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 just want to clarify that the original creditor ShopNBC does not credit report there customers. There is no reason that second round should be on there anywhere. It is also illegal to credit report an account that I was never notified of owing a debt to in this case "Second Round LP" I never disclosed my social to anyone on this and no one should of went search for it. I would like to request an original copy of the bill for the original creditor "ShopNBC" not some typed up one from this collection company. This is a highly disputed account.
Complaint: 10026711
I am rejecting this response because:
Regards,
[redacted]
The consumer has never spoken with anyone at Second Round. Second Round did verify the account and the information did match the consumer's. At this time there is no collection activity as the account has such a small balance. However, Second Round did do everything required by law and has never spoken with the consumer.
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...
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 [redacted], 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 purchased this debt on 3/18/2013. 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) Inc. debt that the Consumer opened on 11/7/2008 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 Experian. We do not report to Equifax at all, and never have. As to the name, yes the full name is not listed. We can correct that on the credit bureau. please let me know if you need additional information.[redacted]?
Second Round is in receipt of the Revdex.com complaint from [redacted] and we have investigated this matter. On 5/25/2016, Second Round purchased the...
consumers Synchrony Bank/Care Credit account ending 7647. On June 2, 2016, Second Round mailed out the Notice of Assignment letter to Mrs. [redacted], as required under Florida Statute. On August 24, 2016, Second Round mailed out a letter to Mrs. [redacted] offering her options to take care of this debt. Mrs. [redacted] called Second Round on 12/9/2016 to inquire about the account. Due 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 address. Mrs. [redacted] was not comfortable verifying this information over the phone. As 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 her. Mrs. [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 4 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...
Complaint: [redacted]
I am rejecting this response because: I will be needing the original Release of Lien mailed. As per Application for a Certified Copy of a Title instructions, all documents must be originals. As soon as I receive the original Release of Lien then I can accept the business response.
Regards,
[redacted]
Second Round acquired this ShopNBC account in December 2013. We can confirm Mr. [redacted]'s social security number and the address on file matches his information.
Second Round is not doing anything illegal. The statute for reporting a past due account is seven years....
If Mr. [redacted] would like to send us a letter, or something in writing, to let us know how this account is either been paid, or is a fraudulent account, Second Round would be happy to accept that. Please know the intention of Second Round is to report complete and accurate information. If something is being reported incorrectly, just let us know what it is and it will be corrected immediately. Can Mr. [redacted] at least send a letter for our files, explaining that he does not owe this account? I need something other than "its illegal". Without knowing the problem, I cannot correct it. Reporting a past due debt, that was charged off less than 7 years ago is not illegal. However, if there is a mistake, we want to correct it right away. Thank you, [redacted].
Second Round LP is in receipt of complaint by Ms. [redacted] and isinvestigating the matter. Second Round LP takes pride in the fact we treat allconsumers with respect and dignity. Our staff is well trained and has a strongcommitment to customer service. We take every consumer communication...
as anopportunity to build bridges and provide real solutions. Second Round LP staffmembers are responsible for assuring each consumer interaction is positive andconstructive. We 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 immediately. Second Round does have the authority to continuereporting this account to the credit bureau. Ms. [redacted] is incorrect in her assumptionwe can no longer report this account to the credit bureau due to the age of thedebt.
Complaint: [redacted]
I am rejecting this response because: That is not my residence. That is my old residence and mail was returned for that reason, that is where my children leave I do not. Therefore if mail was returned then actual letters to me were less then the ones specified being I did not receive all of them. Therefore I'm willing to negotiate a settlement or payment arrangement but I need for the civil suit to be dropped and negotiations to be made within us. I made several attempts to reach Santander for settlement and they did not accept. I can request phone records to show those calls from the past and I can surely furnish the proof showing the calls I made to second round. This civil suit needs to be dropped on the grounds that SUCCESFUL letters reached to me where done and several attempts to settle were done. If I did not receive letters I was not aware of the matter therefore I feel there should be one last and final attempt to solve this matter out of court.
Regards,
[redacted]
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’ debt. In reviewing Mr. [redacted]’s account, his last payment to the original creditor was on 3/10/2013 and the account was charged off 3/19/2013, respectively. Mr. [redacted] was served on 8/5/2015 and suit was filed on 5/27/2016 (Washington is a Served First state). In the State of Washington, the statute of limitations expires in 6 years on written contracts. Therefore, this suit is eligible for suit filing until 3/2019. As for the 20-day summons that Mr. [redacted] received, we filed the suit on 5/27/2016 in Thurston County Superior Court and the court handles the notifications to the defendant. We have updated our system of record and communicated to our servicer that Mr. [redacted] does not wish to be contacted regarding this matter any further. Tell us why here...
Complaint: [redacted]
I am rejecting this response because: Again, I never accepted automatic payments. We have a contract that is still legally enact for me to pay off this debt. We all know that they were rude and that even in the phone call after I made my payment that you harassed me about they asked me if I wanted to set up automatic payments and I said no. If I had agreed online then they would not have asked me this question. I will continue to make my payments until our settlement agreement has been paid. You are not authorized to contact me by phone again. again, I will continue to pay the agreed amount. I have never had any issue doing this, but your lies and rude behavior to someone trying to do the right thing are unacceptable.
Regards,
[redacted]
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].
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]
Please send your request of verification to: Second Round LP, [redacted] Attn: Compliance, Austin, TX 78744 and we will obtain the information you are requesting.
As an attorney, specifically a compliance attorney, I am aware of the law and Second Round does not report unless it has a legal right to do so. We want to work with you to resolve your matter. I am going to go ahead and notate you are disputing this account and requesting verification information. Please send a letter though, so I have something to put into the file. Thank you, [redacted].
Complaint: [redacted]
I am rejecting this response because:
I need to be assured the negative listing will be deleted from my credit reports as this inaccurate information has...
affected my credit worthiness, and am not liable for this
account.
Regards,
[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]
I just want to clarify that the original creditor ShopNBC does not credit report there customers. There is no reason that second round should be on there anywhere. It is also illegal to credit report an account that I was never notified of owing a debt to in this case "Second Round LP" I never disclosed my social to anyone on this and no one should of went search for it. I would like to request an original copy of the bill for the original creditor "ShopNBC" not some typed up one from this collection company. This is a highly disputed account.
Complaint: 10026711
I am rejecting this response because:
Regards,
[redacted]
The consumer has never spoken with anyone at Second Round. Second Round did verify the account and the information did match the consumer's. At this time there is no collection activity as the account has such a small balance. However, Second Round did do everything required by law and has never spoken with the consumer.
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...
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 [redacted], 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 purchased this debt on 3/18/2013. 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) Inc. debt that the Consumer opened on 11/7/2008 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 Experian. We do not report to Equifax at all, and never have. As to the name, yes the full name is not listed. We can correct that on the credit bureau. please let me know if you need additional information.[redacted]?
Second Round will remove this from the consumers CBR and cease collection efforts.
Second Round is in receipt of the Revdex.com complaint from [redacted] and we have investigated this matter. On 5/25/2016, Second Round purchased the...
consumers Synchrony Bank/Care Credit account ending 7647. On June 2, 2016, Second Round mailed out the Notice of Assignment letter to Mrs. [redacted], as required under Florida Statute. On August 24, 2016, Second Round mailed out a letter to Mrs. [redacted] offering her options to take care of this debt. Mrs. [redacted] called Second Round on 12/9/2016 to inquire about the account. Due 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 address. Mrs. [redacted] was not comfortable verifying this information over the phone. As 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 her. Mrs. [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 4 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...
Complaint: [redacted]
I am rejecting this response because: I will be needing the original Release of Lien mailed. As per Application for a Certified Copy of a Title instructions, all documents must be originals. As soon as I receive the original Release of Lien then I can accept the business response.
Regards,
[redacted]
Second Round has removed the entry from any credit reporting agency it provides information to. The account has been closed in our office as well.
Second Round acquired this ShopNBC account in December 2013. We can confirm Mr. [redacted]'s social security number and the address on file matches his information.
Second Round is not doing anything illegal. The statute for reporting a past due account is seven years....
If Mr. [redacted] would like to send us a letter, or something in writing, to let us know how this account is either been paid, or is a fraudulent account, Second Round would be happy to accept that. Please know the intention of Second Round is to report complete and accurate information. If something is being reported incorrectly, just let us know what it is and it will be corrected immediately. Can Mr. [redacted] at least send a letter for our files, explaining that he does not owe this account? I need something other than "its illegal". Without knowing the problem, I cannot correct it. Reporting a past due debt, that was charged off less than 7 years ago is not illegal. However, if there is a mistake, we want to correct it right away. Thank you, [redacted].
Second Round LP is in receipt of complaint by Ms. [redacted] and isinvestigating the matter. Second Round LP takes pride in the fact we treat allconsumers with respect and dignity. Our staff is well trained and has a strongcommitment to customer service. We take every consumer communication...
as anopportunity to build bridges and provide real solutions. Second Round LP staffmembers are responsible for assuring each consumer interaction is positive andconstructive. We 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 immediately. Second Round does have the authority to continuereporting this account to the credit bureau. Ms. [redacted] is incorrect in her assumptionwe can no longer report this account to the credit bureau due to the age of thedebt.
Complaint: [redacted]
I am rejecting this response because: That is not my residence. That is my old residence and mail was returned for that reason, that is where my children leave I do not. Therefore if mail was returned then actual letters to me were less then the ones specified being I did not receive all of them. Therefore I'm willing to negotiate a settlement or payment arrangement but I need for the civil suit to be dropped and negotiations to be made within us. I made several attempts to reach Santander for settlement and they did not accept. I can request phone records to show those calls from the past and I can surely furnish the proof showing the calls I made to second round. This civil suit needs to be dropped on the grounds that SUCCESFUL letters reached to me where done and several attempts to settle were done. If I did not receive letters I was not aware of the matter therefore I feel there should be one last and final attempt to solve this matter out of court.
Regards,
[redacted]
Second Round will delete Mrs. [redacted] trade lines.
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’ debt. In reviewing Mr. [redacted]’s account, his last payment to the original creditor was on 3/10/2013 and the account was charged off 3/19/2013, respectively. Mr. [redacted] was served on 8/5/2015 and suit was filed on 5/27/2016 (Washington is a Served First state). In the State of Washington, the statute of limitations expires in 6 years on written contracts. Therefore, this suit is eligible for suit filing until 3/2019. As for the 20-day summons that Mr. [redacted] received, we filed the suit on 5/27/2016 in Thurston County Superior Court and the court handles the notifications to the defendant. We have updated our system of record and communicated to our servicer that Mr. [redacted] does not wish to be contacted regarding this matter any further. Tell us why here...
Complaint: [redacted]
I am rejecting this response because: Again, I never accepted automatic payments. We have a contract that is still legally enact for me to pay off this debt. We all know that they were rude and that even in the phone call after I made my payment that you harassed me about they asked me if I wanted to set up automatic payments and I said no. If I had agreed online then they would not have asked me this question. I will continue to make my payments until our settlement agreement has been paid. You are not authorized to contact me by phone again. again, I will continue to pay the agreed amount. I have never had any issue doing this, but your lies and rude behavior to someone trying to do the right thing are unacceptable.
Regards,
[redacted]
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].
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]
Please send your request of verification to: Second Round LP, [redacted] Attn: Compliance, Austin, TX 78744 and we will obtain the information you are requesting.
As an attorney, specifically a compliance attorney, I am aware of the law and Second Round does not report unless it has a legal right to do so. We want to work with you to resolve your matter. I am going to go ahead and notate you are disputing this account and requesting verification information. Please send a letter though, so I have something to put into the file. Thank you, [redacted].
Complaint: [redacted]
I am rejecting this response because:
I need to be assured the negative listing will be deleted from my credit reports as this inaccurate information has...
affected my credit worthiness, and am not liable for this
account.
Regards,
[redacted]