Hello,
The June of 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 RoundWe can provide the actual chain of title if you would like to review
I wanted to add:
This consumer has three accounts with Second RoundHe uses the following names:
Consumer also goes by names below:
*** *** ***
** ***
*** ***
*** ** ***
*** ** ***
*** ***
** ***
*** ***
*** ***
*** ***
Complaint: ***
I am rejecting this response because:
Revdex.com:
Please mark Second Round's response as unsatisfactory and close the case as unresolvedThe business has done nothing to provide proof of the debt is mine.
Regards,
*** ***
Hello,
We are in the process of investigating this complaintI should have all the data I need in the next day or soI will provide and update at that time
Complaint: ***
I am rejecting this response because: Reguardless of who the original creditor is Second round is not currently the collection agency that
is working this collection. There for Second Round needs to remove them self from my credit reports. They had no information for me and refused to allow me to talk with a supervisor or send me any written information backing what they were saying
Regards,
*** ***
Complaint: ***
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.THIS DEBT BEING REPORTING TO THE CREDIT BUREAUS IS NOT MINE.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 accountShow 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 ** *** *** *** to Second Round LP11) Provide copy of agreement with ** *** *** *** that grants Second Round LP the authority to collect this alleged debt.Let this serve as your day notice to provide debt validation
Regards,
*** ***
Second Round is in receipt of the complaint by
Mr*** *** and we have investigated the matterSecond Round LP takes pride in the fact we stay abreast of all local, state and federal compliance regulations, including requirements under the NYSDFSMr*** alleges that Second Round did not adhere to the Validation Requirements required by lawThe account in question is from Synchrony Bank, account# ending (Amazon.com Store Card) which was charged off on or about 11/3/According to NYSDFS, the requirements for a charged off debt state that a debt collector must provide:
The name of the original creditor
An itemized accounting of the debt, including: a) the total amount of the debt due as of charge off, b) the total amount of interest accrued since charge off, c) the total amount of non-interest charges or fees accrued since charge off, d) the total amount of payments made on the debt since the charge off
In addition, if the consumer is disputing the debt, a debt collector ‘…within days of receiving a request for substantiation of the debt… must cease collection of the debt until written substantiation has been provided to the consumer…’
According to NYSDFS, Substantiation of a charged off debt includes:
Signed contract/application, OR a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor
Charge Off statement
Complete chain of title
Records reflecting the amount and date of any prior settlement agreement reached in connection with the debt
All of the required validation documents were included within the correspondence we sent to Mr*** dated 9/7/ We received additional faxes from Mr*** in response to our letter dated 9/7/We mailed out a letter dated 10/21/to inform Mr*** that we had concluded our investigation and informed him to contact us if we could be of further assistance
Complaint: ***
I am rejecting this response because:
It's incompleteThe business needs to acknowledge that they caused this letter to be sent to me, apologize for their attempt to harass me into paying a debt (it either belongs to someone else or it is a paid balance from a First USA credit card that I had over years ago), and confirm that they have deleted my name and address from their records, and will not contact me again
Regards,
*** ***
Complaint: ***
I am rejecting this response because:I never received validation of this debt I want proof of the debt by copies of the documents that I signed
Regards,*** ***
Complaint: ***
I am rejecting this response because:
These names below do not belong to meSecond Round has not provided proof that I owe them moneyWithout proof you have no caseSecond Round LP is currently under investigation by the appropriate regulatory authority for violations of the FCRAYou can remove the wrong wrong information from my credit reports or face disciplinary actionThe choice is yoursFailure to remove the incorrect information from my credit reports will almost certainly result in the Revdex.com giving you a bad ratingIs this worth it to you, Second Round?
** ***
*** ***
*** ***
*** ***
*** ** ***
Regards,
*** ***
Second Round LP is in receipt of complaint by *** andwe are investigating the matterSecond Round LP takes pride in the fact wetreat all consumers with respect and dignityOur staff is well trained and hasa strong commitment to customer serviceWe take every consumer
communicationas an 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.We are reviewing your claim and we are providing you statementsfor your recordsWe are also going to contact the original creditor to see ifthey can provide documentation around the returned itemsWe have on recordsyour requests to have our company investigate identity theft but received nodocuments If you have any fraud affidavits, policereports, or identify theft documents please forward so that we may quicklyresolve this issue
Complaint: ***
I am rejecting this response because: the debt was a charge off and probably on my credit report as such and should not have been repurchased by Second Round LP to attempt collection
Regards,
*** ***
Complaint: ***
I am rejecting this response because:I sent the business a letter that included the exact information that I was requesting (I am attaching that letter to this complaint)They sent back a one page document that only listed the amount they said I owed, a partial account number, and the name of the original creditor (which is no longer in business)They have not provided sufficient documentation showing that they are authorized to collect on the debt, that they are licensed to collect in my state, that the debt belongs to me, or how they came to the amount that they say that I owe
Regards,*** ***
Second Round is in receipt of Mr*** ***s rejected response and we are within compliance of NYSDFS and the FDCPANYSDFS allows a debt collector to provide a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor if the signed contract/application is not available According to NYSDFS, Substantiation of a charged off debt includes:
Signed contract/application, OR a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor
Charge Off statement
Complete chain of title
Records reflecting the amount and date of any prior settlement agreement reached in connection with the debt
All of the required validation documents were included within the correspondence we sent to Mr*** dated 9/7/
This was a *** account. Second Round purchased the debt and is now the holder of the debtWe are mailing validation information, along with media statements, to the Consumer. ***
Hello,
Second Round will not sue this account because it is out of
statuteWe can make attempts to have this matter resolved voluntarilyOur agent has documented the no call request to this account and this consumer will receive mail only
Hello,Mr*** was mailed a release of claim letter to theaddress we have on file, *** *** *** *** *** *** *** on August 3, If he has not received the letter, have him contactour office and ask for the Chief Compliance Officer and we will assist
him
I am trying to locate this account in our data base
I have someone looking for the account using the information and letter supplied
We have requested the account be returned to our office, from Oxford
thank you,
***
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 killing this account and will cease reporting to the Credit Bureau
*** ***
Hello,
The June of 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 RoundWe can provide the actual chain of title if you would like to review
I wanted to add:
This consumer has three accounts with Second RoundHe uses the following names:
Consumer also goes by names below:
*** *** ***
** ***
*** ***
*** ** ***
*** ** ***
*** ***
** ***
*** ***
*** ***
*** ***
Complaint: ***
I am rejecting this response because:
Revdex.com:
Please mark Second Round's response as unsatisfactory and close the case as unresolvedThe business has done nothing to provide proof of the debt is mine.
Regards,
*** ***
Hello,
We are in the process of investigating this complaintI should have all the data I need in the next day or soI will provide and update at that time
Complaint: ***
I am rejecting this response because: Reguardless of who the original creditor is Second round is not currently the collection agency that
is working this collection. There for Second Round needs to remove them self from my credit reports. They had no information for me and refused to allow me to talk with a supervisor or send me any written information backing what they were saying
Regards,
*** ***
Complaint: ***
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.THIS DEBT BEING REPORTING TO THE CREDIT BUREAUS IS NOT MINE.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 accountShow 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 ** *** *** *** to Second Round LP11) Provide copy of agreement with ** *** *** *** that grants Second Round LP the authority to collect this alleged debt.Let this serve as your day notice to provide debt validation
Regards,
*** ***
Second Round is in receipt of the complaint by
Mr*** *** and we have investigated the matterSecond Round LP takes pride in the fact we stay abreast of all local, state and federal compliance regulations, including requirements under the NYSDFSMr*** alleges that Second Round did not adhere to the Validation Requirements required by lawThe account in question is from Synchrony Bank, account# ending (Amazon.com Store Card) which was charged off on or about 11/3/According to NYSDFS, the requirements for a charged off debt state that a debt collector must provide:
The name of the original creditor
An itemized accounting of the debt, including: a) the total amount of the debt due as of charge off, b) the total amount of interest accrued since charge off, c) the total amount of non-interest charges or fees accrued since charge off, d) the total amount of payments made on the debt since the charge off
In addition, if the consumer is disputing the debt, a debt collector ‘…within days of receiving a request for substantiation of the debt… must cease collection of the debt until written substantiation has been provided to the consumer…’
According to NYSDFS, Substantiation of a charged off debt includes:
Signed contract/application, OR a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor
Charge Off statement
Complete chain of title
Records reflecting the amount and date of any prior settlement agreement reached in connection with the debt
All of the required validation documents were included within the correspondence we sent to Mr*** dated 9/7/ We received additional faxes from Mr*** in response to our letter dated 9/7/We mailed out a letter dated 10/21/to inform Mr*** that we had concluded our investigation and informed him to contact us if we could be of further assistance
Complaint: ***
I am rejecting this response because:
It's incompleteThe business needs to acknowledge that they caused this letter to be sent to me, apologize for their attempt to harass me into paying a debt (it either belongs to someone else or it is a paid balance from a First USA credit card that I had over years ago), and confirm that they have deleted my name and address from their records, and will not contact me again
Regards,
*** ***
Complaint: ***
I am rejecting this response because:I never received validation of this debt I want proof of the debt by copies of the documents that I signed
Regards,*** ***
Complaint: ***
I am rejecting this response because:
These names below do not belong to meSecond Round has not provided proof that I owe them moneyWithout proof you have no caseSecond Round LP is currently under investigation by the appropriate regulatory authority for violations of the FCRAYou can remove the wrong wrong information from my credit reports or face disciplinary actionThe choice is yoursFailure to remove the incorrect information from my credit reports will almost certainly result in the Revdex.com giving you a bad ratingIs this worth it to you, Second Round?
** ***
*** ***
*** ***
*** ***
*** ** ***
Regards,
*** ***
Second Round LP is in receipt of complaint by *** andwe are investigating the matterSecond Round LP takes pride in the fact wetreat all consumers with respect and dignityOur staff is well trained and hasa strong commitment to customer serviceWe take every consumer
communicationas an 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.We are reviewing your claim and we are providing you statementsfor your recordsWe are also going to contact the original creditor to see ifthey can provide documentation around the returned itemsWe have on recordsyour requests to have our company investigate identity theft but received nodocuments If you have any fraud affidavits, policereports, or identify theft documents please forward so that we may quicklyresolve this issue
Complaint: ***
I am rejecting this response because: the debt was a charge off and probably on my credit report as such and should not have been repurchased by Second Round LP to attempt collection
Regards,
*** ***
Complaint: ***
I am rejecting this response because:I sent the business a letter that included the exact information that I was requesting (I am attaching that letter to this complaint)They sent back a one page document that only listed the amount they said I owed, a partial account number, and the name of the original creditor (which is no longer in business)They have not provided sufficient documentation showing that they are authorized to collect on the debt, that they are licensed to collect in my state, that the debt belongs to me, or how they came to the amount that they say that I owe
Regards,*** ***
Second Round is in receipt of Mr*** ***s rejected response and we are within compliance of NYSDFS and the FDCPANYSDFS allows a debt collector to provide a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor if the signed contract/application is not available According to NYSDFS, Substantiation of a charged off debt includes:
Signed contract/application, OR a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor
Charge Off statement
Complete chain of title
Records reflecting the amount and date of any prior settlement agreement reached in connection with the debt
All of the required validation documents were included within the correspondence we sent to Mr*** dated 9/7/
This was a *** account. Second Round purchased the debt and is now the holder of the debtWe are mailing validation information, along with media statements, to the Consumer. ***
Hello,
Second Round will not sue this account because it is out of
statuteWe can make attempts to have this matter resolved voluntarilyOur agent has documented the no call request to this account and this consumer will receive mail only
Hello,Mr*** was mailed a release of claim letter to theaddress we have on file, *** *** *** *** *** *** *** on August 3, If he has not received the letter, have him contactour office and ask for the Chief Compliance Officer and we will assist
him
I am trying to locate this account in our data base
I have someone looking for the account using the information and letter supplied
We have requested the account be returned to our office, from Oxford
thank you,
***
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,
*** ***