Simon's Agency, Inc.

We are in receipt of Ms. [redacted]'s complaint of March 8, 2016. Having reviewed the matter, we must respectfully disagree with her allegations and find that not only are they unfounded but more importantly, they are inconsistent with the actual facts. Additionally, it appears that a number of key...

items have been inadvertently omitted. In reading Ms. [redacted]'s complaint, it appears that she is speaking about more than one account although she is combining them all together as if it were one. Additionally, while some facts may be true, they are presented out of chronological order. Specifically, Ms. [redacted] is correct in that a number of files were referred to this office for collection from at least three separate entities to which Ms. [redacted] was indebted; these are [redacted] Credit Union, [redacted], and Syracuse Community Health. The file to which Ms. [redacted] refers in her letter to the Revdex.com was with regards to her Credit Union account. The original referral amount to our office was in the sum of $522.75 and the account was referred to our office for collections on 8-5-2014. Thereafter, an initial letter was mailed to Ms. [redacted] on 8-6-2014. The letter was never returned as undeliverable and there was no response from Ms. [redacted]. Thereafter, on or about 11-7-2014 the account was reported to the credit bureaus. Subsequently, Miss [redacted] contacted our office and made a number of payments on the Credit Union account, as follows: ·         April 14, 2015:            $51.00 ·         August 13, 2015:        $60.00 ·         September 24, 2015:   $60.00 ·         October 22, 2015:       $60.00 ·         November 5, 2015:     $80.00 ·         February 10, 2016       $87.71* As of February 10, 2016, when she made her $87.71 payment, it left a balance of $124.04. Thereafter, on February 19, 2016, some 9 days after speaking with our office, a direct payment of $124.04 was posted not in our office but directly with the client, the Credit Union. As a result, when Ms. [redacted] alleges that she “made payments multiple times to this agency, as well as the original creditor. I have multiple bills that have gone through this agency. With [redacted], I paid them off directly..” she is correct on the surface in that she made payments, but incorrect on the sequence of those events as well as to whom the payments were made.   Our office does not have direct access to any of our client’s payment or record systems. Equally, our office could not have been aware on February 10, 2016 of a payment which was made directly to the client and which did not post until 9 days into the future. Consequently, no one in this office could or would have told Ms. [redacted] that a payment of $88.00 was her final payment as this is completely inconsistent with the actual payment history as well as the balances.  In fact, on February 19, 2016 at approximately 2:44 pm, our office received a call from Debbie at [redacted] Credit Union to inform us that Ms. [redacted] had made a cash payment in the amount of $124.04, directly to them and as a result, the account could now be deemed paid in full and closed with our office. As mentioned, Ms. [redacted] also had other collection accounts with differing creditors which were placed with our office for collections; [redacted] and Syracuse Community Health and this may be causing confusion on her part. In regards to those two accounts, she made two payments to our office totaling $126.37. These were: ·         August 4, 2015:          $60.00 - applied to her [redacted] account: ·         February 4, 2016:        $66.37 - applied to her [redacted] Account. We have also reviewed the notes and spoken with each of the individual with whom she had contact in our office. All conversations were polite and nothing at all as Ms. [redacted] portrays. Moreover, as it relates to the February 10, 2016 conversation, both Ms. [redacted] and our staff were very cordial with each other, which of course surprised us, given her current allegations. We genuinely believe the confusion and frustration on Ms. [redacted]’s part stems from the fact that there are multiple accounts with our office and she is speaking of all the accounts as if they were one. We have also considered the proposed resolution which Ms. [redacted] would like, mainly to have the item(s) removed from her credit report. In fact, on February 15, 2016, at approximately 1:15 pm, our office received a credit bureau dispute through E-Oscar wherein Ms. [redacted] disputed the trade line, claimed she paid the client directly and that our office agreed to remove the trade line from her credit report but had not yet done so. While we can sincerely appreciate Ms. [redacted]’s position, this office cannot do so nor would anyone in our office make such a statement. Once an account is reported on a consumer's credit report, we are prohibited from removing any trade line other than to correct an error or as may be required by law. In this case, we have reviewed her file and it was properly and accurately reported by our office. I hope we have addressed Ms. [redacted]’s concerns.

Thank you for forwarding Ms. [redacted]’s comments and allowing us the opportunity to respond. Our office represents the Town of Watertown Ambulance with regards to an account with an outstanding balance of $732.50. The account was referred to our office on June 6, 2014 and on June 9, 2014 we sent Ms....

[redacted] an initial communication. The letter was never returned as undeliverable. The account was subsequently reported to the credit bureaus on 09/11/2014. From 06/06/2014 until 9/14/2016, we have had only three (3) conversations with Ms. [redacted]: one on July 10, 2014; one on July 18, 2014 and the third on September 14, 2016. During the 07/10/2014 and 07/18/2014 conversations, Ms. [redacted] stated that her mother had insurance at that time which she believed covered the services rendered and that she would follow up with her mother and then call us back. Unfortunately, we never received any calls from her. On 09/14/2016 we were able to again reach Ms. [redacted]. Contrary to her assertions, no threats of any kind were made! During this short conversation, Ms. [redacted] asked that we not call her again and the account was noted accordingly. Moreover, our staff had to politely terminate the conversation given that Ms. [redacted] was raising her voice. I trust that we have addressed Ms. [redacted]’s concerns. In the event she has any additional questions, she may contact us directly at ###-###-####.

Thank you for forwarding Mr. [redacted] comments and for the
opportunity to respond.
 Receipt of any communication or correspondence from a concerned
consumer is always taken very seriously at Simon’s Agency, Inc. As a result, upon
receipt of any communication or concern, we thoroughly...

research each and every
one of the consumer’s known issue, always viewing them from the customer’s
perspective.
At the outset of course, we do wish to clarify that Mr. [redacted] is
not our customer. Instead, we represent [redacted] of CNY with regards
to an unpaid balance originally owed them by Mr. Adelberg.
The outstanding item was for services rendered to Mr. [redacted] on 10/31/14,
which remains unpaid.  Once our client reports the payment and authorizes
us to remove from his credit report, we will do that.
Thank you for the opportunity to address this matter.

Thank you for this opportunity to reply.  The balance due by [redacted] was originally placed with the Simon’s Agency in April 2014.  On April 14th, 2014, a notification was mailed to [redacted] which details the balance due as well as instructions on how to file a dispute....

  More than 30 days later, Mrs. Sarah [redacted] called Simon’s Agency of her own accord and despite having a letter in hand demanded another.  Additionally Mrs. [redacted] was advised on 06/16/2014, according to our client, the [redacted]’s insurance company paid them directly on 10/10/2013 in the amount of $860 which was never forwarded as payment to the provider.During June 2014, Mr. & Mrs. [redacted] each spoke with our representatives on several occasions, each time declining to make payment or payment arrangements.  Although an updated address on Old North Main Street was provided in November 2014, there were no further letters to provide the [redacted]’s as they were already well aware of the debt.  However, at [redacted]’s insistence a balance due letter was sent to him on June 6, 2016 to validate the unpaid balance.The Simon’s Agency has not received any direct written disputes from [redacted] over the course of these past two years.  Simon’s Agency does not add fees nor interest to any placements.  The balance that was placed with us by our client was provided by the client and no further charges have been added to it.   Although [redacted] certainly paints a different picture of the circumstances, Simon’s Agency has been more than patient with him and his wife over the years, allowing time to follow up with their insurance, their landlord, each other and multiple promises to pay which were not honored. We trust this information will be sufficient for your review.  Please do not hesitate to contact us if there are any further questions.Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.You state that nobody from your organization could have told me that that was my final payment. Pull the calls made when I made the $88 with Lindsay and the multiple calls I had with her for days after. Each time, she stated she was having the balance corrected because my final payment was made with her and it did not appear to be showing up. You are incorrect in your statement that nobody could say that to me because it has been stated by her multiple times! Review the calls. 
Regards,
[redacted]

Thank you for forwarding Ms. [redacted] complaint and allowing us the opportunity to respond. Our office was retained by [redacted] for outstanding balances due them. The files were assigned on 1/29/2016, 02/26/2016, and 3/30/2016. Initial...

communications were sent out for each account on 2/1/2016, 2/26/2016, 2/29/2016, and 3/30/2016. None of the letters were returned as undeliverable.  On 3/8/2016 we reached Ms. [redacted] and were able to agree on a mutually convenient payment arrangement that suited her needs. At her request, each subsequent month from that point forward, Ms. [redacted] was contacted and provided the balance owing after each payment.  One 12/30/2016 Ms. [redacted] explained her situation and the need for a final letter indicating her remaining balance. We gladly honored her request and mailed an additional letter to her on 1/3/2017. In fact, within her current complaint to the Revdex.com, she clearly acknowledges her awareness and understanding of the remaining balance, that being $50.00. However, that said, we do not know why she would be confused between $50.00 and $55.00 since we communicated the balance to her as being $55.00 both verbally and in writing. Finally, with regards to her perception of the situation that Simon’s has in some way treated her in a discriminatory manner, we believe it is completely unsubstantiated and unwarranted.  Quite the opposite, we have been nothing less than cordial, polite and accommodating.   I trust that we have addressed all of her concerns. However, in the event that I may be able to further assist her, she may contact me directly at [redacted].

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  However, no where does this collection agency specify why they didn't resolve the complaint over a year ago when I first was notified by them that an account in my name was submitted to them and I subsequently sent them a dispute that their information was faulty. Since that time I have been harassed by numerous calls on a daily basis and now they don't even apologize to the inconvenience they caused. Shame on you.
Regards,
[redacted]

We are in receipt of Ms. [redacted] complaint and genuinely believe she may be confused.   Our office was retained by [redacted] with regards to an outstanding balance due them regarding services provided on May 1, 2016. According to our client, they last received a payment on or about July...

22, 2016.     The file was initially assigned to our office on September 1, 2016.   On September 2, 2016 our office mailed Ms. [redacted] a letter advising her of the outstanding balance with our client. The letter was never returned as undeliverable.   Furthermore, several phone attempts have been made to contact Ms. [redacted] months prior to the time that the account was sent to the credit bureaus. To date, other than the instant complaint, we have not received any phone calls or written communications from Ms. [redacted].   I trust that Ms. [redacted] concerns have been addressed. In the event that she has any further questions, she is welcome to contact me directly at ###-###-#### X[redacted].

To Whom it May Concern:We have reviewed Ms. [redacted] complaint and have agreed to delete the trade-line appearing on her credit report. Thank you.

Thank you for forwarding MS. [redacted]’ complaint and allowing us the opportunity to respond.Our office was retained by [redacted] on 04/03/2017 for an outstanding balance due them.An initial communication was sent to her on 04/04/2017. The communication was never returned as...

undeliverable.Having heard nothing from Ms. [redacted], on or about 08/08/2017 the account was reported to the credit bureaus.Thereafter, the only contact we had with Ms. [redacted] was on 2/24/2018, wherein she called our office offering to resolve the account, with the agreement that we delete the entry reported to the credit bureaus.The agent informed Ms. [redacted] that we report accurate information, and upon payment, the bureaus would be updated to reflect that the account was paid in full. Ms. [redacted] ended the call and, less than 15 minutes later called back hoping to reach a different agent, presumably with a different answer. However, the same agent received the call and again informed Ms. [redacted] that we would update the credit report with a paid in full status once her payment was received but that we had no legal authority to remove or delete the trade lines as it is accurate as reported.Consequently, while we appreciate and certainly understand Ms. [redacted] position, not receiving the desired answer to her request does not constitute rude and disrespectful behavior.While we understand that Ms. [redacted] would like a complete deletion from her credit report of this particular account, we are not able to legally do so since the item is reporting accurately. Equally, once payment is received, and as previously explained to her, the item will be accurately and properly reported as paid in full.I trust that we have addressed Ms. [redacted]’ concerns. However, in the event that I may be able to further assist her, she may call me directly at ###-###-#### X120.

Unfortunately, we have to refer back to the prior response. We certainly apologize if Mr. [redacted] misunderstood what our action would be upon him paying the bill.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Calling 4-5 times per day from different phone numbers without leaving messages.  When looking up who the call was from Simons Agency appears.  The bill will not be paid until I receive a detailed statement. 
Regards,
[redacted]

Thank you for forwarding Ms. [redacted] complaint and allowing us the opportunity to respond.We were retained by our client on 12/22/2016 for an outstanding balance due them. An Initial correspondence was mailed to Ms. [redacted] on 12/23/2016.On 2/9/2018 we were contacted by Ms. [redacted] who requested a copy of...

the original bill. Due to a delay in being provided an original directly from the client, we provided Ms. [redacted] with copies of the relevant documentation we had in-house and mailed it to her current address. Since that time, we have been in communication with our client and as a result, we have closed the account and notified the credit bureaus to delete the relevant trade lines associated with this account. I trust that we have addressed Ms. [redacted]' concerns. However, in the event that I may be able to further assist her, she may call me directly at ###-###-#### X120.

2 collection that is outdated 2006 & 2008 which the superviser jim f[redacted] would not negotiate out of the payoff they are not on my credit report and I should not be responsible for themto come to a reasonable amount that I could afford

We are in receipt of Mr. [redacted] complaint. For clarification, although Mr. Dorfman claims he made a payment on 4/18/2016, he actually made the payment on 4/19/2016 at approximately 1:28 pm.  As it relates to his credit report, we do not report to credit bureaus on a daily...

basis but instead report in a periodic cycle. Mr. [redacted] payment was received on April 19, 2016 and was reported to the credit bureaus on April 22, 2016, just three (3) days after receipt of his payment.  Depending on when he last reviewed his credit report after he made the April 19, 2016 payment, it may not yet have been updated by each of the individual credit bureaus, a situation in which we have no control.  I trust that we have addressed Mr. [redacted] concerns. In the event he has any additional questions, he may contact us directly.

Thank you for forwarding Mr. [redacted]'s concerns and allowing us the opportunity to respond. Our office was retained by [redacted] for outstanding balances due to them. The [redacted] accounts were placed with our office on 04/28/2016 in the amount...

of $115.00 for service date 07/30/2015 and on 11/23/16 in the amount of $20.00 for services rendered on 11/23/16. The $115.00 matter was paid on 09/16/16 and the $20.00 matter was paid on 11/22/17. Both accounts were reported to the credit bureaus as follows: On 08/01/2016 with regards to the ($115.00) account and on 10/31/2017 with regards to the ($20.00) account. On October 30, 2017, the [redacted] also placed another account with our office in the amount of $20.00 for service rendered on 05/17/2017. This account has not been reported to any credit bureau. It could very well be that Mr. [redacted] may be confused regarding the new file. Moreover this new account was paid on 11/22/2017. We have also had numerous conversations with Mr. [redacted] regarding the matters that were previously reported to the credit bureaus. During one of those communication which occurred on 09/16/2016, Mr. [redacted] called our office requesting to have the trade lines completely removed from his credit report.  He was informed at that time that the matters would be accurately reported as paid in full, which they were. I trust that we have addressed Mr. [redacted]'s concerns. However, in the event that I may be able to further assist him, he may call me directly at ###-###-#### [redacted].

Thank you for forwarding Ms. [redacted] complaint and allowing us the opportunity to respond.Our office was retained by [redacted] and [redacted] for outstanding balances due them. The [redacted] account was placed with our office on 6/17/2014, and the [redacted]...

account was placed with us on 10/9/2015. Initial communications were sent out on 6/20/14 and 10/9/2015 respectively, and neither letters were ever returned as undeliverable. We have had only one communication with Ms. [redacted] regarding these accounts. During the communication that occurred on 12/18/2015, Ms. [redacted] stated both outstanding balances were the result of identity theft. However, in her letter to the Revdex.com , she stated that both accounts were paid in full. To date, we have not received any documentation from her to support either of these two contradictory claims, and upon contacting the respective clients, each confirmed that both balances are still open with their office. Equally, both clients have indicated they have no record of identity fraud and both accounts are valid. I trust that we have addressed Ms. [redacted] concerns. However, in the event that I may be able to further assist her, she may call me directly at (315) [redacted]

We are in receipt of Ms. [redacted]’s complaint.Having reviewed the matter, we respectfully disagree with her allegations as they are inconsistent with the actual facts and it appears that a number of important items have been inadvertently omitted. Our office represents Raymour & Flanigan with...

regards to an initial outstanding balance due them of $1,129.25. The file was assigned to our office on June 17, 2014. Since opening the file almost two years ago, we have had very minimal contact with Ms. [redacted]. On July 31, 2014, we received a call from Ms. [redacted]. During the conversation, Ms. [redacted] entered into a voluntary payment arrangement where she agreed to make weekly payments of $30.00 until the entire outstanding balance was paid in full. The first payment was to have reached our office the following week. Instead, a $20.00 payment reached our office OShe did not make any other payments again until January 20, 2016 when she tendered a $20.00 payment and then again on March 4, 2016 when she tendered a second $20.00 payment. Other than these three (3) payments totaling $60.00, there have been no other payments made to our office. Consequently, to the extent that she is suggesting that payments are being made regularly, that is not the case. As it relates to her credit report, while we understand and appreciate that she would like to us to place “positive feedback” on her credit report, by law, we can only report that which is accurate. As indicated, she has only made three (3) payments since 2014 totaling $60.00. If she makes consistent payments as she has promised on a few occasions, they will of course be reported accordingly.With regards to the frequency of calls, we most certainly have not called her two or three times per day as she has suggested. We do note that there were three (3) phone contacts on January 19, 2016. However, these were initiated by Ms. [redacted] as she called our office inquiring about her account. Our staff returned her call which prompted Ms. [redacted] to call back. Our records also indicate that in one instance after having reached Ms. [redacted], she claimed, in Spanish, that we had reached the wrong number and she abruptly hung up the phone. However, we then subsequently received multiple telephone calls from Ms. [redacted] from that very same number, all of which were initiated by her.  Again, we certainly understand and sympathize with Ms. [redacted]’s financial situation and have noted our file accordingly. Equally, we are willing to assist her in any way possible and in that regard, she is welcome to contact us directly.

Thank you for forwarding Mr. [redacted] complaint and allowing us the opportunity to respond.Our office was retained by The [redacted] for an outstanding balance due them. Initial correspondence was mailed to Mr. [redacted] on 08/30/17. It is possible that there may be some confusion with this recent...

account and an older balance in the amount of 90.70 that was paid in full on December 19, 2016.On 9/06/2017 and 9/07/2017 we received voicemail from Mr. [redacted], and attempted to return the calls on both 9/07/2017 and 9/13/2017, but were never able to reach Mr. [redacted].Finally, and notwithstanding any of the above, on September 21, 2017, we were informed by our client that they were recalling the account and as such, the account is now closed with our office.I trust that we have addressed Mr. [redacted] concerns. However, in the event that I may be able to further assist him, he may call me directly at [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]