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 meI would appreciate if the business would mail me a written letter stating that they have closed this account in their office and have removed it from my credit reports Regards, [redacted] ***
Hello [redacted] , Second Round deleted this from the credit report of [redacted] on 9/8/Can you let her know that is our responseI believe that’s all she wanted Thanks [redacted] Second Round, L.PChief Compliance Officer
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 Revdex.com complaint from [redacted] and we have investigated this matterOn 5/25/2016, Second Round purchased the consumers Synchrony Bank/Care Credit account ending On June 2, 2016, Second Round mailed out the Notice of Assignment letter to Mrs [redacted] , as required under Florida StatuteOn August 24, 2016, Second Round mailed out a letter to Mrs [redacted] offering her options to take care of this debtMrs [redacted] called Second Round on 12/9/to inquire about the accountDue to the Fair Debt Collections Practices Acts requirement to verify that debt collectors are speaking to the correct party PRIOR to disclosure of any details related to the debt, our collection agent asked Mrs [redacted] to verify specific pieces of information, such as the last four digits of her social security number or her date of birth and addressMrs [redacted] was not comfortable verifying this information over the phoneAs a result of the collection agent seeking to remain compliant with federal regulations, she informed Mrs [redacted] that she could not proceed with providing details about why Second Round sent communication to herMrs [redacted] did provide her phone number but that is not one of the required verification items to ensure that we are speaking to the right party (actual debtor)We would be more than happy to work with Mrs [redacted] ; however, each time she calls, the collection agents will be required to verify the following pieces of information: Her first and last name Her address Either the last digits of her social security number or her date of birth The collection agents will be required to state the mini Miranda and make a statement that calls are being recorded or monitored for quality assurance Once they have verified these pieces of information and made the required disclosures, the collection agent can provide her with exact details related to this debt Tell us why here
Second Round LP is in receipt of the complaint by Ms [redacted] and we have investigated the matterSecond Round LP takes pride in the fact that we treat all consumers with respect and dignityOur staff is well trained and has a strong commitment to customer serviceWe take every consumer communication as an opportunity to build bridges and provide real solutionsSecond Round LP’s staff members are responsible for assuring each consumer interaction is positive and constructiveWe work diligently daily to apply and live by all regulatory rules and laws that govern our industryIn the best interest of Ms [redacted] and in an effort to maintain our core values of customer centricity, we have marked the credit report as Disputed and have requested that Synchrony Bank review this account to confirm the consumer is working with the bank to resolve thisWe will place this account on hold until we receive a response
We are in receipt of Mrs [redacted] ’s complaintIf Mrs[redacted] still needs help with the letter we sent please ask her to contact ouroffice and ask for our V.Pof Recovery and she will help herWe did updateher account as disputed and will provide further assistance when she calls in
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 meRegards, [redacted]
There is not a year statute of limitations for reporting on credit bureausAn account in collections can be reported up to seven years from the date of last activity The FCRA determines how long, not the state It is not a state specific rule, but a federally mandated statute Second Round is properly reporting the delinquent collection account to the credit reporting agencies [redacted]
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]
Hello, On 11/3/Second Round mailed Mrs [redacted] acknowledgement of her dispute along with documents supporting our claims to the addressed provided by her 10/27/If this address is incorrect please ask her to contact usOur number is [redacted] We have updated her credit bureau as disputed
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 meI would appreciate if the business would mail me a written letter stating that they have closed this account in their office and have removed it from my credit reports Regards, [redacted] ***
Second Round is in receipt of the rejected Revdex.com response from [redacted] Second Round purchased this Synchrony Bank account ending (Sam's Club Personal Credit) from Synchrony Bank on 5/25/Second Round is following the guidelines of the state and FCRA as it relates to credit reporting this debtWe have no knowledge as to whether the original creditor is credit reporting this debt as wellIn our previous response, we provided the contact number to the agency that is servicing this debt; it is also provided belowP&B Capital Group will be more than happy to assist [redacted] with a resolution to this debtIn regards to the age of the debt, according to the information we received from the original creditor, the account was opened on 4/8/2012, the last payment date was 7/11/and the first default date was 8/29/Neither, New York nor Kentucky (addresses we have received for the consumer’s attorney and the consumer) have statute of limitations that are less than years; therefore, this debt is still considered collectible under the lawSecond Round also mailed out a validation letter to the Law Office of [redacted] on 11/4/ P&B Capital Group and their contact number is [redacted] Tell us why here
Complaint: [redacted] I am rejecting this response because: Regards, I would like to receive proof of date of last activity on my end Also if that is the case, then this debt should reflect that date, not The original creditor Santander-reports it's and still reports it has a debt that was discharged through bankruptcy So this looks like a new debt [redacted] ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards, *** *** ***
Second Round is in receipt of the complaint by Mr*** and we have investigated the matterAfter reviewing the complaint we have decided to close
his account in our office, and delete our entry from the credit report
The account is on hold as we are waiting for GE to send us the information on this accountWe are not calling or attempting to collect at this time
We have marked the account as "disputed" on the Consumer's credit report until we have the validation to forward to him
Hello,Second Round purchased the debt from SYF and outsourced itfor recoveryMrs*** received a validation letter from our law firm on April8, We have also mailed the charge off statement, the last paymentstatement, and a letter acknowledging the dispute requesting
additional informationto aid in our investigationMrs***’s account has been updated to the creditbureau as disputed and is currently on hold
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 meI would appreciate if the business would mail me a written letter stating that they have closed this account in their office and have removed it from my credit reports Regards, [redacted] ***
Complaint: [redacted] This business's non-responsive answers speak for themselves Regards, [redacted]
Hello [redacted] , Second Round deleted this from the credit report of [redacted] on 9/8/Can you let her know that is our responseI believe that’s all she wanted Thanks [redacted] Second Round, L.PChief Compliance Officer
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]
The original creditor is [redacted] *** verification is being pulled to send to the consumer***
Second Round is in receipt of the Revdex.com complaint from [redacted] and we have investigated this matterOn 5/25/2016, Second Round purchased the consumers Synchrony Bank/Care Credit account ending On June 2, 2016, Second Round mailed out the Notice of Assignment letter to Mrs [redacted] , as required under Florida StatuteOn August 24, 2016, Second Round mailed out a letter to Mrs [redacted] offering her options to take care of this debtMrs [redacted] called Second Round on 12/9/to inquire about the accountDue to the Fair Debt Collections Practices Acts requirement to verify that debt collectors are speaking to the correct party PRIOR to disclosure of any details related to the debt, our collection agent asked Mrs [redacted] to verify specific pieces of information, such as the last four digits of her social security number or her date of birth and addressMrs [redacted] was not comfortable verifying this information over the phoneAs a result of the collection agent seeking to remain compliant with federal regulations, she informed Mrs [redacted] that she could not proceed with providing details about why Second Round sent communication to herMrs [redacted] did provide her phone number but that is not one of the required verification items to ensure that we are speaking to the right party (actual debtor)We would be more than happy to work with Mrs [redacted] ; however, each time she calls, the collection agents will be required to verify the following pieces of information: Her first and last name Her address Either the last digits of her social security number or her date of birth The collection agents will be required to state the mini Miranda and make a statement that calls are being recorded or monitored for quality assurance Once they have verified these pieces of information and made the required disclosures, the collection agent can provide her with exact details related to this debt Tell us why here
Second Round LP is in receipt of the complaint by Ms [redacted] and we have investigated the matterSecond Round LP takes pride in the fact that we treat all consumers with respect and dignityOur staff is well trained and has a strong commitment to customer serviceWe take every consumer communication as an opportunity to build bridges and provide real solutionsSecond Round LP’s staff members are responsible for assuring each consumer interaction is positive and constructiveWe work diligently daily to apply and live by all regulatory rules and laws that govern our industryIn the best interest of Ms [redacted] and in an effort to maintain our core values of customer centricity, we have marked the credit report as Disputed and have requested that Synchrony Bank review this account to confirm the consumer is working with the bank to resolve thisWe will place this account on hold until we receive a response
Second Round has removed the entry from any credit reporting agency it provides information toThe account has been closed in our office as well
We are in receipt of Mrs [redacted] ’s complaintIf Mrs[redacted] still needs help with the letter we sent please ask her to contact ouroffice and ask for our V.Pof Recovery and she will help herWe did updateher account as disputed and will provide further assistance when she calls in
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 meRegards, [redacted]
There is not a year statute of limitations for reporting on credit bureausAn account in collections can be reported up to seven years from the date of last activity The FCRA determines how long, not the state It is not a state specific rule, but a federally mandated statute Second Round is properly reporting the delinquent collection account to the credit reporting agencies [redacted]
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]
Hello, On 11/3/Second Round mailed Mrs [redacted] acknowledgement of her dispute along with documents supporting our claims to the addressed provided by her 10/27/If this address is incorrect please ask her to contact usOur number is [redacted] We have updated her credit bureau as disputed
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 meI would appreciate if the business would mail me a written letter stating that they have closed this account in their office and have removed it from my credit reports Regards, [redacted] ***
Second Round is in receipt of the rejected Revdex.com response from [redacted] Second Round purchased this Synchrony Bank account ending (Sam's Club Personal Credit) from Synchrony Bank on 5/25/Second Round is following the guidelines of the state and FCRA as it relates to credit reporting this debtWe have no knowledge as to whether the original creditor is credit reporting this debt as wellIn our previous response, we provided the contact number to the agency that is servicing this debt; it is also provided belowP&B Capital Group will be more than happy to assist [redacted] with a resolution to this debtIn regards to the age of the debt, according to the information we received from the original creditor, the account was opened on 4/8/2012, the last payment date was 7/11/and the first default date was 8/29/Neither, New York nor Kentucky (addresses we have received for the consumer’s attorney and the consumer) have statute of limitations that are less than years; therefore, this debt is still considered collectible under the lawSecond Round also mailed out a validation letter to the Law Office of [redacted] on 11/4/ P&B Capital Group and their contact number is [redacted] Tell us why here
Complaint: [redacted] I am rejecting this response because: Regards, I would like to receive proof of date of last activity on my end Also if that is the case, then this debt should reflect that date, not The original creditor Santander-reports it's and still reports it has a debt that was discharged through bankruptcy So this looks like a new debt [redacted] ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards, *** *** ***
Second Round is in receipt of the complaint by Mr*** and we have investigated the matterAfter reviewing the complaint we have decided to close
his account in our office, and delete our entry from the credit report
The account is on hold as we are waiting for GE to send us the information on this accountWe are not calling or attempting to collect at this time
We have marked the account as "disputed" on the Consumer's credit report until we have the validation to forward to him
Hello,Second Round purchased the debt from SYF and outsourced itfor recoveryMrs*** received a validation letter from our law firm on April8, We have also mailed the charge off statement, the last paymentstatement, and a letter acknowledging the dispute requesting
additional informationto aid in our investigationMrs***’s account has been updated to the creditbureau as disputed and is currently on hold