Tell us why hereSecond Round LP is in receipt of complaint by Ms [redacted] and we are investigating the matterSecond Round LP takes pride in the fact we treat all consumers with respect and dignityOur staff is well trained and has a strong commitment to customer serviceWe take every consumer communication as an opportunity to build bridges and provide real solutionsSecond Round LP staff members are responsible for assuring each consumer interaction is positive and constructiveWe work diligently daily to apply and live by all regulatory rules and laws that govern our industry.After reviewing this account our records indicate our servicer sent Ms [redacted] debt validation documents on May 11, They were sent to [redacted] ***If Ms [redacted] has any questions regarding the information she received she is more than welcome to contact our office
Complaint: [redacted] I am rejecting this response because: Again, I never accepted automatic paymentsWe have a contract that is still legally enact for me to pay off this debtWe all know that they were rude and that even in the phone call after I made my payment that you harassed me about they asked me if I wanted to set up automatic payments and I said noIf I had agreed online then they would not have asked me this questionI will continue to make my payments until our settlement agreement has been paidYou are not authorized to contact me by phone againagain, I will continue to pay the agreed amountI have never had any issue doing this, but your lies and rude behavior to someone trying to do the right thing are unacceptable Regards, [redacted]
After further review of our records we show repeated claimsof fraud and identity theftWhile there has never been any conclusivedocumentation to support these claims Second Round will not pursue litigation.We will dismiss the suit and close this accountWe do however maintain theright to continue reporting to the credit bureau as disputed until suchdocumentation is providedAt that point we will delete our trade line and retirethis account
Complaint: [redacted] I am rejecting this response because: I was never notified of any of these businesses or ever given a notice of debt collectionsSo we just keep selling the account to keep I active? Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: Second Round LP continues to violate my the Truth in Lending Act, Fair Credit Billing Act, Fair and Credit Report Act.THIS DEBT BEING REPORTING TO THE CREDIT BUREAUS IS NOT MINE.I demand Second Round LP:1) Provide the actual credit card contract collecting debt for.2) Provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the State Laws that the agreement and account are governed plus other facts.3) Provide an itemized account of all transactions and receipts4) Provide copies of the amount paid and/or the consideration due for the alleged contract/account.5) Provide evidence of authorization of Second Round LP to do business, collect debts and/or operate in the Texas.6) Provide any and all notices sent in regards to this account demanding payment.7) Provide copies of all statements generated while this alleged account was open.8) Provide a complete and accurate history of the interest charged on this alleged accountShow the exact dates those interest rates changed and list the various rates that were charged during this debt and the exact method of amortization.9) Provide the original dunning letter that was sent.10) Provide all notices sent to in regards to account announcing transfer and/or assignment of credit card account from [redacted] to Second Round LP11) Provide copy of agreement with [redacted] that grants Second Round LP the authority to collect this alleged debt.Let this serve as your day notice to provide debt validation Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Second Round is in receipt of the complaint by Mrs [redacted] regarding her Synchrony/Rooms to Go account ending We have investigated her claim and in reviewing our system of record, Second Round has never made any phone calls to this consumerWe assigned this to our servicer for collection effortsShe also mentions that someone came to her home last FridayOur servicer has initiated action against Mrs [redacted] and a process server was hired to serve the complaint to herSecond Round purchased this account from Synchrony Bank on 3/18/and we did begin reporting to the credit bureausOn or about 10/12/and 10/30/15, we received eOscar disputes from Mrs [redacted] and we updated her credit bureaus to reflect ‘Disputed’We have reached out to Synchrony to research Mrs [redacted] ’s claim regarding the disability insurance and are awaiting their responseThe matter has been placed On Hold with our servicers until we receive further information from Synchrony
Second Round is in receipt of the Revdex.com complaint from [redacted] and has investigated this matterOn 1/24/2013, Second Round purchased the consumers HSBC Consumer Lending account ending in from HSBCThis account was originated on 6/22/2005, however the date on the credit bureau under Second Round’s trade line will reflect the date the account was purchased and Second Round began reporting, 1/On 1/31/Second Round sent a validation letter to Mr [redacted] via mail to an address that was on file at that time in [redacted] **Second Round received no correspondence from Mr [redacted] and attempts to contact him by phone were unsuccessfulOn 8/22/Second Round received a notification via [redacted] regarding Mr [redacted] ’s dispute, his account was updated accordingly in our system of record and the credit bureaus were updated to report the account as disputed There has been no other collection activity on Mr [redacted] ’s account since that timeDue to being notified of this complaint, Second Round will resend a validation letter to the address providedMr [redacted] may feel free to contact us directly with any further questions or concernsHe can reach our compliance department at [redacted] or [redacted] Tell us why here
Complaint: [redacted] I am rejecting this response because the item is still on my credit report and has adversely affected me recentlyThis is not reaching my acceptable resolution, please read original message Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:Second Round LP is deceptive in their collection practicesThey ( per [redacted] Synchrony Bank Executive offices) has verbally told me Second Round has no standing with Synchrony BankThey ( Second Round ) retained a debt buyer attorney Ragan & Ragan in New Jersey to pursue this debtSecond Round , LP bought a portfolio of over accounts for approximately $18,Upon my research and demand for disclosure from Second Round did I find this information outI contacted Second Round , LP in August of and they failed to respond to meI contacted them via certified mailI have provided all of this information in my FTC complaint , my complaint to the Consumer Financial Protection BureauThe CEO of Second Round was faxed a copy of both of these complaintsThis company has many, many complaints from consumersIn my case they have been nothing short of deceptive , have not followed the consumer Fair Credit Reporting Act ( FCRA)It is offensive that they even portend to follow ethical practiceMy expectation is they immediately remove the Experian reporting and cease from contacting meIf they have a legal team , word to the wise to contact Synchrony Bank as Second Round in no way , shape or form represents themMy expectation is they remove - not dispute the credit item ASAPI will vigorously pursue this as this company is not ethical Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I was able to reach the collector and make a payment arrangement Regards, [redacted]
Second Round is in receipt of Mr [redacted] s rejected response and we are within compliance of NYSDFS and the FDCPANYSDFS allows a debt collector to provide a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor if the signed contract/application is not availableAccording to NYSDFS, Substantiation of a charged off debt includes: Signed contract/application, OR a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtorCharge Off statementComplete chain of titleRecords reflecting the amount and date of any prior settlement agreement reached in connection with the debt All of the required validation documents were included within the correspondence we sent to Mr [redacted] dated 9/7/
Complaint: [redacted] I am rejecting this response because: That is not my residenceThat is my old residence and mail was returned for that reason, that is where my children leave I do notTherefore if mail was returned then actual letters to me were less then the ones specified being I did not receive all of themTherefore I'm willing to negotiate a settlement or payment arrangement but I need for the civil suit to be dropped and negotiations to be made within usI made several attempts to reach Santander for settlement and they did not acceptI can request phone records to show those calls from the past and I can surely furnish the proof showing the calls I made to second roundThis civil suit needs to be dropped on the grounds that SUCCESFUL letters reached to me where done and several attempts to settle were doneIf I did not receive letters I was not aware of the matter therefore I feel there should be one last and final attempt to solve this matter out of court Regards, [redacted]
Second Round LP is in receipt of complaint by *** [redacted] andwe are investigating the matterSecond Round LP takes pride in the fact wetreat all consumers with respect and dignityOur staff is well trained and hasa strong commitment to customer serviceWe take every consumer communicationas an opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe work diligently daily to apply and live by allregulatory rules and laws that govern our industry.We are reviewing your claim and we are providing you statementsfor your recordsWe are also going to contact the original creditor to see ifthey can provide documentation around the returned itemsWe have on recordsyour requests to have our company investigate identity theft but received nodocuments If you have any fraud affidavits, policereports, or identify theft documents please forward so that we may quicklyresolve this issue
Second Round LP is in receipt of complaint by [redacted] s and weare investigating the matterSecond Round LP takes pride in the fact we treatall consumers with respect and dignityOur staff is well trained and has astrong commitment to customer serviceWe take every consumer communication asan opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe work diligently daily to apply and live by allregulatory rules and laws that govern our industryAfter reviewing the callsand notes from our servicer we have decided to close this account and delete itfrom the credit bureauWe have asked our servicer to provide proof they haveproper controls to assure all required verifications take placeThe account in question is for a checking accountBecause ofthe age of the account we are willing to close the accountAny adverse informationthat may have appeared on [redacted] s credit report will be removedSecondRound Sub is owned by Second Round, LP which is licensed as a collection agencyin the state of Florida
Second Round is in receipt of the complaint by Ms [redacted] and we are investigating the matterSecond Round LP takes pride in the fact we treat all consumers with respect and dignityOur staff is well trained and has a strong commitment to customer serviceWe take every consumer communication as an opportunity to build bridges and provide real solutionsSecond Round LP staff members are responsible for assuring each consumer interaction is positive and constructiveWe work diligently daily to apply and live by all regulatory rules and laws that govern our industryAfter reviewing Ms [redacted] ’ account, we have determined Second Round received a dispute regarding this account on 4/11/and Second Round updated its trade line to report as disputed at that timeSecond Round responded to Ms [redacted] ’ dispute via mail at [redacted] ***, which was the address on file at that time Ms [redacted] was provided account level detail and billing statementsSecond Round complied with all applicable laws regarding the dispute and intends to continue reporting her account to the credit bureaus (Experian and TransUnion) We would be happy to work with Ms [redacted] to resolve this matter welcome her to contact us directly should she have any further concerns
Tell us why hereSecond Round LP is in receipt of complaint by Ms [redacted] and we are investigating the matterSecond Round LP takes pride in the fact we treat all consumers with respect and dignityOur staff is well trained and has a strong commitment to customer serviceWe take every consumer communication as an opportunity to build bridges and provide real solutionsSecond Round LP staff members are responsible for assuring each consumer interaction is positive and constructiveWe work diligently daily to apply and live by all regulatory rules and laws that govern our industry.After reviewing this account our records indicate our servicer sent Ms [redacted] debt validation documents on May 11, They were sent to [redacted] ***If Ms [redacted] has any questions regarding the information she received she is more than welcome to contact our office
Complaint: [redacted] I am rejecting this response because: Regards, [redacted]
I believe this is what your looking for
Complaint: [redacted] I am rejecting this response because: Again, I never accepted automatic paymentsWe have a contract that is still legally enact for me to pay off this debtWe all know that they were rude and that even in the phone call after I made my payment that you harassed me about they asked me if I wanted to set up automatic payments and I said noIf I had agreed online then they would not have asked me this questionI will continue to make my payments until our settlement agreement has been paidYou are not authorized to contact me by phone againagain, I will continue to pay the agreed amountI have never had any issue doing this, but your lies and rude behavior to someone trying to do the right thing are unacceptable Regards, [redacted]
After further review of our records we show repeated claimsof fraud and identity theftWhile there has never been any conclusivedocumentation to support these claims Second Round will not pursue litigation.We will dismiss the suit and close this accountWe do however maintain theright to continue reporting to the credit bureau as disputed until suchdocumentation is providedAt that point we will delete our trade line and retirethis account
Complaint: [redacted] I am rejecting this response because: I was never notified of any of these businesses or ever given a notice of debt collectionsSo we just keep selling the account to keep I active? Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: Everything that was stated in that email is a flat out lie! Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: Second Round LP continues to violate my the Truth in Lending Act, Fair Credit Billing Act, Fair and Credit Report Act.THIS DEBT BEING REPORTING TO THE CREDIT BUREAUS IS NOT MINE.I demand Second Round LP:1) Provide the actual credit card contract collecting debt for.2) Provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the State Laws that the agreement and account are governed plus other facts.3) Provide an itemized account of all transactions and receipts4) Provide copies of the amount paid and/or the consideration due for the alleged contract/account.5) Provide evidence of authorization of Second Round LP to do business, collect debts and/or operate in the Texas.6) Provide any and all notices sent in regards to this account demanding payment.7) Provide copies of all statements generated while this alleged account was open.8) Provide a complete and accurate history of the interest charged on this alleged accountShow the exact dates those interest rates changed and list the various rates that were charged during this debt and the exact method of amortization.9) Provide the original dunning letter that was sent.10) Provide all notices sent to in regards to account announcing transfer and/or assignment of credit card account from [redacted] to Second Round LP11) Provide copy of agreement with [redacted] that grants Second Round LP the authority to collect this alleged debt.Let this serve as your day notice to provide debt validation Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Second Round is in receipt of the complaint by Mrs [redacted] regarding her Synchrony/Rooms to Go account ending We have investigated her claim and in reviewing our system of record, Second Round has never made any phone calls to this consumerWe assigned this to our servicer for collection effortsShe also mentions that someone came to her home last FridayOur servicer has initiated action against Mrs [redacted] and a process server was hired to serve the complaint to herSecond Round purchased this account from Synchrony Bank on 3/18/and we did begin reporting to the credit bureausOn or about 10/12/and 10/30/15, we received eOscar disputes from Mrs [redacted] and we updated her credit bureaus to reflect ‘Disputed’We have reached out to Synchrony to research Mrs [redacted] ’s claim regarding the disability insurance and are awaiting their responseThe matter has been placed On Hold with our servicers until we receive further information from Synchrony
Second Round is in receipt of the Revdex.com complaint from [redacted] and has investigated this matterOn 1/24/2013, Second Round purchased the consumers HSBC Consumer Lending account ending in from HSBCThis account was originated on 6/22/2005, however the date on the credit bureau under Second Round’s trade line will reflect the date the account was purchased and Second Round began reporting, 1/On 1/31/Second Round sent a validation letter to Mr [redacted] via mail to an address that was on file at that time in [redacted] **Second Round received no correspondence from Mr [redacted] and attempts to contact him by phone were unsuccessfulOn 8/22/Second Round received a notification via [redacted] regarding Mr [redacted] ’s dispute, his account was updated accordingly in our system of record and the credit bureaus were updated to report the account as disputed There has been no other collection activity on Mr [redacted] ’s account since that timeDue to being notified of this complaint, Second Round will resend a validation letter to the address providedMr [redacted] may feel free to contact us directly with any further questions or concernsHe can reach our compliance department at [redacted] or [redacted] Tell us why here
Complaint: [redacted] I am rejecting this response because the item is still on my credit report and has adversely affected me recentlyThis is not reaching my acceptable resolution, please read original message Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:Second Round LP is deceptive in their collection practicesThey ( per [redacted] Synchrony Bank Executive offices) has verbally told me Second Round has no standing with Synchrony BankThey ( Second Round ) retained a debt buyer attorney Ragan & Ragan in New Jersey to pursue this debtSecond Round , LP bought a portfolio of over accounts for approximately $18,Upon my research and demand for disclosure from Second Round did I find this information outI contacted Second Round , LP in August of and they failed to respond to meI contacted them via certified mailI have provided all of this information in my FTC complaint , my complaint to the Consumer Financial Protection BureauThe CEO of Second Round was faxed a copy of both of these complaintsThis company has many, many complaints from consumersIn my case they have been nothing short of deceptive , have not followed the consumer Fair Credit Reporting Act ( FCRA)It is offensive that they even portend to follow ethical practiceMy expectation is they immediately remove the Experian reporting and cease from contacting meIf they have a legal team , word to the wise to contact Synchrony Bank as Second Round in no way , shape or form represents themMy expectation is they remove - not dispute the credit item ASAPI will vigorously pursue this as this company is not ethical Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I was able to reach the collector and make a payment arrangement Regards, [redacted]
Second Round will delete Mrs [redacted] trade lines
Second Round is in receipt of Mr [redacted] s rejected response and we are within compliance of NYSDFS and the FDCPANYSDFS allows a debt collector to provide a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor if the signed contract/application is not availableAccording to NYSDFS, Substantiation of a charged off debt includes: Signed contract/application, OR a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtorCharge Off statementComplete chain of titleRecords reflecting the amount and date of any prior settlement agreement reached in connection with the debt All of the required validation documents were included within the correspondence we sent to Mr [redacted] dated 9/7/
Complaint: [redacted] I am rejecting this response because: That is not my residenceThat is my old residence and mail was returned for that reason, that is where my children leave I do notTherefore if mail was returned then actual letters to me were less then the ones specified being I did not receive all of themTherefore I'm willing to negotiate a settlement or payment arrangement but I need for the civil suit to be dropped and negotiations to be made within usI made several attempts to reach Santander for settlement and they did not acceptI can request phone records to show those calls from the past and I can surely furnish the proof showing the calls I made to second roundThis civil suit needs to be dropped on the grounds that SUCCESFUL letters reached to me where done and several attempts to settle were doneIf I did not receive letters I was not aware of the matter therefore I feel there should be one last and final attempt to solve this matter out of court Regards, [redacted]
Second Round LP is in receipt of complaint by *** [redacted] andwe are investigating the matterSecond Round LP takes pride in the fact wetreat all consumers with respect and dignityOur staff is well trained and hasa strong commitment to customer serviceWe take every consumer communicationas an opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe work diligently daily to apply and live by allregulatory rules and laws that govern our industry.We are reviewing your claim and we are providing you statementsfor your recordsWe are also going to contact the original creditor to see ifthey can provide documentation around the returned itemsWe have on recordsyour requests to have our company investigate identity theft but received nodocuments If you have any fraud affidavits, policereports, or identify theft documents please forward so that we may quicklyresolve this issue
Second Round LP is in receipt of complaint by [redacted] s and weare investigating the matterSecond Round LP takes pride in the fact we treatall consumers with respect and dignityOur staff is well trained and has astrong commitment to customer serviceWe take every consumer communication asan opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe work diligently daily to apply and live by allregulatory rules and laws that govern our industryAfter reviewing the callsand notes from our servicer we have decided to close this account and delete itfrom the credit bureauWe have asked our servicer to provide proof they haveproper controls to assure all required verifications take placeThe account in question is for a checking accountBecause ofthe age of the account we are willing to close the accountAny adverse informationthat may have appeared on [redacted] s credit report will be removedSecondRound Sub is owned by Second Round, LP which is licensed as a collection agencyin the state of Florida
Second Round is in receipt of the complaint by Ms [redacted] and we are investigating the matterSecond Round LP takes pride in the fact we treat all consumers with respect and dignityOur staff is well trained and has a strong commitment to customer serviceWe take every consumer communication as an opportunity to build bridges and provide real solutionsSecond Round LP staff members are responsible for assuring each consumer interaction is positive and constructiveWe work diligently daily to apply and live by all regulatory rules and laws that govern our industryAfter reviewing Ms [redacted] ’ account, we have determined Second Round received a dispute regarding this account on 4/11/and Second Round updated its trade line to report as disputed at that timeSecond Round responded to Ms [redacted] ’ dispute via mail at [redacted] ***, which was the address on file at that time Ms [redacted] was provided account level detail and billing statementsSecond Round complied with all applicable laws regarding the dispute and intends to continue reporting her account to the credit bureaus (Experian and TransUnion) We would be happy to work with Ms [redacted] to resolve this matter welcome her to contact us directly should she have any further concerns