Initial Business Response /* (1000, 7, 2015/08/27) */
Our records indicate that our client, [redacted] placed this account with us in June.
We first became aware of this consumer's dispute when we spoke with him on 8/24/15. Then on 8/25/15, we received a dispute via "credit report dispute" and...
also by FAX. We deleted the account due to his dispute at that time. We also placed the account into a disputed status and forwarded his information to [redacted]
[redacted] submitted credit to zero the balance and closed the account today.
We believe this should resolve this matter for the consumer. If he has further questions or concerns, he may feel free to contact me directly.
Initial Consumer Rebuttal /* (3000, 9, 2015/09/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do thank the company for correcting this on my credit reports and after speaking with them, confirming that this is over. The reason I am denying this is because I am and have asked for a copy sent to me showing that it is a zero balance. After everything I went through with this, once I receive a document from both [redacted] and the collection company stating this is a zero balance, I will accept the outcome. The company did state they would send me a copy for my records but that has been a while and no letter yet. Please send the letter to my home address on file.
Final Business Response /* (4000, 11, 2015/09/10) */
This account was credited to zero balance by the original creditor, [redacted] who also closed the account with us on 8/27/15. The account was also deleted from the credit report automatically upon closing.
We took the additional step of doing a manual online deletion and have now sent a Closed letter with the AUD reference number to this consumer. We believe that this satisfies the request of this consumer. If he would like additional information from [redacted] he will need to contact them directly.
Final Consumer Response /* (2000, 13, 2015/09/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you very much. This does resolve my issue and it is my hopes that [redacted] will no longer send something that has been a zero balance, to another collection agency. Thank you from clearing it from my credit report as well.
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 /* (1000, 5, 2015/09/17) */
We received a letter of dispute and request for no further calls from this consumer in June 2015. We ceased all calls at that time. The 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 account. The 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 /* (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 paid. Furthermore, according to [redacted] collection record is still there. Will you please remove it immediately. This is the 2nd time and second collection attempt from 2 different companies for a paid balance.
Final Business Response /* (4000, 13, 2015/10/19) */
We appreciate this consumer providing us with the additional information. We 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 report. The AUD reference # is XXXXXXXX.
We believe that this should resolve the matter for the consumer. Should he have further questions or concerns, he may contact me directly.
Thank you for contacting our office regarding the complaint of [redacted]. We would be glad to assist her with the concerns raised, however with the limited information that was provided we are unable to locate the account she is referencing. If she could provide additional information from her...
credit report we can further assist her with her concerns. She may also contact [redacted], Virtuoso Sourcing Group by calling [redacted]. Thank you.
We have reviewed this consumer's complaint and attempted to match her phone number with our account records for an individual named [redacted] that has the same or a very similar phone number in our system. We have been unable to locate a record that has or had her phone number on...
it. It is our business practice to remove a phone number from our records when we are advised that it is a "wrong number" for the party we are attempting to reach. Should this consumer continue to receive calls, she may ask to speak with a supervisor or manager and I am confident that they will take the necessary steps to cease the calls to her. Or she may also feel free to contact me directly by phone or email. Email = [redacted]Phone = [redacted]We apologize for any inconvenience this may have caused her and will follow through in our commitment to assist her if she can provide more information.
Our records indicate that tbis consumer paid his aaccount in May and he did pay a reduced settlement amount. However, since the account was not fully satisfied, the account reported as "settled for less than the full amount". Since he has expressed that he was not aware that this would...
not fully close the account and ensure no credit reporting, we appreciate that he has paid the remainder. Due to this misunderstanding, we have deleted the account from the credit report. The AUD reference # for this deletion is [redacted].If this consumer has additional questions or concerns, I suggest that he contact me directly at [redacted] or by email to [redacted].
Thank you for contacting our office regarding the complaint of [redacted] assigned an account to our office on May 12, 2017. On May 17, 2017, we mailed a validation letter to the address on file, which is also the address listed on her complaint. We were made aware of [redacted] dispute...
through [redacted] on August 24, 2017. At that time, we updated her account to reflect her dispute and deleted our entry from her credit report. We have requested proof of the debt from our client and will forward the information to [redacted] upon receipt. If [redacted] may contact our office with any questions she may have and we will refrain from any collection efforts until the debt has been verified. Upon receipt of the verification of the debt [redacted] may contact our office to make payment on the balance. Thank you.
This account was very recently assigned to Virtuoso for collection. We have not had prior contact with this consumer. Since he/she has indicated that they dispute this balance, we have requested validation of the account from the original creditor, [redacted]. ...
This information will be provided to the consumer and the account will remain in disputed status so that he/she has an opportunity to review the information provided. If this consumer has further questions, he/she may contact me directly by phone to ###-###-#### or by email to [redacted]
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]
Initial Business Response /* (1000, 5, 2015/05/05) */
We appreciate this consumer advising us of the extenuating circumstances which prevented him from being aware of the account.
Our records indicate that the account was paid in full as stated. The account was reported as Paid in Full on...
February 11, 2015.
However, due to the extenuating circumstances, we have submitted the account now for deletion from his credit report. The online reference # is XXXXXXXX.
A paid in full letter with this information was mailed to this consumer at the address which he provided.
We believe that this will resolve his concerns. Should he have further questions, he may contact me directly.
Initial Consumer Rebuttal /* (2000, 7, 2015/05/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/07/31) */
We have located the account for this consumer and have removed her phone number and placed the account on hold. There will be no further contact from Virtuoso concerning this account.
We have forwarded her concerns to the original creditor...
for their review.
We believe that this will resolve this matter for the consumer. If she has additional questions or concerns, she may contact me directly.
Initial Business Response /* (1000, 5, 2015/04/28) */
Our records indicate that three separate accounts were assigned to Virtuoso from the State of Colorado for this consumer. We 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 /* (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 company. And I only have record of two accounts NOT three. And 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 /* (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 HOLD. And the state office advised us that they would contact her to advise that the account was paid in full and the hold removed.
We are glad to assist this consumer if she has an account on her credit report which references our company. However, we are currently unable to locate any account with the information she provided. The best way for her to resolve this is for her to submit a "dispute" with the credit...
reporting company directly. They will immediately send it to Virtuoso for confirmation and we will confirm deletion.If she still would like for Virtuoso to research this, we will need additional information such as previous addresses or names under which the account may have been established. Also if she can provide the last 4 digits of her SSN and any account numbers or name of original creditor from her credit report. She may feel free to contact me directly either by phone to ###-###-#### or by email to [redacted]
This consumer was sent a validation notice on 9/12/2015 to the same address that he provided in his complaint. Our records indicate that it was not returned. And we had not previously received a request for debt validation. However, this account is scheduled to be recalled by the...
original creditor in the next few days and therefore, Virtuoso has placed the account on hold and has deleted it from the credit report. The AUD reference # for this manual online deletion is [redacted].If he has further questions, he may contact me directly at ###-###-####.
Initial Business Response /* (1000, 5, 2015/09/08) */
We have identified the account which this consumer has referenced. We have placed the account into a Fraud Pending status and have sent the Fraud information required by [redacted] to this consumer at the address which he provided.
We have...
removed the account from his credit report and will completely delete it upon receipt of the fraud information.
We believe that this will resolve this matter for this consumer. If he has further questions, he may contact me directly by email or by phone to XXX-XXX-XXXX.
Initial Business Response /* (1000, 5, 2015/10/08) */
Our records indicate that this account was assigned to Virtuoso by [redacted] on 7/22/15 and we sent an initial notice to her on 7/24/15 to the address on file. It was not returned - however, it was sent to a different address than this consumer...
included in her complaint.
Therefore, we have placed the account on hold, removed it from her credit report, re-sent the initial notice to her new address and are requesting "validation" of the debt from the original creditor which will be mailed to her as well.
The account will remain on hold until she has had the opportunity to review the information. If she has further questions, she may feel free to call our office toll free at XXX-XXX-XXXX or she may contact me directly.
Initial Business Response /* (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 2011. The account was closed in October of 2011 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 today. The AUD reference # for this deletion is XXXXXXXX.
We believe this should resolve his concerns. However, should he have further questions or concerns, he may contact me directly by phone or email.
Initial Consumer Rebuttal /* (2000, 7, 2015/07/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you
Initial Business Response /* (1000, 5, 2015/10/14) */
This account has been placed into a disputed status and removed from the credit report at this time. We have forwarded her concerns about the [redacted] account to our client, [redacted] for their review.
The account will remain in a disputed...
status until [redacted] provides a response. If they believe that the balance is correct, we will forward copies of the itemized statemnets to the consumer. She will be provided an opportunity to review them and respond or resolve this matter.
If she has further questions or concerns, she is encouraged to contact our office and may contact me directly.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (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 address. We will immediately forward these documents to the utility company. Both 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
Initial Business Response /* (1000, 7, 2015/08/27) */
Our records indicate that our client, [redacted] placed this account with us in June.
We first became aware of this consumer's dispute when we spoke with him on 8/24/15. Then on 8/25/15, we received a dispute via "credit report dispute" and...
also by FAX. We deleted the account due to his dispute at that time. We also placed the account into a disputed status and forwarded his information to [redacted]
[redacted] submitted credit to zero the balance and closed the account today.
We believe this should resolve this matter for the consumer. If he has further questions or concerns, he may feel free to contact me directly.
Initial Consumer Rebuttal /* (3000, 9, 2015/09/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do thank the company for correcting this on my credit reports and after speaking with them, confirming that this is over. The reason I am denying this is because I am and have asked for a copy sent to me showing that it is a zero balance. After everything I went through with this, once I receive a document from both [redacted] and the collection company stating this is a zero balance, I will accept the outcome. The company did state they would send me a copy for my records but that has been a while and no letter yet. Please send the letter to my home address on file.
Final Business Response /* (4000, 11, 2015/09/10) */
This account was credited to zero balance by the original creditor, [redacted] who also closed the account with us on 8/27/15. The account was also deleted from the credit report automatically upon closing.
We took the additional step of doing a manual online deletion and have now sent a Closed letter with the AUD reference number to this consumer. We believe that this satisfies the request of this consumer. If he would like additional information from [redacted] he will need to contact them directly.
Final Consumer Response /* (2000, 13, 2015/09/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you very much. This does resolve my issue and it is my hopes that [redacted] will no longer send something that has been a zero balance, to another collection agency. Thank you from clearing it from my credit report as well.
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 /* (1000, 5, 2015/09/17) */
We received a letter of dispute and request for no further calls from this consumer in June 2015. We ceased all calls at that time. The 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 account. The 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 /* (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 paid. Furthermore, according to [redacted] collection record is still there. Will you please remove it immediately. This is the 2nd time and second collection attempt from 2 different companies for a paid balance.
Final Business Response /* (4000, 13, 2015/10/19) */
We appreciate this consumer providing us with the additional information. We 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 report. The AUD reference # is XXXXXXXX.
We believe that this should resolve the matter for the consumer. Should he have further questions or concerns, he may contact me directly.
Thank you for contacting our office regarding the complaint of [redacted]. We would be glad to assist her with the concerns raised, however with the limited information that was provided we are unable to locate the account she is referencing. If she could provide additional information from her...
credit report we can further assist her with her concerns. She may also contact [redacted], Virtuoso Sourcing Group by calling [redacted]. Thank you.
We have reviewed this consumer's complaint and attempted to match her phone number with our account records for an individual named [redacted] that has the same or a very similar phone number in our system. We have been unable to locate a record that has or had her phone number on...
it. It is our business practice to remove a phone number from our records when we are advised that it is a "wrong number" for the party we are attempting to reach. Should this consumer continue to receive calls, she may ask to speak with a supervisor or manager and I am confident that they will take the necessary steps to cease the calls to her. Or she may also feel free to contact me directly by phone or email. Email = [redacted]Phone = [redacted]We apologize for any inconvenience this may have caused her and will follow through in our commitment to assist her if she can provide more information.
Our records indicate that tbis consumer paid his aaccount in May and he did pay a reduced settlement amount. However, since the account was not fully satisfied, the account reported as "settled for less than the full amount". Since he has expressed that he was not aware that this would...
not fully close the account and ensure no credit reporting, we appreciate that he has paid the remainder. Due to this misunderstanding, we have deleted the account from the credit report. The AUD reference # for this deletion is [redacted].If this consumer has additional questions or concerns, I suggest that he contact me directly at [redacted] or by email to [redacted].
Thank you for contacting our office regarding the complaint of [redacted] assigned an account to our office on May 12, 2017. On May 17, 2017, we mailed a validation letter to the address on file, which is also the address listed on her complaint. We were made aware of [redacted] dispute...
through [redacted] on August 24, 2017. At that time, we updated her account to reflect her dispute and deleted our entry from her credit report. We have requested proof of the debt from our client and will forward the information to [redacted] upon receipt. If [redacted] may contact our office with any questions she may have and we will refrain from any collection efforts until the debt has been verified. Upon receipt of the verification of the debt [redacted] may contact our office to make payment on the balance. Thank you.
This account was very recently assigned to Virtuoso for collection. We have not had prior contact with this consumer. Since he/she has indicated that they dispute this balance, we have requested validation of the account from the original creditor, [redacted]. ...
This information will be provided to the consumer and the account will remain in disputed status so that he/she has an opportunity to review the information provided. If this consumer has further questions, he/she may contact me directly by phone to ###-###-#### or by email to [redacted]
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]
Initial Business Response /* (1000, 5, 2015/05/05) */
We appreciate this consumer advising us of the extenuating circumstances which prevented him from being aware of the account.
Our records indicate that the account was paid in full as stated. The account was reported as Paid in Full on...
February 11, 2015.
However, due to the extenuating circumstances, we have submitted the account now for deletion from his credit report. The online reference # is XXXXXXXX.
A paid in full letter with this information was mailed to this consumer at the address which he provided.
We believe that this will resolve his concerns. Should he have further questions, he may contact me directly.
Initial Consumer Rebuttal /* (2000, 7, 2015/05/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/07/31) */
We have located the account for this consumer and have removed her phone number and placed the account on hold. There will be no further contact from Virtuoso concerning this account.
We have forwarded her concerns to the original creditor...
for their review.
We believe that this will resolve this matter for the consumer. If she has additional questions or concerns, she may contact me directly.
Initial Business Response /* (1000, 5, 2015/04/28) */
Our records indicate that three separate accounts were assigned to Virtuoso from the State of Colorado for this consumer. We 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 /* (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 company. And I only have record of two accounts NOT three. And 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 /* (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 HOLD. And the state office advised us that they would contact her to advise that the account was paid in full and the hold removed.
We are glad to assist this consumer if she has an account on her credit report which references our company. However, we are currently unable to locate any account with the information she provided. The best way for her to resolve this is for her to submit a "dispute" with the credit...
reporting company directly. They will immediately send it to Virtuoso for confirmation and we will confirm deletion.If she still would like for Virtuoso to research this, we will need additional information such as previous addresses or names under which the account may have been established. Also if she can provide the last 4 digits of her SSN and any account numbers or name of original creditor from her credit report. She may feel free to contact me directly either by phone to ###-###-#### or by email to [redacted]
This consumer was sent a validation notice on 9/12/2015 to the same address that he provided in his complaint. Our records indicate that it was not returned. And we had not previously received a request for debt validation. However, this account is scheduled to be recalled by the...
original creditor in the next few days and therefore, Virtuoso has placed the account on hold and has deleted it from the credit report. The AUD reference # for this manual online deletion is [redacted].If he has further questions, he may contact me directly at ###-###-####.
Initial Business Response /* (1000, 5, 2015/09/08) */
We have identified the account which this consumer has referenced. We have placed the account into a Fraud Pending status and have sent the Fraud information required by [redacted] to this consumer at the address which he provided.
We have...
removed the account from his credit report and will completely delete it upon receipt of the fraud information.
We believe that this will resolve this matter for this consumer. If he has further questions, he may contact me directly by email or by phone to XXX-XXX-XXXX.
Initial Business Response /* (1000, 5, 2015/10/08) */
Our records indicate that this account was assigned to Virtuoso by [redacted] on 7/22/15 and we sent an initial notice to her on 7/24/15 to the address on file. It was not returned - however, it was sent to a different address than this consumer...
included in her complaint.
Therefore, we have placed the account on hold, removed it from her credit report, re-sent the initial notice to her new address and are requesting "validation" of the debt from the original creditor which will be mailed to her as well.
The account will remain on hold until she has had the opportunity to review the information. If she has further questions, she may feel free to call our office toll free at XXX-XXX-XXXX or she may contact me directly.
Initial Business Response /* (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 2011. The account was closed in October of 2011 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 today. The AUD reference # for this deletion is XXXXXXXX.
We believe this should resolve his concerns. However, should he have further questions or concerns, he may contact me directly by phone or email.
Initial Consumer Rebuttal /* (2000, 7, 2015/07/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you
Initial Business Response /* (1000, 5, 2015/10/14) */
This account has been placed into a disputed status and removed from the credit report at this time. We have forwarded her concerns about the [redacted] account to our client, [redacted] for their review.
The account will remain in a disputed...
status until [redacted] provides a response. If they believe that the balance is correct, we will forward copies of the itemized statemnets to the consumer. She will be provided an opportunity to review them and respond or resolve this matter.
If she has further questions or concerns, she is encouraged to contact our office and may contact me directly.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (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 address. We will immediately forward these documents to the utility company. Both 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
We are glad to hear that the calls have stopped. And this consumer should feel free to contact me should she have any additional concerns. Thank you