Complaint: ***
I am rejecting this response because:-----Original Message-----From: *** [mailto:***] Sent: Saturday, July 16, 4:PMTo: info Subject: Re: Revdex.com - You have a New Message from Revdex.com Regarding Complaint #*** I don't agree with their dates, it's stated a payment was received on the account and charged off days after a payment was made? That doesn't make any senseThey indicate they filed a suit, and then a supplied notice in person weeks later, how are you supposed to respond timely? What is the complaint number assigned? Again, I don't agree with the dates given.Regards,
*** ***
Second Round is in receipt of the complaint by Ms*** 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 recently discovered that we had not been receiving notifications from CFPB when a new complaint has been received; this resulted in a delayed response to Ms***’s complaintSecond Round has since responded to Ms***’s CFPB complaint
Hello,Mr*** was mailed a release of claim letter to theaddress we have on file, *** *** *** *** *** *** *** on August 3, If he has not received the letter, have him contactour office and ask for the Chief Compliance Officer and we will assist him
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 deleted it’s entry from Mr*** credit reports
Second Round is in receipt of the rejected Revdex.com response from *** ***Second Round purchased this Synchrony Bank account ending (Sam's Club Personal Credit) from Synchrony Bank on 5/25/Second Round is following the guidelines of the state and FCRA as it relates to credit reporting this debtWe have no knowledge as to whether the original creditor is credit reporting this debt as wellIn our previous response, we provided the contact number to the agency that is servicing this debt; it is also provided belowP&B Capital Group will be more than happy to assist *** *** with a resolution to this debtIn regards to the age of the debt, according to the information we received from the original creditor, the account was opened on 4/8/2012, the last payment date was 7/11/and the first default date was 8/29/Neither, New York nor Kentucky (addresses we have received for the consumer’s attorney and the consumer) have statute of limitations that are less than years; therefore, this debt is still considered collectible under the lawSecond Round also mailed out a validation letter to the Law Office of *** ** *** on 11/4/ P&B Capital Group and their contact number is ***Tell us why here
We are in receipt of Mr***'s complaintOur office has mailed him copies of the itemized statements for his reviewPlease have him to contact our office if he has any further questions
Complaint: ***
I am rejecting this response because:I have never entered into any type of contract with this company and have never received physical correspondence from them regarding this debt. No mailThey have never validated the debt with me before placing it on my credit report
Regards,
*** ***
Second Round is in receipt of the complaint by Mr*** *** and we have investigated the matterSecond Round LP takes pride in the fact we stay abreast of all local, state and federal compliance regulations, including requirements under the NYSDFSMr*** alleges that Second
Round did not adhere to the Validation Requirements required by lawThe account in question is from Synchrony Bank, account# ending (Amazon.com Store Card) which was charged off on or about 11/3/According to NYSDFS, the requirements for a charged off debt state that a debt collector must provide: The name of the original creditor An itemized accounting of the debt, including: a) the total amount of the debt due as of charge off, b) the total amount of interest accrued since charge off, c) the total amount of non-interest charges or fees accrued since charge off, d) the total amount of payments made on the debt since the charge off In addition, if the consumer is disputing the debt, a debt collector ‘…within days of receiving a request for substantiation of the debt… must cease collection of the debt until written substantiation has been provided to the consumer…’ According 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*** dated 9/7/We received additional faxes from Mr*** in response to our letter dated 9/7/We mailed out a letter dated 10/21/to inform Mr*** that we had concluded our investigation and informed him to contact us if we could be of further assistance
Mrs*** our servicer has forwarded a communication from you in which you state you do not have a permanent addressAre you giving Second Round authorization to email documents to you, and are you giving Second Round authorization to upload documents to you through the Revdex.com
Second Round is in receipt of the Revdex.com complaint from Mr*** ***As members of The Association of Credit and Collection Professionals (ACA International) as well as the Debt Buyers Association (DBA), we pride ourselves on staying compliant regarding ‘time-barred’ debtIn reviewing Mr
***’s account, his last payment to the original creditor was on 3/10/and the account was charged off 3/19/2013, respectivelyMr*** was served on 8/5/and suit was filed on 5/27/(Washington is a Served First state)In the State of Washington, the statute of limitations expires in years on written contractsTherefore, this suit is eligible for suit filing until 3/As for the 20-day summons that Mr*** received, we filed the suit on 5/27/in Thurston County Superior Court and the court handles the notifications to the defendantWe have updated our system of record and communicated to our servicer that Mr*** does not wish to be contacted regarding this matter any furtherTell us why here
Complaint: ***
I am rejecting this response because: Multiple statements made in the company's response a patently falseAs the can see in the documents they provided the supposed chain of title provided is, in fact, a cover letter for a bulk sale of debtsAs neither the 'Accounts Payable Agreement' nor the 'Notification File' were provided it is impossible to tell if the alleged debt was one of the ones included in the sale or what (if any) information regarding its current status, ownership or basis was includedAdditionally, New York City law regarding debt validation requires 'the signed contract or signed application that created the debt' which was not provided at any time
Regards,
*** ***
Second Round is in receipt of the complaint by Ms*** 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 industryMs***’s account is with a law firmThey are servicing the account on behalf of Second RoundIf Ms*** has trouble reaching the firm directly, she may contact Second Round and we will be happy to be of assistance with getting her in contact with the firm
Hello,Second Round purchased the debt from SYF and outsourced itfor recoveryMrs*** received a validation letter from our law firm on April8, We have also mailed the charge off statement, the last paymentstatement, and a letter acknowledging the dispute requesting additional
informationto aid in our investigationMrs***’s account has been updated to the creditbureau as disputed and is currently on hold
Second Round is in receipt of the Revdex.com complaint from *** *** (*** *** in our system of record)We take great pride in the quality & compliance training that we provide to our collection staffIn reviewing the calls, the collection agents were calm and courteous while seeking
ways to honor Mrs***’s request for a payment planThey were never rude nor did any Second Round collection agent yell at her during any of the conversationsAt times, they met resistance while attempting to verify that Mrs*** was the right party to discuss the debt with, as the law requiresWhen Mrs*** asked to speak to a manager on April 25, 2016, the collection agent informed her that the manager was on another call and could call her back; Mrs*** refused that optionShe also asked to speak to a manager on June 20, and was informed that the manager was not in at the time and she was given the phone number to the VP of RecoveryOn April 25, 2016, one of our collection agents was able to reach an agreement with Mrs*** to pay a total of $1,(39% of the balance) through monthly payments of $They set up one payment of $for that day and the rest could be called in to us or made through the online payment portalOn May 22, (Sunday), Mrs*** logged into our online payment portal and set up a $credit card payment as well as a series of monthly payments scheduled for $each month, through September 25, Our staff does not work on SundaysBased on this Revdex.com complaint, it appears that Mrs*** did not realize that she set up multiple recurring paymentsMrs*** was never told that she could not make a payment over the weekend, she was informed that she would need to make ‘postdated payments’ via checking account and not via credit card (this would have been a violation to Regulation E to allow the recurring postdated credit card payments)This was explained to Mrs*** when she agreed to the $monthly paymentsSecond Round would be more than happy to cancel all future payments that are scheduled through the online payment portal once we have Mrs***’s authorization to do soOtherwise, these payments are scheduled to process on a monthly basis until the final payment of $dated September 25,
Hello,Itemized statements are being mailed to youDo you have anything we can use to help us investigate your dispute, was it id theft, fraud? We want to help resolve but we need more information.Thanks
Second Round purchased this account from Synchrony Bank and through Second Round’s administrator placed it with Ragan LawSince the consumer is willing to work directly with Synchrony Bank to resolve this matter Second Round has recalled the account and will consider the matter closedSecond Round has also requested this be deleted from her credit bureau reports
Complaint: ***
I am rejecting this response because:Account level detail and billing information is not valid proof of a contractPlease send me a copy of a signed contract in regard to the alleged debtsWhere is the binding contract showing that I allegedly owe these debtsYour company is in violation of the Fair Credit Reporting Act because you are reporting innacuarate and invalid information on my credit reportsI demand that you remove all accounts from my credit report immediatelyYou are in violation of the Fair Debt Collection Practices Act because you are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts you are alleging are mineYour company did NOT provide me with a copy of any signed contracts for goods and services
Regards,
*** ***
Hello, Can this consumer send us any additional documentation to aid in our researchCan he tell us if its fraud, was his identity stolenAnything to help look into this matterWe take all claims of this nature seriously and would like to get to the bottom of this.Thanks
Hello, This account was outsourced upon purchaseI will have to gather the documents , letters and notes form our servicer to do my investigationI will respond once all the facts have been reviewedIf you have copies of the letters and proof of receipt please forward to me, that would be
helpful and aid in my investigation
Complaint: ***
I am rejecting this response because:-----Original Message-----From: *** [mailto:***] Sent: Saturday, July 16, 4:PMTo: info Subject: Re: Revdex.com - You have a New Message from Revdex.com Regarding Complaint #*** I don't agree with their dates, it's stated a payment was received on the account and charged off days after a payment was made? That doesn't make any senseThey indicate they filed a suit, and then a supplied notice in person weeks later, how are you supposed to respond timely? What is the complaint number assigned? Again, I don't agree with the dates given.Regards,
*** ***
Second Round is in receipt of the complaint by Ms*** 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 recently discovered that we had not been receiving notifications from CFPB when a new complaint has been received; this resulted in a delayed response to Ms***’s complaintSecond Round has since responded to Ms***’s CFPB complaint
Hello,Mr*** was mailed a release of claim letter to theaddress we have on file, *** *** *** *** *** *** *** on August 3, If he has not received the letter, have him contactour office and ask for the Chief Compliance Officer and we will assist him
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 deleted it’s entry from Mr*** credit reports
Attached is the release we have for Mr***It is the only account we have for him
Second Round is in receipt of the rejected Revdex.com response from *** ***Second Round purchased this Synchrony Bank account ending (Sam's Club Personal Credit) from Synchrony Bank on 5/25/Second Round is following the guidelines of the state and FCRA as it relates to credit reporting this debtWe have no knowledge as to whether the original creditor is credit reporting this debt as wellIn our previous response, we provided the contact number to the agency that is servicing this debt; it is also provided belowP&B Capital Group will be more than happy to assist *** *** with a resolution to this debtIn regards to the age of the debt, according to the information we received from the original creditor, the account was opened on 4/8/2012, the last payment date was 7/11/and the first default date was 8/29/Neither, New York nor Kentucky (addresses we have received for the consumer’s attorney and the consumer) have statute of limitations that are less than years; therefore, this debt is still considered collectible under the lawSecond Round also mailed out a validation letter to the Law Office of *** ** *** on 11/4/ P&B Capital Group and their contact number is ***Tell us why here
We are in receipt of Mr***'s complaintOur office has mailed him copies of the itemized statements for his reviewPlease have him to contact our office if he has any further questions
Complaint: ***
I am rejecting this response because:I have never entered into any type of contract with this company and have never received physical correspondence from them regarding this debt. No mailThey have never validated the debt with me before placing it on my credit report
Regards,
*** ***
Second Round is in receipt of the complaint by Mr*** *** and we have investigated the matterSecond Round LP takes pride in the fact we stay abreast of all local, state and federal compliance regulations, including requirements under the NYSDFSMr*** alleges that Second
Round did not adhere to the Validation Requirements required by lawThe account in question is from Synchrony Bank, account# ending (Amazon.com Store Card) which was charged off on or about 11/3/According to NYSDFS, the requirements for a charged off debt state that a debt collector must provide: The name of the original creditor An itemized accounting of the debt, including: a) the total amount of the debt due as of charge off, b) the total amount of interest accrued since charge off, c) the total amount of non-interest charges or fees accrued since charge off, d) the total amount of payments made on the debt since the charge off In addition, if the consumer is disputing the debt, a debt collector ‘…within days of receiving a request for substantiation of the debt… must cease collection of the debt until written substantiation has been provided to the consumer…’ According 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*** dated 9/7/We received additional faxes from Mr*** in response to our letter dated 9/7/We mailed out a letter dated 10/21/to inform Mr*** that we had concluded our investigation and informed him to contact us if we could be of further assistance
Mrs*** our servicer has forwarded a communication from you in which you state you do not have a permanent addressAre you giving Second Round authorization to email documents to you, and are you giving Second Round authorization to upload documents to you through the Revdex.com
Second Round is in receipt of the Revdex.com complaint from Mr*** ***As members of The Association of Credit and Collection Professionals (ACA International) as well as the Debt Buyers Association (DBA), we pride ourselves on staying compliant regarding ‘time-barred’ debtIn reviewing Mr
***’s account, his last payment to the original creditor was on 3/10/and the account was charged off 3/19/2013, respectivelyMr*** was served on 8/5/and suit was filed on 5/27/(Washington is a Served First state)In the State of Washington, the statute of limitations expires in years on written contractsTherefore, this suit is eligible for suit filing until 3/As for the 20-day summons that Mr*** received, we filed the suit on 5/27/in Thurston County Superior Court and the court handles the notifications to the defendantWe have updated our system of record and communicated to our servicer that Mr*** does not wish to be contacted regarding this matter any furtherTell us why here
Complaint: ***
I am rejecting this response because: Multiple statements made in the company's response a patently falseAs the can see in the documents they provided the supposed chain of title provided is, in fact, a cover letter for a bulk sale of debtsAs neither the 'Accounts Payable Agreement' nor the 'Notification File' were provided it is impossible to tell if the alleged debt was one of the ones included in the sale or what (if any) information regarding its current status, ownership or basis was includedAdditionally, New York City law regarding debt validation requires 'the signed contract or signed application that created the debt' which was not provided at any time
Regards,
*** ***
Second Round is in receipt of the complaint by Ms*** 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 industryMs***’s account is with a law firmThey are servicing the account on behalf of Second RoundIf Ms*** has trouble reaching the firm directly, she may contact Second Round and we will be happy to be of assistance with getting her in contact with the firm
Hello,Second Round purchased the debt from SYF and outsourced itfor recoveryMrs*** received a validation letter from our law firm on April8, We have also mailed the charge off statement, the last paymentstatement, and a letter acknowledging the dispute requesting additional
informationto aid in our investigationMrs***’s account has been updated to the creditbureau as disputed and is currently on hold
Second Round is in receipt of the Revdex.com complaint from *** *** (*** *** in our system of record)We take great pride in the quality & compliance training that we provide to our collection staffIn reviewing the calls, the collection agents were calm and courteous while seeking
ways to honor Mrs***’s request for a payment planThey were never rude nor did any Second Round collection agent yell at her during any of the conversationsAt times, they met resistance while attempting to verify that Mrs*** was the right party to discuss the debt with, as the law requiresWhen Mrs*** asked to speak to a manager on April 25, 2016, the collection agent informed her that the manager was on another call and could call her back; Mrs*** refused that optionShe also asked to speak to a manager on June 20, and was informed that the manager was not in at the time and she was given the phone number to the VP of RecoveryOn April 25, 2016, one of our collection agents was able to reach an agreement with Mrs*** to pay a total of $1,(39% of the balance) through monthly payments of $They set up one payment of $for that day and the rest could be called in to us or made through the online payment portalOn May 22, (Sunday), Mrs*** logged into our online payment portal and set up a $credit card payment as well as a series of monthly payments scheduled for $each month, through September 25, Our staff does not work on SundaysBased on this Revdex.com complaint, it appears that Mrs*** did not realize that she set up multiple recurring paymentsMrs*** was never told that she could not make a payment over the weekend, she was informed that she would need to make ‘postdated payments’ via checking account and not via credit card (this would have been a violation to Regulation E to allow the recurring postdated credit card payments)This was explained to Mrs*** when she agreed to the $monthly paymentsSecond Round would be more than happy to cancel all future payments that are scheduled through the online payment portal once we have Mrs***’s authorization to do soOtherwise, these payments are scheduled to process on a monthly basis until the final payment of $dated September 25,
Hello,Itemized statements are being mailed to youDo you have anything we can use to help us investigate your dispute, was it id theft, fraud? We want to help resolve but we need more information.Thanks
Second Round purchased this account from Synchrony Bank and through Second Round’s administrator placed it with Ragan LawSince the consumer is willing to work directly with Synchrony Bank to resolve this matter Second Round has recalled the account and will consider the matter closedSecond Round has also requested this be deleted from her credit bureau reports
Complaint: ***
I am rejecting this response because:Account level detail and billing information is not valid proof of a contractPlease send me a copy of a signed contract in regard to the alleged debtsWhere is the binding contract showing that I allegedly owe these debtsYour company is in violation of the Fair Credit Reporting Act because you are reporting innacuarate and invalid information on my credit reportsI demand that you remove all accounts from my credit report immediatelyYou are in violation of the Fair Debt Collection Practices Act because you are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts you are alleging are mineYour company did NOT provide me with a copy of any signed contracts for goods and services
Regards,
*** ***
Hello, Can this consumer send us any additional documentation to aid in our researchCan he tell us if its fraud, was his identity stolenAnything to help look into this matterWe take all claims of this nature seriously and would like to get to the bottom of this.Thanks
Hello, This account was outsourced upon purchaseI will have to gather the documents , letters and notes form our servicer to do my investigationI will respond once all the facts have been reviewedIf you have copies of the letters and proof of receipt please forward to me, that would be
helpful and aid in my investigation