Source Receivables Management

We have received and reviewed the consumer complaint claiming that an account that we reported to the consumer reporting agencies has been paid in full and has not been removed from these agenciesUpon review of the account we show any balance owed was satisfied in installments, with the last
installment being paid on 08/03/We have requested removal from the consumer reporting agencies due to a specific arrangement that was agreed upon for this particular consumer, however please keep in mind that it could take days or greater for this to be updated on their end which is beyond our controlWe 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 a dispute and is NOT an attempt to collect a debt

We have received and reviewed the complaint filed by Mr***. The referenced account was paid in full directly to *** on or around 6/27/and was closed in our office as paid in full 6/27/ Unfortunately we cannot remove the reporting from the consumer reporting
agencies as that would be against our agreement with the creditor and the credit bureaus. We have, however, requested that the consumer reporting agencies update the account to reflect as closed and paid in full. Consumer reporting agencies may take days or longer to update their files and that is beyond our control. We have submitted an online update to try to expedite this process. A receipt letter has also been mailed to the consumer indicating that the account is paid in full. We hope that this helps resolve the consumer complaint

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and I accept itThank you

We have received and reviewed the consumer complaint claiming that the consumer does not have a contract with 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 cancellation charges for equipment 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 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 or would like to discuss payment options, 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 consumer complaint claiming that we have reported an account that should be removed from the consumer reporting agenciesThis account was recalled by the client on 12/01/therefore we ceased collection efforts on that date. We requested removal from all
consumer reporting agencies on 12/08/2017; however it could take the consumer reporting agencies to days to update which is unfortunately out of our control. We hope we have helped the consumer resolve this complaint. We are a professional debt collectorHowever this communication is for the sole purpose of responding to your complaint and is NOT an attempt to collect a debt

Initial Business Response /* (1000, 8, 2015/08/06) */
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 Sprint regarding a remaining balance of $for
Sprint account number XXXXXXXXXService for this account began on 04/11/An e-mail address provided for the account was ***@yahoo.comThe last payment received on the account was 06/05/in the amount of $The account was cancelled by the consumer (ported out) on 07/03/The account became delinquent 07/15/SourceRM received the account on 08/17/with a balance of $SourceRM mailed validation notice letters to the consumer on 08/22/and 09/16/advising her that the account was placed with our office and of his right to dispute the debt
We investigated the consumer's account on Sprint's system and found that the remaining balance of $was reflected on her final bill dated July 15, The charges were for a previous balance of $and new charges of $The new charges were for two early termination fees totaling $700.00, late payment charges totaling $8.47, Sprint surcharges totaling $41.70, and Government taxes and fees totaling $
Please be advised that SourceRM has ceased collection efforts for this account per the consumer's requestShould Ms*** have questions or need additional information, she can call our office at XXX-XXX-XXXX or e-mail us at ***@sourcerm.comAdditionally, we have requested the account be deleted from any consumer reporting agency files to which we have submitted informationConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control
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 /* (2000, 11, 2015/08/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied that they agree to remove the collection from all Credit Reporting AgenciesHOWEVER I would like something in writing that this collection will NOT be sold to any other debt collector
Thank You

Initial Business Response /* (1000, 7, 2016/06/23) */
Source Receivables Management (SourceRM) has reviewed the information received in Revdex.com Case #*** regarding SourceRM Account ***
The referenced account was referred to our office by *** regarding a remaining balance of $for
*** account number ***Service for this account began on 4/27/The last payment received on the account was 1/4/in the amount of $The account was cancelled on 1/29/(transferred to another carrier)The account became delinquent on 1/30/SourceRM received the account on 3/6/with a balance of $
SourceRM mailed a validation notice letter to the consumer on 3/12/advising him that the account was placed with our office and of his right to dispute the debtOn 5/19/2016, our office received a dispute letter from MrW***In response, we mailed verification to the consumer on 6/2/Attached please find additional verification documentation obtained from ***, including a *** Bill Summary Report and *** Billing Statement copies from December and January
As it does appear that the consumer was deployed at the time we sent out the original notice of this debt, we have decided to honor the consumer's requestWe 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
Should MrW*** have questions or need additional information, he can call our office at *** 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 /* (2000, 10, 2016/07/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

We have received and reviewed the consumer complaint disputing the debt placed in our office and requesting communication in writing onlyThe above complaint was our office’s first notification that the referenced account was disputed. We conducted an investigation and forwarded the dispute
to the creditor for additional review. According to our investigation as well as the creditor’s, we have reached the correct consumer and the charges are valid. We 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 disputedWe have also flagged the consumer’s phone number so she does not receive any further calls from usIf the consumer has any questions or would like to discuss payment options, the compliance department can be reached directly at ***@sourcerm.comWe 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 /* (1000, 5, 2015/08/06) */
Source Receivables Management (SourceRM) has received Ms***'s complaint dated 08/03/stating an agent failed to identify herself and the company properly and that her cell phone was called without authorization
The referenced
account was referred to our office by *** regarding a remaining balance of $for *** account number XXXXXXXXXService for the account began on 06/29/An email address provided for the account was ***@yahoo.comThe last payment received on the account was 03/21/in the amount of $The account went delinquent on 04/22/SourceRM received the account on 05/18/with a balance of $A validation notice letter was mailed to the consumer on 05/25/advising her that the account was placed with our office and of her right to dispute the debt
Per Ms***'s request, her number has been added to SourceRM's Do Not Call databases; therefore she will not be receiving any further calls from our office at the number we have on fileWe have also ceased collection efforts on the above referenced accountPer the consumer's request, we have requested the account be deleted from any consumer reporting agency files to which we have submitted informationConsumer reporting agencies may take up to days or longer to update consumer reports and this is beyond our control
SourceRM is a professional organization and we train and test our collectors on FDCPA requirementsIt is the intention of SourceRM to provide services in a professional mannerWe regret any inconvenience we may have causedAll conversations that our office had with Ms*** will be monitored by our compliance team and any issues found will be addressed with our agentsPlease advise Ms*** to contact our office if she has any further questions or concerns
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

We have received and reviewed the consumer's additional response Verification confirming that the the debt was valid was mailed to the consumer on 6/23/at the same address as provided on his complaint and the mail was not returned Additional verification including extensive documentation from the creditor to validate the debt was mailed to the consumer on 7/17/in response to the consumer's complaint That mail was also sent to the address provided on this complaint and has not been returned I have attached a copy of the verification with documentation that we mailed to ensure that it is received by the consumer We hope that this helps the consumer understand the balance

(The consumer indicated he/she ACCEPTED the response from the business.)
I will accept the companies response at this timeIf this item is not immediately removed I will file a complaint with the United States Attorney General's Office Consumer Fraud Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and I accept itI have mailed a payment of $today and request a letter upon receipt of payment and documentation that the account has not been placed on my credit file

I am rejecting this response because: Source RM did not adequately or lawfully respond to my initial communication within the statutory time allowed by federal law (FCRA)Source RM's inadequate response to my initial communication and request pursuant to FCRA 623/FACTA meets the definition of a "non-response", therefore, the only legal action that can be made by them at this time is to instruct the bureaus to remove the account from my credit file prior to continuing their reporting for this alleged accountSource RM profits commercially by violating consumer rights in this manner and othersThe only acceptable and lawful outcome is for Source RM to remove their illegal reporting of an invalid account from my credit fileAn invoice printout does not substantiate the information they're reporting on this accountFCRA 623/FACTA IS NOT A REQUEST FOR VALIDATIONUnder the aforementioned titles they are required to provide PROOF OF THE ACURRACY OF THE INFORMATION THEY'RE REPORTINGThis can only be done by showing where I have personally made performance on this account using a negotiable instrument belonging to an account owned by me at a financial institution that is not affiliated with Source RMSource RM failed to perform under the requirement of the FCRA, FACTA, ECOA, and FCBAREMOVE THE ENTRY FROM MY FILESource RM also failed to notify the bureaus that this entry is being disputed by the consumer which is yet another violation of federal law

We have received and reviewed the consumer complaint According to our records, *** advised the consumer to fill out and return a fraud packet in August On 6/8/2017, our office also mailed the consumer a fraud packet for completion, but it was never returned The address
provided on the consumer complaint is the same address used to open the account with *** and there was usage on the account, therefore we do not believe this account is a result of identity theftAs the information reported to the consumer reporting agencies appears accurate and complete, we have not removed the reporting but have made sure that the account is updated as disputedThe attached verification with documentation has been provided to help the consumer understand the charges on the account This information has also been mailed to the consumer's addressIf there are any questions about the information provided, the consumer can contact the compliance department directly at *** or ***@sourcerm.com 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 an account reported to the consumer reporting agencies should be removed because it was paid in full. According to the creditor, they mailed the consumer a letter stating that the referenced account was getting ready to go to a
collection agency on 2/5/to the same address as listed on this complaint. The account was placed in our office by the creditor on 2/10/2017. A letter notifying the consumer that the account was placed in our office and notifying her of her right to dispute the debt was mailed to her on 2/15/2017. On 5/8/2017, we received a dispute via TransUnion claiming that the account belonged to another individual with the same or a similar name. In response, we verified we had reached the correct consumer and the charges on the account were valid. We mailed verification of the debt to the consumer on the same day. On 5/15/2017, one week later, we received a check for the balance in full. We did not speak to the consumer prior to receiving payment on the account. Our first conversation with the consumer was on 9/25/where the consumer was requesting that the account be removed from her credit because she paid in full. The manager explained to her that we do not remove for payment and she was not satisfied with his response. Per our agreement with the consumer reporting agencies and the creditor, we cannot remove an account from the consumer reporting agencies based on payment of the account. The account is reported accurately as paid in full We have mailed a letter to the consumer stating that the account was paid in full for her records. If she has additional questions, she is welcome to contact the Compliance Department at *** or ***@sourcerm.com. 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:
As promised I want this removed from all credit bureaus negatively and at its entirety .If you are professional you will removed this from all credit bureaus .I had the contract with *** and not you but you collected the money for them .The representative I spoke with when I settled advised it will be paid and settled and advised it will be removed from all credit bureaus .Please remove it

We have received and reviewed the complaint filed by Ms***. On 10/17/2016, Ms*** spoke to one of our representatives and agreed to pay a settlement of $on 10/21/2016. A letter notifying the consumer that the account had been closed as settled in full was mailed to the
consumer on 10/25/per her request. One or more disputes were received via the consumer reporting agencies shortly after payment. The account was therefore updated as disputed with the consumer reporting agencies and the information reported was confirmed as accurate. Unfortunately we cannot remove the reporting from the consumer reporting agencies as that would be against our agreement with the creditor and the credit bureaus. Per the consumer’s request, we have mailed documentation from the creditor to the consumer at the address provided on this complaint to help her understand the original balance owed to the creditor. Once again, however, the account has been paid as settled in full and is closed in our office. Collection efforts on the account have therefore ceased. We hope that this helps resolve the consumer complaint. 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:
In the response where it states they previuosly sent me validation or verification of the debt with their company is completely falseI have yet to receive any information validating and verifying the account

We have received and reviewed Ms***’s complaint regarding her conversations with our office on 6/8/2017. We apologize that Ms*** was upset by her interactions with our office and appreciate her bringing them to our attention. We have reviewed all call recordings and addressed
any issues with the representatives involved. Per the consumer’s request, we submitted an online deletion request to the consumer reporting agencies to expedite the process of removing any reporting of the consumer account that is was recalled from our office. We mailed a copy of the removal request to the consumer at the address provided on this complaint per request. We have also checked with each of the major consumer reporting agencies and they have confirmed that the listing has been removed. We hope that this helps in resolving the consumer’s complaint. Please have Ms*** reach out to the compliance department directly at *** or ***@sourcerm.com if she has any questions about the information provided

Again, we are not required to have a contract with the consumer as we do not own the debt; the consumer's contract was with the creditor and a copy of that contract has been provided to her The consumer did pay the settlement of $and the account was closed per agreement We also notified the creditor that the account was closed Our office did not advise the consumer that it would be removed from the consumer reporting agencies Per our agreement with the creditor and with the consumer reporting agencies, the account was accurately updated to reflect that the account was closed and paid in full for less than the full balance (settled) We cannot remove the account from the consumer reporting agencies as that would be against our contract with them and with our creditor If the consumer has any additional questions she is welcome to contact the compliance department directly using the information provided on the letter 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