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 7 years after the account fell in to original default. What 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 vs. Wilber Law Firm, 383 F.3d 562 (7th Cir. 2004) 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 request. Additional 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 ATTY. to sue and was unable sue due to lack of evidence that ATTY then dismissed the case. If 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]
Second Round LP is in receipt of a complaint by Mr. [redacted] and we have investigated 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 the complaint, we have verified that Second Round, LP has not reported any information to Mr. [redacted]’s credit reports. If you have any further questions please feel free to reach out.
Second Round is in receipt of Mr. [redacted]’s Revdex.com response. We have enclosed the Charge Off Statement that was provided to us by Synchrony Bank f/k/a GE Capital Retail Bank. This statement reflects a last payment date of March 10, 2013 and a charge off date of March 19, 2013. Our records indicate that the final payment was returned. After further review and investigation with the servicer, we discovered that Mr. [redacted] was, in fact, served on August 5, 2015; however, we received a dispute from Mr. [redacted] through eOscar (Trans Union) on October 10, 2015. Our policy is to place accounts on hold when we receive a dispute from our consumers while their accounts are assigned to our servicers. This allows time for a thorough investigation into their dispute. Our servicer, discontinued working this account in October 2015 and we did not reactivate their efforts until March 2016, after we completed our investigation. Our servicer did draft a Summons and Complaint in May and performed meaningful review of the Summons and Complaint prior to scheduling the account for a new Process Service. Mr. [redacted] was served on July 10, 2016 and the state of Washington requires a signature proof of service before suit can be filed. Suit has not been filed on Mr. [redacted]’s account as of July 19, 2016, therefore, we do not have a complaint number to provide. 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 recently. This is not reaching my acceptable resolution, please read original message.
Regards,
[redacted]
After further review of our records we show repeated claimsof fraud and identity theft. While there has never been any conclusivedocumentation to support these claims Second Round will not pursue litigation.We will dismiss the suit and close this account. We do however maintain theright to continue reporting to the credit bureau as disputed until suchdocumentation is provided. At that point we will delete our trade line and retirethis account.
Second Round is in receipt of the complaint by Mrs. [redacted] regarding her Synchrony/Rooms to Go account ending 8127. We have investigated her claim and in reviewing our system of record, Second Round has never made any phone calls to this consumer. We assigned this to our servicer for...
collection efforts. She also mentions that someone came to her home last Friday. Our servicer has initiated action against Mrs. [redacted] and a process server was hired to serve the complaint to her. Second Round purchased this account from Synchrony Bank on 3/18/2015 and we did begin reporting to the credit bureaus. On or about 10/12/2015 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 response. The matter has been placed On Hold with our servicers until we receive further information from Synchrony.
Second Round is in receipt of the 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 Ms. [redacted]’ account, we have determined Second Round received a dispute regarding this account on 4/11/2016 and Second Round updated its trade line to report as disputed at that time. Second 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 statements. Second 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.
Second Round is in receipt of the Revdex.com complaint REJECTION from [redacted]. In response to Ms. [redacted]’s inquiry, the date of original (first) default according to the original account level documentation we received from HSBC Consumer Lending (USA) Inc., was 11/15/2010. In response to her claim...
that Second Round did not provide her with validation, we mailed validation to her on 1/31/2013, which included the name and account number provided by the original creditor, the name of the current creditor and the charge off balance. Arizona does not have any state specific validation requirements that supersede the federal requirement. The Statute of Limitations has expired as of 11/2013 and Second Round will not sue this account; however, Arizona does not restrict normal debt collection efforts beyond the Statute of Limitations. This is our first time being informed of this debt being fraud. We welcome Ms. [redacted] to forward a copy of her police report(s) or fraud/ID Theft Affidavit, so we can investigate this fraud claim with the original creditor. Lastly, we invite Ms. [redacted] to contact our office to discuss this matter, in hopes of reaching an amicable resolution including a possible reduced payoff. Tell us why here...
Complaint: [redacted]
I am rejecting this response because: Please provide the attorney info to where I need to get in contact with. Once that is received I will contact them within 48hours, along with my attorney.
Regards,
[redacted]
We are in receipt of Mrs. [redacted]’s complaint. If Mrs.[redacted] still needs help with the letter we sent please ask her to contact ouroffice and ask for our V.P. of Recovery and she will help her. We did updateher account as disputed and will provide further assistance when she calls in.
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 validation.1. Signed 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 provided.2. Charge Off statement - This was sent, although not within the 30 day window allowed under the FDCPA3. Complete 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]
Second Round is in receipt of the Revdex.com complaint from Mrs. [redacted]. In reviewing Mrs. [redacted]’s claim, we investigated the information with the Law Offices of [redacted], which was listed on the court document. They were hired by [redacted], which is the firm that Second Round...
initially assigned to service the account in August 2013. In July 2015, when this matter was dismissed with prejudice by the State of Michigan 8th Judicial District Court, we never received notification from [redacted]. [redacted] went out of business at the end of 2015. On August 17, 2016, Second Round received an eOscar dispute from Mrs. [redacted] stating that she disputed the Current Balance. At that time, we submitted a Dispute mark through eOscar and started researching the balance on the account. On August 22, 2016, we received another eOscar dispute of inaccuracy from Mrs. [redacted]. On August 26, 2016, Mrs. [redacted] called our collection team at Second Round and was more detailed about her dispute and she faxed in a copy of the dismissal from the courts. We immediately investigated this with the Law Offices of [redacted] and they confirmed that this case was dismissed with prejudice in July 2015. Based on that information, we closed the account, submitted a trade line deletion through eOscar and mailed a letter to Mrs. [redacted] advising that we have closed the account and submitted the trade line deletion (a copy of the letter will be uploaded as part of this Revdex.com response). We have also attached copies of the Trans Union and Experian credit reports showing Second Round has been removed for the account ending 8967- US Bank.Tell us why here...
Hello, Second Round will not sue this account because it is out of statute. We can make attempts to have this matter resolved voluntarily. Our agent has documented the no call request to this account and this consumer will receive mail only.
Complaint: [redacted]
I am rejecting this response because:
The letter that this company is referencing that they sent back in 2016 was a letter acknowledging my dispute and in return asking me for my personal information in order to complete the dispute. This 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 FDCPA. This 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 account. I am asking the account to be removed for lack of validity of ownership. Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: Again, I never accepted automatic payments. We have a contract that is still legally enact for me to pay off this debt. We 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 no. If I had agreed online then they would not have asked me this question. I will continue to make my payments until our settlement agreement has been paid. You are not authorized to contact me by phone again. again, I will continue to pay the agreed amount. I 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]
Hello, The June of 2015 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 Round. We can provide the actual chain of title if you would like to review.
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 LP is in receipt of complaint by Mr. [redacted] and weare investigating the matter. Second Round LP takes pride in the fact we treatall consumers with respect and dignity. Our staff is well trained and has astrong commitment to customer service. We take every consumer communication asan...
opportunity to build bridges and provide real solutions. Second Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructive. We work diligently daily to apply and live by allregulatory rules and laws that govern our industry.After reviewing the facts we found on June 6, 2015 we sent Mr.[redacted] a letter requesting additional information to help us furtherinvestigate this matter. The address wehave is the same as the one on his complaint. Please forward to us any additionalinformation to assist us so we can resolve this matter. We are also in theprocess of sending Mr. [redacted] itemized statements of the charges.
Complaint: [redacted]
I am rejecting this response because:Second Round LP is deceptive in their collection practices. They ( per [redacted] Synchrony Bank Executive offices) has verbally told me Second Round has no standing with Synchrony Bank. They ( Second Round ) retained a debt buyer attorney Ragan & Ragan in New Jersey to pursue this debt. Second Round , LP bought a portfolio of over 7000 accounts for approximately $18,000 . Upon my research and demand for disclosure from Second Round did I find this information out. I contacted Second Round , LP in August of 2015 and they failed to respond to me. I contacted them via certified mail. I have provided all of this information in my FTC complaint , my complaint to the Consumer Financial Protection Bureau. The CEO of Second Round was faxed a copy of both of these complaints. This company has many, many complaints from consumers. In 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 practice. My expectation is they immediately remove the Experian reporting and cease from contacting me. If they have a legal team , word to the wise to contact Synchrony Bank as Second Round in no way , shape or form represents them. My expectation is they remove - not dispute the credit item ASAP. I will vigorously pursue this as this company is not ethical.
Regards,
[redacted]
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 7 years after the account fell in to original default. What 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 vs. Wilber Law Firm, 383 F.3d 562 (7th Cir. 2004) 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 request. Additional 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 ATTY. to sue and was unable sue due to lack of evidence that ATTY then dismissed the case. If 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]
Second Round LP is in receipt of a complaint by Mr. [redacted] and we have investigated 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 the complaint, we have verified that Second Round, LP has not reported any information to Mr. [redacted]’s credit reports. If you have any further questions please feel free to reach out.
Second Round is in receipt of Mr. [redacted]’s Revdex.com response. We have enclosed the Charge Off Statement that was provided to us by Synchrony Bank f/k/a GE Capital Retail Bank. This statement reflects a last payment date of March 10, 2013 and a charge off date of March 19, 2013. Our records indicate that the final payment was returned. After further review and investigation with the servicer, we discovered that Mr. [redacted] was, in fact, served on August 5, 2015; however, we received a dispute from Mr. [redacted] through eOscar (Trans Union) on October 10, 2015. Our policy is to place accounts on hold when we receive a dispute from our consumers while their accounts are assigned to our servicers. This allows time for a thorough investigation into their dispute. Our servicer, discontinued working this account in October 2015 and we did not reactivate their efforts until March 2016, after we completed our investigation. Our servicer did draft a Summons and Complaint in May and performed meaningful review of the Summons and Complaint prior to scheduling the account for a new Process Service. Mr. [redacted] was served on July 10, 2016 and the state of Washington requires a signature proof of service before suit can be filed. Suit has not been filed on Mr. [redacted]’s account as of July 19, 2016, therefore, we do not have a complaint number to provide. 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 recently. This is not reaching my acceptable resolution, please read original message.
Regards,
[redacted]
After further review of our records we show repeated claimsof fraud and identity theft. While there has never been any conclusivedocumentation to support these claims Second Round will not pursue litigation.We will dismiss the suit and close this account. We do however maintain theright to continue reporting to the credit bureau as disputed until suchdocumentation is provided. At that point we will delete our trade line and retirethis account.
Second Round is in receipt of the complaint by Mrs. [redacted] regarding her Synchrony/Rooms to Go account ending 8127. We have investigated her claim and in reviewing our system of record, Second Round has never made any phone calls to this consumer. We assigned this to our servicer for...
collection efforts. She also mentions that someone came to her home last Friday. Our servicer has initiated action against Mrs. [redacted] and a process server was hired to serve the complaint to her. Second Round purchased this account from Synchrony Bank on 3/18/2015 and we did begin reporting to the credit bureaus. On or about 10/12/2015 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 response. The matter has been placed On Hold with our servicers until we receive further information from Synchrony.
Second Round is in receipt of the 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 Ms. [redacted]’ account, we have determined Second Round received a dispute regarding this account on 4/11/2016 and Second Round updated its trade line to report as disputed at that time. Second 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 statements. Second 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.
Second Round is in receipt of the Revdex.com complaint REJECTION from [redacted]. In response to Ms. [redacted]’s inquiry, the date of original (first) default according to the original account level documentation we received from HSBC Consumer Lending (USA) Inc., was 11/15/2010. In response to her claim...
that Second Round did not provide her with validation, we mailed validation to her on 1/31/2013, which included the name and account number provided by the original creditor, the name of the current creditor and the charge off balance. Arizona does not have any state specific validation requirements that supersede the federal requirement. The Statute of Limitations has expired as of 11/2013 and Second Round will not sue this account; however, Arizona does not restrict normal debt collection efforts beyond the Statute of Limitations. This is our first time being informed of this debt being fraud. We welcome Ms. [redacted] to forward a copy of her police report(s) or fraud/ID Theft Affidavit, so we can investigate this fraud claim with the original creditor. Lastly, we invite Ms. [redacted] to contact our office to discuss this matter, in hopes of reaching an amicable resolution including a possible reduced payoff. Tell us why here...
Complaint: [redacted]
I am rejecting this response because: Please provide the attorney info to where I need to get in contact with. Once that is received I will contact them within 48hours, along with my attorney.
Regards,
[redacted]
We are in receipt of Mrs. [redacted]’s complaint. If Mrs.[redacted] still needs help with the letter we sent please ask her to contact ouroffice and ask for our V.P. of Recovery and she will help her. We did updateher account as disputed and will provide further assistance when she calls in.
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 validation.1. Signed 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 provided.2. Charge Off statement - This was sent, although not within the 30 day window allowed under the FDCPA3. Complete 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]
Second Round is in receipt of the Revdex.com complaint from Mrs. [redacted]. In reviewing Mrs. [redacted]’s claim, we investigated the information with the Law Offices of [redacted], which was listed on the court document. They were hired by [redacted], which is the firm that Second Round...
initially assigned to service the account in August 2013. In July 2015, when this matter was dismissed with prejudice by the State of Michigan 8th Judicial District Court, we never received notification from [redacted]. [redacted] went out of business at the end of 2015. On August 17, 2016, Second Round received an eOscar dispute from Mrs. [redacted] stating that she disputed the Current Balance. At that time, we submitted a Dispute mark through eOscar and started researching the balance on the account. On August 22, 2016, we received another eOscar dispute of inaccuracy from Mrs. [redacted]. On August 26, 2016, Mrs. [redacted] called our collection team at Second Round and was more detailed about her dispute and she faxed in a copy of the dismissal from the courts. We immediately investigated this with the Law Offices of [redacted] and they confirmed that this case was dismissed with prejudice in July 2015. Based on that information, we closed the account, submitted a trade line deletion through eOscar and mailed a letter to Mrs. [redacted] advising that we have closed the account and submitted the trade line deletion (a copy of the letter will be uploaded as part of this Revdex.com response). We have also attached copies of the Trans Union and Experian credit reports showing Second Round has been removed for the account ending 8967- US Bank.Tell us why here...
Hello, Second Round will not sue this account because it is out of statute. We can make attempts to have this matter resolved voluntarily. Our agent has documented the no call request to this account and this consumer will receive mail only.
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
The letter that this company is referencing that they sent back in 2016 was a letter acknowledging my dispute and in return asking me for my personal information in order to complete the dispute. This 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 FDCPA. This 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 account. I am asking the account to be removed for lack of validity of ownership. Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: Again, I never accepted automatic payments. We have a contract that is still legally enact for me to pay off this debt. We 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 no. If I had agreed online then they would not have asked me this question. I will continue to make my payments until our settlement agreement has been paid. You are not authorized to contact me by phone again. again, I will continue to pay the agreed amount. I 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]
Hello, The June of 2015 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 Round. We can provide the actual chain of title if you would like to review.
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 LP is in receipt of complaint by Mr. [redacted] and weare investigating the matter. Second Round LP takes pride in the fact we treatall consumers with respect and dignity. Our staff is well trained and has astrong commitment to customer service. We take every consumer communication asan...
opportunity to build bridges and provide real solutions. Second Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructive. We work diligently daily to apply and live by allregulatory rules and laws that govern our industry.After reviewing the facts we found on June 6, 2015 we sent Mr.[redacted] a letter requesting additional information to help us furtherinvestigate this matter. The address wehave is the same as the one on his complaint. Please forward to us any additionalinformation to assist us so we can resolve this matter. We are also in theprocess of sending Mr. [redacted] itemized statements of the charges.
Complaint: [redacted]
I am rejecting this response because:Second Round LP is deceptive in their collection practices. They ( per [redacted] Synchrony Bank Executive offices) has verbally told me Second Round has no standing with Synchrony Bank. They ( Second Round ) retained a debt buyer attorney Ragan & Ragan in New Jersey to pursue this debt. Second Round , LP bought a portfolio of over 7000 accounts for approximately $18,000 . Upon my research and demand for disclosure from Second Round did I find this information out. I contacted Second Round , LP in August of 2015 and they failed to respond to me. I contacted them via certified mail. I have provided all of this information in my FTC complaint , my complaint to the Consumer Financial Protection Bureau. The CEO of Second Round was faxed a copy of both of these complaints. This company has many, many complaints from consumers. In 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 practice. My expectation is they immediately remove the Experian reporting and cease from contacting me. If they have a legal team , word to the wise to contact Synchrony Bank as Second Round in no way , shape or form represents them. My expectation is they remove - not dispute the credit item ASAP. I will vigorously pursue this as this company is not ethical.
Regards,
[redacted]