Smog Master

The account was sent to us for collection on 9/30/A letter was generated that day and sent to the *** *** ** address supplied by our clientPrior to sending it to us for collection, our client sent several demand letters advising *** *** that her payoff on her trade in was higher and she
needed to pay the differenceThere was no response to my clients effortsA phone call was made on October 2, At that point, *** *** was given her options to pay by phone, each includes a pass through fee charged by our vendorShe chose a check by phoneShe was advised at that time that that would be her receipt for paymentShe requested a paid in full letter, attached, which was emailed to her that day

Ms*** nor my client has provided any documentation indicating that what we are reporting is inaccurateI advised Ms*** how to handle the situation in a professional matterAt the end of the conversation, she agreed to do what was suggestedWe have done our job and verified the
accuracy of what my client suppliedThe account has been marked as disputed and we will await Ms*** supporting documents

Revdex.com:
I had filled out the wrong box for informations. My name is *** *** ** *** ** *** *** ***
*** *** ** *** I made the complaints about the company and their employee Monica TaylorSorry about the mistake.if you need further assistance, please feel free to call me at *** *** * ***Thank you very much for your help. sincerely, *** ***

The account has been cancelled back to my client at my clients request

As discussed, I would need an Affidavit of Forgery in regards to the checks my office is collecting on in order to clear him as the account holder

I am rejecting this response because: Reading this response had me laughing, the only honest word out of this person mouth was that I tried to pay!!!!!! I never received any certified letter!!! I would like proof of that letter. Again I will not pay for any damages - this is way this company tries to fraudulently get money from people. Again I will pay the check amount along with the $fee but I will not pay anymore!!!! I have not received any letter from these people only a phone number that was left on my phone. I would like a letter from this company indicating why I owe so much money over the check amount!!!! After reading so many other complaints about this company I cannot for the life of me know why they are still in business. ALSO they faxed a form to my work that had my Social Security number on it, this form got passed around to several different people due to the fact we do not have an HR dept. It finally was given to my boss who called me into his office asking me what it was and that I should file suite against this company!! THIS WAS A VIOLATION OF THE HIPPA LAW!!!!! My boss informed me that I was not get anymore calls or letters sent to my work place and that he was not going to fill out or sign any letter from this company.Again I will only pay for the check that was sent back along with the $fee

The account was sent to us for collection on 6/1/This debt has been outstanding since 9/Upon receipt, we sent the initial demand letter and phone calls were made over the course of the next weeksNo response to messages left. On 6/27/17, Ms*** answered her phone and
immediately became combativeSaid she is disputing this, that our client is con artist, fraudulent charges and lied to her, etcMr*** tried to explain to her that she had maxed out her benefits and the balance due is after all insurance paymentsShe insisted upon speaking to a supervisor and was transferred to Ms***She was still angry and continued yelling at Ms***Ms*** advised that she was terminating the call due to Ms*** abuse and did soShe called back more timesWe do not have a Debra in our employ She was transferred to my voice mail as I was not in the office at that timeShe called back yet again and I was hereI tried to work with her and address all her concerns, but she didn't want to talk about itShe was insulting and did nothing but yell and talk over meShe said she was filing a complain with the Revdex.com and AGShe eventually hung up. She was advised that we are a credit reporting agency and the account could be placed on her credit report and could stay there for up to yearsYesterday I sent verification of the debt to Ms*** which is also attached hereThe account is in dispute status and marked no more callsI do need her dispute detail as she was not willing to give it to usOnce received, I will forward to my client for their response

I am rejecting this response because:I have spoken to Ms *** about a settlement and paying this debt but she refused to except my payments. I cannot afford this extra $she is trying to get from me, she even said herself I couldn't afford payments and would not except any payment other than the full amount, so how the heck am I supposed to pay her back!!!!!! Also by the way I will be getting an attorney regarding my social security number being added to a form and faxed to my office!!! and yes this is a violation per an attorney I spoke to today and this company can be suedAt any rate, again how do I pay for money I owe when *** *** informed me I do make enough money to pay her. So basically I dammed if I do and dammed if I don'tWe can go back and forth till the end of time regarding this matter and I'm glad to do so because I WILL NOT PAY the extra $1500.00, this is absolutely ridiculous

Revdex.com

I am rejecting this response because: I should not have to research options that are available to meMy options were not given neither in writing nor on the phoneI bought my car a month ago and my other car was paid off two weeks agoIf several attempts were made, please let me know how that is possible in such a short period of timeBut no worries, I realize this business is not in the customer service business and I will work to get a bill passed to make sure people are probably notified and that it becomes law that companies like yours provide the proper financial payoff receipt that it's given in any other business

*** *** *** *** ***, placed the account with us for collection on 9/23/for non payment of premiumsA series of letters were sent to the address supplied to my client and there was no response.The account was uploaded to the credit bureau to which we report on
11/4/14. Interest accrues daily @ 10% per annum.The account, as of today, is still unpaid.We don't remove accounts from the credit bureau unless it was placed here in error

There are many with the same name in our database so I need more identifying information in order to find this account. The account number, address at the time the debt was incurred, the original creditor....

I am rejecting this response because: I  would like to hear the "several messages" that this general manager alleged that I have made. I have documented each time  I called and its dated back to four weeks. I was always referred to "[redacted]" I was told to leave a message and she will get back to me. This was four weeks ago.I called yesterday and got her extension of 314. I did not harass  any6 receptionist I did call every other day for total of four weeks  to speak with someone , and called TODAY trying to get someone ABOVE THIS LADY. Today is the only day I  got a hold of this RUDE MANAGER .  A CORRECTIVE ACTION NEEDS TO BE TAKEN AND DONE. CHECK OTHER REVIEWS AND COMPLAINTS THIS IS NOT THE FIRST TIME. THE COMPLAINTS SPEAKS FOR ITSELF.I WILL NOT TOLERATE THE DISRESPECT AND THE HORRIBLE CUSTOMER SERVICE FROM THIS MANAGER. I DON'T UNDERSTAND WHY SHE KEEPS INSISTING I CHECK MY BANK STATEMENT WHEN THAT DOES NOT SHOW THE INFORMATION I AM REQUESTING.  I WOULD LIKE TO SPEAK TO SOMEONE ABOVE [redacted]. SHE DOESN'T SIGN HER OWN CHECKS, THERE HAS TO BE SOMEONE ABOVE HER. I WILL NOT ACCEPT ANYTHING UNTIL THAT HAS BEEN DONE AND TAKEN CARE OF. A SETTLEMENT SENT TO MY EMAIL, AN APOLOGY, AND I WANT TO SPEAK TO SOMEONE ABOVE [redacted].  NOBODY  SHOULD HAVE TO EXPERIENCE THIS. IF YOU NEED DATES AND TIMES I CALLED I WILL BE HAPPEN TO SEND IT.

There is no one above me to talk to. I delete my messages as I respond to them so my mailbox remains empty. 2 letters have been generated to Ms. [redacted], therefore, there is nothing further I can do.

I am rejecting this response because:I was never given professional courtesy throughout the whole phone call from the first person all the way to the third women who stated, she owned the company. As even in the response she gave above she gave no contact info to respond to her.  Such an agency  should have their phone calls monitored, this would have been a great solution to their terrible service towards people. I'm sure if this was done it would show I was never rude or angry with this collection agency I was just questioning them.  I realize they are a Collection agency but at the same time they need to treat customers with dignity and respect. I have also contacted the FDCPA regarding this company's professionalism and collection practices. And for the matter of them stating I was angry, I was never angry I just requested they do not speak to me in such an absurd matter and that I was not informed of the interest. I seen the company on my credit history, I then searched the internet for their information to get in contact with them about the collection and offered to pay the amount stated on my credit history at the time. She then stated I owed more then what was state on my history. I stated well I was informed otherwise of the amount and I don't feel I should be charged an amount more then what was stated on the report. She told me  I had no choice in paying it and she was the only above others to handle this matter, even about the terrible service.

I cannot locate a [redacted] in our database. Could this be under a different last name? Do you have an account# I can reference?

In compliance with Ca. Civil Code Section 1719(a), we sent Ms. [redacted] a demand letter, certified mail, 70160910000136079213, which was delivered on 1/7/17. This letter gave her 30 days from the date of mailing the demand letter to pay the check amount plus costs. She mailed in another check,...

which posted to the account on 1/27/17. This payment check was returned to us as well for non sufficient funds. Under the civil code, she did not pay with sufficient funds within the 30 days so statutory damages were added. They accrue at 3 times the amount of the check. The breakdown is the check amount of $414.77 and $1244.31 in statutory damages. Before we agree to a payment arrangement, we assess their ability to pay. While gathering the information we needed, the outcome showed that she had enough left over after all her monthly expenses were paid to pay the account in full, so payments weren't an option for her. She didn't like that answer so asked for a supervisor. I am the supervisor and I told her the same thing, but did offer a settlement on the account which she refused. I advised my client could proceed legally to protect their interests and once Judgment was obtained we could forward an earnings withholding order to her employer, levy her bank accounts, etc. At that point she screamed "Listen here woman".... I asked her to stop screaming at me but she continued. I advised I wouldn't be talked to like that and I was terminating the phone call and did so. My client will only refer her back to me for payment.

Attached is the validation of this debt. Ms. [redacted] did not cancel her policy, it was canceled for non payment of premiums. When she called the office, she refused to pay the debt and wanted it removed from her credit report. It is marked as disputed. She can call the office and talk directly to me...

and I can help her resolve this.

Ms. [redacted] called our office on 3/16/17 because these accounts are listed on her credit report. 2 accounts were placed with us for collection from [redacted] on 7/11/16 & 1/19/17. The debts originated in 2015 & 2016. A total of 4 letters were sent to an address on Santo Antonio Dr which was...

supplied by our client. There has been no mail returned. We sent the accounts to the credit bureau on 9/2/16 & 3/2/17, respectively. The notes indicate that she refused to pay these because she was never notified by our client and wanted them immediately removed from her credit report. Our client holds the accounts for 1 year before turning over to collection. During that time they are actively trying to collect the account themselves. The notes indicate her phone kept cutting in and out and the call did drop several times. She was not hung up on. Ms. [redacted] may call the office and speak directly to me and we can get this taken care of.

I've attached the email chain for your review. The debt was originally verified via regular mail on 8/11 and then again on 8/22 via email. Our company policy is not to conduct collection business via email. The account has since been paid in full.