Security Credit Services, LLC

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. A call was made directly to representative of the company whom responded to complaint. She acknowledged the mistake on their part and has verbally agreed to correct mistake on credit report. Call was made to [redacted] afternoon of 7/20/2017. Assuming everything proceeds correctly on credit reporting based on verbal agreement, I am pleased with outcome.
Regards,
[redacted]

June 28, 2016     [redacted]
 [redacted]     Re:      Original Creditor Name / Account #: [redacted]            ...

Current Servicer of Account / Account #: Security Credit Services, LLC / [redacted]   Dear [redacted]:   We’re writing to respond to your recent Revdex.com inquiry about your account listed above.   We understand your concerns regarding the status of this account and the information supplied to the credit reporting agencies.  We appreciate the opportunity to address any concerns you may have regarding this account.   In response to your validation request we received in March, our agency mailed you an acknowledgment letter to inform you that we were conducting an internal investigation into the account.  Due to length of time it has taken to conduct the investigation, we have closed the account and a request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION.  The update may take up to 60 (sixty) days.   If I may be of any additional assistance, please do not hesitate to contact me.   Our hours of operation are Monday through Friday, 8 am to 5 pm CST.   Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com

April 29, 2016 [redacted] Re:      Original Creditor / Account #: [redacted]             Current Account Owner / Account #: Security Credit Services,...

LLC / [redacted]                Dear [redacted]: We’re writing to respond to your recent inquiry about your account listed above.  After conducting a careful review, our records confirm that you are correctly listed as the responsible party for the account. Enclosed are documents validating the debt.  We understand your concerns about the ownership of this account and the information supplied to the credit bureaus. While Security Credit Services denies any allegations of wrong doing, we take your inquiry seriously and provide our response below. Account information ·         Account opening – The account was opened on 4/12/2011.  ·         Account charged off - The account was charged off as a credit loss on 10/31/2013 ·         Account Purchased – Security Credit Services, LLC purchased the account on 6/30/2015. In regards to your claim that SCS has failed to respond to your dispute, we have investigated and found that you submitted two disputes directly to one or more credit reporting agencies. We received notice of the disputes from the credit reporting agencies via e-Oscar and responded accordingly on 8/7/15 and 9/2/15.  If I may be of any additional assistance, please do not hesitate to contact me.  Our hours of operation are Monday through Friday, 8 am to 5 pm CST. Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

We are unable to locate an account with the spelling provided.  Please have the consumer send an account number, any previous names used, etc. so that we may look into his complaint.

From the Consumer:
 
I spoke with [redacted] regarding...

this matter and she is working in it for me. At this time would not like to escalate this to a dispute.  
 
Please advise Mr. [redacted] that we need the documentation from Kmart showing that this lease should have been voided to provide to WNL.

November 24,
2015[redacted]
[redacted]
[redacted]Re:      Original Creditor / Account #: [redacted], INC. / [redacted]            Current Accounts Owner / Account #: Security...

Credit Services, LLC / [redacted]  Dear [redacted]
[redacted]:We’re writing
to respond to your recent Revdex.com complaint regarding Security Credit Services (“SCS”)
and your account referenced above.Security
Credit Services received a written dispute from you on Thursday November 5 and
promptly began our investigation and response. We also communicated with the
collection agency working your account as to how they should respond. Ms.
[redacted] validated the account via email on November 12, 2015, with the attached
correspondence.  .
Regarding the allegations referenced in your letter to the Revdex.com, the state of California
does not require a debt collection license; however, SCS does maintain as
business license in the state of CA. Per review of correspondence provided to
you by Ms. [redacted] (see letter dated 11/12/15), SCS has properly responded to
your requests in accordance with the FDCPA. Section 1.2, 1.5, and 3.3 of the [redacted]
contract indicate your liability for the account. Although SCS responded to
your licensing inquiries, there is no basis in law to substantiate your request
for licensing documentation. In fact, court cases and the Federal Trade
Commission have found there is no duty to comply with such excessive
verification demands[1]. If you have proof for your other
allegations, please provide and we will review and respond accordingly.Given your
claim of a prior dispute with the previous owner of the account, SCS will cease
collection and submit a request to the credit bureaus to delete your tradeline
on this account as we are unable to obtain the previous owner’s records of this
dispute. If we may be
of any additional assistance, please do not hesitate to contact us.  Our hours of operation are Monday through
Friday, 8 am to 5 pm CST.Sincerely,[redacted]Chief
Compliance OfficerSecurity
Credit Services, LLCwww.securitycreditservicesllc.comThis
communication is from a debt collector. 
This is an attempt to collect a debt and any information obtained will
be used for that purpose. [1] Chaudhry v.
Gallerizzo, 174 F.3d 394, 406 (4th Cir. 1999), cert. denied, 528 U.S. 891 (1999); See also Stonehart v. Rosenthal, No. 01
Civ. 651 (SAS), 2001 WL 910771 at *7 (S.D. N.Y. Aug. 13, 2001); FTC Statements
of General Policy or Interpretation Staff Commentary on the FDCPA, 53 Fed. Reg.
50097, 50108-09 (Dec. 13, 1988).

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]

July 14, 2016   [redacted]...

[redacted]   Re:      Original Creditor / Account #: [redacted], LLC ([redacted])/ [redacted]             Current Account Owner / Account #: Security Credit Services, LLC / [redacted]                Dear [redacted]:   We’re writing to respond to your recent inquiry about your account listed above.  After conducting a careful review, our records confirm that you are correctly listed as the responsible party for the account.   Enclosed are documents validating the debt: ·         Application ·         Pay History .  We understand your concerns about the ownership of this account and the information supplied to the credit bureaus. While Security Credit Services denies any allegations of wrong doing, we take your inquiry seriously and provide our response below.   Account information   ·         Account opening – The account was opened on 11/3/2013.  ·         Account charged off - The account was charged off as a credit loss by [redacted] LLC on 03/08/2016 with a balance of $1,343.16.  This is the current balance on the account. ·         Account Purchased – Security Credit Services, LLC purchased the account from [redacted] LLC on 03/30/2016 ([redacted] is a subsidiary of [redacted], LLC)                 If I may be of any additional assistance, please do not hesitate to contact me.  Our hours of operation are Monday through Friday, 8 am to 5 pm CST.   Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com     This communication is from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

[redacted] has been very helpful and I am satisfied with the resolution
 
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]

June 28, 2016  
serif;">  [redacted]
[redacted]
 [redacted]     Re:      Original Creditor Name / Account #: [redacted]             Current Servicer of Account / Account #: Security Credit Services, LLC / [redacted]   Dear [redacted]:   We’re writing to respond to your recent Revdex.com inquiry about your account listed above.   We understand your concerns regarding the status of this account and the information supplied to the credit reporting agencies.  We appreciate the opportunity to address any concerns you may have regarding this account.   In response to your validation request we received in March, our agency mailed you an acknowledgment letter to inform you that we were conducting an internal investigation into the account.  Due to length of time it has taken to conduct the investigation, we have closed the account and a request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION.  The update may take up to 60 (sixty) days.   If I may be of any additional assistance, please do not hesitate to contact me.   Our hours of operation are Monday through Friday, 8 am to 5 pm CST.   Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com

November 24,
2015[redacted]
[redacted] [redacted]
[redacted]Re:      Original Creditor / Account #: [redacted] [redacted]            Current Accounts Owner / Account #: Security Credit Services,...

LLC / [redacted]  Dear [redacted]
[redacted]:We’re writing
to respond to your recent inquiry about your [redacted], INC account listed above.  After
conducting a careful review, our records confirm that you are correctly listed
as the responsible party for the account. Enclosed are documents validating the
debt.  We understand
your concerns about the ownership of this account and the information supplied
to the credit bureaus. While Security Credit denies any allegations of wrong
doing, we take your inquiry seriously and provide our response below. Account informationAccount opening – The account was opened on September 1, 2013.  Account charged off - The account was charged off as a credit loss on
July 31, 2014.Account Purchased – Security Credit Services, LLC purchased the account from Collect America on September 11, 2015Account Ownership – This account was opened in the name of Certified Group LLC with you ([redacted]) listed as owner.  In addition, you ([redacted]) signed as a personal guarantor of the loan, thus deeming you responsible for repayment of the loan regardless of the status of the business.  Credit reportingCurrent reporting – The account is reporting accurately to the credit bureaus with a principal balance of $7,524.99.Continued reporting – The Fair Credit Reporting Act (FCRA) allows us to report information on your credit report for 7 years from the date the account is charged to profit and loss, or upon the expiration of the 180-day period beginning on the date of the delinquency leading to charge off, whichever is earlier. Once this time has passed, the account information will be removed from your credit bureaus as described in the FCRA..While we are
sensitive to the service requests of our customers, as a fair and responsible debt
buyer, we are also required to report the true history of each account. Since
we have confirmed the information reported for this account is accurate, we are
unable to honor your request to delete the reporting of account history. We
sincerely regret that we are unable to resolve this matter to your
satisfaction.If I may be
of any additional assistance, please do not hesitate to contact me.  Our hours of operation are Monday through
Friday, 8 am to 5 pm CST.Sincerely,[redacted]Support
Services RepresentativeSecurity
Credit Services, LLCwww.securitycreditservicesllc.comThis
communication is from a debt collector. 
This is an attempt to collect a debt and any information obtained will
be used for that purpose.

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]

September 23, 2016   [redacted]
"Palatino Linotype", serif;">[redacted]     Re:      Original Creditor / Account #: [redacted]             Current Account Owner / Account #: Security Credit Services, LLC / [redacted]                    Dear [redacted]:   We are in receipt of your inquiry into the [redacted] account listed above.  We understand your concerns regarding the balance on this account and the information supplied to the credit reporting agencies.  We appreciate the opportunity to address any concerns you may have regarding this account.   Given the documentation you provided, we have made a business decision to close the account.  A request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION.  The update may take up to 60 (sixty) days.   If I may be of any additional assistance, please do not hesitate to contact me.   Our hours of operation are Monday through Friday, 8 am to 5 pm CST.   Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com   This communication is from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

[redacted],
We have reviewed your account and investigated your...

claims.  Our records indicate that we did not receive the letter you claim to previously sent to Security Credit.  The account in question is a [redacted], LLC / [redacted] consumer loan account originally opened 06/09/2009.  We purchased the account on or about 11/21/2012.  Attached is the original application that has been provided to us.  Please review and advise us if you have any further questions. 
If I may be of additional assistance please do not hesitate to contact me.  Our hours of operation are Monday through Friday 8am to 5pm CST.
Sincerely,
 
[redacted]Support Services Representative
Security Credit Services, LLC
2653 West Oxford Loop Ste 108
P.O. Box 1156
Oxford MS 38655
Phone:  866.699.7889  [redacted]
Fax: 662.234.6899
[redacted]@securitycreditservicesllc.com
 
Pursuant to Federal Law, please be advised that Security Credit Services, LLC is a debt collector and is attempting to collect a debt.  Any information obtained will be used for that purpose.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this finally the information I have been requesting. I HAVE contacted the collection agency on multiple occasions so I'm not sure how you can say with certainty that you've checked call records stretching back years. This paperwork was what I needed to validate the debt and I will be happy to take care of it. Thank you, it's too bad I had to get Revdex.com involved before any actual action was taken to get the paperwork I was requesting. It's possible that if someone actually ever answered the customer service phone number that is posted online, things could be resolved more effectively.
 
Regards,
 
[redacted]
 
 %

Security Credit Services confirmed with the original creditor that the balance owed was incorrect. We updated the balance and reached out to the consumer to resolve the account. Consumer agreed to pay $1,070, due on 9/25/16

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]

We appreciate your patience as we performed a thorough investigation into your [redacted] account ending in [redacted].  Our records indicate that this was an online consumer loan so there would be no original signed agreement.  The documents that you were previously provided were electronically signed at the time the account was opened.  After extensive review we have decided to delete our trade line from your credit report.  If we may be of additional assistance please do not hesitate to contact us.
 
Sincerely,
 
[redacted]Support Services Representative
Security Credit Services, LLC
2653 West Oxford Loop Ste 108
P.O. Box 1156
Oxford MS 38655
Phone:  866.699.7889  ext. 305
Fax: 662.234.6899
[redacted]@securitycreditservicesllc.com
Pursuant to Federal Law, please be advised that Security Credit Services, LLC is a debt collector and is attempting to collect a debt.  Any information obtained will be used for that purpose.

This company keeps calling and sending me letters over $244.00 from wells fargo. They are saying I owe wells fargo that amount. This is from an account around year 2005 I had with wells fargo. I already paid off wells fargo and they closed the account. That's why whenever I call wells fargo they can not find any of my information on any account. I told Security Credit Services this and they continue to come after me to try to get the $244.00 which I already paid. I asked for proof that I owe them money and they have not sent me anything. Which means they are not the original collectors. I am advising that you remove this from my credit report or I will have my attorney contact you within the next 30 days.

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]