Initial Business Response / [redacted] (1000, 5, 2015/05/27) */ Our records indicate that we have the account under a previous name for this consumerWe also show that a notice was sent to her at the same address which she provided on 1/6/ Since she has requested proof of the debt, we have now sent that information to her todayWe have placed the account on hold so that she will have an opportunity to review the information We encourage her to contact us toll free at 888-982-to resolve this matterIf she has further questions or concerns, she may also contact me directly
Initial Business Response / [redacted] (1000, 5, 2015/05/06) */ We apologize that this consumer has been frustrated in her attempts to resolve this matter involving [redacted] I believe that the confusion surrounds the fact that there are two different accounts with two different service addresses both in her name I encourage her to provide our office with a copy of 1) the police report she filed and 2) a copy of a utility bill showing that she resides at a different addressWe will immediately forward these documents to the utility companyBoth accounts will remain on HOLD at this time She may contact me directly via email, fax or phone Email = [redacted] @virtuososourcing.com FAX = XXX-XXX-XXXX Phone = [redacted] (toll free XXX-XXX-XXXX
This consumer has also communicated directly with our company We are very sorry for his loss and we will be glad to refund the money to the consumer The question we have is whether he has "disputed the amount with his credit card company already" He informed our manager that he intended to do this If so, we would refund the consumer and his credit card company would issue a debit to our account This would result in a duplication of the refund We have sent an email to him requesting clarification and intend to refund the money to his credit card.We will place the [redacted] account on hold and it will remain on hold This should resolve this matter for the consumer If he has any further questions or concerns, he may contact me directly at ###-###-#### or by email to [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meCan they please send me information showing it has been removed from my credit bureau? Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/07/21) */ Our records indicate that this consumer called our office recently and we located a very old account which was placed in our office in The account was closed in October of and was deleted from the credit report at that time Since this consumer indicates that the account has remained on his credit report, we have taken the additional step of doing an online deletion again todayThe AUD reference # for this deletion is XXXXXXXX We believe this should resolve his concernsHowever, should he have further questions or concerns, he may contact me directly by phone or email Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you
We have located an account for this consumer which was recalled by the original creditor and closed in our system on 8/18/ It was deleted from the credit report at that time However, since this consumer indicates that the account has remained on her credit report, we have taken the additional step of submitting an online deletion again on 11/15/ The AUD reference number for the deletion is [redacted] We believe that this should resolve this matter for this consumer If the account continues to be reported, we recommend that she dispute the account with the credit reporting agency and include the AUD # provided If she has further questions or concerns, she can reach me directly at ###-###-#### or by email to [redacted]
Initial Business Response / [redacted] (1000, 6, 2015/12/04) */ We have located an account for this consumer and have corrected the address on our recordsWe have mailed a notice to this new address and requested itemized detail from the original creditor so that we can provide this information to him Since he has indicated that he was not aware of this account, we have placed it on hold and removed it from the credit report so that he will have the opportunity to review the information If he has further questions, I encourage him to contact me directly
We apologize for the delay in responding We have placed this account into a disputed status and removed it from the consumer's credit report Since he indicated that he does not know what caused the balance to increase, we have requested itemized statements from the original creditor and will forward these to the consumer for his review If he has further questions or concerns, he should contact us at our toll free number ###-###-####.If he has questions he may also feel free to contact me directly at ###-###-####
We have reviewed our records which indicate that on 7/6/this consumer contacted us to establish a payment to resolve this account He provided us with the account number, balance due and his credit card information Our agent gave all appropriate disclosures concerning the account and the payment transaction He was provided a payment authorization codeHowever, as this consumer is indicating that he "did not authorize" this transaction, we will be glad to work with him to resolve his dispute We ask that he contact me directly to discuss his requested refund Our manager spoke with this consumer and at that time, the consumer indicated that he had planned to dispute the item with his credit card provider We must first determine the status of the payment transaction and then are more than glad to fully cooperate with him.My contact information is as follows: Office number ###-###-#### and email = [redacted] If the transaction is reversed, then the account balance will become due again If he feels that the amount is incorrect, we would ask that he provide us with a detailed dispute of the account
Initial Business Response / [redacted] (1000, 5, 2015/09/17) */ We received a letter of dispute and request for no further calls from this consumer in June We ceased all calls at that timeThe dispute information was forwarded to the original creditor, [redacted] who reviewed it and informed us that the balance remains due The account has been placed on hold and there will continue to be no further calls from Virtuoso concerning this accountThe account has also been deleted from credit reporting agencies due to his dispute If he has additional questions or concerns, he may contact me directly Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am attaching the letter from the other collection Co that clearly mentions that account is fully paidFurthermore, according to [redacted] collection record is still thereWill you please remove it immediatelyThis is the 2nd time and second collection attempt from different companies for a paid balance Final Business Response / [redacted] (4000, 13, 2015/10/19) */ We appreciate this consumer providing us with the additional informationWe have forwarded it to [redacted] to determine if these pertain to the same account In the meantime, we have submitted an online deletion to remove this account at Virtuoso from his credit reportThe AUD reference # is XXXXXXXX We believe that this should resolve the matter for the consumerShould he have further questions or concerns, he may contact me directly
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meHowever, I never received any itemized report and this solution was only finally reached after speaking with different representatives who had no idea what was going onOnce I submitted a complaint to the attorney general as well as the Revdex.com, they were finally able to get me in touch with someone who actually knew what was going on Sincerely, [redacted] ***
Virtuoso Sourcing Group has located the two accounts noted by this consumer They were assigned to Virtuoso for collections on behalf of [redacted] who did purchase the accounts from the original creditor They were assigned on 3/4/and were recalled on 10/1/ The accounts were closed in our system at that time and were submitted for deletion from the credit reporting agencies on 10/6/Most likely [redacted] assigned the accounts for further collection with another agency However, since this consumer has indicated that the accounts remained on her credit report, we have taken the additional step of submitting them for online deletion again todayThis should resolve this matter for the consumer If she has further questions or concerns or should the accounts continue to be reported in the future, she may contact me directly either by email to [redacted] or by phone to ###-###-####
Initial Business Response / [redacted] (1000, 5, 2015/04/28) */ Our records indicate that three separate accounts were assigned to Virtuoso from the State of Colorado for this consumerWe believe that this has caused confusion and we apologize for this The specific account mentioned by this consumer does show as paid in full and we have advised the state about the payment in full They have confirmed for us that this information has been forwarded to the [redacted] and that the hold at the school has been released Additionally, we have sent a paid in full letter to this consumer at the address she provided in this complaint If she has further questions or concerns, she may contact me directly Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because I do not have a paid in full letter by this companyAnd I only have record of two accounts NOT threeAnd the only reason the hold was lifted by the [redacted] is not because this company sent anything over to the [redacted] it is because of the fact that I sent over proof of payment my phone call logs and a copy of the credit card authorization form to my prior [redacted] Final Business Response / [redacted] (4000, 9, 2015/05/05) */ We are very sorry that this consumer continues to be dissatisfied with the outcome The account was assigned to Virtuoso by the [redacted] of [redacted] and they have very specific requirements about when and how we are able to send Paid in Full letters On 4/22/15, we sent an urgent request to the [redacted] office of the state asking them to help us resolve this consumer's complaint They stated that the school had already lifted the HOLDAnd the state office advised us that they would contact her to advise that the account was paid in full and the hold removed
Initial Business Response / [redacted] (1000, 6, 2015/12/04) */ We have placed this account on hold while we are researching the consumer's claim that she has already resolved this matter with another assigned agency We have deleted it from her credit report and expect to have more information for her soonThere will be no further contact from virtuoso concerning this accountIf she has further questions, she may feel free to contact me directly by phone or email
Complaint: [redacted] I am rejecting this response because: this info inaccurate the company needs to clarify that in their offer, the credit report clearly stated that I still owe them and their advisor was rude and arguing with me over the phone stated they did not have such offer Sincerely, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/05/20) */ We have reviewed the information and phone calls on this accountThey show that we were not able to reach this consumer at the phone number but also were not advised that she could not receive phone callsAt one point, they did advise that she could not receive "solicitation calls"However, our phone attempts were not solicitation calls We have now removed all phone numbers from the account and there will be no further contact from Virtuoso concerning this matter If she has other questions or concerns, I encourage her to contact me directly
Thank you for contacting our office regarding the complaint of [redacted] [redacted] assigned an account to our office on 1/30/We mailed a validation letter to the address on file on 1/31/The account was recalled by our client on 7/31/We deleted our entry from his credit report at that timeWe were not made aware of [redacted] ’s dispute until 9/11/2017, upon receiving his correspondence we manually deleted our entry from his credit report and were provided with AUD # [redacted] as proof of the deletion [redacted] may contact our office should he have any questions regarding the account, however the account is no longer with our office and therefore the information we have available may be limitedThank you
Initial Business Response / [redacted] (1000, 5, 2015/05/13) */ This consumer contacted our office directly on 5/5/concerning this matter and the account was deleted from her credit report at that timeA Paid in Full letter with confirmation of deletion was provided to her at that time We believe this should resolve her concernsIf she has further questions, she may contact me and I will be glad to assist her Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ We have located two accounts for this customer that were placed with Virtuoso concerning two separate medical accounts each for the same amountThese were recalled by the creditor and closed with Virtuoso on 6/1/They were also submitted for deletion from the credit report at that time It is likely that the accounts have been assigned to a new collection agency after they were recalled and closed at Virtuoso There will be no further attempt to collect this by VirtuosoAnd since this consumer has indicated that they remained on the credit report, we have taken the additional step of manually deleting them again on 7/13/The AUD reference numbers for the deletions are XXXXXXXX and XXXXXXXX We feel confident that this will resolve this matter for the consumerHowever, if he has further questions or concerns, he may contact me directly Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received a satisfactory response by mail from the business, (Virtuoso Sourcing), on July 23rd, I appreciate the prompt resolution of the matter As a summary, which has not been necessarily requested upon this form: My dispute with Virtuoso focused upon an allegation of a medical debt, and the allegation of the debt surfaced in two separate collections entries within my [redacted] credit report Noteworthy: All medical costs had already been paid to the original medical provider by the [redacted] of [redacted] This is now known, of course, and it is no longer an issue with Virtuoso or in dispute with Virtuoso Virtuoso responded with "....the debt was recalled by the creditor and closed with Virtuoso on June 1, 2015." Virtuoso added: The collections entries in Experian were then deleted, both electronically and manually, and provided AUD reference numbers: XXXXXXXX and XXXXXXXX This complaint with Virtuoso promptly and satisfactorily resolved
Initial Business Response / [redacted] (1000, 5, 2015/05/27) */ Our records indicate that we have the account under a previous name for this consumerWe also show that a notice was sent to her at the same address which she provided on 1/6/ Since she has requested proof of the debt, we have now sent that information to her todayWe have placed the account on hold so that she will have an opportunity to review the information We encourage her to contact us toll free at 888-982-to resolve this matterIf she has further questions or concerns, she may also contact me directly
Initial Business Response / [redacted] (1000, 5, 2015/05/06) */ We apologize that this consumer has been frustrated in her attempts to resolve this matter involving [redacted] I believe that the confusion surrounds the fact that there are two different accounts with two different service addresses both in her name I encourage her to provide our office with a copy of 1) the police report she filed and 2) a copy of a utility bill showing that she resides at a different addressWe will immediately forward these documents to the utility companyBoth accounts will remain on HOLD at this time She may contact me directly via email, fax or phone Email = [redacted] @virtuososourcing.com FAX = XXX-XXX-XXXX Phone = [redacted] (toll free XXX-XXX-XXXX
This consumer has also communicated directly with our company We are very sorry for his loss and we will be glad to refund the money to the consumer The question we have is whether he has "disputed the amount with his credit card company already" He informed our manager that he intended to do this If so, we would refund the consumer and his credit card company would issue a debit to our account This would result in a duplication of the refund We have sent an email to him requesting clarification and intend to refund the money to his credit card.We will place the [redacted] account on hold and it will remain on hold This should resolve this matter for the consumer If he has any further questions or concerns, he may contact me directly at ###-###-#### or by email to [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meCan they please send me information showing it has been removed from my credit bureau? Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2015/07/21) */ Our records indicate that this consumer called our office recently and we located a very old account which was placed in our office in The account was closed in October of and was deleted from the credit report at that time Since this consumer indicates that the account has remained on his credit report, we have taken the additional step of doing an online deletion again todayThe AUD reference # for this deletion is XXXXXXXX We believe this should resolve his concernsHowever, should he have further questions or concerns, he may contact me directly by phone or email Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you
We have located an account for this consumer which was recalled by the original creditor and closed in our system on 8/18/ It was deleted from the credit report at that time However, since this consumer indicates that the account has remained on her credit report, we have taken the additional step of submitting an online deletion again on 11/15/ The AUD reference number for the deletion is [redacted] We believe that this should resolve this matter for this consumer If the account continues to be reported, we recommend that she dispute the account with the credit reporting agency and include the AUD # provided If she has further questions or concerns, she can reach me directly at ###-###-#### or by email to [redacted]
Initial Business Response / [redacted] (1000, 6, 2015/12/04) */ We have located an account for this consumer and have corrected the address on our recordsWe have mailed a notice to this new address and requested itemized detail from the original creditor so that we can provide this information to him Since he has indicated that he was not aware of this account, we have placed it on hold and removed it from the credit report so that he will have the opportunity to review the information If he has further questions, I encourage him to contact me directly
We apologize for the delay in responding We have placed this account into a disputed status and removed it from the consumer's credit report Since he indicated that he does not know what caused the balance to increase, we have requested itemized statements from the original creditor and will forward these to the consumer for his review If he has further questions or concerns, he should contact us at our toll free number ###-###-####.If he has questions he may also feel free to contact me directly at ###-###-####
We have reviewed our records which indicate that on 7/6/this consumer contacted us to establish a payment to resolve this account He provided us with the account number, balance due and his credit card information Our agent gave all appropriate disclosures concerning the account and the payment transaction He was provided a payment authorization codeHowever, as this consumer is indicating that he "did not authorize" this transaction, we will be glad to work with him to resolve his dispute We ask that he contact me directly to discuss his requested refund Our manager spoke with this consumer and at that time, the consumer indicated that he had planned to dispute the item with his credit card provider We must first determine the status of the payment transaction and then are more than glad to fully cooperate with him.My contact information is as follows: Office number ###-###-#### and email = [redacted] If the transaction is reversed, then the account balance will become due again If he feels that the amount is incorrect, we would ask that he provide us with a detailed dispute of the account
Initial Business Response / [redacted] (1000, 5, 2015/09/17) */ We received a letter of dispute and request for no further calls from this consumer in June We ceased all calls at that timeThe dispute information was forwarded to the original creditor, [redacted] who reviewed it and informed us that the balance remains due The account has been placed on hold and there will continue to be no further calls from Virtuoso concerning this accountThe account has also been deleted from credit reporting agencies due to his dispute If he has additional questions or concerns, he may contact me directly Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am attaching the letter from the other collection Co that clearly mentions that account is fully paidFurthermore, according to [redacted] collection record is still thereWill you please remove it immediatelyThis is the 2nd time and second collection attempt from different companies for a paid balance Final Business Response / [redacted] (4000, 13, 2015/10/19) */ We appreciate this consumer providing us with the additional informationWe have forwarded it to [redacted] to determine if these pertain to the same account In the meantime, we have submitted an online deletion to remove this account at Virtuoso from his credit reportThe AUD reference # is XXXXXXXX We believe that this should resolve the matter for the consumerShould he have further questions or concerns, he may contact me directly
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meHowever, I never received any itemized report and this solution was only finally reached after speaking with different representatives who had no idea what was going onOnce I submitted a complaint to the attorney general as well as the Revdex.com, they were finally able to get me in touch with someone who actually knew what was going on Sincerely, [redacted] ***
Virtuoso Sourcing Group has located the two accounts noted by this consumer They were assigned to Virtuoso for collections on behalf of [redacted] who did purchase the accounts from the original creditor They were assigned on 3/4/and were recalled on 10/1/ The accounts were closed in our system at that time and were submitted for deletion from the credit reporting agencies on 10/6/Most likely [redacted] assigned the accounts for further collection with another agency However, since this consumer has indicated that the accounts remained on her credit report, we have taken the additional step of submitting them for online deletion again todayThis should resolve this matter for the consumer If she has further questions or concerns or should the accounts continue to be reported in the future, she may contact me directly either by email to [redacted] or by phone to ###-###-####
Initial Business Response / [redacted] (1000, 5, 2015/04/28) */ Our records indicate that three separate accounts were assigned to Virtuoso from the State of Colorado for this consumerWe believe that this has caused confusion and we apologize for this The specific account mentioned by this consumer does show as paid in full and we have advised the state about the payment in full They have confirmed for us that this information has been forwarded to the [redacted] and that the hold at the school has been released Additionally, we have sent a paid in full letter to this consumer at the address she provided in this complaint If she has further questions or concerns, she may contact me directly Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because I do not have a paid in full letter by this companyAnd I only have record of two accounts NOT threeAnd the only reason the hold was lifted by the [redacted] is not because this company sent anything over to the [redacted] it is because of the fact that I sent over proof of payment my phone call logs and a copy of the credit card authorization form to my prior [redacted] Final Business Response / [redacted] (4000, 9, 2015/05/05) */ We are very sorry that this consumer continues to be dissatisfied with the outcome The account was assigned to Virtuoso by the [redacted] of [redacted] and they have very specific requirements about when and how we are able to send Paid in Full letters On 4/22/15, we sent an urgent request to the [redacted] office of the state asking them to help us resolve this consumer's complaint They stated that the school had already lifted the HOLDAnd the state office advised us that they would contact her to advise that the account was paid in full and the hold removed
Initial Business Response / [redacted] (1000, 6, 2015/12/04) */ We have placed this account on hold while we are researching the consumer's claim that she has already resolved this matter with another assigned agency We have deleted it from her credit report and expect to have more information for her soonThere will be no further contact from virtuoso concerning this accountIf she has further questions, she may feel free to contact me directly by phone or email
Complaint: [redacted] I am rejecting this response because: this info inaccurate the company needs to clarify that in their offer, the credit report clearly stated that I still owe them and their advisor was rude and arguing with me over the phone stated they did not have such offer Sincerely, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/05/20) */ We have reviewed the information and phone calls on this accountThey show that we were not able to reach this consumer at the phone number but also were not advised that she could not receive phone callsAt one point, they did advise that she could not receive "solicitation calls"However, our phone attempts were not solicitation calls We have now removed all phone numbers from the account and there will be no further contact from Virtuoso concerning this matter If she has other questions or concerns, I encourage her to contact me directly
Thank you for contacting our office regarding the complaint of [redacted] [redacted] assigned an account to our office on 1/30/We mailed a validation letter to the address on file on 1/31/The account was recalled by our client on 7/31/We deleted our entry from his credit report at that timeWe were not made aware of [redacted] ’s dispute until 9/11/2017, upon receiving his correspondence we manually deleted our entry from his credit report and were provided with AUD # [redacted] as proof of the deletion [redacted] may contact our office should he have any questions regarding the account, however the account is no longer with our office and therefore the information we have available may be limitedThank you
Initial Business Response / [redacted] (1000, 5, 2015/05/13) */ This consumer contacted our office directly on 5/5/concerning this matter and the account was deleted from her credit report at that timeA Paid in Full letter with confirmation of deletion was provided to her at that time We believe this should resolve her concernsIf she has further questions, she may contact me and I will be glad to assist her Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ We have located two accounts for this customer that were placed with Virtuoso concerning two separate medical accounts each for the same amountThese were recalled by the creditor and closed with Virtuoso on 6/1/They were also submitted for deletion from the credit report at that time It is likely that the accounts have been assigned to a new collection agency after they were recalled and closed at Virtuoso There will be no further attempt to collect this by VirtuosoAnd since this consumer has indicated that they remained on the credit report, we have taken the additional step of manually deleting them again on 7/13/The AUD reference numbers for the deletions are XXXXXXXX and XXXXXXXX We feel confident that this will resolve this matter for the consumerHowever, if he has further questions or concerns, he may contact me directly Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received a satisfactory response by mail from the business, (Virtuoso Sourcing), on July 23rd, I appreciate the prompt resolution of the matter As a summary, which has not been necessarily requested upon this form: My dispute with Virtuoso focused upon an allegation of a medical debt, and the allegation of the debt surfaced in two separate collections entries within my [redacted] credit report Noteworthy: All medical costs had already been paid to the original medical provider by the [redacted] of [redacted] This is now known, of course, and it is no longer an issue with Virtuoso or in dispute with Virtuoso Virtuoso responded with "....the debt was recalled by the creditor and closed with Virtuoso on June 1, 2015." Virtuoso added: The collections entries in Experian were then deleted, both electronically and manually, and provided AUD reference numbers: XXXXXXXX and XXXXXXXX This complaint with Virtuoso promptly and satisfactorily resolved