The Cove

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  
[Provide details of why you are not satisfied with this resolution.]
Regards,
  I have exhausted searching for any info from the dept of exucation and Navient that  would show I owe on any student loan. GC Services only asked for the original contract on the loan. If they are correct they will bring me to court . The dept of education has notified me that they have no contracts with GC Services

May 8, 2017 The Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Suite 1200 Houston, Texas 77027   Re:       Case No. [redacted]; [redacted] Revdex.com Complaint   Dear Sir or Madame:   We received Ms. [redacted]’s complaint on April 28,...

2017.  A client of ours placed her account with our office for handling, and through this complaint, we understand Ms. [redacted] alleges that the account placed in our office for handling does not belong to her and that GC Services has not responded to her requests for a validation of her debt.   Upon receipt of this complaint, we were able to locate Ms. [redacted]’s account in our system. This account was placed with our office for handling on January 19, 2017 with a balance due and owing to our client. After a review of her account, we have found that GC Services received Ms. [redacted]’s first request for the validation of her debt on February 21, 2017.  Upon receiving this request, we requested documentation from our client related to the validation of her debt. Our client provided us with the Cardmember Agreement and Copy of Application and statements associated with this account.   GC Services sent Ms. [redacted] these documents on March 7, 2017. GC Services received a second request for validation from Ms. [redacted] on March 17, 2017. In response to this second request, GC Services again mailed all validation documents to Ms. [redacted] on March 31, 2017.   Ms. [redacted] made a third validation request seeking documentation in addition to what was previously provided on April 14, 2017. GC Services again requested information regarding Ms. [redacted]’s account from our client. In response to this request, our client provided that all documentation has been provided to Ms. [redacted], and GC Services sent Ms. [redacted] a letter informing her that her request has already been fulfilled.   As Ms. [redacted] has requested that we no longer contact her concerning this account, GC Services will honor this request. Additionally we would like to assure Ms. [redacted] that GC Services does not report to the Consumer Reporting Agencies for this type of account.   We apologize for any inconvenience caused through our collections efforts. If you have any questions, please do not hesitate to contact me.      Sincerely, Brad [redacted] Chief Compliance Officer & Legal Counsel

March 3, 2017 The Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Suite 1200 Houston, Texas 77027   Re:       Case No. [redacted]; [redacted] Revdex.com Complaint   Dear Sir or Madame:   We received Ms. [redacted]’s complaint on...

February 21, 2017.  A client of ours placed her federal student loan account with our office for handling, and through this complaint, we understand Ms. [redacted] states GC Services is garnishing her taxes for an account that has been paid in full. Further, Ms. [redacted] states she has never received notice concerning this account, as GC Services has the incorrect address; therefore she has been denied her right to dispute the debt.   Upon receipt of this complaint, we were able to locate Ms. [redacted]’s account in our system. This account was placed with our office for handling on January 17, 2016 with a pending balance due and owing to our client. While holding this account, our records indicate we mailed three letters to Ms. [redacted]’s address of record with our client with no indication of a mail return. Also, we have attempted to contact Ms. [redacted] on a few occasions; however, it wasn’t until February 21, 2017 when we were first able to speak with Ms. [redacted].   On this call, we learned that Ms. [redacted]’s mailing address was different than the address we had on file.  In addition, Ms. [redacted] said she received a notice from the IRS stating her tax refund was applied to the amount she owed to the U.S. government (i.e., a process known as Treasury Offet). After learning Ms. [redacted]’s mailing address changed, we promptly updated her account to reflect her new mailing address.  We have also mailed Ms. [redacted] notification that her account has been placed with our office for handling to her new address.   We would like to assure Ms. [redacted] that GC Services does not have any control over whether or not she is certified for a treasury offset. GC Services performs administrative duties on behalf of our client with respect to involuntary repayment methods. Once certified for treasury offset, her account will remain certified until Ms. [redacted] pays her loans in full or enters into a voluntary repayment plan.   Furthermore, we understand Ms. [redacted] claims her account has been paid in full. However, to date, we have not received any correspondence from Ms. [redacted] supporting her claim that the debt is paid in full. In addition, our client does not show any records of the account being paid in full. In an effort to respond to Ms. [redacted]’s claim of her account being paid in full, we have mailed documentation validating her pending account balance.   We apologize for any inconvenience caused through our collection efforts. As our client records continue to show a remaining balance due and owing, we would like to work with Ms. [redacted] and assist her with removing her account from default. We encourage Ms. [redacted] to contact our office.   If you have any questions, please do not hesitate to contact me.      Sincerely, Brad [redacted] Chief Compliance Officer & Legal Counsel

April 20, 2017 The Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Suite 1200 Houston, Texas 77027   Re:       Case No. [redacted] Revdex.com Complaint   Dear Sir or Madame:   We received Mr. [redacted]’s complaint on April...

10, 2017.  Through this complaint, we understand Mr. [redacted] states after advising our office his account was wrongfully sent into collections, he was promised a return phone call; however, GC Services failed to return his call. In addition, Mr. [redacted] states he has resolved his account with our client directly and was advised his account would be removed from his credit report; however, GC Services has failed to remove the account reported on his credit report.   Upon receipt of this complaint, we were able to locate Mr. [redacted]’s account in our system. Mr. [redacted]’s account was placed with our office for handling on November 17, 2016. Since holding this account, our records indicate we have spoken with Mr. [redacted] on a few occasions. We would like to apologize for any inconvenience caused through our communication efforts. GC Services strives to provide unparalleled customer service in every interaction we have. After review of our call recordings, we believe our account representative could have displayed better customer service towards Mr. [redacted] and his needs.   Furthermore, since receiving Mr. [redacted]’s complaint, we notified our client of his dispute. Recently, our client recalled his account from our office. As Mr. [redacted]’s account has been recalled, GC Services has submitted a request to have the reporting by GC Services on behalf of our client deleted from his credit report.   We apologize for any inconvenience caused through our collection efforts. As stated, Mr. [redacted]’s account has been recalled from our office and a request to have the account removed from his credit report has been submitted.   If you have any questions, please do not hesitate to contact me.      Sincerely, Brad [redacted] Chief Compliance Officer & Legal Counsel

March 24, 2016
The Dispute Resolution Team
Revdex.com of Metropolitan Houston
1333 W. Loop South, Suite 1200
Houston, Texas 77027
 
Re:       Case No. [redacted] Revdex.com Complaint
 
Dear Sir or Madame:
 
We received Ms....

[redacted]’s complaint on
March 16, 2016.  A client of ours placed
her account with our office for handling, and through this complaint, we
understand Ms. [redacted] is claiming GC Services has been calling her and her family
several times a day. Further, Ms. [redacted] has requested all calls to cease.  
 
Upon receipt of this complaint, we
were able to locate Ms. [redacted]’s account in our system. This account was placed
with our office for handling on March 4, 2016. The filing of this complaint is
the first we’ve heard from Ms. [redacted]. 
 
After receiving this complaint and
reviewing our account notes, our records indicate we have been attempting to
reach Ms. [redacted] through phone numbers provided by our client that are associated
with her account, which may have included her family member’s phone numbers.
Because we had not yet been able to speak with Ms. [redacted], our account
representative was skiptracing- a process called obtaining “location
information’ allowable under the FDCPA. 
Since holding this account, our records all our calls were made in
accordance with our company policy and did not exceed the allowable number of
calls per day.
 
We apologize for any inconvenience
our communication efforts have caused; however, we would like to speak with Ms.
[redacted] as our client’s records indicate a balance due and owing. However, because
Ms. [redacted] has requested to no longer receive phones calls, GC Services will
honor her request. GC Services has placed Ms. [redacted]’s account in a verbal cease
communication status that will prevent any future calls from occurring.
 
If you have any questions, please
do not hesitate to contact me.   
 
Sincerely,
Brad
[redacted]
Chief
Compliance Officer & Legal Counsel

Most Recent MessageDate Sent: 5/8/2017 5:19:11 PMMay 8, 2017The Dispute Resolution TeamRevdex.com of Metropolitan Houston1333 W. Loop South, Suite 1200Houston, Texas 77027 Re:       Case No. [redacted] Dear Sir or Madame: We received Ms. [redacted]’s complaint on April 28, 2017.  A client of ours placed her account with our office for handling with an amount due and owing to our client. Through this complaint, we understand that Ms. [redacted] alleges that she did not receive a refund of the amount that she paid to GC Services after her citation was dismissed in court. Upon receipt of this complaint, we were able to locate [redacted]’s account in our system. This account was placed with our office for handling on August 22, 2016 with a pending balance due and owing to our client. After reviewing this account, we have found that Ms. [redacted] paid $730 dollars on November 21, 2016 on this account through the GC Services website. GC Services has confirmed that Ms. [redacted]’s citation was dismissed and that the court has approved a refund to be issued to Ms. [redacted] in the amount of $730. Ms. [redacted] spoke to a GC Services account representative on March 2, 2017 who informed her that refunds issued by the court may take six to eight weeks to be processed. Ms. [redacted] again spoke to a GC Services representative on April 26, 2017 who informed her that refunds are not handled by GC Services but by the court. We understand that Ms. [redacted] has not yet received her refund and recommend that she contact Ms. [redacted] at [redacted] for further questions regarding this matter, as GC Services is not involved with issuing refunds after citations have been dismissed. We apologize for any inconvenience caused through our collections efforts. If you have any questions, please do not hesitate to contact us.      Sincerely,Brad [redacted]Chief Compliance Officer & Legal Counsel

December 22, 2016 The Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Suite 1200 Houston, Texas 77027   Re:       Case No.[redacted]; [redacted] Revdex.com Complaint   Dear Sir or Madame:   We received Mr. [redacted]’s complaint on December...

14, 2016.  A client of ours placed his federal student loan account with our office for handling, and through this complaint, we understand Mr. [redacted] alleges GC Services (1) continues to contact him at work despite being advised not to; (2) has contacted his human resources department and has threatened to garnish his wages; and (3) has administered rude and unprofessional behavior towards him when speaking to him about his student loan. Further, Mr. [redacted] claims his student loans are in a current status and has requested GC Services stop calling him concerning this account.   Upon receipt of this complaint, we were able to locate Mr. [redacted]’s account in our system. This account was placed with our office for handling on November 9, 2014 with a pending balance due and owing to our client. Since holding this account, our records indicate we have spoken with Mr. [redacted] on several occasions. Through several of our communications with Mr. [redacted], we’ve attempted to enroll him into a loan rehabilitation program that would assist him with removing his account from default. Unfortunately, to date, Mr. [redacted] has been unable to fully complete the program, leaving his account in a defaulted status. During our communications with Mr. [redacted], our account representatives worked courteously with him and did not display any rude or unprofessional behavior when discussing the account.   In addition, Mr. [redacted] alleges GC Services continues to contact him through his work number after being advised not to. After review of our call records, our notes indicate on September 20, 2016, Mr. [redacted] requested we no longer contact him. Unfortunately, our account representative failed to exhausted Mr. [redacted]’s work phone number ending in [redacted] from the account. As a result, Mr. [redacted]’s phone number was called an additional five times. GC Services does not condone these actions and the account representative handling Mr. [redacted]’s account has been disciplined according to company policy.   Furthermore, we understand Mr. [redacted] claims GC Services contacted his human resources department and threatened to garnish his wages. To provide further context this complaint,  Mr. [redacted]’s loan is a type of account that enables us, on behalf of our client, to initiate and facilitate an administrative wage garnishment- a non-judicial process allowed by federal law for federal student loans. On August 23, 2016, our records indicate we contacted Mr. [redacted]’s place of employment to verify employment. At no time did our account representative threaten to garnish Mr. [redacted]’s wages; however, our account representative did mention that verifying employment was for a potential administrative wage garnishment.   We apologize for any inconvenience caused through our collections efforts. We remain willing to assist Mr. [redacted] with removing his account from default. However, as Mr. [redacted] has requested through his complaint to no longer be called concerning this account, GC Services will honor his request. GC Services has placed this account in a verbal cease communication status which will prevent any further call attempts to Mr. [redacted].   If you have any questions, please do not hesitate to contact me.      Sincerely, Brad [redacted]Chief Compliance Officer & Legal Counsel

February 3, 2017 The Dispute Resolution Team Revdex.com of Metropolitan Houston 1333 W. Loop South, Suite 1200 Houston, Texas 77027   Re:       Case No. [redacted]; Quownna [redacted] 2nd Unresolved Revdex.com Complaint   Dear Sir or Madame:   We received Ms. [redacted]’s original complaint on January 4, 2017.  On January 24, 2017, Ms. [redacted] filed a second rebuttal indicating she did not accept our prior responses. Through Ms. [redacted]’s rebuttal, she has requested GC Services remove the delinquent account from her credit report.   As mentioned in our initial response, Ms. [redacted]’s account was reported to the consumer reporting agencies (CRAs) on August 20, 2016 for her delinquent balance due and owing to our client. On September 3, 2016, we received notice from the consumer reporting agencies that Ms. [redacted] was disputing her account and this same day her account was updated to reflect a disputed status.   While holding Ms. [redacted]’s account, her account balance was adjusted by our client. Immediately following, we submitted a request to the consumer reporting agencies to update Ms. [redacted]’s account to show her updated account balance.   Most recently, our client recalled Ms. [redacted]’s account from our office. As such, we have requested the consumer reporting agencies delete the reporting from Ms. [redacted]’s account as we are no longer handling her account in our office.    We apologize for any inconvenience caused through our collections efforts. As Ms. [redacted]’s account has been recalled from our office, GC Services is no longer handling the account. GC Services has submitted a request to the consumer reporting agencies to have the account removed from Ms. [redacted]’s credit report.   If you have any questions, please do not hesitate to contact me.      Sincerely, Brad [redacted] Chief Compliance Officer & Legal Counsel

December 12, 2016
The Dispute Resolution Team
Revdex.com of Metropolitan Houston
1333 W. Loop South, Suite 1200
Houston, Texas 77027
Re: Case No. [redacted]; [redacted] Revdex.com Complaint
Dear Sir or Madame:
We received Mr. [redacted]’s complaint on December 3, 2016. Our client has placed the federal student...

loan account with our office for handling. Through this complaint, we understand that Mr. [redacted] claims this loan does not belong to him and that GC Services has purchased the loan and is now harassing him in an attempt to collect on the account.
Upon receipt of this complaint, we were able to locate the account in our system. We would like to assure Mr. [redacted] that GC Services has not purchased this account. This account was placed with our office for handling on October 29, 2016 with a pending balance due and owing to our client. While holding this account, our records indicate we’ve attempted to contact Mr. [redacted] through written correspondence and call attempts. Unfortunately, we have been unable to reach Mr. [redacted].
Mr. [redacted] states that this is a case of mistaken identity. We would like to clear up any confusion but the only way to accomplish that is through verification via Mr. [redacted]’s social security number. We can understand that he may be reluctant to provide this information but if Mr. [redacted] could call us to provide just the last 4 digits of his social security number we would be able verify whether the Mr. [redacted] is the person we are looking for. He can call and speak directly with a manager who is aware of the situation. We ask that Mr. [redacted] call Brittney [redacted] directly at 877-244-7901.
If Mr. [redacted] is not the person we are looking for, we will document the account accordingly and cease all attempts to collect on the account from him. We apologize for any inconvenience caused through our collection efforts. We encourage Mr. [redacted] to contact our office so we may assist him with clearing up any confusion that might surround his account.If you have any questions, please do not hesitate to contact me.
Sincerely,
Brad [redacted]
Chief Compliance Officer & Legal Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  
Didn't have a license plate in the front of my car. got a ticket and had to pay $730 to GC services in order to appeal it in court. The ticket was dismissed months ago but I never got a refund. GC Services is claiming that the court should issue a refund but we paid THEM.I would like to receive my money back.
Regards,