever, this account during its collection period was assigned to another collection agency in which *** agreed at my request to send me a copy of all statements regarding this account and proof of the agency they had assigned to this account during that timeAnother thing that stood out was the timeline from when the account was closed by *** and the time you stated MsH*** that your agency was assigned the account which was months after *** closed the accountIn which leaves more questions regarding this account with your company.I am once again for the last time demanding for this account to be resolved and removed immediately from all three credit bureaus or I will proceed with next step according to state and federal lawAs the VOD packet your company sent does not state or validate proof of documentation from *** ***s that they assigned this account over to your agency directly to collect on their behalfFurthermore, the documents you provided in your VOD packet clearly shows the account statement reporting as a current balance of $with *** ***s.I respectfully look forward in response in resolving this matter quickly and not letting it proceed further in legal matters then what it needs to be.Thank you! Miss***

To Whom It May Concern: I have been asked to respond to the above-referenced complaint filed by Ms***We received the complaint on/about May Ms*** is upset because she has not been able to get Progressive to return her phone callsPromptly upon receipt we located the relevant
accountUnfortunately, the following verbiage is what we are permitted to share with this consumer: Due to a pending legal matter involving the servicing of Department of Education accounts that are currently assigned to our office, the Department of Education has restricted us from servicing the account about which you wrotePlease accept our apologiesYou may contact the Department of Education with further questions at *** .Again, we are sorry for the inconvenience caused by this current situationWe hope that the personnel at the Department of Education can assist herIf there is anything else you need from us, do not hesitate to reach out to me

Their claim is not correctI have several calls from this company from different phone numbersThey are listing only one number in their replyI have messages on my answering machine from themI do get mail for an Elizabeth Olson but one does not live here at this addressI have been having issue with this problem since moving in years agoI have to keep changing my phone number because of this issue alsoTheir trace of this person is wrong

To Whom It May Concern:I have been asked to respond to the above-referenced complaint regarding *** ***Wereceived the complaint on/about August *** *** complained that the verification of debtthat was provided was insufficient and he denied being the person who received the
services from ourclient, *** ***He was also concerned about being credit reported for a debt he deniesbelongs to him.Promptly upon receipt of the complaint, Progressive located the relevant account belonging tothis consumerWe communicated his concerns to our client and they requested that we send theconsumer a “fraud packet” and then close and return the account to themThat has been doneTheenclosed document was sent to *** *** under separate cover todayAs can be seen, he has beenprovided the fraud documentation that *** *** has asked him to completeIn addition, ourstaff confirmed that there no longer is any negative trade line information on his credit report regardingthis accountReports from all three major credit reporting agencies were provided to *** *** todayas well.Please let me know if I can be of further assistance