U.S. Collections West, Inc.

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and
find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action will only resolve my complaint when I am provided documentation proving that the *** *** account has been reported as settled in full to all credit bureaus per *** ***'s responseAs of now, all I have is his word and this is not sufficient enough considering the issues upon issues we've had with the agency.
Regards,
*** ***

To Whom It May Concern,On 12•2-I phoned Ms*** I gave her the Mini Miranda and informed her that she had an outstanding balance of $4,754.86.She indicated she can't borrow the monies I pulled her credit and she has perfect credit except for the account with our office
She refused to borrow the money I offered her a settlement She s*d she would have to do that in payments as well.I informed her I could not do the settlement in payments but that I would set her up on paymentsShe said she would see what she could do or a payment arrangement and call me back.On 12-3-Ms*** did not call back so I called her to see what she was going to doShe said she was trying for the $settlement I said that would have to be made in one payment She said she was at work I told her to take a break and call me back, I told her: needed to know for sure she can do the $2,before we call our clients office.On 12-3-Ms*** called me back and said she can do the $in paymentsShe would do $1,on the 19th and the remaining $1,on the 2" of January I requested my supervisor *** *** to contact our client regarding this settlement offer*** *** c'id call and spoke to *** with the client's officeShe indicated that Ms*** had also called them trying iO settle the accountOur client told Mr*** they would accept 80% which was $3,and that" ould be the best offer they would be able to give her.On 12-8-I called the consumer on her cell phone, when the voicemail came on I did not leave a messageOn 12-10-I called the consumer on her cell phone when it went to voicemail then disconnected me.The consumer called me back and I told her our client said no to the settlement amount and gave her their counter offer of $3, She did not like that She then offered to pay $a month I told her we will not accept that small of a payment arrangementShe has perfect credit, a great job and she can pay this.I told Ms*** she lives in a garnishment s*** I did not say I woLid garnish herShe said "I know I'm in a garnishment s*** I work for the federal governmentWe were unable to come to a mutual agreement so I then terminated the call and ordered suit authorization.A reasonable payment arrangement is not $a month I said ihe was living in a garnishment s*** never did I threaten anything.The owner of U.SCollections West, Inc., *** *** has spoken to Ms*** and they have come to a mutual agreement to settle the account in full

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
03/20/wasn't the first phone call made to *** ***That was the last callMy first call was on 03/06/I called concerned since I wasn't aware I owed the original creditorI had sent them a check a week after the procedureI at that time wanted it removedI had already called the original creditor and they told me I could pay them the amount less the collection fee and they would take care of it on their endOn 03/06/I called US West Collections to let them know that, at that time I was told that sometimes the original creditor won't tell US West Collections to remove the itemI was told that the best route was to pay directly with US West Collections to get the matter resolvedSo two weeks later when I made the payment I said to *** and told him I just wanted to get it resolved and taken off my report, he gave me a snobby remark "Mrs*** you're the one calling me"I left a voicemail on 04/17/saying that it hadn't been removedNo one called me back everI don't think I'm asking for much here considering everythingI was never rude or snobby towards anyone, I just wanted the issue removed as soon as possibleLook how quickly I turned around to pay itI really wouldn't of issued this complaint if I hadn't asked for it to be removed in return for paying what was showing as owedI was never told that a removal couldn't be done.
Regards,
*** ***

-To Whom it May Gcnccrn,On 10/05/2016 Mr.[redacted] came to our office and we settled his account for less than half of the original amount. His account has been coded as sett led in full. He requests to have the reported data reported by us to [redacted] Credit Reporting deleted because he settled his account for less than what he owes. We are not allowed to do this as it wou ld not be an accurate report from us regarding his account with us.See attached

To Whom It May Concern: On 3-20-15 [redacted] called out office and spoke to [redacted].  All of our calls are monitored.  At no time was she told this would be deleted from her credit report.  She was told by Mr. [redacted] this would show as paid in full.

I contacted the [redacted], they had a management change, was not sure why there was not another notice sent out before it went to collections. The [redacted] did agree to accept the original amount of the debt, as I was finally provided the documentation of the debt, which I paid. As of this writing I requested this collection be taken from my credit report, this has not been accomplished. So until that is taken care of I reject the response.Regards Floyd W[redacted]

To Whom  it May Concern:On 4/26/2017 Brandon  did call Mr.  [redacted]. Our calls are recorded and at no time  was Brandon rude in any way. He did verify  the last 4 numbers  of Mr. [redacted]  social security number because we must be sure we are speaking with the...

correct  party. Brandon also called Mr.  [redacted] place of employment to verify  he was employed there. No personal information was given other  than his name. If Mr. [redacted] would like to call me to resolve this I would  be happy to speak with him.

SORRY  we have not responded to this complaint got past us,  a formal response to the complaint will be sent next week,  no one ever told the consumer we would delete from her credit, she knew she had the debt and waited over 30 days to make payment from the date we mailed our...

notice to her informing her that if the debt\ was not paid with in 30 days it would be reported to her credit, she failed to pay with in those 30 days, thanks [redacted]PresidentU.S. Collections West, Inc.[redacted]Phoenix, AZ  85029###-###-####toll free ###-###-####

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.  For your reference, details of the offer I reviewed appear below.The gentleman I had spoken with was unsatisfied with me being Able to make any type of payments if it was anything less than $150. I never once received a letter in 2013 as they stated in their response. If so, I wouldn't have called back years later to try and see what this amount was. If it hadn't been for the mortgage lender, I would have never known about this .I would like to stop being harassed by this company and I will pay my half during income tax season . 
Regards,
[redacted]

To Whom it May Concern,On 8/17/16 we sent our first demand letter to the address he provided our client. On 8/29/16 Mr. [redacted] did call our office  requesting documentation of his account. He was not spoken to rudely in any way. On 9/8/16 before  we sent him the documentation we received a...

certified letter of dispute. On 9/13/16 we mailed all documentation to Mr. [redacted] by certified mail, tracking # [redacted]. We also asked our client  to respond to his dispute and that was also sent to him by certified mail on 9/19/16, tracking # [redacted]. All were sent to the address he provided. They were signed for by Roger Wherler. All correspondences were sent to the same address. Sincerely, Kevin J[redacted]

Initial Business Response /* (1000, 5, 2016/09/12) */
[redacted] purchased her vehicle from us in June of 2014. When she purchased her vehicle she also took advantage of the recommended extended warranty which has covered and paid for the mechanical repairs and issues. In 2012 the[redacted] report...

shows an estimate, however, there was no claim against the vehicle. The only claim against the vehicle was in 2015 which I assume was done while in her possession. [redacted] claims we have not responded to his emails. This isn't the case as I have copy of email correspondence. Approximately 2 months ago I offered to buy the vehicle back from the client well above book and market values. The client declined at that time. We decided not to discuss the matters any further after [redacted] left our showroom speaking undesirable words towards one of our employees. We opened the lines of communication again over the past couple of weeks. I offered to buy the vehicle back again but due to the time that had passed and the seasonality of the vehicle the value at this point was reduced. At this point, we have done everything we can. Therefore, I explained to [redacted] that we will have to go our separate ways from here
Initial Consumer Rebuttal /* (3000, 7, 2016/09/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Here's the crux of the complaint. I am assuming that the BMW sales staff were fully aware of a $[redacted] assessment on the vehicle. They were asked point blank if there were any past problems with the vehicle and stated no. I have no idea why. There is no denying this.
I was notified of the past $[redacted] assessment only recently when I decided to trade the vehicle in at a NON BMW dealer. The trade offer was reduced by $[redacted] to a value $[redacted]. Subsequent dealers offered the same value. [redacted]
Final Business Response /* (4000, 11, 2016/09/28) */
Unfortunately, we've tried to come to a resolution with the customer. We offered to buy the vehicle back at the beginning of the summer for the price they are currently requesting. However, they declined. Another attempt to purchase the vehicle back a few weeks ago was declined as well.
Final Consumer Response /* (4200, 13, 2016/09/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
For clarifications purposes the first offer to me was for $[redacted]. A few minutes later it was $[redacted]. I was going on Holidays the next day and had very little time to consider this. I was also thrown off due to the fact I was scheduled to drive to [redacted] and parts beyond and had to make arrangements for an alternate vehicle because they had not properly repaired my BMW despite having it for a week or so. Their response to me was " there is nothing we can do".
After returning from my driving trip and realizing my dream car was sitting idle all this time I called to negotiate the offer up to $[redacted] which I thought was fair. I was then informed that the offer would be reduced to $[redacted]. OUCH.
[redacted]
It should be stated that at the time of these discussions I was not aware of the [redacted] report revealing a pre-existing Insurance assessment devaluing the vehicle by $[redacted]. Which is the nature of this complaint.
[redacted]

Our first contact with [redacted] and his mother [redacted] was on 11/14/2013 when she and [redacted] called our office. [redacted] gave us verbal permission to speak with his mom in regards to this account. At this point in time they were trying to make the case that [redacted] had signed a roommate...

release form and should not be on the account. They were going to contact [redacted]'s roommate) about the roommate release form. [redacted] never produced the roommate release form and on 1/13/2014 we received a call from our client ([redacted]) that both [redacted] and his mother have been repeatedly calling them about the account. Our client would simply refer them back to US Collections West Inc. Later in the day on 1/13/2014 our General manager [redacted] received a voice mail from [redacted]. This message was forwarded to me ([redacted]) on 1/13/2014 as about 4:30pm. I made a call to [redacted] and left a voice mail. She returned the call at about 5:30pm. [redacted] wanted to know if they could obtain a single party release for [redacted] if they paid half of the balance due. On 1/14/2014 I contact our client ([redacted]) and they refused to give a single party release to Mr. [redacted]. I then contacted [redacted] at about 9:55am and informed her that our client refused to do a single party release. I told her that we could do a credit card payment for the balance due of $323.92 to clear the account today, but that [redacted] and [redacted] still had an outstanding account with [redacted] for a security deposit for $500 they took out which still has a balance due. [redacted] did not seem concerned about this at all. A zero balance letter was sent to [redacted] on 1/15/2014 and we did not hear back from him until 8/11/2014. [redacted] requested another zero balance letter be sent to him at: [redacted]., Tampa, FL 33635. That letter was sent on 8/12/2014 and returned to us on 8/27/2014 as a bad address. We did not hear back from [redacted] again until 11/19/2014 when he filed this complaint. Since it appears that I did not make it completely clear that there were two accounts, one with "[redacted]" and with "[redacted]" (for a security deposit at [redacted]) we are going to close the second account as settled in full to amend the error we made with this account and report it to the credit bureaus as such. In the complaint [redacted] says that we promised to remove this from his credit report. It is company policy that we never use the term "remove" in regards to an individual's credit report. We can only update the status of their account as ({paid in full" or ({settled in full". [redacted] also claims that his credit report still shows his account as unpaid. Again, [redacted] and [redacted] had two accounts, one with "[redacted]" and "[redacted]". The credit bureaus will still be reporting the [redacted] account as in collections as it has never been paid and again we are going to close that account as settled in full.Sincerely,[redacted]- Sr. Recovery Specialist US Collections West Inc.

To Whom It May Concern:The date of last service was 3-2014.   Our client sent her more than one bill before they turned her over to collections We sent her a notice on or around 1-6-2015 and on 2-24-.2015. She contacted us on March 10, 2015 and still did not pay until March 20, 2015. My suggestion is to pay when you get billed and if you move put in a change of address with the post office and if you still don't get your notices complain to the Revdex.com about the U.S. Post Office. We never agreed to delete this from her credit.  We did nothing wrong.

On 3-31-15, Mr. [redacted] called me wanting information on his account placed for collections. Mr. [redacted] refused to identify the nature of his call other than he wanted information. I could not confirm who he was so I did not state the name of our firm, but I did identify myself. I...

did have to get a supervisor to assist in verifying his identity. Mr. [redacted] claims I said I would not send documents on this account. I did not because he would not give his address information. I mentioned a few possible addresses that I located, including [redacted] Corona, CA 92879. He said "yeah, there" even though it was verified that the address is his mother's address.Mr. [redacted] claimed I offered $500.00 to stop proceedings, this is incorrect. My supervisor made the offer to pull the file from being forwarded to our finalization department if he committed to a voluntary payment. Again, he refused. No mention of any garnishment was made prior to obtaining suit authorization from our client. Only once suit authorization was obtained, I did make a final call to Mr. [redacted] to inform him his account would be forwarded to a newly assigned representative in our finalization department to execute on the judgment if no agreement was reached. He would not commit.The call terminated, the account was submitted to the finalization department. "Attached is an e-mail obtained from Mr. [redacted] to the newly assigned representative, Richard Bryant, indicating he had changed his perspective on our company and has agreed to the terms.

Dear Ms. Garcia,We feel $150.00 per month is very reasonable for a $5,000.00 bill.  I can not answer to what  she did with the letter we sent her in 2013.Ms.Perea has not been harassed and there is no half of this bill, it is one bill.Sincerely Yours,[redacted]Account Representative

To Whom It May Concern:On 5/1/13 we sent her our 1" demand letter. On 6/19/15 the consumer called in regarding her account, She mentioned a $6000.00 fee on her credit. I advised her she had a debt for $5757.68 at which point she mentioned she did not have a lump sum to apply towards this.I...

never informed consumer she could postpone paying until her taxes came in, nor did w"' discuss the co maker's obligation  to this debt. We have no one here named [redacted] or [redacted].On 7/14/2015 [redacted] called [redacted] regarding the apartment lease at [redacted]. Ms. [redacted] stated that she found out about tt1is account years after, this was reported in June2013Ms. [redacted] stated to Mr. [redacted] she wanted to pay the account when she received her taxes next year.  Mr [redacted] attempted to negotiate with Ms. [redacted] a payment plan until she received her tax return, but she was not happy with the amount that he offered which was $150.00 per month. She countered stating thatshe would like to pay$ 25.00 per month. Ms. [redacted] stated to Mr. [redacted] that I approvecl such arrangements, He mentioned to her that $he must have misunderstood him and advised her at this time he would not grant her request for that arrangement. In no point of the conversation did Mr. [redacted] laugh at the consumer. He did advise her that we would be protecting our client's intere$t and seeking other remedie' to resolve the account.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

I have reviewed the response made by the business in...

reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

To Whom It May Concern,On 12•2-14 I phoned Ms. [redacted].  I gave her the Mini Miranda and informed her that she had an outstanding  balance of $4,754.86.She indicated she can't borrow the monies.  I pulled her credit and she has perfect credit except for the account with...

our office.  She refused to borrow the money.  I offered her a settlement.  She s[redacted]d she would have to do that in payments as well.I informed her I could not do the settlement in payments but that I would set her up on payments. She said she would see what she could do or a payment arrangement and call me back.On 12-3-14 Ms. [redacted] did not call back so I called her to see what she was going to do. She said she was trying for the $2000.00 settlement.  I said that would have to be made in one payment.  She said she was at work.  I told her to take a break and call me back, I told her: needed to know for sure she can do the $2,000.00 before we call our clients office.On 12-3-14 Ms. [redacted] called me back and said she can do the $2000.00 in 2 payments. She would do $1,000.00 on the 19th and the remaining $1,000.00 on the 2" of January.  I requested my supervisor [redacted] to contact our client regarding this settlement offer. [redacted] c'id call and spoke to [redacted] with the client's office. She indicated that Ms. [redacted] had also called them trying iO settle the account. Our client told Mr. [redacted] they would accept 80% which was $3,627.00 and that" ould be the best offer they would be able to give her.On 12-8-14 I called the consumer on her cell phone, when the voicemail came on I did not leave a messageOn 12-10-14 I called the consumer on her cell phone when it went to voicemail then disconnected me.The consumer called me back and I told her our client said no to the settlement amount and gave her their counter offer of $3,627 .00.  She did not like that.  She then offered to pay $25.00 a month.   I told her we will not accept that small of a payment arrangementShe has perfect credit, a great job and she can pay this.I told Ms. [redacted] she lives in a garnishment s[redacted].  I did not say I woLid garnish her. She said "I know I'm in a garnishment s[redacted] I work for the federal government. We were unable to come to a mutual agreement so I then terminated the call and ordered suit authorization.A reasonable payment arrangement is not $25.00 a month.  I said ihe was living in a garnishment s[redacted] never did I threaten anything.The owner of U.S. Collections West, Inc., [redacted] has spoken to Ms. [redacted] and they have come to a mutual agreement to settle the account in full.

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.  For your reference, details of the offer I reviewed appear below.03/20/15 wasn't the first phone call made to [redacted]. That was the last call. My first call was on 03/06/2015. I called concerned since I wasn't aware I owed the original creditor. I had sent them a check a week after the procedure. I at that time wanted it removed. I had already called the original creditor and they told me I could pay them the amount less the collection fee and they would take care of it on their end. On 03/06/15 I called US West Collections to let them know that, at that time I was told that sometimes the original creditor won't tell US West Collections to remove the item. I was told that the best route was to pay directly with US West Collections to get the matter resolved. So two weeks later when I made the payment I said to [redacted] and told him I just wanted to get it resolved and taken off my report, he gave me a snobby remark "Mrs. [redacted] you're the one calling me". I left a voicemail on 04/17/2015 saying that it hadn't been removed. No one called me back ever. I don't think I'm asking for much here considering everything. I was never rude or snobby towards anyone, I just wanted the issue removed as soon as possible. Look how quickly I turned around to pay it. I really wouldn't of issued this complaint if I hadn't asked for it to be removed in return for paying what was showing as owed. I was never told that a removal couldn't be done. 

Regards,