U.S. Collections West, Inc.

To Whom It May Concern:

I received the complaint and reviewed it.

I listed to the only message left for Mr. [redacted] and also the single conversation with Mr. [redacted] and I respond as follows.

We never spoke to his wife. We left one message. We never told anyone or left a...

message that stated "any one was in trouble" much less "BIG" nor did anyone state to the [redacted]'s that lots of money is owed. Once the collector confirmed Mr. [redacted]' social security number he stated we have the wrong [redacted]. Mr. [redacted] stated he was getting lots of calls all of a sudden from other collection agencies. Mr. [redacted] made the suggestions to have Mr. [redacted] check his credit so that he may protect his credit from fraud. Mr. [redacted] never said the company filed a credit complaint.

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 reply back from Ms. [redacted]is full of untruths that were not stated over the phone. At no time did Ms. [redacted] allege that the debt was not a purchased debt, nor did she ever state that she was not an attorney and would not provide legal advice on the contract in question. Further, Ms. [redacted] stated that the call was being recorded (a typical tactic used by collection agencies to scare an alleged "debtor".) If this call was recorded, then surely US Collections West can provide such a recording and prove that these were said over the phone to me. If not, then this was just another false representation used against me. Stating that "I've been in court all day" and now advising Revdex.com that she told me she was not an attorney? This is extremely contradicting. Why would an "account representative" appear in court matters on behalf of her company if she is not an attorney? A collection agency is NOT a law firm and CANNOT appear in court on behalf of their alleged "clients." Further, I have researched court cases and have seen that US Collections West appears as the plaintiff in civil court cases. If US Collections West was simply "representing their clients" then the plaintiff would be the actual name of the client ([redacted]) and NOT US Collections West. This proves that US Collections West is purchasing debts, inheriting the debt as their own and then files suits in their own name. Previously, US Collections West did this and then acted as their own attorney, which is illegal. Whether or not US Collections West then hires an attorney to represent themselves as the CLIENT in the matter remains to be seen as there are no attorneys on record in the [redacted] search sites.Additionally, US Collections West and Ms. [redacted] are not performing their due diligence in ensuring that the collection matters they handle are legal. Ms. [redacted] constantly stated that the "client" requires a written notice that they specifically use in order to correctly provide a notice to vacate. This is simply not required by the [redacted]. I provided a written notice to vacate that was signed to the landlord. They cannot simply deny this written notice due to it not being their own "specific" form. Additionally, Ms. [redacted] stated that I owed 60 days of rent AFTER our move out date and stated it was binding in the contract. US Collections West and Ms. [redacted] apparently have never read the [redacted] which requires only 30 days of rent after a move out date. Even more startling is the fact that our move out was DUE to thelandlord RENTING OUT THE UNIT before we even provided a notice to vacate or had moved out. Therefore, [redacted] (fka [redacted]) is charging DOUBLE RENT, a severe and clear violation of the [redacted] by not only collecting rent from a tenant who moved in immediately after our move out, but are now trying to collect two months from us that were already paid by another tenant. Ms. [redacted] claims that this charge to us was a "buyout" charge that is also in the contract. This is again, violation and is against the [redacted] which SUPERCEDES anything to the contrary found within the rental contract. Even further, Ms. [redacted] never requested my attorney call back. If she had the slightest inclination to follow correct [redacted] procedures, then if I had stated over the phone that I had an attorney then she would had needed to request my attorney call back and to cease any further communication with me directly unless my “attorney” provides a written notice stating she could talk to me directly. She never did this. We had a 25-30 minute conversation. If I had already been represented by counsel, I would not had wasted my time on such a call.I have spent countless hours now researching case law, calling US Collections West, calling [redacted] (management company for [redacted]), calling [redacted] directly, speaking with attorneys whodeal with these matters, suffering a lost chance at a home rental, mental anguish over a debt that is not even valid, and harassment. I am beyond agitated and feel that that 10+ hours I have spent on this matter are worth a compensation in this matter. There is a slew of [redacted], [redacted] and [redacted] violations that have been caused here. This reply from Ms. [redacted] providing lies to Revdex.com regarding our conversation is just further adding to the deception of this entire matter. Regards,[redacted]

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.I believe that US Collections West is attempting to evade persecution for their unlawful collection tactics by turning this alleged debt over to [redacted]. These aggressive tactics should not be overlooked, they are unlawful and unethical. US collections west did not comply [redacted] by repeatedly alluded that I would be sued if I did not pay the alleged debt and confirming that statement by telling me that it would be cheaper for me to pay the debt than hire legal council. I would like US collections West to relieve this debt completely off my credit report. This would entail they relieve the now transferred debt to [redacted]. I would also like to add that US collections West was not even supplied with a payment history from the original account to confirm the debt, as stated by alfred [redacted] is his response. If the company does not have a definitive payment history how can US Collections West authenticate this alleged debt.

Regards,

One payment was made on 10-23-12 for $52.00. Then she stopped paying. We called her over 10 times with no luck getting her to make another payment. 

Please provide copies or proof of the other payments so we can research them. In the mean time you may contact me to make...

arrangements to repay your debt. 

Sincerely yours, 

President 

U.S. Collections West, Inc.

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 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.

Dear Ms. Mosley,  On 4-1-14 I did have a call transferred to me by my manager. I took the call, at that time the consumer did state he had been trying to get ahold of me all morning. I did apologize and advised him I had...

been in court all morning for the company.  I did ID consumer as well as myself and gave the [redacted] and advised consumer that the call may be recorded for quality and training purposes. He stated he was upset at the client because he had a verbal agreement. I asked if he had anything in writing he stated he did not. I advised him that it was just a verbal agreement between two parties and nothing I could do. He then stated this debt was in error. I went to the contract and asked if he did sign the contract he stated yes and that he was trying to rent a house for his family and wanted to settle this account for $500.00, I advised him I could not do that as we are unable to settle anything less than 80% o the remaining balance owed.  The consumer states in his complaint that I ridiculed him regarding the house he wanted to rent. I advised the consumer he is trying for a house and he need to get this account paid first. I stated my job was to collect money or offer a settlement. I advised him my job was to help the consumer find a way to pay the bill and also protect my client. I did advise this was not a purchased debt and that I was collecting on behalf of my client [redacted]. The consumer then advised me that he works for a law firm and started asking questions regarding the contract and laws. I advised the consumer I was not an attorney and I cannot give him any advice. The consumer then asked when the first letter was sent out. He stated he never got the first letter. I advised the consumer that we sent it out when we got the account. He started he never received the letter. I re-verified his address and advised we have a good address and we never got a mail return and this is why I sent out a settlement offer to him in hopes we can get this resolved. The consumer also stated that if we did not take the $500.00 to close the account he would have this discharged in his bankruptcy.  The consumer was not happy and said he was going to file bankruptcy. I again verified his home address and place of employment with the consumer and I advised him I will request suit authorization from our client today. I also advised the consumer he can call me back with his attorney information. 

Sincerely Yours, 

Account Representative

U.S. Collections West, Inc.

I have read his response to our response to his complaint,,,    he is not accurate but our client has recalled the account we have now close the file in question per our clients request. Thanks [redacted]

President

U.S. Collections West, Inc.

Phoenix, AZ  85029

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toll free ###-###-####

Please see attached.

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] ([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.

This is our formal response to the consumer [redacted] complaint.

 

At no point of our conversation did I ever state that U.S. Collections West, Inc. was going to sue him.   I did state that we could settle his file for $1700.00 which could be considerable more if he decided...

not to pay the settlement.  I did mention to the consumer a few times that it was our companies position to proceed to the fullest extent of the law allowable as collection activities would continue in reference to his debt. We do not have a complete list of all of his payments.  We were only provided  what he owes. As for his other roommates we do not have that private information from our client. We did turn this account to another agency in California to proceed with collection procedures.

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.

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,

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.

OUR ACCOUNT NO#[redacted],, This is a long story we have been working on this account  SINCE 4- 10-2013. Months have been spent on this account. our client contacted us on 9-8-2014 confirmed there mgmt. company (the company that managed the rental prior to...

the owners taking back mgmt.)  that  consumer did break his lease  but was given permission to move out early. they don't know why they agreed to let him move out early or why they turned it over to collections, ((other than it was a mistake). the account is now closed and has been deleted off his credit.

thanks

President

U.S. Collections West, Inc.

[redacted], AZ  [redacted]

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toll free ###-###-####

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 ###-###-####

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action will only resolve my complaint when I am provided documentation proving that the [redacted] account has been reported as settled in full to all credit bureaus per [redacted]'s response. As 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,

HORRIBLE CUSTOMER SERVICE!!!! THE "MANAGER" KEVIN J[redacted] WAS THE RUDEST PERSON I HAVE EVER TALKED WITH. NEVER ANSWER PHONE CALLS OR RETURN OTHER CALLS!

To Whom It May Concern:

We received the complaint and respond as follows.

The allegations that we vio lated the [redacted] are false.  I placed 2 phone calls to Mr. [redacted] . The first call was on 10-22-14 and the second call was on 10-30-14.  I never...

harassed the consumer . I did receive multiple calls and voicemai l messages from the consumer on 10-10-14 and on 10-28-14.

Iadvised Mr. [redacted] of the debt as well as what the charges were for. Mr. [redacted] immediately denied owing the debt.  He then offered to pay half of the charges for a total of $1,250.00. I advised him we would contact our client regarding the settlement offer. On 10-22-14 I received our client's response to the settlement offer. I then contacted Mr. [redacted] and informed him of the counter offer of $2,000.00.

Mr. [redacted] became very upset and angry. I explained again to her of the charges and informed him I would send validation of the debt to him for his to review. Mr. [redacted] confirmed he received the validation however stated that the date was changed on the 60 day vacate notice. I advised Mr. [redacted] to forward additional proof to us via email or fax however he refused. He then stated our company was harassing him and he'll be filing a complaint and cease and desist all communications.

Our client confirmed all charges are owed but they agreed to accept $2,000.00 as settlement in full if paid within 30 days