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]
Complaint: [redacted]
I am rejecting this response because:Second Round LP continues to violate my the Truth in Lending Act, Fair Credit Billing Act, Fair and Credit Report Act.I demand Second Round LP:1) Provide the actual credit card contract collecting debt for.2) Provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the State Laws that the agreement and account are governed plus other facts.3) Provide an itemized account of all transactions and receipts. 4) Provide copies of the amount paid and/or the consideration due for the alleged contract/account.5) Provide evidence of authorization of Second Round LP to do business, collect debts and/or operate in the Texas.6) Provide any and all notices sent in regards to this account demanding payment.7) Provide copies of all statements generated while this alleged account was open.8) Provide a complete and accurate history of the interest charged on this alleged account. Show the exact dates those interest rates changed and list the various rates that were charged during this debt and the exact method of amortization.9) Provide the original dunning letter that was sent.10) Provide all notices sent to in regards to account announcing transfer and/or assignment of credit card account from [redacted] to Second Round LP11) Provide copy of agreement with [redacted] that grants Second Round LP the authority to collect this alleged debt.Let this serve as your 30 day notice to provide debt validation.
Regards,
[redacted]
Second Round is in receipt of Mr. [redacted]s 2nd rejected response. We 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 agencies. Mr. [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 deleted. Tell us why here...
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 [redacted]s 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 callsand notes from our servicer we have decided to close this account and delete itfrom the credit bureau. We have asked our servicer to provide proof they haveproper controls to assure all required verifications take place. The account in question is for a checking account. Because ofthe age of the account we are willing to close the account. Any adverse informationthat may have appeared on [redacted]s credit report will be removed. SecondRound Sub is owned by Second Round, LP which is licensed as a collection agencyin the state of Florida.
Second Round is in receipt of the complaint by Ms. [redacted] and we are investigating the 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 determined Second Round reported accurately to the credit bureau. Ms. [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 10/4/2016 to [redacted]. Second Round responded to Ms. [redacted]’s dispute dated 6/5/2017 with account level detail and billing statements. Second 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).
Hello,I have attached itemized statements from your purchases. Thecalculations are explained in the statements we have provided you. If you didnot authorize these transactions, your name was forged, or you have been thevictim of identity theft please provide documentation. The original creditor isidentified in the statements we sent you and was identified prior to youraccount going to our attorneys. The statute of limitations has not runout. You can search our company throughthe Texas secretary of state to see we are in good standings, and ourregistered agent will be listed as well. Again, we are here to help in any manner we can. I willcontinue my investigation as required and will respond once I have completed.If this is fraud, or identity theft please forward the appropriate documents tous. I should have all the call logs, copies of letters and account notes fromour law firm this week.
Complaint: [redacted]
I am rejecting this response because: The purported document/s are not what was requested which is actual statements from the alleged creditor. An invoice from the collection company does not suffice as proof and validation of the debt when I had no prior dealings with them, have not solicited services from them nor opened and credit lines or accounts with them. This response from the company is patently false and a blatant misrepresentation on their part.
Regards,
[redacted]
Complaint: [redacted]I am rejecting this response because:the response is just stating they would like more documents and need time to investigate, as it was outsourced already. As I stated before the proof of the validity of the debt has not been provided; and I still have not received the following, from 2nd Round:IF they can not provide me with the following then please have them remove the debt from my credit report, Thank you. · What the money you say I owe is for;· Explain and show me how you calculated what you say I owe;· Provide me with copies of any papers that show I agreed to pay what you say I owe;· Provide a verification or copy of any judgment if applicable;· Identify the original creditor;· Prove the Statute of Limitations has not expired on this account;· Show me that you are licensed to collect in my state; and· Provide me with your license numbers and Registered Agent.Regards,[redacted]
Hello, Second Round purchased this account from Synchrony Bank 12/8/2014. We recently received a letter from Mr. [redacted] offering to pay his account off at a reduced rate which we have passed on to our servicer. We are willing to work this out with Mr. [redacted], he can contact our manager during...
normal business hours, or he can ask for our compliance group.
Second Round is in receipt of the complaint by Mrs. [redacted] regarding her [redacted] Bank/[redacted] Credit Card account ending 2341. We have thoroughly investigated the matter. Second Round purchased this debt from [redacted] Bank on 9/29/2016. We placed the account with our administrator, [redacted]...
Asset Management, on 10/10/2016. On 1/19/2017, Second Round received an eOscar dispute through T[redacted] from Mrs. [redacted]. In accordance with the FCRA, on 1/20/2017 (within 30 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] Bank. The 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 3/25/15 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 2017. The supporting documentation provided to the consumer, thoroughly explains the origin of this debt. We 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 AGREED. Tell us why here...
In response to Ms. [redacted]’s rejection: Second Round legally purchased this debt from [redacted]. We are not the original creditor so there will be no billing statements. We did send statements from [redacted]. If Ms. [redacted] would like to contact our office to discuss this matter we’d be more than happy to review the account with her and make payment arrangements that would fit her budget. We are acting and will continue to act within the confines of all federal, state and local laws governing our industry.
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 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. Second Round did in fact purchase this account from [redacted]. The account was placed on Ms. [redacted]’s credit report for a balance due of 876.70. 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 9:00pm. If Mrs. [redacted] has any documentation (proof of payment ) to assist us in our investigation we would be happy to review. We will update her credit bureau to dispute, but we will continue reporting.
Second Round is in receipt of the Revdex.com complaint from Mr. [redacted]. Our records indicate that no law suit was filed on the account ending 8351. If Mr. [redacted] can provide the last 4 of the original account number and the name of the law firm and attorney that filed the suit against him, we can...
Tell us why here... Hello,We have updated the credit reporting agencies we report to as disputed, this was done upon her initial dispute. We also sent her an acknowledgment of her dispute. We have reviewed [redacted]’s documents and found she reaffirmed this debt, she continued to pay after the...
discharge date. I have enclosed a copy for her review. We sent such documentation to her previously but we are happy to send again.
Second Round is in receipt of the Revdex.com complaint from [redacted] and have investigated this matter. On 5/25/2016, Second Round purchased the consumers Sam's Club Personal Credit account ending 3497 from Synchrony Bank. Shortly after purchasing the account, Second Round placed the account with our...
Administrator, Crown Asset Management, so they could assign it to an agency for collection efforts. It is our standard practice to direct consumers to the Administrator once we have determined that the account has been placed with them. Crown Asset Management operates their phone lines between 8am – 5pm ET; we are not sure what date nor time the consumer attempted to contact Crown Asset Management. Crown Asset Management assigned the account with P&B Capital Group and their contact number is [redacted]. Based on the FDCPA’s requirements, validation notices must be sent to the consumer within 5 days of initial communication. If P&B Capital Group has not been able to communicate with the consumer, they would not have sent the validation notice yet. However, based on Second Round being contacted by consumer, via Revdex.com, we are sending out the validation notice to the consumer’s attorney, Law Offices of [redacted]. Tell us why here...
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]
Complaint: [redacted]
I am rejecting this response because:Second Round LP continues to violate my the Truth in Lending Act, Fair Credit Billing Act, Fair and Credit Report Act.I demand Second Round LP:1) Provide the actual credit card contract collecting debt for.2) Provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the State Laws that the agreement and account are governed plus other facts.3) Provide an itemized account of all transactions and receipts. 4) Provide copies of the amount paid and/or the consideration due for the alleged contract/account.5) Provide evidence of authorization of Second Round LP to do business, collect debts and/or operate in the Texas.6) Provide any and all notices sent in regards to this account demanding payment.7) Provide copies of all statements generated while this alleged account was open.8) Provide a complete and accurate history of the interest charged on this alleged account. Show the exact dates those interest rates changed and list the various rates that were charged during this debt and the exact method of amortization.9) Provide the original dunning letter that was sent.10) Provide all notices sent to in regards to account announcing transfer and/or assignment of credit card account from [redacted] to Second Round LP11) Provide copy of agreement with [redacted] that grants Second Round LP the authority to collect this alleged debt.Let this serve as your 30 day notice to provide debt validation.
Regards,
[redacted]
Second Round is in receipt of Mr. [redacted]s 2nd rejected response. We 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 agencies. Mr. [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 deleted. Tell us why here...
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]
I believe this is what your looking for.
Second Round LP is in receipt of complaint by [redacted]s 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 callsand notes from our servicer we have decided to close this account and delete itfrom the credit bureau. We have asked our servicer to provide proof they haveproper controls to assure all required verifications take place. The account in question is for a checking account. Because ofthe age of the account we are willing to close the account. Any adverse informationthat may have appeared on [redacted]s credit report will be removed. SecondRound Sub is owned by Second Round, LP which is licensed as a collection agencyin the state of Florida.
We have reviewed the complaint from Mr. [redacted]. We have closed the account and he will receive no further contact from our office.
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 the complaint, we have determined Second Round reported accurately to the credit bureau. Ms. [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 10/4/2016 to [redacted]. Second Round responded to Ms. [redacted]’s dispute dated 6/5/2017 with account level detail and billing statements. Second 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).
Hello,I have attached itemized statements from your purchases. Thecalculations are explained in the statements we have provided you. If you didnot authorize these transactions, your name was forged, or you have been thevictim of identity theft please provide documentation. The original creditor isidentified in the statements we sent you and was identified prior to youraccount going to our attorneys. The statute of limitations has not runout. You can search our company throughthe Texas secretary of state to see we are in good standings, and ourregistered agent will be listed as well. Again, we are here to help in any manner we can. I willcontinue my investigation as required and will respond once I have completed.If this is fraud, or identity theft please forward the appropriate documents tous. I should have all the call logs, copies of letters and account notes fromour law firm this week.
Complaint: [redacted]
I am rejecting this response because: The purported document/s are not what was requested which is actual statements from the alleged creditor. An invoice from the collection company does not suffice as proof and validation of the debt when I had no prior dealings with them, have not solicited services from them nor opened and credit lines or accounts with them. This response from the company is patently false and a blatant misrepresentation on their part.
Regards,
[redacted]
Complaint: [redacted]I am rejecting this response because:the response is just stating they would like more documents and need time to investigate, as it was outsourced already. As I stated before the proof of the validity of the debt has not been provided; and I still have not received the following, from 2nd Round:IF they can not provide me with the following then please have them remove the debt from my credit report, Thank you. · What the money you say I owe is for;· Explain and show me how you calculated what you say I owe;· Provide me with copies of any papers that show I agreed to pay what you say I owe;· Provide a verification or copy of any judgment if applicable;· Identify the original creditor;· Prove the Statute of Limitations has not expired on this account;· Show me that you are licensed to collect in my state; and· Provide me with your license numbers and Registered Agent.Regards,[redacted]
Hello, Second Round purchased this account from Synchrony Bank 12/8/2014. We recently received a letter from Mr. [redacted] offering to pay his account off at a reduced rate which we have passed on to our servicer. We are willing to work this out with Mr. [redacted], he can contact our manager during...
normal business hours, or he can ask for our compliance group.
Second Round is in receipt of the complaint by Mrs. [redacted] regarding her [redacted] Bank/[redacted] Credit Card account ending 2341. We have thoroughly investigated the matter. Second Round purchased this debt from [redacted] Bank on 9/29/2016. We placed the account with our administrator, [redacted]...
Asset Management, on 10/10/2016. On 1/19/2017, Second Round received an eOscar dispute through T[redacted] from Mrs. [redacted]. In accordance with the FCRA, on 1/20/2017 (within 30 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] Bank. The 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 3/25/15 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 2017. The supporting documentation provided to the consumer, thoroughly explains the origin of this debt. We 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 AGREED. Tell us why here...
In response to Ms. [redacted]’s rejection: Second Round legally purchased this debt from [redacted]. We are not the original creditor so there will be no billing statements. We did send statements from [redacted]. If Ms. [redacted] would like to contact our office to discuss this matter we’d be more than happy to review the account with her and make payment arrangements that would fit her budget. We are acting and will continue to act within the confines of all federal, state and local laws governing our industry.
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 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. Second Round did in fact purchase this account from [redacted]. The account was placed on Ms. [redacted]’s credit report for a balance due of 876.70. 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 9:00pm. If Mrs. [redacted] has any documentation (proof of payment ) to assist us in our investigation we would be happy to review. We will update her credit bureau to dispute, but we will continue reporting.
Second Round is in receipt of the Revdex.com complaint from Mr. [redacted]. Our records indicate that no law suit was filed on the account ending 8351. If Mr. [redacted] can provide the last 4 of the original account number and the name of the law firm and attorney that filed the suit against him, we can...
investigate further. Tell us why here...
Tell us why here... Hello,We have updated the credit reporting agencies we report to as disputed, this was done upon her initial dispute. We also sent her an acknowledgment of her dispute. We have reviewed [redacted]’s documents and found she reaffirmed this debt, she continued to pay after the...
discharge date. I have enclosed a copy for her review. We sent such documentation to her previously but we are happy to send again.
Complaint: [redacted]
I am rejecting this response because: Everything that was stated in that email is a flat out lie!
Regards,
[redacted]
Second Round is in receipt of the Revdex.com complaint from [redacted] and have investigated this matter. On 5/25/2016, Second Round purchased the consumers Sam's Club Personal Credit account ending 3497 from Synchrony Bank. Shortly after purchasing the account, Second Round placed the account with our...
Administrator, Crown Asset Management, so they could assign it to an agency for collection efforts. It is our standard practice to direct consumers to the Administrator once we have determined that the account has been placed with them. Crown Asset Management operates their phone lines between 8am – 5pm ET; we are not sure what date nor time the consumer attempted to contact Crown Asset Management. Crown Asset Management assigned the account with P&B Capital Group and their contact number is [redacted]. Based on the FDCPA’s requirements, validation notices must be sent to the consumer within 5 days of initial communication. If P&B Capital Group has not been able to communicate with the consumer, they would not have sent the validation notice yet. However, based on Second Round being contacted by consumer, via Revdex.com, we are sending out the validation notice to the consumer’s attorney, Law Offices of [redacted]. Tell us why here...