Second Round is in receipt of the Revdex.com complaint from Mr [redacted] 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 [redacted] ’s account, his last payment to the original creditor was on 3/10/and the account was charged off 3/19/2013, respectivelyMr [redacted] 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 [redacted] 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 [redacted] does not wish to be contacted regarding this matter any furtherTell us why here
Second Round is in receipt of Mr [redacted] ’s Revdex.com responseWe have enclosed the Charge Off Statement that was provided to us by Synchrony Bank f/k/a GE Capital Retail BankThis statement reflects a last payment date of March 10, and a charge off date of March 19, Our records indicate that the final payment was returnedAfter 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, Our policy is to place accounts on hold when we receive a dispute from our consumers while their accounts are assigned to our servicersThis allows time for a thorough investigation into their disputeOur servicer, discontinued working this account in October and we did not reactivate their efforts until March 2016, after we completed our investigationOur 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 ServiceMr [redacted] was served on July 10, and the state of Washington requires a signature proof of service before suit can be filedSuit 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
Second Round purchased this debt on 3/18/We have made numerous calls to the Consumer since March 20, 2013.He has never answered our calls or called us, so there has been no conversations whatsoever.Second Round has the proper documentation to support the fact that it owns this debt.It is an HSBA Consumer Lending (USA) Incdebt that the Consumer opened on 11/7/and stopped paying around January 2011.It is not past the statute of limitations and is collectable.If the consumer would like to share with us what he is disputing, or contact us by phone, that would be great.Second Round is properly and legally reporting this past due account to Trans Union and ExperianWe do not report to Equifax at all, and never haveAs to the name, yes the full name is not listedWe can correct that on the credit bureauplease let me know if you need additional information[redacted] ?
Complaint: [redacted] I am rejecting this response because: I have NO IDEA what this is and it has been showing up on my credit report I have been sending letters with all of the information provided on my reports but NEVER get any replies This is the FIRST time anyone has responded to me about these alleged debts As for ***, I had their service for exactly five days and when I realized they had no service in my home I cancelled it...just as they told me I could do if it didn't work out without any repercussions.If that was the case, why would they send my info to a collection agency and if you are not collecting a debt or reporting it then WHY is it on my credit reports? Also, I have not had a single written response OR explanation of ANY debt held by Second Round OR any proof that I actually owe any debts that you claim I have If you cannot provide ALL of this information to me for ANY AND ALL collections that you allege I have with Second Round, then I want EVERYTHING associated with Second Round PROMPTLY REMOVED from my credit report IMMEDIATELY Regards, [redacted] ***
Second Round LP is in receipt of complaint by Ms [redacted] and isinvestigating the matterSecond Round LP takes pride in the fact we treat allconsumers with respect and dignityOur staff is well trained and has a strongcommitment to customer serviceWe take every consumer communication as anopportunity to build bridges and provide real solutionsSecond Round LP staffmembers are responsible for assuring each consumer interaction is positive andconstructiveWe work diligently daily to apply and live by all regulatoryrules and laws that govern our industry.Second Round will cease all calls to Ms [redacted] ’s place ofemployment immediatelySecond Round does have the authority to continuereporting this account to the credit bureauMs [redacted] is incorrect in her assumptionwe can no longer report this account to the credit bureau due to the age of thedebt
This company has complied with all of the requests made by this Consumer We are closing the dispute on our end as it has been properly addressed and responded to Thank you, [redacted]
Second Round is in receipt of the Revdex.com complaint from [redacted] and have investigated this matterOn 5/25/2016, Second Round purchased the consumers Sam's Club Personal Credit account ending from Synchrony BankShortly 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 effortsIt is our standard practice to direct consumers to the Administrator once we have determined that the account has been placed with themCrown 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 ManagementCrown 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 days of initial communicationIf P&B Capital Group has not been able to communicate with the consumer, they would not have sent the validation notice yetHowever, 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
Tell us why hereHello, We have updated the credit reporting agencies we report to as disputed, this was done upon her initial disputeWe also sent her an acknowledgment of her disputeWe have reviewed [redacted] ***’s documents and found she reaffirmed this debt, she continued to pay after the discharge dateI have enclosed a copy for her reviewWe sent such documentation to her previously but we are happy to send again
Second Round LP is in receipt of complaint by [redacted] s and weare investigating the matterSecond Round LP takes pride in the fact we treatall consumers with respect and dignityOur staff is well trained and has astrong commitment to customer serviceWe take every consumer communication asan opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe work diligently daily to apply and live by allregulatory rules and laws that govern our industryAfter reviewing the callsand notes from our servicer we have decided to close this account and delete itfrom the credit bureauWe have asked our servicer to provide proof they haveproper controls to assure all required verifications take placeThe account in question is for a checking accountBecause ofthe age of the account we are willing to close the accountAny adverse informationthat may have appeared on [redacted] s credit report will be removedSecondRound Sub is owned by Second Round, LP which is licensed as a collection agencyin the state of Florida
Second Round has never spoken to this consumer The last time any contact was attempted was August 2013, when a letter was sent There have been no phone call attempts whatsoever since June There has been no requests for information made to Second Round We have never spoken with Mr [redacted] , nor received any type of correspondence from him I have matched his name and social security number, and address to this account The original issuer is MTE Financial Services If Mr [redacted] would contact us, by phone, mail, or even email, we would be glad to share any information he needs I have notated his account that he wants no calls and no letters Because Second Round is bound by law to report complete and accurate information to the credit bureau, we will report this account as Disputed Please contact me if there are any additional questions Thank you, [redacted] / [redacted] for Second Round
Second Round is in receipt of Mr [redacted] s 2nd rejected responseWe have complied with the FDCPA and the NYSDFS requirements under the law; however, if Mr [redacted] is not interested in resolving a debt that he was making payment on as recently as April 17, 2015, then Second Round will extinguish the debt and submit a trade line deletion to the credit reporting agenciesMr [redacted] should understand that Second Round is not responsible for ensuring that the credit reporting agencies honor its request and will not be liable should its request not be honored However, if the deletion request is not honored and Second Round receives, in the future, an inquiry from a credit reporting agency concerning the debt, it will confirm in response to that inquiry that the trade line should have been deleted Tell us why here
Complaint: [redacted] 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, [redacted]
Complaint: [redacted] I am rejecting this response because: [redacted] is not addressing the issue or resolving itShe is only stating this because this is an official Revdex.com complaint but she won't do anything at all about it if I contact them privatelyThe first letter that I received from you was in September (see attachment A) and I replied right awaySince I didn’t hear from you I sent another certified with return receipt letterYour company ignored all my attempts to get in touch with you until I filed a complaint with CFPB and this complaint with Revdex.comYour company even ignored this complaint until I called them out to CFPB (see attachment B)My letter was received by you (See attachment C with delivery confirmation and signature of person who signed forit) so don’t say that I ignored you when it was the other way aroundI’ve been nothing but patient with your companyIt’s extremely frustrating to get ignoredI only have an amount, an account number of an alleged debtAll I was asking for was proper verification/proof/investigation from youObviously, you have declined to cooperateNow, because this is Revdex.com you say that you have evidence that the account belongs to meWell that’s what I’ve tried to figure out for months now so please feel free to attach that evidence, like a statement or an itemized billing invoice that bears my name and listing of all charges which would satisfactorily prove this alleged debt to be mineATTACHMENT PLEASE!!!!Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutesHere a few random notes of your account and how is unreliableWhy should I believe what you say? - As you know, the Fair Debt Collection Practices Act requires that all collection efforts cease until such a time that full and complete validation is sentAs you must further know, placing a new collection trade line on a consumer credit report constitutes continuedcollection practicesThis is in violation of the Fair Debt Collection Practices Act §1692g-b as I mentioned earlier, you have reported on January 2nd 2015.- Your company is only reporting a partial name but not my full nameMy last name “PELAEZ” is nowhere to be found.- Your company reported different dates on Experian and TransUnion where this alleged debt was first assignedThis FDCPA falls under [USC 1692e] (2)(A) (See Attachment E)- Your company is reporting this account as CLOSED with Experian and as being OPEN with TransUnionThis FDCPA falls under [USC 1692e] (2)(A) An account can either be open or closed(See Attachment E)- Your company has failed to mark my Experian credit report as disputedThis violation falls under [USC 1692e] § (8).- Your company violates FDCPA USC 1692e(8) by communicating credit information which is known or which should be known to be false, by reporting the accounts with different information and data depending of the credit agency.- Your company violates FCRA U.S.C§1681s-(a)(1)(A) for knowingly reporting inaccurate information to a consumer reporting agency.- With respect to the "Credit Limit: $1,506.00" notation on my reports: I do not have any known type of agreement or contract in writing or otherwise with your company, or the alleged original creditor that creates any type of “Credit Limit” with respect to this accountReporting this collection account with a “Credit Limit” seems to imply that I have an “open account” with the collection agency, and that they have extended me creditA collection agency obviously cannot extend credit to a consumer.- Funny fact is that the alleged original creditor is not even reporting this alleged debt on my credit report (Equifax, TransUnion and Expedia)- With respect to the “Collection account$1,past due” notation on my credit reports: I do not have any known type of agreement or contract in writing or otherwise with your company or the alleged original creditor that creates or procures any type of “Past Due” amount owedReporting this collection account “Past Due” for the full amount of the alleged “Credit Limit” is an obvious attempt to further damage my credit report by showing “100% Utilization” of a credit line that may not even legitimately exist.These are only some notes I took and I wanted to share but there are a few more.Each violation carry a $fine, as allowed per the FDCPAI am requesting that this account be deleted from all of my credit reports within days, or I will be be consulting with legal counsel for suit regarding violationsPlease re-consider to DELETE this account Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:the vehicle information listed on the Notice Of Lien Release, [redacted] VIN# [redacted] , 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 [redacted] VIN# [redacted] 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, [redacted] ***
Second Round LP is in receipt of complaint by Mr [redacted] and weare investigating the matterSecond Round LP takes pride in the fact we treatall consumers with respect and dignityOur staff is well trained and has astrong commitment to customer serviceWe take every consumer communication asan opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe 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, 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 complaintPlease forward to us any additionalinformation to assist us so we can resolve this matterWe are also in theprocess of sending Mr [redacted] itemized statements of the charges
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 documentThey were hired by [redacted] ***, which is the firm that Second Round initially assigned to service the account in August 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 On August 17, 2016, Second Round received an eOscar dispute from Mrs [redacted] stating that she disputed the Current BalanceAt that time, we submitted a Dispute mark through eOscar and started researching the balance on the accountOn 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 courtsWe immediately investigated this with the Law Offices of [redacted] and they confirmed that this case was dismissed with prejudice in July 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
Second Round is removing this from the Consumer's credit report Second Round has never received the money, however Global went out of business and may have kept the money Our policy is to do what is best for the Consumer, even if it is a loss for Second Round The account is being removed today [redacted] , Atty
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 If Mr [redacted] can provide the last of the original account number and the name of the law firm and attorney that filed the suit against him, we can investigate furtherTell us why here
Hello, Second Round purchased this account from Synchrony Bank 12/8/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 servicerWe are willing to work this out with Mr***, he can contact our manager during business hours, or he can ask for our compliance group
Second Round is in receipt of the Revdex.com complaint from Mr [redacted] 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 [redacted] ’s account, his last payment to the original creditor was on 3/10/and the account was charged off 3/19/2013, respectivelyMr [redacted] 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 [redacted] 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 [redacted] does not wish to be contacted regarding this matter any furtherTell us why here
Second Round is in receipt of Mr [redacted] ’s Revdex.com responseWe have enclosed the Charge Off Statement that was provided to us by Synchrony Bank f/k/a GE Capital Retail BankThis statement reflects a last payment date of March 10, and a charge off date of March 19, Our records indicate that the final payment was returnedAfter 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, Our policy is to place accounts on hold when we receive a dispute from our consumers while their accounts are assigned to our servicersThis allows time for a thorough investigation into their disputeOur servicer, discontinued working this account in October and we did not reactivate their efforts until March 2016, after we completed our investigationOur 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 ServiceMr [redacted] was served on July 10, and the state of Washington requires a signature proof of service before suit can be filedSuit 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
Second Round purchased this debt on 3/18/We have made numerous calls to the Consumer since March 20, 2013.He has never answered our calls or called us, so there has been no conversations whatsoever.Second Round has the proper documentation to support the fact that it owns this debt.It is an HSBA Consumer Lending (USA) Incdebt that the Consumer opened on 11/7/and stopped paying around January 2011.It is not past the statute of limitations and is collectable.If the consumer would like to share with us what he is disputing, or contact us by phone, that would be great.Second Round is properly and legally reporting this past due account to Trans Union and ExperianWe do not report to Equifax at all, and never haveAs to the name, yes the full name is not listedWe can correct that on the credit bureauplease let me know if you need additional information[redacted] ?
Complaint: [redacted] I am rejecting this response because: I have NO IDEA what this is and it has been showing up on my credit report I have been sending letters with all of the information provided on my reports but NEVER get any replies This is the FIRST time anyone has responded to me about these alleged debts As for ***, I had their service for exactly five days and when I realized they had no service in my home I cancelled it...just as they told me I could do if it didn't work out without any repercussions.If that was the case, why would they send my info to a collection agency and if you are not collecting a debt or reporting it then WHY is it on my credit reports? Also, I have not had a single written response OR explanation of ANY debt held by Second Round OR any proof that I actually owe any debts that you claim I have If you cannot provide ALL of this information to me for ANY AND ALL collections that you allege I have with Second Round, then I want EVERYTHING associated with Second Round PROMPTLY REMOVED from my credit report IMMEDIATELY Regards, [redacted] ***
Second Round LP is in receipt of complaint by Ms [redacted] and isinvestigating the matterSecond Round LP takes pride in the fact we treat allconsumers with respect and dignityOur staff is well trained and has a strongcommitment to customer serviceWe take every consumer communication as anopportunity to build bridges and provide real solutionsSecond Round LP staffmembers are responsible for assuring each consumer interaction is positive andconstructiveWe work diligently daily to apply and live by all regulatoryrules and laws that govern our industry.Second Round will cease all calls to Ms [redacted] ’s place ofemployment immediatelySecond Round does have the authority to continuereporting this account to the credit bureauMs [redacted] is incorrect in her assumptionwe can no longer report this account to the credit bureau due to the age of thedebt
This company has complied with all of the requests made by this Consumer We are closing the dispute on our end as it has been properly addressed and responded to Thank you, [redacted]
Second Round is in receipt of the Revdex.com complaint from [redacted] and have investigated this matterOn 5/25/2016, Second Round purchased the consumers Sam's Club Personal Credit account ending from Synchrony BankShortly 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 effortsIt is our standard practice to direct consumers to the Administrator once we have determined that the account has been placed with themCrown 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 ManagementCrown 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 days of initial communicationIf P&B Capital Group has not been able to communicate with the consumer, they would not have sent the validation notice yetHowever, 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
Tell us why hereHello, We have updated the credit reporting agencies we report to as disputed, this was done upon her initial disputeWe also sent her an acknowledgment of her disputeWe have reviewed [redacted] ***’s documents and found she reaffirmed this debt, she continued to pay after the discharge dateI have enclosed a copy for her reviewWe sent such documentation to her previously but we are happy to send again
Second Round LP is in receipt of complaint by [redacted] s and weare investigating the matterSecond Round LP takes pride in the fact we treatall consumers with respect and dignityOur staff is well trained and has astrong commitment to customer serviceWe take every consumer communication asan opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe work diligently daily to apply and live by allregulatory rules and laws that govern our industryAfter reviewing the callsand notes from our servicer we have decided to close this account and delete itfrom the credit bureauWe have asked our servicer to provide proof they haveproper controls to assure all required verifications take placeThe account in question is for a checking accountBecause ofthe age of the account we are willing to close the accountAny adverse informationthat may have appeared on [redacted] s credit report will be removedSecondRound Sub is owned by Second Round, LP which is licensed as a collection agencyin the state of Florida
Second Round has never spoken to this consumer The last time any contact was attempted was August 2013, when a letter was sent There have been no phone call attempts whatsoever since June There has been no requests for information made to Second Round We have never spoken with Mr [redacted] , nor received any type of correspondence from him I have matched his name and social security number, and address to this account The original issuer is MTE Financial Services If Mr [redacted] would contact us, by phone, mail, or even email, we would be glad to share any information he needs I have notated his account that he wants no calls and no letters Because Second Round is bound by law to report complete and accurate information to the credit bureau, we will report this account as Disputed Please contact me if there are any additional questions Thank you, [redacted] / [redacted] for Second Round
Second Round is in receipt of Mr [redacted] s 2nd rejected responseWe have complied with the FDCPA and the NYSDFS requirements under the law; however, if Mr [redacted] is not interested in resolving a debt that he was making payment on as recently as April 17, 2015, then Second Round will extinguish the debt and submit a trade line deletion to the credit reporting agenciesMr [redacted] should understand that Second Round is not responsible for ensuring that the credit reporting agencies honor its request and will not be liable should its request not be honored However, if the deletion request is not honored and Second Round receives, in the future, an inquiry from a credit reporting agency concerning the debt, it will confirm in response to that inquiry that the trade line should have been deleted Tell us why here
Complaint: [redacted] 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, [redacted]
Complaint: [redacted] I am rejecting this response because: [redacted] is not addressing the issue or resolving itShe is only stating this because this is an official Revdex.com complaint but she won't do anything at all about it if I contact them privatelyThe first letter that I received from you was in September (see attachment A) and I replied right awaySince I didn’t hear from you I sent another certified with return receipt letterYour company ignored all my attempts to get in touch with you until I filed a complaint with CFPB and this complaint with Revdex.comYour company even ignored this complaint until I called them out to CFPB (see attachment B)My letter was received by you (See attachment C with delivery confirmation and signature of person who signed forit) so don’t say that I ignored you when it was the other way aroundI’ve been nothing but patient with your companyIt’s extremely frustrating to get ignoredI only have an amount, an account number of an alleged debtAll I was asking for was proper verification/proof/investigation from youObviously, you have declined to cooperateNow, because this is Revdex.com you say that you have evidence that the account belongs to meWell that’s what I’ve tried to figure out for months now so please feel free to attach that evidence, like a statement or an itemized billing invoice that bears my name and listing of all charges which would satisfactorily prove this alleged debt to be mineATTACHMENT PLEASE!!!!Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutesHere a few random notes of your account and how is unreliableWhy should I believe what you say? - As you know, the Fair Debt Collection Practices Act requires that all collection efforts cease until such a time that full and complete validation is sentAs you must further know, placing a new collection trade line on a consumer credit report constitutes continuedcollection practicesThis is in violation of the Fair Debt Collection Practices Act §1692g-b as I mentioned earlier, you have reported on January 2nd 2015.- Your company is only reporting a partial name but not my full nameMy last name “PELAEZ” is nowhere to be found.- Your company reported different dates on Experian and TransUnion where this alleged debt was first assignedThis FDCPA falls under [USC 1692e] (2)(A) (See Attachment E)- Your company is reporting this account as CLOSED with Experian and as being OPEN with TransUnionThis FDCPA falls under [USC 1692e] (2)(A) An account can either be open or closed(See Attachment E)- Your company has failed to mark my Experian credit report as disputedThis violation falls under [USC 1692e] § (8).- Your company violates FDCPA USC 1692e(8) by communicating credit information which is known or which should be known to be false, by reporting the accounts with different information and data depending of the credit agency.- Your company violates FCRA U.S.C§1681s-(a)(1)(A) for knowingly reporting inaccurate information to a consumer reporting agency.- With respect to the "Credit Limit: $1,506.00" notation on my reports: I do not have any known type of agreement or contract in writing or otherwise with your company, or the alleged original creditor that creates any type of “Credit Limit” with respect to this accountReporting this collection account with a “Credit Limit” seems to imply that I have an “open account” with the collection agency, and that they have extended me creditA collection agency obviously cannot extend credit to a consumer.- Funny fact is that the alleged original creditor is not even reporting this alleged debt on my credit report (Equifax, TransUnion and Expedia)- With respect to the “Collection account$1,past due” notation on my credit reports: I do not have any known type of agreement or contract in writing or otherwise with your company or the alleged original creditor that creates or procures any type of “Past Due” amount owedReporting this collection account “Past Due” for the full amount of the alleged “Credit Limit” is an obvious attempt to further damage my credit report by showing “100% Utilization” of a credit line that may not even legitimately exist.These are only some notes I took and I wanted to share but there are a few more.Each violation carry a $fine, as allowed per the FDCPAI am requesting that this account be deleted from all of my credit reports within days, or I will be be consulting with legal counsel for suit regarding violationsPlease re-consider to DELETE this account Regards, [redacted]
Second Round will remove this from the consumers CBR and cease collection efforts
Complaint: [redacted] I am rejecting this response because:the vehicle information listed on the Notice Of Lien Release, [redacted] VIN# [redacted] , 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 [redacted] VIN# [redacted] 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, [redacted] ***
Second Round LP is in receipt of complaint by Mr [redacted] and weare investigating the matterSecond Round LP takes pride in the fact we treatall consumers with respect and dignityOur staff is well trained and has astrong commitment to customer serviceWe take every consumer communication asan opportunity to build bridges and provide real solutionsSecond Round LPstaff members are responsible for assuring each consumer interaction ispositive and constructiveWe 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, 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 complaintPlease forward to us any additionalinformation to assist us so we can resolve this matterWe are also in theprocess of sending Mr [redacted] itemized statements of the charges
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 documentThey were hired by [redacted] ***, which is the firm that Second Round initially assigned to service the account in August 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 On August 17, 2016, Second Round received an eOscar dispute from Mrs [redacted] stating that she disputed the Current BalanceAt that time, we submitted a Dispute mark through eOscar and started researching the balance on the accountOn 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 courtsWe immediately investigated this with the Law Offices of [redacted] and they confirmed that this case was dismissed with prejudice in July 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
Second Round is removing this from the Consumer's credit report Second Round has never received the money, however Global went out of business and may have kept the money Our policy is to do what is best for the Consumer, even if it is a loss for Second Round The account is being removed today [redacted] , Atty
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 If Mr [redacted] can provide the last of the original account number and the name of the law firm and attorney that filed the suit against him, we can investigate furtherTell us why here
Hello, Second Round purchased this account from Synchrony Bank 12/8/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 servicerWe are willing to work this out with Mr***, he can contact our manager during business hours, or he can ask for our compliance group