Source Receivables Management

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I accept that they have realized their claim was fraudulentWe have received and reviewed the consumer complaint disputing the debt placed in our office and alleging our representative was loud, rude, disrespectful and threatened legal action, along with a request for us to cease and desistWe conducted an investigation and forwarded the dispute to the creditor for additional reviewAccording to our investigation as well as the creditors, this account is believed to be fraudulent and the debt has been disassociated from Mr [redacted] Per the consumer’s request and dispute findings, we have ceased efforts to contact him in reference to collections on the above debtThe compliance department pulled and listened to the recording of the telephone conversation that took place on 03/19/We did not hear our representative say any of the language expressed in the consumer’s complaint, however we apologize for the consumer’s frustrationsIf the consumer has any questions the compliance department can be reached directly at [redacted] @sourcerm.comWe hope we have helped the consumer resolve this complaint We are a professional debt collector; however this communication is for the sole purpose of responding to your complaint and is NOT an attempt to collect a debt

Initial Business Response / [redacted] (1000, 6, 2015/06/23) */ Contact Name and Title: [redacted] , VP Operation Contact Phone: XXXXXXXXXX Contact Email: [redacted] @sourcerm.com Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case #XXXXXXXX regarding SourceRM Account XXXXXXXXThis account was referred to our office by [redacted] - [redacted] in the amount of $The following information was provided by our client: Name: [redacted] Service Address: [redacted] Columbus, OH XXXXX Balance: $ Previous Payment: 06/04/for $ Service Open Date: 09/10/ Turn Off Date: 09/29/ We apologize for any inconvenience caused by our agents' handling of Mr [redacted] 's accountIt is our intention to provide professional services and provide appropriate information as requested by consumersCorrespondence containing the remittance address and account information was mailed to [redacted] in Chagrin Falls, OH XXXXX on June 1, We received Mr [redacted] 's payment for $on June 23, We have marked this account as settled in full and consider this account resolvedShould Mr [redacted] have questions or need additional information, we can be reached with the contact information included Please also be advised that Source Receivables Management (SourceRM) is a professional debt collector; however this communication is for the sole purpose of responding the consumer complaint and providing the results of our investigation

A collector can't continue to collect on a debt after I've made a written request to verify the debt as long as the request was made within days of the collector's written notice[USC 1692g] § 809(b)Its been well over days and I have not seen a contract that I had with the collection company or the client they representThis is clearly a violation of the federal debt collection practice ActThis account is not valid, where is my signature where I joined a legal binding contract with either

We have received and reviewed the consumer complaint claiming that the consumer does not have a contract with our office and is not liable for account with [redacted] The consumer is requesting removal of the account from the consumer reporting agenciesAccording to our investigation as well as the creditor’s, we have reached the correct consumer and the charges are valid The remaining balance on the account is for unpaid service and equipment cancellation fees on the account Although we have already previously provided the consumer with verification of the debt, we mailed additional verification with documentation to the consumer today to provide more detailed information and creditor documentation to help the consumer understand the balance We are not required to have a contract with the consumer to collect or report the debt on behalf of [redacted] The information that was reported to the consumer reporting agencies is confirmed to be accurate and complete; therefore we cannot remove the information We have already notified the consumer reporting agencies that the account is disputedIf the consumer has any questions, the compliance department can be reached directly at [redacted] @sourcerm.com or [redacted] We hope we have helped the consumer resolve this complaint As we have previously received notification that the consumer refuses to pay, we have ceased efforts to reach out to the consumer to collect the debt Therefore, we are a professional debt collector; however this communication and the verification provided are for the sole purpose or responding to the consumer complaint and are NOT an attempt to collect a debt

Initial Business Response / [redacted] (1000, 5, 2016/11/08) */ Source Receivables Management, LLC (SourceRM) has reviewed Ms [redacted] 's complaint claiming that an account placed on her credit file was not updated correctly [redacted] account number [redacted] was referred to our office by [redacted] on 9/20/ with a balance of $Ms [redacted] paid a reduced balance of $on 9/8/to close the account as paid in full for less than the full balance (settled in full)A letter stating that the account was closed and paid was mailed on 9/12/On 10/10/our office reported the account as closed with a zero balance (paid in full for less than the full balance) to the three consumer reporting agencies (Equifax, TransUnion, and Experian) Our office received disputes from the consumer via TransUnion and Equifax on 10/13/If a reporting error occurred, it is likely that it would have occurred during the manual dispute response process since our system reflects accurate information being sent to the consumer reporting agenciesOn 11/4/we received verbal notification that there may be an error on Ms [redacted] 's reportIn response, we submitted an Automated Universal Data (AUD) update to the three consumer reporting agencies to ensure that the account information was reported accurately Although it is not our policy to remove paid accounts from consumer reporting agencies and we do not have any call recordings where our representatives agreed to make an exception for Ms [redacted] , we have submitted a subsequent AUD request to remove the referenced account from the consumer reporting agencies as a courtesy to the consumerConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control Please advise Ms [redacted] that we are a professional debt collector; however this communication is solely for the purpose of responding to her complaint and is NOT an attempt to collect a debt Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/11/10) */ (The consumer indicated he/she ACCEPTED the response from the business.)

We have received and reviewed the consumer complaint claiming that the consumer has been unable to reach our office and requesting removal of an account from the consumer reporting agenciesThe referenced account was placed in our office for collection on 2/15/ Correspondence was mailed to the consumer on 2/20/and 9/18/at the same address listed on this complaint Our mailing address is [redacted] *** Our toll-free phone number is [redacted] Our office hours are as follows: Monday-Tuesday 8am-9pm; Wednesday-Friday 8am-5pm; and Saturday 8am-12pm (Eastern Standard Time) All of our contact information was included in the correspondence mailed to the consumer According to our investigation as well as the creditor’s, we have reached the correct consumer and the charges are valid The account was updated as disputed with the consumer reporting agencies in response to a previous dispute As the information reported to the consumer reporting agencies is accurate, it will not be removed at this time The consumer is welcome to pay the account, but the account would be updated accordingly with the consumer reporting agencies as paid We do not accept payments for deletion.Attached please find verification of the debt and documentation from the creditor to help the consumer understand the balanceIf the consumer has any questions, the compliance department can be reached directly at [redacted] @sourcerm.com or [redacted] We hope we have helped the consumer resolve this complaint We are a professional debt collector attempting to collect a debt and any information obtained will be used for that purpose

We have received and reviewed the consumer's complaint We received the same dispute/complaint from the consumer directly and the attached response was already provided to the consumer earlier today prior to receipt of this complaint In addition to this response, we also provided verification of the debt via mail on 3/14/and 3/20/ A copy of a billing statement from the creditor was provided via e-mail also on 3/21/in response to the consumer's e-mail dispute We also advised the consumer that the application for service was taken over the phone, therefore a request for a signed contract is not applicable; nor are we required to provide that information Please advise the consumer to see the attached response letter explaining how our office is in compliance with the FDCPA and FCRA in regards to this matter We have also attached the billing statement from the creditor that was previously provided to the consumer If the consumer would like to provide specific information about what she is disputing or relevant documentation indicating the information reported is inaccurate, we would be happy to forward that information to the creditor for further review

We have received and reviewed the consumer complaint claiming that an account that we reported to the consumer reporting agencies does not belong to him and requesting verification documentationWe have already responded to this complaint via the CFPBPlease see attached responseAccording to our investigation as well as the creditor’s, we have reached the correct consumer and the charges are validWe mailed verification with documentation to the consumer today to provide more detailed information and creditor documentation to help the consumer understand the balance The documentation is also attached to his complaintThe information that was reported to the consumer reporting agencies is confirmed to be accurate and complete; therefore we cannot remove the information while the account is placed in our office We have requested that the consumer reporting agencies reflect that the account is disputed If the consumer has any questions or would like to discuss payment options, the compliance department can be reached directly at [redacted] @sourcerm.com or [redacted] We hope we have helped the consumer resolve this complaint We are a professional debt collector attempting to collect a debt and any information obtained will be used for that purpose

Initial Business Response / [redacted] (1000, 6, 2016/06/16) */ Source Receivables Management (SourceRM) has received Ms [redacted] - [redacted] 's complaint dated 6/7/claiming SourceRM is reporting an account that she does not owe The referenced account was referred to our office by [redacted] regarding a remaining balance for [redacted] account number XXXXXXXXXService for the account began on 8/31/The last payment prior to our receiving the account was made on 6/4/in the amount of $The account became delinquent on 7/4/SourceRM received the account on 8/5/with a balance of $No payments were made while the account was placed with our office [redacted] was notified of the consumer complaint and recalled the account from placement with SourceRM on 6/15/2016, therefore the account was closed in our office and our collection efforts have ceasedWe have requested that the three major consumer reporting agencies (TransUnion, Experian, and Equifax) remove the referenced account from the consumer's credit fileConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control Please be advised that this communication is from Source Receivables Management LLC (SourceRM), a professional debt collectorThis communication is for the purpose of responding to the consumer's complaint and providing the results of our investigationThis is NOT an attempt to collect a debt

As stated in our prior response, we have requested removal of the account from the consumer reporting agencies Consumer reporting agencies may take days or longer to update their files and that is beyond our control

Initial Business Response / [redacted] (1000, 5, 2016/07/25) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case # [redacted] regarding SourceRM Account [redacted] The referenced account was referred to our office by [redacted] regarding a remaining balance of $for [redacted] account number [redacted] Service for this account began on 4/9/with e-mail address [redacted] @yahoo.comThe last payment received on the account was 9/2/in the amount of $The account was cancelled on 10/17/(ported out)The account became delinquent on 8/4/SourceRM received the account on 3/23/with a balance of $ SourceRM mailed a validation notice letter to the consumer on 3/28/advising her that the account was placed with our office and of his right to dispute the debtOn 6/20/2016, our office received a dispute letter from Ms [redacted] via faxIn response, we mailed verification to the consumerOn 6/23/we received an additional dispute via written mail, and the account was placed under [redacted] reviewAttached please find additional verification documentation obtained from [redacted] , including a [redacted] Bill Summary Report and [redacted] Billing Statement copies from September, October, and November Based on the nature of the consumer complaint, our office has ceased collection efforts on the referenced accountShould Ms [redacted] have questions or need additional information, she can call our office at [redacted] or e-mail us at [redacted] Please also be advised that Source Receivables Management (SourceRM) is a professional debt collector; however this communication is for the sole purpose of responding the consumer complaint and providing the results of our investigationThis is NOT an attempt to collect a debt Initial Consumer Rebuttal / [redacted] (3000, 8, 2016/08/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) In response to SourceRM, I absolutely reject the response SourceRM provided to the Revdex.com solely based on the fact that SourecRM remains on my credit report as a collection trade line after efforts have been made by myself as well as my attorney to communicate with SourceRM via fax and mail since June with no response until nowIn addition, I requested specific information re: the account SourceRM placed on my credit report and absolutely none of that information was provided, and there was no attachment included in the response SourceRM provided to the Revdex.com as statedSourceRM stated that a validation letter was mailed out to myself on 3/28/2016, however there was no proof of mailing provided to prove there was actually a letter sent out to me on that dateFurthermore, if a letter had been sent out to me on 3/28/and SourceRM complied with the laws of the FDCPA by communicating with myself prior to placing this derogatory account on my credit report, the issue would not have escalated to this Revdex.com complaintMoreover, being the diligent consumer I am as far as credit/credit reporting is concerned I would have responded immediately in receipt of SourceRM letter if I had ever received it and rectified this issue long before it would have come to me filing formal complaints with several agenciesLastly, as stated in my original complaint SourceRM did not comply with FDCPA law § Validation of debts USC 1692g while attempting to collect on this debt, therefore my consumer rights were violated when SourceRM neglected to communicate with myself prior to placing the derogatory account on my credit reportUntil I see this derogatory account from SourceRM deleted from all the major consumer reporting agencies effective immediately because SourceRM did not comply with the FDCPA law § Validation of debts USC 1692g, I will not accept any response from SourceRM Final Business Response / [redacted] (4000, 10, 2016/08/08) */ SourceRM was not aware that the consumer was unable to view the documents that we attached to the previous complaint responseHowever, on 8/4/2016, we also provided the requested documentation in our response to a complaint submitted by the consumer via the CFPB portalWe have completed our investigation and have provided enough information to validate this consumer debtWe have also ceased collection efforts and requested that the account be removed from the consumer reporting agenciesIt may take days or longer for the changes to appear on the consumer credit file and that is beyond our controlWe are a professional debt collector, however this communication is for the purpose of responding to the consumer complaint and is NOT an attempt to collect a debt

Initial Business Response / [redacted] (1000, 6, 2016/05/02) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case # [redacted] regarding SourceRM Account [redacted] The referenced account was referred to our office by [redacted] regarding a remaining balance of $for [redacted] account number [redacted] Service for this account began on 5/2/An e-mail address provided for the account was [redacted] @gmail.comThe last payment received on the account was 4/10/in the amount of $The account went delinquent on 3/25/and was cancelled due to non-payment on 7/22/SourceRM received the account on 5/12/with a balance of $ A validation notice letter was mailed to the consumer on 5/18/advising her that the account was placed with our office and of her right to dispute the debtSourceRM first reported this account to the major credit reporting agencies (TransUnion, Equifax, and Experian) on 7/9/ Our office received the first dispute from the consumer on 3/14/via certified mailIn response, our office provided verification to the consumer at the address [redacted] , SAINT LOUIS, MO ***The mail was not returned; therefore we assume it reached the consumerThe account information reported to the credit reporting agencies has since been updated to reflect that the account has been disputed In response to Ms [redacted] 's complaint, our office has mailed out further verification with documentation to validate the charges on the referenced accountWe mailed the verification with documentation to the address provided on this complaintThis verification includes a summary of the account, a [redacted] Bill Summary Report, a signed copy of the consumer's [redacted] Retail Installment Contract dated 11/2/through 11/5/2015, and [redacted] Billing Statement copies May, June, and August of Our client, [redacted] , has also been notified of the consumer's complaint Should Ms [redacted] have questions or need additional information, she can call our office at [redacted] or e-mail us at [email protected] Please also be advised that Source Receivables Management (SourceRM) is a professional debt collector; however this communication is for the sole purpose of responding the consumer complaint and providing the results of our investigationThis is NOT an attempt to collect a debt Initial Consumer Rebuttal / [redacted] (3000, 8, 2016/05/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company clearly has communication issuesYou have received a certified letter from me with my address listed on both the envelope and my letterHow can you send someone a correspondence and assumed it reached that person from totally different location? This is clearly an unverified debt they are trying to collectAlso in my letter I have clearly stated in bold letters that I wanted validation of the alleged debt Not verificationThis is blatantly a another stall tactic from SRM in their attempt to ignore my request for validation! I am sure that SRM understands the violations of the FDCPA that they are committing such as sec validation of debt and sec using misleading and deceptive practicesSo at this time I will follow up this complaint with Illinois attorney general as well as CFPB regarding this matter Final Business Response / [redacted] (4000, 10, 2016/05/05) */ Please advise Ms [redacted] that we received [redacted] 's response to her complaint as of this morning (5/5/2016)Per [redacted] , the account has been forwarded to Executive Services for review and placed on a day hold pending their responseBecause of this, we have requested the account be removed from the credit reporting agenciesI will attach the verification with documentation that was mailed to the consumer on 5/2/to this responseShe should receive it via mail any day now as well

Initial Business Response / [redacted] (1000, 6, 2016/09/19) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com complaint case [redacted] regarding SourceRM Account [redacted] Our compliance department has reviewed the telephone conversations with the consumer and discussed any issues found in the calls with the representative involvedWe apologize if the consumer was not satisfied with the information provided by our office The referenced account was referred to our office by [redacted] regarding a remaining balance of $for [redacted] account number [redacted] Service for this account began on 1/28/with e-mail address [redacted] The last payment received on the account was 2/27/in the amount of $228.06, but that payment was returned by the bankThe account was cancelled on 2/11/and became delinquent on 4/3/SourceRM received the account on 5/3/with a remaining balance of $ Upon receipt, the consumer's complaint was investigated and forwarded to [redacted] for further investigationAccording to [redacted] , [redacted] claimed fraud, but then on 1/29/admitted to started service for another party but stated that he was able to regain access and start an unauthorized Installment Billing (IB) contract [redacted] memo from 2/11/shows that the IB was adjusted in the amount of $The remaining balance is for the lease acceleration charge If after reviewing this information the consumer still believes that the account is not hers, we have also attached a [redacted] Fraud Packet that the consumer can complete and return to [redacted] The instructions for completion are found in the packetPlease be advised that we are a professional debt collector; however this communication is for the sole purpose of responding to the consumer's dispute and providing the results of our investigationThis is NOT an attempt to collect a debt Initial Consumer Rebuttal / [redacted] (3000, 9, 2016/09/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) Source receivables management was not compliant against due to the details of my situation but for the manor in which they handled itThe response to my complaint was inappropriate and not relevantThe actual details as far as the money I owe, specific dates, misquotes, account numbers, etc were never disclosed nor needed to beMy personal information in such detail did not need to be shared especially when my complaint was the way I was treated not the reason I had calledWhen my conversation with Mr M [redacted] had come to an impass I simply chose to go through [redacted] rather a third party to remedy what was told to me was remedied in The second employee Aaron was beyond reprehensible and extremely unprofessional and inappropriateA business of such nature should be willing to work with their customer and that was not my case at allMany rude comments were made to me and I don't feel worked towards the positive end resultLet me make this clear, my treatment, not the reason behind my call are what is the problemNow secondary is SRM release of all my personal information in regards to this complaintAgain the complaint was based on service and treatment in which I believe was extremely poor and disrespectful

We have received and reviewed the consumer complaint claiming that we did not validate a debt that was reported to the consumer reporting agencies The consumer is requesting removal of the account from the consumer reporting agenciesThis complaint is our first notification that the consumer is disputing the referenced debtUpon receipt, we investigated the account and confirmed we have reached the correct consumer and the charges are valid [redacted] also confirmed the information reported to the consumer reporting agencies is correct As a result, we have requested that the consumer reporting agencies reflect the account as disputedConsumer reporting agencies may take days or longer to update their files and that is beyond our control The attached verification with documentation from [redacted] has been provided to help the consumer understand the balanceThe verification and documentation has also been mailed to the consumer at the address provided on his complaintIf the consumer has any questions, the compliance department can be reached directly at [redacted] @sourcerm.com or [redacted] We hope we have helped the consumer resolve this complaint As we have received notification via this complaint that the consumer does not want collection efforts to continue, we have ceased efforts to reach out to the consumer to collect the debt Therefore, we are a professional debt collector; however this communication and the verification provided are for the sole purpose or responding to the consumer complaint and are NOT an attempt to collect a debt

We have reviewed Ms***'s complaint Upon receipt, we forwarded the information to the creditor and requested documentation They provided the attached Invoice dated 8/22/for the consumer's review Of the remaining balance on the account, $is for a special assessment charged to all owners at the [redacted] on 3/28/for Window/Sliding door replacementThe remaining $is a collection fee added by our agency According to the creditor, they are currently working directly with the consumer to resolve her dispute We have therefore ceased collection efforts Please advise Ms [redacted] that we are a professional debt collector; however this communication is for the sole purpose of responding to her complaint and is NOT an attempt to collect a debt We have not reported the account to the consumer reporting agencies and do not intend to do so The consumer can contact our compliance department directly at [redacted] or [redacted] @sourcerm.com with any questions about the information provided

We have reviewed Mr [redacted] 's complaintOur findings indicate that this complaint is our first notification that the consumer is represented by an attorneyThe correspondence that the consumer references in the complaint must have been mailed to the creditor ( [redacted] ) or a previous agency as the account was only placed in our office on 9/21/Per the consumer's request, we have ceased collection efforts on the accountWe will notify the creditor of the consumer's complaintIf Mr [redacted] would like us to provide a fraud packet or verification of the debt, please advise him to provide his attorney's information so that we can forward the information to his attorneyAlso please advise that we are a professional debt collector; however this communication is for the sole purpose of responding to the consumer complaint and is NOT an attempt to collect a debt

I am rejecting this response because: I specifically requested and asked for them to remove this off all credit bureausOnce we made the agreement on the settled amount I paid and in addition a letter showing how much I paid to dispute.I did receive the letter and they were supposed to remove it all bureaus.The agent who I spoke with and who I paid agreed it would be removed off all bureaus and the letter will be mailed .They are not telling the truth .I am requesting for it to be removed off all bureaus.,it is paid and settled in full .It is not fair for me to still have this negatively on all bureaus when I have held up my end and bargain to settle and pay in full .I never signed a contract with this credit agency in the first place ,and I do not have an account with them but I went and paid anyways so it could be removed all the credit bureaus .I am demanding this to be removed from all credit bureaus immediately as I was promised and advised it will be removed

Initial Business Response / [redacted] (1000, 7, 2016/06/23) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case # [redacted] regarding SourceRM Account [redacted] The referenced account was referred to our office by [redacted] regarding a remaining balance of $ for [redacted] account number [redacted] Service for this account began on 9/30/The last payment received on the account was 9/29/in the amount of $The account was cancelled on 10/9/and went delinquent on 12/3/SourceRM received the account on 12/6/with a balance of $ In response to Mr***'s complaint, we reviewed the notes in [redacted] 's system and found that the account was cancelled during the PO Guarantee PeriodReturn Kit # [redacted] was sent to the consumer 10/10/Credit was given for only one early termination fee in the amount of $There were two lines on the accountReturn Kit [redacted] was also sent to customer on 10/10/SourceRM has contacted [redacted] to verify whether the 2nd phone (iPhone 5S/Gold 16GB - # [redacted] ) was returned to the warehouse As we have not yet heard back from [redacted] , we have ceased collection efforts on the referenced accountWe have also requested that the three major consumer reporting agencies (TransUnion, Experian, and Equifax) remove the referenced account from the consumer's credit fileConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control I spoke with Mr [redacted] directly on 6/15/He has requested that I contact him when I hear from [redacted] regarding the return of his equipmentShould he have any additional questions beforehand, he can call the compliance department directly at [redacted] Please also be advised that Source Receivables Management (SourceRM) is a professional debt collector; however this communication is for the sole purpose of responding the consumer complaint and providing the results of our investigationThis is NOT an attempt to collect a debt

I am rejecting this response because: [redacted] is not listed on my credit reports, but this company isAs I stated, I do not have a contract with this company and I should not be authorized to pay someone who doesn't have anything in writing or has a verbalThis company can not prove any validationAccording to the Fair Credit Reporting Act (FCRA) An item on your report must be removed if it is any of the following: ?Inaccurate meaning wrong account number, item is not yours,etc?Incomplete meaning a field is blank, letters added or missing, etc?Unverifiable meaning no original contract, etc

I am rejecting this response because: they are lying their rep said they'd ruin my credit if I didn't pay they also hung up when I asked for supervisor and told me the couldn't mail me any verification or proof of debtI will contact the FCC and the attorney general in my state as well as theirsI admit to using profanity as I was frustrated my their condescending tone and lack of any proof