Ms***’s *** Credit card account ending in was purchased by Second Round from *** *** on 5/25/The account was immediately placed with a servicer to work the account on Second Round’s behalfWe have followed up with the servicer and were notified that they did attempt to send a letter to Ms***, however that was returnedThe servicer does not have a good address to be able to send validation to Ms***If she would like to provide an updated address we will ensure that she receives validation as requestedIn regard to Ms***’s claim that she has been receiving 6-calls per day and often after 9pm, Second Round has reviewed the account notes from the servicer Ms***’s account is currently placed with and there have been no call attempts made on this account by the servicer
Complaint: ***
I am rejecting this response because: I still have not received legitimate documentation proving the claim I have contacted them several times with information on how to get the information to me and they have yet to send it to me in that form
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12771653, and find that this resolution is satisfactory to me
Regards,
*** ***
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:all they need to send a letter or refund for noncompliance called several times no resolutions
Regards,
*** ***
Complaint: ***
I am rejecting this response because:the vehicle information listed on the Notice Of Lien Release, *** *** VIN#***, does not belong to us We have never owned
such vehicle I have mentioned this to Second Round Staff several times The correct Notice of Lien Release that should have been provided by Second Round LP should have been for a *** *** VIN#***The VIN# stated on the Second Round LP Notice of Lien Release is the same VIN# to my vehicle but the vehicle description is incorrect To Clarify the correct vehicle information Second Round needs to confirm my VIN# thru their sources and correct the Lien Release.Attached you will find copy of my insurance card with all my vehicle information, vehicle description and vin# Regards,
*** * *** ***
Second Round is in receipt of the Revdex.com complaint from *** *** and we have investigated this matterOn 5/25/2016, Second Round purchased the consumers Synchrony Bank/Care Credit account ending On June 2, 2016, Second Round mailed out the Notice of Assignment letter to Mrs***,
as required under Florida StatuteOn August 24, 2016, Second Round mailed out a letter to Mrs*** offering her options to take care of this debtMrs*** called Second Round on 12/9/to inquire about the accountDue to the Fair Debt Collections Practices Acts requirement to verify that debt collectors are speaking to the correct party PRIOR to disclosure of any details related to the debt, our collection agent asked Mrs*** to verify specific pieces of information, such as the last four digits of her social security number or her date of birth and addressMrs*** was not comfortable verifying this information over the phoneAs a result of the collection agent seeking to remain compliant with federal regulations, she informed Mrs*** that she could not proceed with providing details about why Second Round sent communication to herMrs*** did provide her phone number but that is not one of the required verification items to ensure that we are speaking to the right party (actual debtor)We would be more than happy to work with Mrs***; however, each time she calls, the collection agents will be required to verify the following pieces of information: Her first and last nameHer addressEither the last digits of her social security number or her date of birthThe collection agents will be required to state the mini Miranda and make a statement that calls are being recorded or monitored for quality assurance Once they have verified these pieces of information and made the required disclosures, the collection agent can provide her with exact details related to this debtTell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***I accept this resolution pending receipt of copies of the deletion requests sent to the credit reporting agencies However, nothing in my acceptance of this resolution should be considered as an admission that the alleged debt is, or ever was, mine and I flatly reject Second Round's unproven assertions that I was making payments on the alleged debt in April (or at any other time) or that the materials they sent me comply with FDCPA and NYSDFS requirements
Regards,
*** ***
Hello, We have reviewed the complaint and found Second Round sent an assignment letter to Mr. [redacted] on 6/10/2015, this was returned. Our servicer sent validation letters on November 12, 2015 and December 15, 2015. Both letters were returned. We have tried two different addresses and in both...
instances the mail was returned. In fact, the last attempt was mailed to the address he shows in the complaint. Mr. [redacted] has right to negotiate a settlement with our counsel if he would like to settle this matter. Second Round has received no phone calls from Mr. [redacted]. Mr. [redacted] states calls were made to him at 8:15, this must have been our servicer. The FDCPA states we have the right to call between 8-9pm in the consumer’s time zone.
Complaint: [redacted]
I am rejecting this response because: I will be needing the original Release of Lien mailed. As per Application for a Certified Copy of a Title instructions, all documents must be originals. As soon as I receive the original Release of Lien then I can accept the business response.
Regards,
[redacted]
Second Round is in receipt of Mr. [redacted]s rejected response and we are within compliance of NYSDFS and the FDCPA. NYSDFS 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 available. 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. [redacted] dated 9/7/2016.
Tell us why here... Second Round LP is in receipt of complaint by Ms. [redacted] and we are investigating the matter. Second Round LP takes pride in the fact we treat all consumers with respect and dignity. Our staff is well trained and has a strong commitment to customer service. We take every...
consumer communication as an opportunity to build bridges and provide real solutions. Second Round LP staff members are responsible for assuring each consumer interaction is positive and constructive. We 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, 2017. 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.
Second Round LP is in receipt of the complaint by Ms. [redacted] and we have investigated the matter. Second Round LP takes pride in the fact that we treat all consumers with respect and dignity. Our staff is well trained and has a strong commitment to customer service. We take every consumer...
communication as an opportunity to build bridges and provide real solutions. Second Round LP’s staff members are responsible for assuring each consumer interaction is positive and constructive. We work diligently daily to apply and live by all regulatory rules and laws that govern our industry. In the best interest of Ms. [redacted] and in an effort to maintain our core values of customer centricity, we have marked the credit report as Disputed and have requested that Synchrony Bank review this account to confirm the consumer is working with the bank to resolve this. We will place this account on hold until we receive a response.
Second Round is in receipt of the Revdex.com complaint from Mrs. [redacted]. In reviewing Mrs. [redacted]’s account, this account was purchased by Second Round from Synchrony Bank f/k/a/ GE Capital Retail Bank on or about 7/8/2015. Second Round assigned the account with its servicer on or about...
7/8/2015. The servicer has filed a lawsuit against Mrs. [redacted] as a result of the default on her account ending 2191; however, they have only mailed her one demand letter (which outlined the name of the original creditor and the charged off principal amount due). According to the servicer, who is familiar with the practices of local bankruptcy attorneys and consumer attorneys, it is a standard exercise for these attorneys to start sending advertisements to consumers who have recently had a law suit filed against them in an effort to acquire their business. The only law firm that is representing Second Round is Ragan & Ragan. If Mrs. [redacted] has multiple copies of letters received from this law firm, we welcome her to forward those to Second Round for further investigation.
Hello, We are in the process of investigating this complaint. I should have all the data I need in the next day or so. I will provide and update at that time.
Hello,The request to remove data from the credit bureaus has been made. This can take up to 60 days, but we have sent the request in to both bureaus we reported to.
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 the Revdex.com complaint from [redacted] and has investigated this matter. On 1/24/2013, Second Round purchased the consumers HSBC Consumer Lending account ending in 0656 from HSBC. This 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, 1/2013. On 1/31/2013 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 unsuccessful. On 8/22/2014 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 time. Due to being notified of this complaint, Second Round will resend a validation letter to the address provided. Mr. [redacted] may feel free to contact us directly with any further questions or concerns. He can reach our compliance department at [redacted] or [redacted]. Tell us why here...
Complaint: [redacted]
I am rejecting this response because:
I was never notified of any of these businesses or ever given a notice of debt collections. So we just keep selling the account to keep I active?
Regards,
[redacted]
Ms***’s *** Credit card account ending in was purchased by Second Round from *** *** on 5/25/The account was immediately placed with a servicer to work the account on Second Round’s behalfWe have followed up with the servicer and were notified that they did attempt to send a letter to Ms***, however that was returnedThe servicer does not have a good address to be able to send validation to Ms***If she would like to provide an updated address we will ensure that she receives validation as requestedIn regard to Ms***’s claim that she has been receiving 6-calls per day and often after 9pm, Second Round has reviewed the account notes from the servicer Ms***’s account is currently placed with and there have been no call attempts made on this account by the servicer
Complaint: ***
I am rejecting this response because: I still have not received legitimate documentation proving the claim I have contacted them several times with information on how to get the information to me and they have yet to send it to me in that form
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12771653, and find that this resolution is satisfactory to me
Regards,
*** ***
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:all they need to send a letter or refund for noncompliance called several times no resolutions
Regards,
*** ***
Complaint: ***
I am rejecting this response because:the vehicle information listed on the Notice Of Lien Release, *** *** VIN#***, does not belong to us We have never owned
such vehicle I have mentioned this to Second Round Staff several times The correct Notice of Lien Release that should have been provided by Second Round LP should have been for a *** *** VIN#***The VIN# stated on the Second Round LP Notice of Lien Release is the same VIN# to my vehicle but the vehicle description is incorrect To Clarify the correct vehicle information Second Round needs to confirm my VIN# thru their sources and correct the Lien Release.Attached you will find copy of my insurance card with all my vehicle information, vehicle description and vin# Regards,
*** * *** ***
Second Round is in receipt of the Revdex.com complaint from *** *** and we have investigated this matterOn 5/25/2016, Second Round purchased the consumers Synchrony Bank/Care Credit account ending On June 2, 2016, Second Round mailed out the Notice of Assignment letter to Mrs***,
as required under Florida StatuteOn August 24, 2016, Second Round mailed out a letter to Mrs*** offering her options to take care of this debtMrs*** called Second Round on 12/9/to inquire about the accountDue to the Fair Debt Collections Practices Acts requirement to verify that debt collectors are speaking to the correct party PRIOR to disclosure of any details related to the debt, our collection agent asked Mrs*** to verify specific pieces of information, such as the last four digits of her social security number or her date of birth and addressMrs*** was not comfortable verifying this information over the phoneAs a result of the collection agent seeking to remain compliant with federal regulations, she informed Mrs*** that she could not proceed with providing details about why Second Round sent communication to herMrs*** did provide her phone number but that is not one of the required verification items to ensure that we are speaking to the right party (actual debtor)We would be more than happy to work with Mrs***; however, each time she calls, the collection agents will be required to verify the following pieces of information: Her first and last nameHer addressEither the last digits of her social security number or her date of birthThe collection agents will be required to state the mini Miranda and make a statement that calls are being recorded or monitored for quality assurance Once they have verified these pieces of information and made the required disclosures, the collection agent can provide her with exact details related to this debtTell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***I accept this resolution pending receipt of copies of the deletion requests sent to the credit reporting agencies However, nothing in my acceptance of this resolution should be considered as an admission that the alleged debt is, or ever was, mine and I flatly reject Second Round's unproven assertions that I was making payments on the alleged debt in April (or at any other time) or that the materials they sent me comply with FDCPA and NYSDFS requirements
Regards,
*** ***
Hello, We have reviewed the complaint and found Second Round sent an assignment letter to Mr. [redacted] on 6/10/2015, this was returned. Our servicer sent validation letters on November 12, 2015 and December 15, 2015. Both letters were returned. We have tried two different addresses and in both...
instances the mail was returned. In fact, the last attempt was mailed to the address he shows in the complaint. Mr. [redacted] has right to negotiate a settlement with our counsel if he would like to settle this matter. Second Round has received no phone calls from Mr. [redacted]. Mr. [redacted] states calls were made to him at 8:15, this must have been our servicer. The FDCPA states we have the right to call between 8-9pm in the consumer’s time zone.
Complaint: [redacted]
I am rejecting this response because: I will be needing the original Release of Lien mailed. As per Application for a Certified Copy of a Title instructions, all documents must be originals. As soon as I receive the original Release of Lien then I can accept the business response.
Regards,
[redacted]
Second Round is in receipt of Mr. [redacted]s rejected response and we are within compliance of NYSDFS and the FDCPA. NYSDFS 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 available. 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. [redacted] dated 9/7/2016.
Tell us why here... Second Round LP is in receipt of complaint by Ms. [redacted] and we are investigating the matter. Second Round LP takes pride in the fact we treat all consumers with respect and dignity. Our staff is well trained and has a strong commitment to customer service. We take every...
consumer communication as an opportunity to build bridges and provide real solutions. Second Round LP staff members are responsible for assuring each consumer interaction is positive and constructive. We 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, 2017. 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] [redacted]
Second Round LP is in receipt of the complaint by Ms. [redacted] and we have investigated the matter. Second Round LP takes pride in the fact that we treat all consumers with respect and dignity. Our staff is well trained and has a strong commitment to customer service. We take every consumer...
communication as an opportunity to build bridges and provide real solutions. Second Round LP’s staff members are responsible for assuring each consumer interaction is positive and constructive. We work diligently daily to apply and live by all regulatory rules and laws that govern our industry. In the best interest of Ms. [redacted] and in an effort to maintain our core values of customer centricity, we have marked the credit report as Disputed and have requested that Synchrony Bank review this account to confirm the consumer is working with the bank to resolve this. We will place this account on hold until we receive a response.
Second Round is in receipt of the Revdex.com complaint from Mrs. [redacted]. In reviewing Mrs. [redacted]’s account, this account was purchased by Second Round from Synchrony Bank f/k/a/ GE Capital Retail Bank on or about 7/8/2015. Second Round assigned the account with its servicer on or about...
7/8/2015. The servicer has filed a lawsuit against Mrs. [redacted] as a result of the default on her account ending 2191; however, they have only mailed her one demand letter (which outlined the name of the original creditor and the charged off principal amount due). According to the servicer, who is familiar with the practices of local bankruptcy attorneys and consumer attorneys, it is a standard exercise for these attorneys to start sending advertisements to consumers who have recently had a law suit filed against them in an effort to acquire their business. The only law firm that is representing Second Round is Ragan & Ragan. If Mrs. [redacted] has multiple copies of letters received from this law firm, we welcome her to forward those to Second Round for further investigation.
Hello, We are in the process of investigating this complaint. I should have all the data I need in the next day or so. I will provide and update at that time.
Hello,The request to remove data from the credit bureaus has been made. This can take up to 60 days, but we have sent the request in to both bureaus we reported to.
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 the Revdex.com complaint from [redacted] and has investigated this matter. On 1/24/2013, Second Round purchased the consumers HSBC Consumer Lending account ending in 0656 from HSBC. This 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, 1/2013. On 1/31/2013 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 unsuccessful. On 8/22/2014 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 time. Due to being notified of this complaint, Second Round will resend a validation letter to the address provided. Mr. [redacted] may feel free to contact us directly with any further questions or concerns. He can reach our compliance department at [redacted] or [redacted]. Tell us why here...
Complaint: [redacted]
I am rejecting this response because:
I was never notified of any of these businesses or ever given a notice of debt collections. So we just keep selling the account to keep I active?
Regards,
[redacted]