Hello, On 11/3/Second Round mailed Mrs [redacted] acknowledgement of her dispute along with documents supporting our claims to the addressed provided by her 10/27/If this address is incorrect please ask her to contact usOur number is [redacted] We have updated her credit bureau as disputed
Second Round is in receipt of the complaint by Mrs [redacted] regarding her [redacted] Bank/ [redacted] Credit Card account ending We have thoroughly investigated the matterSecond Round purchased this debt from [redacted] Bank on 9/29/We placed the account with our administrator, *** Asset Management, on 10/10/On 1/19/2017, Second Round received an eOscar dispute through T [redacted] from Mrs [redacted] In accordance with the FCRA, on 1/20/(within days of receiving the dispute) we submitted a Dispute marking to the credit reporting agencies that Second Round reports to (T [redacted] & Experian) and we mailed out original account level documentation to her which we received directly from [redacted] BankThe documents mailed to Mrs [redacted] , at her address at [redacted] ***, Pittsburgh, PA 15218, included the charge off statement (charge off date: 8/25/15), last payment statement (last payment made on 3/25/for $300), billing statements, terms & conditions (contract) as well as proof that Second Round is now the current creditor (bill of sale from GE to Second Round)We also pulled the credit reports to confirm that both now reflect the Dispute marking we submitted in January The supporting documentation provided to the consumer, thoroughly explains the origin of this debtWe are more than willing to work with Mrs [redacted] to resolve this matter in hopes of reaching a resolution that allows us to update her credit reports as PAID IN FULL or SATISFIED AS AGREEDTell us why here
Second Round is in receipt of Mr [redacted] s 2nd rejected responseWe have complied with the FDCPA and the NYSDFS requirements under the law; however, if Mr [redacted] is not interested in resolving a debt that he was making payment on as recently as April 17, 2015, then Second Round will extinguish the debt and submit a trade line deletion to the credit reporting agenciesMr [redacted] should understand that Second Round is not responsible for ensuring that the credit reporting agencies honor its request and will not be liable should its request not be honored However, if the deletion request is not honored and Second Round receives, in the future, an inquiry from a credit reporting agency concerning the debt, it will confirm in response to that inquiry that the trade line should have been deletedTell us why here
Tell us why hereHello,We have updated the credit reporting agencies we report to as disputed, this was done upon her initial disputeWe also sent her an acknowledgment of her disputeWe have reviewed [redacted] ***’s documents and found she reaffirmed this debt, she continued to pay after the discharge dateI have enclosed a copy for her reviewWe sent such documentation to her previously but we are happy to send again
Second Round is in receipt of the complaint by 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 industrySecond Round did in fact purchase this account from [redacted] ***The account was placed on Ms***’s credit report for a balance due of We have no record of her resolving this with [redacted] We will check our servicers phone logs to determine the frequency of any calls made to Mrs [redacted] , and to see if there any made after 9:00pmIf Mrs [redacted] has any documentation (proof of payment ) to assist us in our investigation we would be happy to reviewWe will update her credit bureau to dispute, but we will continue reporting
Complaint: [redacted] I am rejecting this response because: Second Round's own words demonstrate the falsity of their claim to have met the statutory requirements for debt validationSigned contract/application, ORa copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor - No contract or application was provided The statements they claim satisfy this requirement were not original documents but 'computer generated documents created after the date of default' which multiple courts have explicitly stated do not satisfy this requirement Additionally, no evidence that such documents were ever provided to me while the account was active has been providedCharge Off statement - This was sent, although not within the day window allowed under the FDCPAComplete chain of title - This is never been provided As explained in my letters to Second Round, my original complaint and my response to their response to my complaint the document they claim fulfills this requirement is a cover letter to a bulk sale of debts which does not mention my name, this account or any other information that would indicate that this debt either belongs to me or was transferred to Second Round4.Records reflecting the amount and date of any prior settlement agreement reached in connection with the debt - No such documents have ever been provided to meRegards, [redacted]
Hello, The June of date on the credit report is the date Second Round purchased this account The Chain of Title is Santander to Cascade, to Crown, Crown to Second RoundWe can provide the actual chain of title if you would like to review
Complaint: [redacted] I am rejecting this response because:You are a collection agency and regardless of when or if you purchased the account it can not be reported on any CBA years after the account fell in to original defaultWhat was the date of original default? I have requested this over and over.Also I never received any validation, a statement from you of a purchase is not validation.You will need to provide per Fields vsWilber Law Firm, F.3d (7th Cir2004) at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a response to debt validation requestAdditional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor.In Addition the SOL has expired on this account due to the date of original default.I believe this account was fraud HSBC had sent this account to an ATTYto sue and was unable sue due to lack of evidence that ATTY then dismissed the caseIf an ATTY could not sue for it due to lack of evidence then you can not report or attempt to collect.The purchase of old debt and reporting it on CBA incorrectly after the original default is clear violation of the Fair Credit Reporting Act 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 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 the complaint, we have determined Second Round reported accurately to the credit bureauMs [redacted] received a letter from Synchrony Bank explaining the account was sold to Second Round and Second Round sent Ms [redacted] notification her account was sold to them 10/4/to [redacted] ***Second Round responded to Ms***’s dispute dated 6/5/with account level detail and billing statementsSecond Round has placed this account on our Cease and Desist list, but we intend to continue reporting her account to the credit bureau (Experian, Trans Union)
Complaint: [redacted] I am rejecting this response because: The letter that this company is referencing that they sent back in was a letter acknowledging my dispute and in return asking me for my personal information in order to complete the disputeThis company to date has not provided me with a legal proof that the alleged debt does indeed belong to me which is a clear violation of the the FDCPAThis company has been unable to provide validation of this debt and because of this, this account was deleted from my Equifax credit file but remain (Experian and TransUnion)How is this possible when they cannot and have not to date, provided any debt validation? I did not ask for them to provide a statement on my credit file that I disputed the accountI am asking the account to be removed for lack of validity of ownershipRegards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Complaint: ***
I am rejecting this response because:The dates on the account are not consistent with that of the original account, nor or the amountsFurthermore, the account should not display twice in my credit report as it doesI attempted to contact crown management twice during business hours in which they have not answered or returned my messages I attempted to Contact them on the 1st and 2nd of NovemberI feel that the business is confusing and designed in a way to make it not possible to settle debt when I would like toI feel too that this balance is too old to act on and that credit collection processes are not being followedIt should not display on my credit report without first communicating with me and receiving a debt validation letter This balance and reporting need to be removed from my credit reporting
Regards,
*** ***
Second Round is in receipt of the complaint by Mr*** 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 industrySecond Round has sent Mr*** all documentation required by law, and has requested additional documentsUpon receipt we will send him the documents
Complaint: ***
I am rejecting this response because:
Regards,
*** *** I have tried to contact every time I have called the one I need to talk to is not there is the response I get every time
Complaint: ***
I am rejecting this response because:
Regards,I would like to receive proof of date of last activity on my end Also if that is the case, then this debt should reflect that date, not The original creditor Santander-reports it's and still reports it has a debt that was discharged through bankruptcy So this looks like a new debt.
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Mr*** will need to discuss this matter with our attorney. They will discuss this matter with himI will let them know they will be hearing from him and to negotiate a settlement with him
Mrs***, we are going to request our servicer provider delete the series of payments you voluntarily submitted through our portal100% of our calls are recorded and we have the recordings of the calls you madeOur representatives were professional and courteousOur representative at no time did anything that would risk the reputation of our company or our good standingAt this time we consider this matter closedIf at some point you would like to work this out please contact our office, again all of our calls are recorded
Hello, On 11/3/Second Round mailed Mrs [redacted] acknowledgement of her dispute along with documents supporting our claims to the addressed provided by her 10/27/If this address is incorrect please ask her to contact usOur number is [redacted] We have updated her credit bureau as disputed
Second Round is in receipt of the complaint by Mrs [redacted] regarding her [redacted] Bank/ [redacted] Credit Card account ending We have thoroughly investigated the matterSecond Round purchased this debt from [redacted] Bank on 9/29/We placed the account with our administrator, *** Asset Management, on 10/10/On 1/19/2017, Second Round received an eOscar dispute through T [redacted] from Mrs [redacted] In accordance with the FCRA, on 1/20/(within days of receiving the dispute) we submitted a Dispute marking to the credit reporting agencies that Second Round reports to (T [redacted] & Experian) and we mailed out original account level documentation to her which we received directly from [redacted] BankThe documents mailed to Mrs [redacted] , at her address at [redacted] ***, Pittsburgh, PA 15218, included the charge off statement (charge off date: 8/25/15), last payment statement (last payment made on 3/25/for $300), billing statements, terms & conditions (contract) as well as proof that Second Round is now the current creditor (bill of sale from GE to Second Round)We also pulled the credit reports to confirm that both now reflect the Dispute marking we submitted in January The supporting documentation provided to the consumer, thoroughly explains the origin of this debtWe are more than willing to work with Mrs [redacted] to resolve this matter in hopes of reaching a resolution that allows us to update her credit reports as PAID IN FULL or SATISFIED AS AGREEDTell us why here
Second Round is in receipt of Mr [redacted] s 2nd rejected responseWe have complied with the FDCPA and the NYSDFS requirements under the law; however, if Mr [redacted] is not interested in resolving a debt that he was making payment on as recently as April 17, 2015, then Second Round will extinguish the debt and submit a trade line deletion to the credit reporting agenciesMr [redacted] should understand that Second Round is not responsible for ensuring that the credit reporting agencies honor its request and will not be liable should its request not be honored However, if the deletion request is not honored and Second Round receives, in the future, an inquiry from a credit reporting agency concerning the debt, it will confirm in response to that inquiry that the trade line should have been deletedTell us why here
Tell us why hereHello,We have updated the credit reporting agencies we report to as disputed, this was done upon her initial disputeWe also sent her an acknowledgment of her disputeWe have reviewed [redacted] ***’s documents and found she reaffirmed this debt, she continued to pay after the discharge dateI have enclosed a copy for her reviewWe sent such documentation to her previously but we are happy to send again
Second Round is in receipt of the complaint by 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 industrySecond Round did in fact purchase this account from [redacted] ***The account was placed on Ms***’s credit report for a balance due of We have no record of her resolving this with [redacted] We will check our servicers phone logs to determine the frequency of any calls made to Mrs [redacted] , and to see if there any made after 9:00pmIf Mrs [redacted] has any documentation (proof of payment ) to assist us in our investigation we would be happy to reviewWe will update her credit bureau to dispute, but we will continue reporting
Complaint: [redacted] I am rejecting this response because: Second Round's own words demonstrate the falsity of their claim to have met the statutory requirements for debt validationSigned contract/application, ORa copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor - No contract or application was provided The statements they claim satisfy this requirement were not original documents but 'computer generated documents created after the date of default' which multiple courts have explicitly stated do not satisfy this requirement Additionally, no evidence that such documents were ever provided to me while the account was active has been providedCharge Off statement - This was sent, although not within the day window allowed under the FDCPAComplete chain of title - This is never been provided As explained in my letters to Second Round, my original complaint and my response to their response to my complaint the document they claim fulfills this requirement is a cover letter to a bulk sale of debts which does not mention my name, this account or any other information that would indicate that this debt either belongs to me or was transferred to Second Round4.Records reflecting the amount and date of any prior settlement agreement reached in connection with the debt - No such documents have ever been provided to meRegards, [redacted]
Hello, The June of date on the credit report is the date Second Round purchased this account The Chain of Title is Santander to Cascade, to Crown, Crown to Second RoundWe can provide the actual chain of title if you would like to review
Complaint: [redacted] I am rejecting this response because:You are a collection agency and regardless of when or if you purchased the account it can not be reported on any CBA years after the account fell in to original defaultWhat was the date of original default? I have requested this over and over.Also I never received any validation, a statement from you of a purchase is not validation.You will need to provide per Fields vsWilber Law Firm, F.3d (7th Cir2004) at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a response to debt validation requestAdditional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor.In Addition the SOL has expired on this account due to the date of original default.I believe this account was fraud HSBC had sent this account to an ATTYto sue and was unable sue due to lack of evidence that ATTY then dismissed the caseIf an ATTY could not sue for it due to lack of evidence then you can not report or attempt to collect.The purchase of old debt and reporting it on CBA incorrectly after the original default is clear violation of the Fair Credit Reporting Act 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 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 the complaint, we have determined Second Round reported accurately to the credit bureauMs [redacted] received a letter from Synchrony Bank explaining the account was sold to Second Round and Second Round sent Ms [redacted] notification her account was sold to them 10/4/to [redacted] ***Second Round responded to Ms***’s dispute dated 6/5/with account level detail and billing statementsSecond Round has placed this account on our Cease and Desist list, but we intend to continue reporting her account to the credit bureau (Experian, Trans Union)
Complaint: [redacted] I am rejecting this response because: Regards, *** ***
Complaint: [redacted] I am rejecting this response because: The letter that this company is referencing that they sent back in was a letter acknowledging my dispute and in return asking me for my personal information in order to complete the disputeThis company to date has not provided me with a legal proof that the alleged debt does indeed belong to me which is a clear violation of the the FDCPAThis company has been unable to provide validation of this debt and because of this, this account was deleted from my Equifax credit file but remain (Experian and TransUnion)How is this possible when they cannot and have not to date, provided any debt validation? I did not ask for them to provide a statement on my credit file that I disputed the accountI am asking the account to be removed for lack of validity of ownershipRegards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Complaint: ***
I am rejecting this response because:The dates on the account are not consistent with that of the original account, nor or the amountsFurthermore, the account should not display twice in my credit report as it doesI attempted to contact crown management twice during business hours in which they have not answered or returned my messages I attempted to Contact them on the 1st and 2nd of NovemberI feel that the business is confusing and designed in a way to make it not possible to settle debt when I would like toI feel too that this balance is too old to act on and that credit collection processes are not being followedIt should not display on my credit report without first communicating with me and receiving a debt validation letter This balance and reporting need to be removed from my credit reporting
Regards,
*** ***
Second Round is in receipt of the complaint by Mr*** 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 industrySecond Round has sent Mr*** all documentation required by law, and has requested additional documentsUpon receipt we will send him the documents
Complaint: ***
I am rejecting this response because:
Regards,
*** *** I have tried to contact every time I have called the one I need to talk to is not there is the response I get every time
Complaint: ***
I am rejecting this response because:
Regards,I would like to receive proof of date of last activity on my end Also if that is the case, then this debt should reflect that date, not The original creditor Santander-reports it's and still reports it has a debt that was discharged through bankruptcy So this looks like a new debt.
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Mr*** will need to discuss this matter with our attorney. They will discuss this matter with himI will let them know they will be hearing from him and to negotiate a settlement with him
Mrs***, we are going to request our servicer provider delete the series of payments you voluntarily submitted through our portal100% of our calls are recorded and we have the recordings of the calls you madeOur representatives were professional and courteousOur representative at no time did anything that would risk the reputation of our company or our good standingAt this time we consider this matter closedIf at some point you would like to work this out please contact our office, again all of our calls are recorded