Weinman Acquisition Group

In regards to Complaint ID # [redacted] , the consumer was a mother taking care of an account that belonged to her sonShe verified his information as he was/still is incarceratedWhen the consumer was contacted, she voluntarily settled the account for her sonThe consumer was sent the settlement arrangement, card authorization and transaction receipt to the address she provided usThe documents were sent to her the day she provided payment on 11/3/(Documents are attached) The consumer was notified that there would be a 3rd party processor that would appear on her bank statement (stated in letter also) and that after receiving the documents in the mail she would have to sign and return them with the prepaid envelope providedAfter our office receives the signed documentation, a paid release letter would be sent with a copy of the signed documentsThe consumer was never provided a paid letter due to not ever signing and returning the documents she originally was mailedWe did not "take her money and refuse to send her documents" but did request that she sign and return the documents she hadThe customer agreed to the terms while speaking to her representative on 11/3/It's disappointing that the consumer stated we would not send any info or provide information she requestedThe consumer asked for charges and activity in 2011, which is privileged information and due to personal privacy we're not entitled to release that informationThe consumer also asked when and who the account came fromWe're in a Non-Disclosure Agreement and are unable to release that information due to the terms of the contractOur office apologizes for any inconvenience caused to the consumerOur refund policy does state that there is days to request a refundIf the consumer signs and returns the documents, a paid release and copy of signed documents will be sent back to herThe account will be closed accordingly and there would be no further contact unless the consumer initiated contact firstIf the account can be closed accordingly we can assure that is marked as Paid in full, credit bureaus will be updated within 60-days and there would be no resale of the account as it would be closed as paidOur office is still willing to fulfill the arrangement set with the consumer

In regards to the following complaint, I am unsure how the consumer would have two letters from us since we were not in business year agoHSBC funds multiple cards including Visa, Mastercard and DiscoverIt’s possible that the consumer had more than one card funded by HSBC bankThe consumer was not requested to pay anything in a lump sumShe did ask for documentation to her email regarding the amount the representative and her spoke aboutAn investigation regarding the message the consumer received is currently in progressIf any of our employees left a message as the consumer claims, they will be reprimanded to the fullest extent We would not contact the consumer if she did not have an account, but identity fraud cannot be ruled out if she did not open this card herselfI understand there are many agencies that will scam consumers but our business does not operate in that fashion I can assure the consumer will not receive any more phone calls from our office in regards to this matterWe sincerely apologize for any inconvenience this may have caused

Our office apologizes for any inconvenience caused and in no way was trying to scam the consumer No representative from our office was able to speak to the consumerWe will respect the request to cease and desist all communicationThere will be no further contact to the consumer from our officeThe account was closed and returned to the brokerOnce again, our office apologizes for any inconvenience caused

In regards to this complaint, the consumer stated she contacted Plains Commerce Bank and they had no record in their systemWhen banks or creditors sell their delinquent accounts, they no longer have all the information pertaining to that accountWhoever acquires those delinquent accounts will
then have the information instead of Plains Commerce BankOur broker has been contacted in regards to this incident that the consumer is claiming as wellOur office strives on customer satisfactionAccording to the complaint, there is a disputed amount of $We are willing to accommodate the consumer with what she wishes for her desired settlementAll phone numbers have been placed on the do not call list and will not be contacted againOnce again, we apologize for any inconvenience caused to the consumerIf she can contact us via email or via this complaint regarding her desired settlement, we are happy to oblige

After reviewing the complaint with id ***, I have found many inconsistencies with what the customer claimed versus what was actually saidThere was no mention of felonies, leans, or the customer being detainedIt was stated there was a delinquent account attached to the customer’s social
security numberThe customer was asked if he would voluntarily like to resolve the account, and he stated that yes he wouldThe customer was notified that he would receive an agreement in his email regarding the payment arrangement he developed, a card authorization form and a transaction receiptOn September 27, 2016, the customer contacted our office again regarding his account, and stated he would call back after work with card information to make a paymentHe contacted his representative again stating he was driving but still provided card informationHis payment was processed successfullyThere was an automatic confirmation receipt sent after the payment processed successfully at 2:pm EST on September 27, The file number in our office was PL92692, which is why the name of the document for the customer to e-sign was “PLAgreement.” The customer never disputed or mentioned not having an account with Plain Green LLC while speaking with his representativeThe information that the customer was given including old address and e-mail address was the information provided to Plain Green LLC when the loan was taken outThe documents that were sent to the customer included all information regarding the loan through Plain GreenHe did not contact Plain Green eitherAlso, I’m not sure what the customer looked up to receive an address in CaliforniaThe customer also should have received a text message after the payment processed, which required a Yes or No response to accept the chargeThe customer accepted the charge through this text message service as well according to our merchant processorThe customer never contacted our office back to ask any questions, or request a refundAfter receiving the complaint, the customer was refunded the full amount that was paid on 9/27/The customer was not contacted again from our officeThe account was closed and deemed non-collectableWe apologize for any inconvenience caused to the customerWe also realize that customers exaggerate situations in order to make companies look badattachments:

I have reviewed the consumer's responseTo our knowledge, banks only keep certain information for a certain amount of timeOnce the bank sells the information, they no longer will have information for those customers whose accounts are being soldIt would be incredibly expensive for every company to keep every customers information for a lifetimeIn my response I had asked what the consumer wanted for resolutionShe never mentioned this in her response but we have made the best decision to return all funds to the consumerThere is a certified check in the amount of $for the consumerWe have emailed the consumer to verify the mailing addressOur intentions are not to hurt any consumer in any way or cause them inconvenienceOnce again, our office sincerely apologizes to the consumerBest Regards, *** ***

To whom it may concern, In regards to complaint id ***, we apologize for any inconvenience causedAfter reviewingphone conversations from the employee involved, he has been terminated as a resultThe account willbe closed and returned to our brokerAll information will be removed and the
consumer will receive nocontact from our officeWe also restructured our training process to be sure of properly trainedemployeesOnce again, we apologize for any inconvenience.Sincerely, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I disagree with the responseI work for a bank and even if the customer no longer has any accounts with us, their name and SS# remain in our systemRegards, *** ***

With regards to the consumer’s complaint, her family was contacted regarding her account. The numbers attached to her account were contacted in attempts to reach the account holder. The account holder was finally reached and stated that she lives in the UK.  On 4/25/2016, the account holder...

stated she would “call back tomorrow at 4 pm” and that she “doesn’t want parents to be called but does want to take care of it.” The consumer requested an email with information, which was sent 4/25/2016. She never called our office back until 5/3/2016 when she stated she disputed the account. If there was identity theft involved, the consumer never mentioned this to the representative, nor did she send anything regarding identity theft. The account that was in question was not even opened during the time of 2005 identity theft that the consumer is claiming. All numbers have been removed from the consumers account and it has been sent back to the broker. We apologize for any inconvenience caused to the consumer.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. The business' response makes it sound as if the issue was limited to one employee.  It isn't.  I spoke to multiple employees, and received multiple voicemails, alleging that legal documents had attempted to be delivered.  One employee said "You'll have your day in court."   This is not an isolated problem -- it's the way the company does business.  They are predatory, and attempt to trick people with false threats.   Regards,  [redacted]

In regards to Complaint ID #[redacted], the consumer was a mother taking care of an account that belonged to her son. She verified his information as he was/still is incarcerated. When the consumer was contacted, she voluntarily settled the account for her son. The consumer was sent the settlement...

arrangement, card authorization and transaction receipt to the address she provided us. The documents were sent to her the day she provided payment on 11/3/2016. (Documents are attached) The consumer was notified that there would be a 3rd party processor that would appear on her bank statement (stated in letter also) and that after receiving the documents in the mail she would have to sign and return them with the prepaid envelope provided. After our office receives the signed documentation, a paid release letter would be sent with a copy of the signed documents. The consumer was never provided a paid letter due to not ever signing and returning the documents she originally was mailed. We did not "take her money and refuse to send her documents"  but did request that she sign and return the documents she had. The customer agreed to the terms while speaking to her representative on 11/3/2016. It's disappointing that the consumer stated we would not send any info or provide information she requested. The consumer asked for charges and activity in 2011, which is privileged information and due to personal privacy we're not entitled to release that information. The consumer also asked when and who the account came from. We're in a Non-Disclosure Agreement and are unable to release that information due to the terms of the contract. Our office apologizes for any inconvenience caused to the consumer. Our refund policy does state that there is 60 days to request a refund. If the consumer signs and returns the documents, a paid release and copy of signed documents will be sent back to her. The account will be closed accordingly and there would be no further contact unless the consumer initiated contact first. If the account can be closed accordingly we can assure that is marked as Paid in full, credit bureaus will be updated within 60-90 days and there would be no resale of the account as it would be closed as paid. Our office is still willing to fulfill the arrangement set with the consumer.

In regards to the following complaint, we investigated the consumer’s complaint(s). The consumer was contacted once in April with regards to an account that ended up belonging to a relative. The number was listed as an alternate reach to the account owner.  There was no harassment by any means....

We apologize for any inconvenience caused. The consumer’s number has been removed and placed on the do not call list.

To whom it may concern,In regards to complaint id [redacted], we apologize for any inconvenience caused. A letter was sent onDecember 14, 2016 to the address on the consumers account. This letter was never returned to us asundeliverable. The consumer contacted our office on February 1, 2017 and...

requested a letter afterspeaking with a representative. Although the consumer requested a verification of debt after the thirty daydispute period, we agreed to send another to her email provided during the phone call. Theconsumer requested original statements and documents regarding her account. Since it was after thedispute period, we requested the documents from our broker. Our office has not received thesedocuments at this time. The customer was not contacted again after February 2, 2017. We received twoemails from the consumer on February 9, 2017 for the original documents request and stated shecontacted the original creditor (CashNet). It is possible that CashNet does not have the consumer’sinformation in-house any more, which is why they would not be able to locate her in their system. Theaddress on the letter sent to the consumer also contained the address that was used to at the time ofopening the now delinquent account. All of the consumer’s information has been removed from oursystem and returned to the broker. We apologize for making the consumer fee l as if the account was nothers, which may be a case of identity fraud. Our office apologizes for any inconvenience. The consumerwill not be contacted by our office. Sincerely, [redacted]

To whom it may concern,  In regards to complaint number [redacted], our office apologizes for any inconvenience. Our  office will investigate and review the complaint stated by the customer regarding the conversation withthe representative she spoke with. We can assure the desired settlement...

of the customer will be met and there will be no further contact. The customer also stated that our company “generates many consumer complaints, as seen in online forums” which we are in the process of handling. Many consumer complaints do not pertain to our office, and those that do we attempt to respond to resolve any issues and/or concerns. Once again our office apologizes for any inconvenience caused to the customer.  Sincerely, Nicole [redacted]  P.O Box 1152, Lockport, NY 14095

In regards to the following complaint, I am unsure how the consumer would have two letters from us since we were not in business 1 year ago. HSBC funds multiple cards including Visa, Mastercard and Discover. It’s possible that the consumer had more than one card funded by HSBC bank. The consumer was...

not requested to pay anything in a lump sum. She did ask for documentation to her email regarding the amount the representative and her spoke about. An investigation regarding the message the consumer received is currently in progress. If any of our employees left a message as the consumer claims, they will be reprimanded to the fullest extent.  We would not contact the consumer if she did not have an account, but identity fraud cannot be ruled out if she did not open this card herself. I understand there are many agencies that will scam consumers but our business does not operate in that fashion.  I can assure the consumer will not receive any more phone calls from our office in regards to this matter. We sincerely apologize for any inconvenience this may have caused.

Our office apologizes for any inconvenience caused and in no way was trying to scam the consumer.  No representative from our office was able to speak to the consumer. We will respect the request to cease and desist all communication. There will be no further contact to the consumer from our...

office. The account was closed and returned to the broker. Once again, our office apologizes for any inconvenience caused.