Initial Business Response /* (1000, 5, 2016/03/02) */
Thank you for your correspondence dated February 24, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Ms. [redacted]'s account was placed with...
One Advantage, LLC on September 9, 2010 by our client to collect on this debt. On September 28, 2010 One Advantage sent Ms. [redacted] a letter to the address of 51 Nevada St. Bristol, VA 2420, which is the address she has listed in this complaint. We did not receive any mail return on the account.
It appears the reason that our offices were not able to locate Ms. [redacted]'s account was because she was providing her social security number, which was not listed on the account, and also when the account was placed with us we had the name reflected as [redacted] Burnette. Without a complete match, we are not able to locate accounts.
On February 19, 2016 One Advantage received a letter from Ms. [redacted] stating she does not owe the balance. Upon receipt of this correspondence One Advantage updated Ms. [redacted]'s account and credit report to reflect disputed. We then had a representative call Ms. [redacted] to advise of the account and left a message on phone number XXX-XXX-XXXX.
As of February 19, 2016 Ms. [redacted]'s account and credit report were updated to reflect her dispute. We are currently working on obtaining the validation of debt and once received, we will send the documents to Ms. [redacted].
Due to Ms. [redacted]'s inconvenience that she experienced, we have submitted a request to have this account removed from her credit report.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope the above information will help resolve her concerns.
One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
Nicholette [redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
While I do not agree with certain facts provided by Mr. [redacted], I accept the response. All I was asking was for verification of the debt. With it being removed from my credit report, I should be able to move forward with my financial plans. Thank you.
Dear [redacted],
Thank you for your correspondence dated April 4, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation...
of this matter was performed. We do reflect that Ms. [redacted] paid the account in full on March 4, 2011. In review of the account Firstsource Advantage did find that Ms. [redacted] sent us a validation request on September 10, 2015 but we failed to address the request until we received the second notice.
Due to validation request not being responded upon initial receipt, we have submitted a request to have this account removed from Ms. [redacted]'s credit report
We do apologize for any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Dear [redacted],
Thank you for your correspondence dated August 22, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough...
investigation of this matter was performed. Ms. [redacted]'s account was placed with our office on March 28, 2016 by our client to collect on this debt. On March 29, 2016 Firstsource Advantage sent Ms. [redacted] a notice informing her that the account was placed with our office. This letter was mailed to the address Ms. [redacted] has provided in her complaint.
We do reflect that Ms. [redacted] paid her account in full on June 1, 2016. Her credit report was updated to reflect paid in full.
Upon receipt of this complaint, Firstsource Advantage has updated Ms. [redacted]'s account to reflect disputed.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No notice was received on March 29, 2016. I would not have neglected a notice for [redacted] knowing that it would affect my credit. The client that they are referring to should not have ever even sent my account to collections as I was paying each month on a medical bill. That is a separate issue. No notice was received at my address. I would have charged a credit card knowing how hard I have worked for good credit. I moved my whole family away from my home in California in order to live on one income and pay off credit cards. This is not an ethical action as I did not receive the above mentioned notice from March 29, 2016. The item needs to be removed from my credit report.
Final Business Response /* (4000, 9, 2016/08/25) */
August 25, 2016
Re: [redacted]
Complaint ID: XXXXXXXX
Dear [redacted],
Thank you for your recent correspondence dated August 24, 2016. Upon receiving notification that Ms. [redacted] was not satisfied with our response, we have revisited this complaint.
We are sorry to hear that Ms. [redacted] did not receive our letter. As previously stated, we do reflect that Ms. [redacted] paid her account in full on June 1, 2016. Her credit report was updated to reflect paid in full.
Upon receipt of the original complaint, Firstsource Advantage has updated Ms. [redacted]'s account to reflect disputed.
Please note that Firstsource Advantage, LLC removes accounts from the credit report if we find the information to be inaccurate. At this time, we have no discrepancies that would make us believe that we are reporting inaccurate information.
Again, we do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2016/06/02) */
Thank you for your correspondence dated May 26, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Upon review of the complaint, it appears that...
Ms. [redacted] is attempting to contact our Firstsource Advantage, LLC office and not our affiliate company, One Advantage, LLC who is servicing her accounts. We believe this is the reason she was not able to establish contact with our office and also that she was using the incorrect website.
Records reflect that several letters were sent to Ms. [redacted] at her address listed in her complaint.
One Advantage does reflect Ms. [redacted] making payments and we appreciate her working with our office to resolve her accounts. If she would like to contact our affiliate office, she may reach us toll free at X-XXX-XXX-XXXX and a representative would be happy to assist her. The One Advantage, LLC payment website is http://paylaportenorth.oneadvantagellc.com.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 6, 2016/02/05) */
Contact Name and Title: Nichoette [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@na.firstsource.com
Thank you for your correspondence dated February 3, 2015. Upon receiving notification of the complaint, as a...
part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]'s account was placed twice with Firstsource Advantage. The first placement was on March 11, 2015. On March 27, 2015 Firstsource Advantage did receive Mr. [redacted]'s request for validation. Firstsource Advantage coded the account with Mr. [redacted]'s dispute and per our client requirements they closed the account from our office on March 31, 2015. On July 9, 2015 Firstsource Advantage did receive Mr. [redacted]'s second request however we were no longer servicing the account at this time and sent the request to the client.
Mr. [redacted]'s account was then replaced with our office on January 15, 2016 by our client.
Upon receipt of this correspondence Firstsource Advantage has again coded Mr. [redacted]'s account as disputed and informed the client accordingly. Since the client may again close this account from our office, we will directly reach out to them to ensure Mr. [redacted] receives the information he has requested.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope the above information will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (3000, 8, 2016/02/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am glad this company has responded to this issue the way they have,and was able to find all info so fast. However,because they found the info so fast and was able to verify I have previously disputed this debt with them,it seems as they would have some sort of system in place to prevent them from accepting accounts already disputed with them in the first place to avoid violating the law again in the future. I want assurance this matter is solved since this company is unable to provide me with proper validation of this debt as required by law. I have disputed this twice with them. Both times they sent it back to Resurgent Capital Services,LLC aka LVNV Funding LLC. They can not validate this debt,and keeps accepting it for collections even if it has already been disputed with them previously. This is the case by their own admission,and is a violation of my rights.
Final Business Response /* (4000, 10, 2016/02/15) */
Contact Name and Title: [redacted] Compliance Manag
Dear Ms. Anciani-Dutt,
Thank you for your recent correspondence dated February 9, 2015. Upon receiving notification that Mr. [redacted] was not satisfied with our response we have revisited the complaint and also reached out to Resurgent Capital Services for more information.
Resurgent Capital Services has informed us that the first date they received a dispute on this account was March 27, 2015. This dispute was received through our office. A response was sent to Mr. [redacted] on June 24, 2015 from Resurgent Capital Services providing an account summary. Resurgent Capital Services also received a second request, as did the current servicer at the time, but no further information was provided by Mr. [redacted] to assist in their investigation.
Resurgent Capital Services further stated that after the most recent complaint was received on February 4, 2016, which was forwarded to Resurgent Capital Services by Firstsource Advantage, Mr. [redacted]'s account was written off on February 8, 2016. No further collection activities will continue.
Again we do regret any inconvenience that Mr. [redacted] may have experienced and hope the above information from the client will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
Nicholette [redacted]
Compliance Manager
OFFER:
Final Consumer Response /* (2000, 12, 2016/02/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2016/12/07) */
December 7, 2016
Re: [redacted]
Complaint ID: XXXXXXXX
We are in receipt of your case referenced above relating to this consumer which relates to an account serviced by our affiliate company, One Advantage, LLC. We have...
contacted them regarding this complaint and received the following information.
Per our standard complaint process, a thorough investigation of the allegations was performed. Ms. [redacted] has three accounts that were placed with their office. On April 25, 2016 an initial notice was sent to the address of [redacted] XXXXX. One Advantage did not receive a mail return on the account. One Advantage also made several attempts to contact Ms. [redacted] by telephone but all attempts were unsuccessful at establishing contact.
Upon receipt of this complaint, One Advantage has updated the accounts and credit report to reflect disputed and ordered validation of debt. Once received, they will send the verification to Ms. [redacted].
They do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of her concerns have been addressed.
One Advantage LLC has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact me at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/12/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response is rejected because these accounts have not been validated as outlined in First Advantage's response to my dispute. If first advantage had done it's due dilegence the validation docs would be readily accessible. So essentially, in their response thegly are saying that this erroneous debt will continue to reporton my credit until they validate whether or not I am responsible. THIS IS COMPLETELY UNACCEPTABLE. It is the responsibility of the purchasing company to validate docs and accounts before theh go damaging consumer's credit. I am requesting that these accounts are removed immediately or I will be taking further consumer right's actions.
Final Consumer Response /* (2000, 15, 2016/12/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Business Response /* (4000, 13, 2016/12/16) */
The validation was sent on Wednesday December 14, 2016 which is why Ms. [redacted] would not be in receipt of the documentation. Please allow a few days for receipt of the documentation.
Initial Business Response /* (1000, 5, 2016/03/28) */
Thank you for your correspondence dated March 22, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]'s account was placed with...
Firstsource Advantage on February 24, 2016 by our client to collect on this debt. The call recordings do not reflect any of our representatives being rude to Mr. [redacted]. Our records do reflect a representative repeatedly and unnecessarily made excessive calls. The representative has been counseled on the importance of properly dialing on accounts and written disciplinary action will be kept on file. Mr. [redacted] did inform our office to not call his parent's number but the representative failed to have the number properly removed which resulted in additional calls. This representative has been counseled on the importance of properly removing wrong numbers to ensure no further calls are mare and written disciplinary action will be kept on file.
Upon receipt of this complaint, Firstsource Advantage has sent a request to the client for verification of debt and also removed all numbers on the account. Once the documents are received, we will send them to Ms. [redacted] and then close his account from our office as a cease and desist.
We do apologize for any inconvenience that Mr. [redacted] may have experienced and hope the above information will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2016/10/14) */
October 14, 2016
Re: [redacted]
Complaint ID: XXXXXXXX
Dear [redacted],
Thank you for your correspondence dated October 12, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a...
thorough investigation of this matter was performed. Ms. [redacted]'s account was placed with our office on July 19, 2016 by our client to collect on this debt. On July 20, 2016, One Advantage did send a dunning notice to Ms. [redacted], explaining the account was placed with our office for collections. This letter was sent to the address Ms. [redacted] has listed in her complaint and no mail return was received. We have also attempted to call Ms. [redacted] but no phone contact was established with her.
One Advantage does reflect receiving the following payments directly from the client, [redacted] on August 12, 2016, [redacted] on September 16, 2016 and a payment of [redacted] was reported to us on October 12, 2016. We reflect the same balance due of [redacted] as Ms. [redacted].
Upon receipt of this complaint, One Advantage has coded the account as disputed and sent a request to the client for validation of debt. Once received, we will send to the documentation to her. Ms [redacted] can continue to make her payments directly to the client.
One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2016/03/02) */
Thank you for your correspondence dated February 24, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Ms. [redacted]'s account was placed with...
One Advantage, LLC on September 9, 2010 by our client to collect on this debt. On September 28, 2010 One Advantage sent Ms. [redacted] a letter to the address of 51 Nevada St. Bristol, VA 2420, which is the address she has listed in this complaint. We did not receive any mail return on the account.
It appears the reason that our offices were not able to locate Ms. [redacted]'s account was because she was providing her social security number, which was not listed on the account, and also when the account was placed with us we had the name reflected as [redacted] Burnette. Without a complete match, we are not able to locate accounts.
On February 19, 2016 One Advantage received a letter from Ms. [redacted] stating she does not owe the balance. Upon receipt of this correspondence One Advantage updated Ms. [redacted]'s account and credit report to reflect disputed. We then had a representative call Ms. [redacted] to advise of the account and left a message on phone number XXX-XXX-XXXX.
As of February 19, 2016 Ms. [redacted]'s account and credit report were updated to reflect her dispute. We are currently working on obtaining the validation of debt and once received, we will send the documents to Ms. [redacted].
Due to Ms. [redacted]'s inconvenience that she experienced, we have submitted a request to have this account removed from her credit report.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope the above information will help resolve her concerns.
One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
Nicholette [redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
While I do not agree with certain facts provided by Mr. [redacted], I accept the response. All I was asking was for verification of the debt. With it being removed from my credit report, I should be able to move forward with my financial plans. Thank you.
Initial Business Response /* (1000, 5, 2016/04/08) */
Re: [redacted]
Complaint ID: XXXXXXXX
Dear [redacted],
Thank you for your correspondence dated April 4, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation...
of this matter was performed. We do reflect that Ms. [redacted] paid the account in full on March 4, 2011. In review of the account Firstsource Advantage did find that Ms. [redacted] sent us a validation request on September 10, 2015 but we failed to address the request until we received the second notice.
Due to validation request not being responded upon initial receipt, we have submitted a request to have this account removed from Ms. [redacted]'s credit report
We do apologize for any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2016/08/23) */
Re: [redacted]
Complaint ID: XXXXXXXX
Dear [redacted],
Thank you for your correspondence dated August 22, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough...
investigation of this matter was performed. Ms. [redacted]'s account was placed with our office on March 28, 2016 by our client to collect on this debt. On March 29, 2016 Firstsource Advantage sent Ms. [redacted] a notice informing her that the account was placed with our office. This letter was mailed to the address Ms. [redacted] has provided in her complaint.
We do reflect that Ms. [redacted] paid her account in full on June 1, 2016. Her credit report was updated to reflect paid in full.
Upon receipt of this complaint, Firstsource Advantage has updated Ms. [redacted]'s account to reflect disputed.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No notice was received on March 29, 2016. I would not have neglected a notice for [redacted] knowing that it would affect my credit. The client that they are referring to should not have ever even sent my account to collections as I was paying each month on a medical bill. That is a separate issue. No notice was received at my address. I would have charged a credit card knowing how hard I have worked for good credit. I moved my whole family away from my home in California in order to live on one income and pay off credit cards. This is not an ethical action as I did not receive the above mentioned notice from March 29, 2016. The item needs to be removed from my credit report.
Final Business Response /* (4000, 9, 2016/08/25) */
August 25, 2016
Re: [redacted]
Complaint ID: XXXXXXXX
Dear [redacted],
Thank you for your recent correspondence dated August 24, 2016. Upon receiving notification that Ms. [redacted] was not satisfied with our response, we have revisited this complaint.
We are sorry to hear that Ms. [redacted] did not receive our letter. As previously stated, we do reflect that Ms. [redacted] paid her account in full on June 1, 2016. Her credit report was updated to reflect paid in full.
Upon receipt of the original complaint, Firstsource Advantage has updated Ms. [redacted]'s account to reflect disputed.
Please note that Firstsource Advantage, LLC removes accounts from the credit report if we find the information to be inaccurate. At this time, we have no discrepancies that would make us believe that we are reporting inaccurate information.
Again, we do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2016/06/02) */
Thank you for your correspondence dated May 26, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Upon review of the complaint, it appears that...
Ms. [redacted] is attempting to contact our Firstsource Advantage, LLC office and not our affiliate company, One Advantage, LLC who is servicing her accounts. We believe this is the reason she was not able to establish contact with our office and also that she was using the incorrect website.
Records reflect that several letters were sent to Ms. [redacted] at her address listed in her complaint.
One Advantage does reflect Ms. [redacted] making payments and we appreciate her working with our office to resolve her accounts. If she would like to contact our affiliate office, she may reach us toll free at X-XXX-XXX-XXXX and a representative would be happy to assist her. The One Advantage, LLC payment website is http://paylaportenorth.oneadvantagellc.com.
We do regret any inconvenience that Ms. [redacted] may have experienced and hope that all of her concerns have been addressed.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 6, 2016/02/05) */
Contact Name and Title: Nichoette [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@na.firstsource.com
Thank you for your correspondence dated February 3, 2015. Upon receiving notification of the complaint, as a...
part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]'s account was placed twice with Firstsource Advantage. The first placement was on March 11, 2015. On March 27, 2015 Firstsource Advantage did receive Mr. [redacted]'s request for validation. Firstsource Advantage coded the account with Mr. [redacted]'s dispute and per our client requirements they closed the account from our office on March 31, 2015. On July 9, 2015 Firstsource Advantage did receive Mr. [redacted]'s second request however we were no longer servicing the account at this time and sent the request to the client.
Mr. [redacted]'s account was then replaced with our office on January 15, 2016 by our client.
Upon receipt of this correspondence Firstsource Advantage has again coded Mr. [redacted]'s account as disputed and informed the client accordingly. Since the client may again close this account from our office, we will directly reach out to them to ensure Mr. [redacted] receives the information he has requested.
We do regret any inconvenience that Mr. [redacted] may have experienced and hope the above information will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
OFFER:
Initial Consumer Rebuttal /* (3000, 8, 2016/02/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am glad this company has responded to this issue the way they have,and was able to find all info so fast. However,because they found the info so fast and was able to verify I have previously disputed this debt with them,it seems as they would have some sort of system in place to prevent them from accepting accounts already disputed with them in the first place to avoid violating the law again in the future. I want assurance this matter is solved since this company is unable to provide me with proper validation of this debt as required by law. I have disputed this twice with them. Both times they sent it back to Resurgent Capital Services,LLC aka LVNV Funding LLC. They can not validate this debt,and keeps accepting it for collections even if it has already been disputed with them previously. This is the case by their own admission,and is a violation of my rights.
Final Business Response /* (4000, 10, 2016/02/15) */
Contact Name and Title: [redacted] Compliance Manag
Dear Ms. Anciani-Dutt,
Thank you for your recent correspondence dated February 9, 2015. Upon receiving notification that Mr. [redacted] was not satisfied with our response we have revisited the complaint and also reached out to Resurgent Capital Services for more information.
Resurgent Capital Services has informed us that the first date they received a dispute on this account was March 27, 2015. This dispute was received through our office. A response was sent to Mr. [redacted] on June 24, 2015 from Resurgent Capital Services providing an account summary. Resurgent Capital Services also received a second request, as did the current servicer at the time, but no further information was provided by Mr. [redacted] to assist in their investigation.
Resurgent Capital Services further stated that after the most recent complaint was received on February 4, 2016, which was forwarded to Resurgent Capital Services by Firstsource Advantage, Mr. [redacted]'s account was written off on February 8, 2016. No further collection activities will continue.
Again we do regret any inconvenience that Mr. [redacted] may have experienced and hope the above information from the client will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
Nicholette [redacted]
Compliance Manager
OFFER:
Final Consumer Response /* (2000, 12, 2016/02/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2016/12/07) */
December 7, 2016
Re: [redacted]
Complaint ID: XXXXXXXX
We are in receipt of your case referenced above relating to this consumer which relates to an account serviced by our affiliate company, One Advantage, LLC. We have...
contacted them regarding this complaint and received the following information.
Per our standard complaint process, a thorough investigation of the allegations was performed. Ms. [redacted] has three accounts that were placed with their office. On April 25, 2016 an initial notice was sent to the address of [redacted] XXXXX. One Advantage did not receive a mail return on the account. One Advantage also made several attempts to contact Ms. [redacted] by telephone but all attempts were unsuccessful at establishing contact.
Upon receipt of this complaint, One Advantage has updated the accounts and credit report to reflect disputed and ordered validation of debt. Once received, they will send the verification to Ms. [redacted].
They do regret any inconvenience that Mr. [redacted] may have experienced and hope that all of her concerns have been addressed.
One Advantage LLC has rigorous training and procedures to ensure compliance with the law and that the highest quality of service is provided to consumers. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact me at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Consumer Rebuttal /* (3000, 7, 2016/12/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response is rejected because these accounts have not been validated as outlined in First Advantage's response to my dispute. If first advantage had done it's due dilegence the validation docs would be readily accessible. So essentially, in their response thegly are saying that this erroneous debt will continue to reporton my credit until they validate whether or not I am responsible. THIS IS COMPLETELY UNACCEPTABLE. It is the responsibility of the purchasing company to validate docs and accounts before theh go damaging consumer's credit. I am requesting that these accounts are removed immediately or I will be taking further consumer right's actions.
Final Consumer Response /* (2000, 15, 2016/12/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Business Response /* (4000, 13, 2016/12/16) */
The validation was sent on Wednesday December 14, 2016 which is why Ms. [redacted] would not be in receipt of the documentation. Please allow a few days for receipt of the documentation.
Initial Business Response /* (1000, 5, 2016/03/28) */
Thank you for your correspondence dated March 22, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a thorough investigation of this matter was performed. Mr. [redacted]'s account was placed with...
Firstsource Advantage on February 24, 2016 by our client to collect on this debt. The call recordings do not reflect any of our representatives being rude to Mr. [redacted]. Our records do reflect a representative repeatedly and unnecessarily made excessive calls. The representative has been counseled on the importance of properly dialing on accounts and written disciplinary action will be kept on file. Mr. [redacted] did inform our office to not call his parent's number but the representative failed to have the number properly removed which resulted in additional calls. This representative has been counseled on the importance of properly removing wrong numbers to ensure no further calls are mare and written disciplinary action will be kept on file.
Upon receipt of this complaint, Firstsource Advantage has sent a request to the client for verification of debt and also removed all numbers on the account. Once the documents are received, we will send them to Ms. [redacted] and then close his account from our office as a cease and desist.
We do apologize for any inconvenience that Mr. [redacted] may have experienced and hope the above information will help resolve his concerns.
Firstsource Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Please call me at XXX-XXX-XXXX if you have any questions. Thank you.
Sincerely,
[redacted]
Compliance Manager
Initial Business Response /* (1000, 5, 2016/10/14) */
October 14, 2016
Re: [redacted]
Complaint ID: XXXXXXXX
Dear [redacted],
Thank you for your correspondence dated October 12, 2016. Upon receiving notification of the complaint, as a part of our standard complaint process, a...
thorough investigation of this matter was performed. Ms. [redacted]'s account was placed with our office on July 19, 2016 by our client to collect on this debt. On July 20, 2016, One Advantage did send a dunning notice to Ms. [redacted], explaining the account was placed with our office for collections. This letter was sent to the address Ms. [redacted] has listed in her complaint and no mail return was received. We have also attempted to call Ms. [redacted] but no phone contact was established with her.
One Advantage does reflect receiving the following payments directly from the client, [redacted] on August 12, 2016, [redacted] on September 16, 2016 and a payment of [redacted] was reported to us on October 12, 2016. We reflect the same balance due of [redacted] as Ms. [redacted].
Upon receipt of this complaint, One Advantage has coded the account as disputed and sent a request to the client for validation of debt. Once received, we will send to the documentation to her. Ms [redacted] can continue to make her payments directly to the client.
One Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure compliance with the law and to ensure that the highest quality of service is provided to the customer. Complaints such as yours are taken very seriously and are thoroughly investigated. Should you have any questions, please do not hesitate to contact our office at X-XXX-XXX-XXXX. Thank you.
Sincerely,
[redacted]
Compliance Manager