Source Receivables Management

Initial Business Response / [redacted] (1000, 6, 2015/05/29) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case #XXXXXXXXWe have identified this account as SourceRM Account Number [redacted] Account Number XXXXXXXXX)This account was referred to our office by [redacted] on 03/07/The following information was provided by [redacted] on that date: Name: [redacted] Address: [redacted] , RI XXXXX Balance: $(including $of Early Termination Fees) Sprint Contract Open Date: 03/28/ Delinquent Date: 01/29/ Last Payment: 01/06/for $ E-mail Address: [redacted] @gmail.com Devices: [redacted] ($EFT - number ported out of [redacted] network), [redacted] - [redacted] Phone Connect ($ETF) The open date on Mr [redacted] 's credit report reflects the date [redacted] opened the account with SourceRMThe credit reporting agencies were also provided with a delinquency date of 01/29/to indicate the accurate age of accountWe are in no way attempting to alter information associated with the account Based on the information provided to us by [redacted] it does not appear the Early Termination Fees (ETF's) on this account were waived by our clientThe balance referred to us includes $in ETF'sWe have notified [redacted] that Mr [redacted] is disputing the balanceWe have also placed the account in a cease communication statusOur standard procedure once an account has been credit reported is to update the account as disputed, paid, settled, active etcto maintain the integrity of the credit reporting agencies' dataHowever, since there is conflicting information in this case, we have requested removal of the credit entries reported by SourceRM [redacted] records currently reflect the balance referenced aboveWe recommend Mr [redacted] attempt to get this matter resolved with [redacted] so the account does not progress through the collection process and get referred to other agencies in the future 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 and is NOT an attempt to collect a debt Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/06/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for resolving this matter

I am rejecting this response because: This debt with this creditor is invalid as I have no contract whatsoever with them and the original creditor is actively collecting and reporting on the debt that is contractual between them ( [redacted] ) and myselfIf there is an obligation between myself and source receivables please furnish all contracts signed and dated as legitimate proof and payment arrangements could made in exchange for deletion if they are willing to work with me

We have received and reviewed the consumer complaint A previous complaint was filed by the same consumer 6/27/when the account had been paid The payment was made on 6/27/2017, but then was returned due to insufficient funds, therefore the account is still outstanding Verification with documentation was mailed to the consumer on 8/16/to support the charges on the account A copy of the documentation mailed to the consumer is attached to this complaint response The information reported to the consumer reporting agencies is accurate and therefore will not be removed at this time We are no longer attempting to contact the consumer in order to collect the referenced debt If he has any questions, he can contact the compliance department at [redacted] or [redacted] @sourcerm.com

We have received and reviewed the consumer complaint claiming that he does not have a contract with our office and that requested verification was not provided He is also requesting removal of the account from the consumer reporting agencies and no further communications We do not own the referenced debt; the account belongs to the creditor, [redacted] The referenced account was placed in our office by the creditor for collection on 9/15/ We do not require a contract with the consumer to collect or report the account on behalf of the creditor Our office mailed a notice to the consumer on 9/21/advising him that the account was placed in our office and of his right to dispute the debt That notice was mailed to the same address as listed on the complaint The first dispute our office received regarding this account was on 1/19/ In response, verification mailed to the consumer at the same address listed on this complaint An additional dispute was received on 2/27/ Although no new information was provided, verification with documentation from the creditor was provided to the consumer on 3/16/again to the same address listed on the complaintAccording to our investigation as well as the creditors’; we have reached the correct consumer and the charges are valid In response to the consumer’s previous disputes, we already requested that the account reflect as disputed with the consumer reporting agencies We cannot remove the account from the consumer reporting agencies as the reporting is accurate and that would violate our agreement with the creditor and the consumer reporting agencies Per the consumer’s request, we have ceased efforts to contact him in relation to collection of the debt Therefore we are a professional debt collector but this communication is for the sole purpose of responding to the consumer complaint and is NOT an attempt to collect a debt

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I accept it

In response to this complaint, we have double checked with Experian, Equifax, and TransUnion and confirmed that we are not reporting the referenced account to the consumer reporting agencies The results are attached showing that we successfully removed all trade lines like we said we would If something is being reported to the consumer reporting agencies, it is not being reported by Source Receivables Management

We have received and reviewed the consumer complaint claiming that [redacted] does not have a contract with our company and is not liable for the debt we have reported to the consumer reporting agencies The referenced account was placed in our office by the creditor on 04/23/for collection We are collecting on behalf of the creditor and do not own the debt We are not required to have a contract with the consumer Attached please find verification with documentation from the creditor explaining the charges on the account We hope this helps the consumer understand the balance We have requested that the consumer reporting agencies update the account as disputed Consumer reporting agencies may take days or longer to update their files and that is beyond our control If the consumer has questions about the information provided or would like to discuss options for payment, [redacted] is welcome to contact us toll free at [redacted] or contact the compliance department directly at [redacted] or [redacted] @sourcerm.com 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

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 early termination fees on the account We mailed 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 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 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

Please be advised that we have already responded to a similar complaint from Mr [redacted] received via the CFPB portal Attached please find our response submitted via the CFPB portal as well as the Verification with documentation that was mailed to the consumer on 6/13/ We have ceased collection efforts on this account per the consumer's request and already requested that the consumer reporting agencies reflect the account as disputed If the consumer has questions, he is welcome to contact the compliance department directly at [redacted] @sourcerm.com or [redacted]

We have received and reviewed the consumer complaint claiming that we are reporting an account to the consumer reporting agencies that was not verifiedThe referenced account was placed in our office for collection on 5/18/ Correspondence was mailed to the consumer on 5/23/and 8/19/2017, but this complaint is the first response we have received from the consumer No prior disputes, verbal or written, were communicated with our office This complaint is our first request for written validation of the debtAccording 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 multiple equipment cancellation charges on the account Verification with documentation has been mailed to the consumer’s address today to help the consumer understand the balance A copy of that documentation is also attached to this complaint responseThe information that was reported to the consumer reporting agencies is confirmed to be accurate and complete; therefore we cannot remove the information We have notified the consumer reporting agencies that the account is disputed Consumer reporting agencies may take days or longer to update their records and that is beyond our controlIf 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 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 an early termination fee on the account We mailed 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, 7, 2016/07/06) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com case number [redacted] regarding SourceRM account number [redacted] Please be advised that we have already responded a similar complaint via the CFPB portal as of 7/5/Our response to this complaint is the same as the response to the CFPB The referenced account was referred to our office by [redacted] (AEP) regarding a remaining balance of $for [redacted] account number [redacted] The service dates for the account were 5/27/through 1/24/at service address [redacted] Johnstown, OH XX [redacted] Upon further investigation, our office has confirmed that the consumer filed bankruptcy on 2/11/and that bankruptcy was discharged on 5/24/We therefore closed the account and forwarded the bankruptcy information to our client, [redacted] SourceRM has not reported this account to any of the consumer reporting agencies and does not intend to do so Our compliance department has also reviewed all conversations that took place between Ms [redacted] and our representativesTo ensure that we do not give private information to the incorrect party, our representatives are required to verify certain information (such as the consumer's full name and address and/or last four digits of social security number) to determine right party contact prior to disclosing the reason for their callWe apologize if Ms [redacted] was upset by this verification processOur office contacted Ms [redacted] on two occasions (6/21/and 6/28/2016)On both occasions, the representative was unable to determine they were speaking with the correct partyAll other conversations were inbound calls from the consumerThe consumer did not advise our office of the bankruptcy mentioned in this complaint in any of the phone callsUpon Ms [redacted] 's request that we cease calls, her phone number was flagged so that our office would not call her phone number any moreFollowing that conversation, no further calls were made to the consumer Should Ms [redacted] have questions or need additional information, she can call our office at X-XXX- [redacted] or e-mail us at ***@sourcerm.comPlease be advised that Source Receivables Management is a professional debt collector; however this communication is for the sole purpose of responding to the consumer complaint and providing the results of our investigationThis is NOT an attempt to collect a debt

We have received and reviewed the consumer complaint claiming that we have continued collection calls without providing proof of debt Our compliance department has reviewed the history of the account in our office, including call recordings, and has found that our agents responded appropriately in their conversations with Mr [redacted] The calls that were disconnected were disconnected in a professional manner in line with company policy due to profanity from the consumer The representatives never discussed the consumer’s credit or made any indications that the account would impact the consumer’s credit Although we were verbally notified of the consumer dispute, this complaint is our first notification that he is requesting verification of the debt As explained to the consumer over the phone on 1/30/2017, the balance with the creditor is for the charges the month before cancellation The only charges incurred after cancellation were late fees and taxes, but those were adjusted off after a conversation the consumer had with the creditor in August of last year where he said he was not receiving the bills Attached please find verification with documentation from the creditor We hope that the information provided helps the consumer understand the charges making up the balance that we were attempting to collect Following our investigation, we forwarded a copy of the complaint to the creditor They have placed the account on a day hold for Executive Services to investigate the dispute further Per the consumer’s request, our office has ceased collection efforts on the referenced account We have not reported the account to the consumer reporting agencies and do not intend to do so in the future If Mr [redacted] has further questions he can contact the compliance department directly at [redacted] @sourcerm.com or [redacted] We are a professional debt collector; however this communication is for the sole purpose of responding to the consumer complaint and providing the results of our investigation This is NOT an attempt to collect a debt

Initial Business Response / [redacted] (1000, 6, 2016/04/06) */ Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case #XXXXXXXX regarding SourceRM Account XXXXXXXX The referenced account was referred to our office by [redacted] regarding a remaining balance of $for [redacted] account number XXXXXXXXXService for this account began on 05/22/An e-mail address provided for the account was [redacted] @yahoo.comThe account became delinquent on 3/20/when the account was cancelled because the consumer transferred to another carrierThe last payment received on the account was 7/2/in the amount of $SourceRM received the account on 4/21/with a balance of $ A validation notice letter was mailed to the consumer on 4/27/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 6/10/ Our office received the first dispute from the consumer on 2/4/via one of the credit reporting agenciesIn response, our office mailed verification to the consumerThe account information reported to the credit reporting agencies has since been updated to reflect that the account has been disputedWe did receive a dispute letter on 2/12/2016, but the dispute did not contain any new information about the consumer's dispute, and verification had already been mailed on 2/4/ In response to Ms***'s complaint, our office has mailed out further verification with documentation to validate the charges on the referenced accountThis verification includes a summary of the account, a [redacted] Bill Summary Report, and [redacted] Billing Statement copies from April and July Our client, [redacted] , has also been notified of the consumer's complaint Should Ms [redacted] have questions or need additional information, he can call our office at XXX-XXX-XXXX or e-mail us at ***@sourcerm.com 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, 2016/04/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never received anything from this companyThey placed a collection on my credit reports without notifying me Final Business Response / [redacted] (4000, 10, 2016/04/15) */ Please advise Ms [redacted] that the letter mailed to her on 4/27/included a notice that the account may be credit reported, even though we are not required to provide the consumer with such notificationWe mailed another letter on 6/18/offering a settlement, and then mailed verification on 2/4/in response to the consumer's disputeIf the consumer did not receive our correspondence, we apologizeHowever verification with documentation has now been mailed to the address provided on this complaintA copy of that verification is also attached for the consumer's review

We previously attached validation of the debt including Retail Installment Contracts, and bills from the original creditorBased on system notes from [redacted] and their review the debt is believed to be accurate and there was no evidence of disputing the Apple watchAccording to [redacted] ’s notes there were many conversations regarding payment plans that were denied by [redacted] due to multiple factors including ; age of debt, previous denied payments and amount offered in relation to amount of debt owedThey did however try to collect payment in full or split the amount due into paymentsWe unfortunately do not have access to [redacted] ’s phone recordings so if you feel something was stated over the phone that does not reflect in the notes we can access you may request those recordings from [redacted] We have requested that the consumer reporting agencies update the account as disputed Consumer reporting agencies may take days or longer to update their files and that is beyond our controlIf the consumer has questions about the information provided or would like to discuss payment options, he can call our toll-free number at [redacted] or contact the compliance department directly at [redacted] We are a professional debt collector attempting to collect a debt Any information obtained will be used for that purpose

We have reviewed the consumer complaint dated 1/27/ Upon receipt, we forwarded the complaint to the creditor Their investigation, as well as ours, indicates that the charges on the account or correct and we have contacted the right consumer If the consumer would like to provide more clarification as to which charges and/or billing statements are disputed, we can investigate further Our agreements with the credit reporting agencies and with the creditor restrict our ability to remove an account that is being reported accurately from the consumer reporting agencies However, we will notify the consumer reporting agencies that the account is disputed Consumer reporting agencies may take days or longer to update their records and that is beyond our control In response to the complaint, we are providing the attached verification with documentation from the creditor, including a Bill Summary Report, Payment History, and Billing Statement copies showing the charges reflected in the remaining balance on the accountWe hope that this helps the consumer understand the debt that we are attempting to collect If the consumer does not plan on returning to the creditor for service, we do have authorization to close the account upon receipt of half of the current balance The account would be closed and updated with the consumer reporting agencies as paid in full for less than the full balance A closed account would also stop any future collection effortsPlease advise the consumer to contact the compliance department directly with questions at [redacted] or [redacted] @sourcerm.com We are a professional debt collector attempting to collect a debt and any information obtained will be used for that purpose

I've contacted them and requested validation to date I still have not receivedI have not contact or account with them

I am rejecting this response because I have yet to receive the packet you are claiming you have sent to me I have give this company an additional address to where I can receive mail and I havent received this packet there either

We have received and reviewed the consumer complaint claiming that the consumer does not have a contract with our office and disputing an account that is placed in our office. 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 multiple equipment cancellation charges 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 the creditorThe 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 ***@sourcerm.com or ***. 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 complaint filed by Mr*** stating that he has not received proper validation of the debt that we are attempting to collect and stating he has no contract with us, therefore is requesting removal from the consumer reporting agenciesWe do not own this debt and
are not required to have a contract with the consumer to collect or report the debt on behalf of ***Upon receipt of the consumer’s dispute via certified letter received by Source RM 01/03/2018, we responded on 01/26/via mail confirming that the information reported to the consumer reporting agencies was believed to be accurate, which was within daysOn 01/26/we mailed out a bill summary report, signed lease agreement, and billing statement copies to the address we have on file which matches the address provided in this complaint, and that documentation has been attached to this complaintWe only reported this debt one time to the consumer reporting agencies which is in accordance with the FCRAWe are not affiliated with *** *** *** therefore cannot request removal from consumer reporting agencies on their behalfThat request will need to be addressed with themAlthough the charges are believed to be valid, we have requested removal of the account from the consumer reporting agencies from Source Receivables Management per the consumer’s request. Consumer reporting agencies may take days or longer to update their files and that is beyond our controlIf the consumer has questions about the information that was provided to him, he is welcome to contact our compliance department directly at ***@sourcerm.com. 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