Selip & Stylianou, LLP

This was a very easy to deal with company. The representatives I spoke with one the phone, were amazing. It felt really good to talk I an actual person. Everything with smoothly and efficiently. I was able to make a payment for my husband, via debit card. Actually I think the fact that I could use my debit card won me over immediately.

Review: The company has contacted my work, and never contacted me. I would not like the company to contact me at work as I cannot take calls there.

Best,

[redacted]Desired Settlement: Stop calling me at work, if there is an actual bill send me the details.

Business

Response:

Dear [redacted]:

I am writing in response to your letter of July *, 2013, forwarding the complaint of [redacted] (hereafter "the Consumer"). Please accept this letter as Cohen & Slamowitz' s (hereafter "C&S") response.

On or about May ** , 2005, C&S was retained by Colorado Capital Investments, Inc. (hereafter "Colorado") to collect the sum of $6,837.73 (hereafter "the Debt") owed to it by the Consumer. The Debt arose from the Consumer's usage of a Visa credit card with an account number ending in [redacted], which was issued to him by Providian National Bank. Empire Portfolios Inc. is the current owner of the Debt, having purchased it from Colorado.

By a letter dated June **, 2005, 1 C&S notified the Consumer that the Debt had been placed with this office and advised him of his right to request verification or to dispute the Debt within thirty days, The Consumer did not respond to this letter, or to several other letters sent to him thereafter in an effort to reach an amicable resolution of the matter. Accordingly, in an effort to protect Colorado's interests, C&S commenced a lawsuit that was served upon the Consumer on August **; 2005. The Consumer did not file an answer or otherwise respond. On October **, 2005, the court entered a judgment in the amount .of $7,184.01 in favor of Colorado. The Consumer was duly notified. He does not dispute the Debt or the judgment entered against him.

Thereafter, C&S made several calls to the Consumer' s home telephone number and also sent hi m several letters inviting him to contact C&S to try and resolve the Debt. These efforts were fruitless. Our first contact with the Consumer came on January **, 2009, when he called our office to find out if C&S had caused his bank account to be restrained. In the course of that conversation, the Consumer provided the name and address of his employer. The Consumer did not state that C&S could not contact him at that number. The following day, a single call was placed to the Consumer at that number. Our file notes indicate the call went straight to the Consumer's voice-mailbox and our representative did not leave a message. We have not called this number since.

Thereafter, an inco.me execution was served on the Consumer and his employer by the sheriff in an effort to collect on Colorado's judgment. Because the Consumer did not agree to make voluntary payments to the enforcement officer, the Consumer's employer garnished his wages from September 2009 until February 2010, when lie left his job. The Consumer never contacted C&S during that period to question the garnishment or to dispute the Debt or judgment.

Upon receipt of the instant complaint, l reviewed the telephone records for the Consumer's account. No telephone calls have been made to the Consumer at his place of employment, or at any other telephone .number, since the single call placed on January **, 2009. Accordingly, the Consumer's complaint about C&S is unfounded. Perhaps the calls he is receiving ate coming from another collection agency.

Finally, both C&S and Empire remain willing to try and reach an amicable resolution of the Debt. lf he wishes to discuss settlement, he may contact me directly.

If you should have any questions, please do not hesitate to contact me.

Business

Response:

Dear [redacted]:

In response to your recent correspondence to the Revdex.com (Complaint ID [redacted]), this letter will confirm that you are not the party who is indebted to our client in the above-referenced matter. Your Social Security number ending in 5625, middle initial, and address do not match to the judgment debtor's information. I have insured that neither your address nor current telephone number appear in our file.

If you should have any other questions or concerns, please do not hesitate to contact me directly at ###-###-####.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

While the action is acceptable, there should be some accountability for the haphazard calling of non involved parties. The fact that a law firm would contact my firm regarding my employment is unacceptable. There needs to be some sort of controls in place, I would like this escalated to a regulatory body. The call has damaged my credibility at my job and caused me fiscal injury.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I entered into a payment agreement with [redacted] and [redacted]. After a suspect action on their online payment system, I wrote to ask for an explanation. Said letter was ignored, so I began sending them paper checks, which they claimed they did not receive, and then claimed they were sending back (?). Nothing was returned. I then began paying them with automatic payments from my Chase account. They claim I am not paying them. I have written to the company, and left phone messages to no avail. They finally contacted me by mail, demanding payment. I explained that they were paid each month, and that I can document this. A [redacted] said her supervisor would review this and get back to me. I requested that this be via email, as I wanted the explanation in writing. Several days later, [redacted] called, and said they were "working on sending me an email." She suggested I speak to her supervisor. He was the rudest, most smug and sarcastic individual I have ever had the misfortune to interact with. Needless to say, nothing has been resolved. As I can SHOW proof of payment each month, I cannot comprehend this situation.Desired Settlement: 1. Acknowledge payments. 2. Set up new agreement so that my credit will not be further impacted.

Business

Response:

Dear [redacted]:

I am writing in response to your letter of September **, 2013, forwarding the complaint of [redacted] (hereafter "the Consumer"). Please accept this letter as Cohen & Slamowitz's (hereafter "C&S") response.

By way of brief history, in September of 2012, Capital One Bank (USA), N .A. retained C&S to collect money owed to it by the Consumer based upon her usage of a Visa credit card (C&S File [redacted]). Because we were not able to resolve the matter with her, C&S commenced a lawsuit to protect the client's rights. Shortly after she was served with the summons and complaint, the Consumer began making payments directly to Capital One. On February **, 2013, Capital One notified C&S that the account had been paid in full. Because a default judgment had already been entered in the matter, C&S asked the court to vacate the judgment. This was done on May *, 2013, and the Consumer was duly notified. (1)

On or about September **, 2012, C&S was separately retained by Midland Funding LLC (hereafter "Midland") to collect the sum of $3,524.50 (hereafter "the Debt" or "the Midland Account") owed to it by the Consumer. The Debt arose from the Consumer's usage of a credit card

1 Copies of all pertinent documents referred to herein are enclosed.

issued to her by GE Money Bank. Midland purchased the Debt from GE Money Bank. By a letter dated October *, 2012, C&S notified the Consumer that the Debt had been placed with this office and advised her of her right to request verification or to dispute the Debt within thirty days. The Consumer did not respond to this letter, or to several other letters sent to her thereafter in an effort to reach an amicable resolution of the matter. Accordingly, in an effort to protect Midland's interests, C&S commenced a lawsuit that was personally served upon the Consumer on December **, 2012.

That afternoon, the Consumer called our office and entered into an agreement to settle the Debt for the balance due and owing, to be paid over a period of 16 months at the rate of $250.00 per month. The first payment was due on or before January **, 2013. The terms of the stipulation, which the Consumer signed, set forth that if the Consumer defaulted on any of the payments, C&S could enter ajudgment on the unpaid balance, provided the Consumer was given written notice with 10 days to cure the default.

The Consumer did not make the payment due on January **, 2013. On January **, she logged onto the C&S website and made a payment of $150.00, using a credit card. That same date, a letter was sent to her notifying her that she was in default. Because the default was not cured, on April *, 2013, the court entered a judgment in favor of Midland in the amount of $3,711.48.

On April **, 2013, we received a letter from the Consumer stating that she had been trying to make payments on our website, without success, and that she had also sent us physical checks that were not negotiated. Her letter did not reference a C&S file number. While we were investigating the matter, we received a second, similar inquiry from the Consumer, again without reference to a file or account number. We determined that the Consumer had been logging onto our website monthly and making payments to the Capital One account (C&S File [redacted]) at the same time that she was paying Capital One directly. The Consumer also mailed two physical checks to our office, both of which bore the C&S file number for the Capital One account.

Because, as set forth at the outset of this letter, the Capital One account had already been paid in full and closed in our office, the payments the Consumer tried to make on our website by credit card had been reversed. The physical checks were held by our Accounting Department as we were unable to apply them to the Midland Account without the Consumer's permission. Several representatives tried to reach the Consumer by telephone in March, April and May. Because the only telephone number we had for the Consumer was a cell phone and we did not have permission from the Consumer to leave messages when calling that number, no messages were left.

On June *, 2013, [redacted] of my office wrote to the Consumer to explain what had happened. She asked the Consumer to call C&S if she wanted the checks to be applied to the Midland account, and she advised the Consumer that if we did not hear from her by June [redacted], the checks would be returned. [redacted] also advised the Consumer of the need to reference the correct C&S file number on future payments. The letter, which was sent to the address on the Consumer's complaint, was not returned to us by the postal service.

The Consumer did not respond. Instead, on June **, 2013, we received a check in the amount of $250.00 that referenced C&S File [redacted] l . The payment was credited to the Midland account. On July *, [redacted] again wrote to the Consumer. She returned the checks that C&S had received from the Consumer for the Capital One account. [redacted] also sent the Consumer a new stipulation of settlement for the Debt. This letter was not returned to C&S, nor did the Consumer respond.

The Consumer did not sign the stipulation, nor did she make any additional payments. She again wrote us a letter, accusing C&S of failing to apply her payments or return her checks. [redacted] tried unsuccessfully to reach the Consumer several times by telephone. Again, she left no messages as we did not have permission from the Consumer to do so. On July **, 2013, she again wrote to the Consumer to confirm that we had returned all of the checks that the Consumer had sent to us and that the Consumer's payments made on our website had been credited back to her credit card. [redacted] provided the Consumer with payment ledgers for both the Capital One and the Midland accounts. She also again confirmed that Midland remained willing to accept monthly payments of $250.00 from the Consumer. As with the other letters, nothing was returned to C&S by the post office, nor did the Consumer respond.

On August * and August **, 2013, we received two more checks from the Consumer for

$250.00 each, both of which were applied to the Debt. On September **, 2013, the Consumer called C&S and spoke with [redacted].2 The Consumer claimed that we had never responded to any of her letters. She also stated that C&S was automatically withdrawing money from her checking account monthly and alleged that we were not applying the funds to her account. [redacted] advised that she did not see any record of an automatic payment arrangement. The Consumer threatened to sue C&S if the money was not applied to her account. [redacted] stated that she would have a manager look into the matter and that she would get back to the Consumer, but she needed some time to do so; The Consumer asked that the information be sent to her via email as we allegedly did not respond to her letters.

On September **, 2013, the Consumer again called and spoke to [redacted]. Because the Consumer was very abusive, [redacted] transferred her to a manager, [redacted]. The Consumer at first refused to verify her identity. When [redacted] stated that he could not discuss the matter with her otherwise, she became increasingly abusive. She also stated that she was recording the call. [redacted] advised her that he could not speak to her in that instance. The Consumer

(2) Recordings of this and the Consumer's September **, 2013, call will be made available to you upon request.

screamed at him, stated she was filing a complaint, and hung up. The instant complaint ensued.

As set forth above, the Consumer clearly was confused by the fact that multiple debts had been placed with C&S for collection by different creditors. She made payments on the Capital One account at the same time she was making payments directly to the client and continued to send payments on this account even after it had been paid in full. Because we did not have the Consumer's permission to apply those payments to the Debt, the payments she made on our website by credit card were rejected. The physical checks sent to our office were held for a brief period while we attempted to seek permission from the Consumer to apply to the Debt. Because she did not do so, we returned to her both of the checks we received. Although the Consumer states she also sent us a check for $330.00 -- which the Consumer acknowledges was not negotiated -- we never received it and, therefore, cannot return it to her.

Despite the Consumer's contention to the contrary, she is not on an automatic payment arrangement with C&S, and we did not deduct funds monthly from her checking account. Because she failed to adhere to the payment schedules in any of the settlement agreements sent to her, the agreements were removed from our system. We did send the Consumer a form allowing her to set up automatic payments on October *,2013, but she has not returned it to date. Respectfully, it seems the Consumer may be confusing the Midland account with an unrelated debt that she is paying to a different entity. We often see this type of confusion with consumers who may have had multiple debts placed with different entities for collection ..

We remain willing to assist the Consumer in any way. If she is would like to enter into another agreement to resolve this matter, I ask her to write to me or email me directly ([redacted]). I will prepare a new agreement for her signature, along with another automatic payment arrangement form.

Ifyou should have any questions, please do not hesitate to contact me.

Business

Response:

I am writing in response to your letter of November **, 2013, forwarding the further reply of [redacted]

(hereafter "the Consumer"). Please accept this letter as [redacted] & [redacted]' s (hereafter "C&S") additional response.

[redacted] still appears to be under the belief that she has sent checks to C&S as payment towards the judgment entered by

the court in favor of our client, Midland Fundling, LLC in the above-reference matter that have not been negotiated by our Finn. To

date, we .have received payments totaling $1,400.00, as follows: $**0.00 paid by credit card on our website on January **, 2013, and

five checks in the amount of $250.00, received on June **, August **, August **, October **, and November **, 2013.

There currently a balance of $2,644.64 remaining on the judgment. As previously detailed, the Consumer did send us several additional

checks that referenced a now­ closed matter placed with C&S by a different creditor. Those checks were returned

to the Consumer on July **, 2013, because she did respond to our request that she authorize C&S to apply them to the instant account.

C&S truly would like to resolve the Consumer's complaint to her satisfaction. To that end, l would suggest that a meeting be arranged

in your offices at a date and time that would be convenient for [redacted]. Perhaps if we were to sit down together with you

and review all of C&S's account records, as well as any documentation the Consumer might have to shed light on her claim that

she has sent additional, unaccounted-for payments to C&S, we would be able to bring this matter to a close. In the alternative,I

again invite the Consumer to contact me directly to discuss the matter.

If you should have any questions, please do not hesitate to contact me.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

While [redacted] and [redacted]'s latest response is more polite in tone than in the past, they continue to contradict themselves. Now, they suddenly acknowledge all payments made via electronic check. However, they stubbornly cling to their tale that my paper check payments were made to another account. Interesting, since both the paper and electronic checks were sent to the identical address, and contain verbatim information.

There is nothing to discuss. [redacted] and [redacted] should stop wasting everyone's time, acknowledge their mistake, and extend my payment contract to reflect the months they did not cash my checks. I do not want my credit score to be further compromised because of this.

The other recourse is a court case, at taxpayer expense. I know I will win, but I do not see how this is in anyone's best interest.

Sincerely,

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,