October 12, Re: Revdex.com Case #: [redacted] – [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted] ’s dispute regarding the above referenced accountIn our original response to the issues mentioned in the dispute, EOS CCA provided Mr [redacted] an itemized statement from our client, [redacted] **, which is the original creditor on his accountThe statement was for services dated from 11/20/and show that the balance of $1,and has been due since 11/20/ This statement came directly from our client, and is the same statement that our client would have provided to Mr [redacted] at the time of serviceIn addition, the statement EOS CCA provided to Mr [redacted] reflects that his insurance company was also charged for a portion of the balanceIf possible, Mr [redacted] should contact his insurance company regarding this balance to further confirm the validity of this claimThe account remains open with our office in a temporary status that will cease communications which will allow time for Mr [redacted] to receive and review the informationIf you have any questions or concerns, please contact our Consumer Relations Department at [redacted] Sincerely, EOS CCA Consumer Relations Department
As stated, I never received any itemized breakdown of charges from EOC-CCAFurthermore, [redacted] has mailed me confirmation that they have no record of any agreement of a reduced paymentAs such, and based on on going and incessant phone calls, I was advised to start recording callsI have logged over ten calls in the past week alone and will be pursuing litigation based on [redacted] Federal Law which protects consumers from phone calls at inconvenient and unusual places, one of which is workEOC-CCA continues to call me on my work phone even though they have been notified in writing not to do soPlease be advised that you can take up the confusion about a reduced payment with [redacted] and that proceedingly, you can contact my Attorney, [redacted] at [redacted] in [redacted] MassachusettsThank you for your attention to this matter
January 14, Re: Revdex.com Compliant #: [redacted] – [redacted] # [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of the complaint in regard to [redacted] ***’s above referenced accountAs previously stated in our initial response to the Revdex.com complaint received on 12/07/, our client, [redacted] , placed the above referenced account with our office on 08/13/The account has since been closed in our system as well as in [redacted] ’s system, and as such, our office will not contact Mr [redacted] any furtherWe have notified the credit bureaus to delete the above referenced account from their recordsIf you have any questions, please contact our Consumer Relations Hotline at [redacted] for additional assistance Sincerely, EOS CCA Consumer Relations Department
This company repeatedly misses the pointThey are reporting wrong dates to the credit bureau, they are listing this as a March account were they readily admit it should be October 2011, they have never mailed any bills or a dunning notice to my address, yet they have no problem adding it to my credit reportThis is against the FDCPA rulesThey are in violation of these rulesI'd you violate the rules, you need to remove the account from my report Regards, [redacted] ***
June 12, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | US Asset Management Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted] ’s disputeAs part of our reasonable investigation, we have sent our client a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collections This information has been obtained and forwarded to [redacted] ’s address of record , [redacted] for review The Itemized Statements from [redacted] which is the original creditor on [redacted] ’s account are dated from 12/05/through 04/04/and show that the balance of $has been due since 4/26/Since the account has been in our office, it has accrued fees, the balance now due is $ The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the informationIf you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for further assistance Sincerely, EOS CCA Consumer Relations Department
July 24, RE: Complaint ID: [redacted] | [redacted] | EOS [redacted] #: **- [redacted] Original Creditor: U.SDepartment of Education | Creditor Account #: [redacted] Dear Revdex.com: We recently received the above referenced Revdex.com complaint from Ms [redacted] , regarding her defaulted student loan with the U.SDepartment of Education (ED) The complaint alleges that the borrower has faxed her application and financial documents in order to enter into the rehabilitation program; however, the PCA continues to inform the borrower that they have not received the paperwork The borrower also stated that her interest rate was not reduced while she was deployed in 2010.EOS [redacted] takes complaints of this nature very seriously and we regret that the borrower is dissatisfied with the manner in which the account is being administered EOS [redacted] has investigated the borrower’s complaint and our conclusions are set forth belowOur review shows that during a conversation on 10/20/14, the PCA rep offered the borrower the rehabilitation program based off of a preliminary financial profile Our representative properly informed the borrower of all necessary documents that would need to be sent to our agency in order to confirm the preliminary rehabilitation quote and on the following, day the PCA received partial documents from the borrower The borrower’s fax included a cover sheet, the borrower’s Financial Income Statement application and a handwritten breakdown of all monthly expenses The borrower did not submit proof of income, proof of necessary insurance or student loan payments that she claimed on the application EOS [redacted] made numerous attempts to inform the borrower of the missing documents; however, all attempts were unsuccessful until 3/5/ On 3/5/15, we contacted the borrower and informed the borrower of the missing documents that were needed in order to get her enrolled into the rehabilitation program Our agency received additional documents from the borrower on 3/25/15; however, the copies were illegible EOS [redacted] attempted to contact the borrower; however, all attempts have been unsuccessfulIn regards to the interest, the Private Collection Agency does not have anything to do with the accrual of interest; therefore, if the borrower believes that the interest should have ceased at the time of her deployment, she should contact the Department of Education regarding that issue The Department of Education can be reached at ###-###-####In addition, on Jul 22, 2015, EOS [redacted] conducted a search on the Department of Defense database in order to confirm the borrower’s active duty status and found that the borrower had not been listed as being active If the borrower can provide supporting documentation related to being in the military, we will investigate this matter further The borrower’s account has been moved to one of our Special Assistance Unit Managers Her name is Jenna Keohane and she can be reached at ###-###-#### ext***She will be happy to work with the borrower regarding the missing documents and assist her in getting enrolled into the rehabilitation program The US Department of Education website, www.myeddebt.com , is also a resource that you may utilize to learn more about your loans and the programs that are available to assist youThis response is for your recordsA copy of this response will also be sent to our client, the U.SDepartment of Education Sincerely,EOS [redacted] Consumer Relations Department
The issue is that there was an additional late payment added to my credit report from EOS CCA after the account was settledI spoke to a representative from EOS CCA and said that he saw that the account was paid off but they still had the account in "open" statusI would like the late payment added after my account balance was settled to be removed from my credit report Regards, [redacted]
Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below [I do not accept that the supporting documents I submitted in March are illegibleI believe my account has been purposely kept in waiting for acceptance in the loan program so the company can continue to profit from handling feesAs you can see the fax that was submitted with this original complaint shows it was successful and good transmissionI am not happy with the service this loan company provides I have been doing everything I can possibly do to attempt to fix this loan and be in good standing, that is more than most of the American society is attempting to doI am frustrated that the mis-filing of paperwork has now cost me thousands of dollarsHere is an example of how big this problem is and how it has continued by misfiling paperwork and providing answers of both applications were either missing information or not legible? [redacted] [redacted] Regards, [redacted]
May 12, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Inc Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received Ms [redacted] ***’s complaint in regards to the above referenced accountWe have reviewed the information provided and our findings are set forth belowOur client, [redacted] Incplaced the above referenced account with our office for collections on 04/13/We have received Ms***’s correspondence regarding the returned equipment and as part of our reasonable investigation, we have sent this information to our client for review and to adjust their records accordinglyAs a result, the account has since been closed in our systems and returned to [redacted] Incper their request and our office will no longer contact Ms [redacted] regarding this matterIf you have any questions or concerns, please contact our Consumer Relations Department at 1- [redacted] for additional assistance Sincerely, EOS CCA Consumer Relations Department
October 2, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of Ms [redacted] ’s complaint regarding the above referenced accountWe have reviewed the information provided and our findings are set forth belowOur client, [redacted] ***, placed the above referenced account with our office on 03/20/ Our records indicate that as of 08/21/2017, the account was closed and returned to [redacted] ***, as settled in full due to Ms [redacted] ’s payment of $Please be advised that once the balance in our office is resolved, the credit bureaus will be provided with an update to reflect the appropriate paid status to ensure that this matter is reporting accuratelyThe account has been documented accordingly and remains closed with our office and is currently reporting to the credit bureaus as ‘settled in full’If you have any questions or concerns, please contact our Consumer Relations Department at 1- [redacted] for additional assistance Sincerely, EOS CCA Consumer Relations Department
August 5, 2015 RE: Complaint ID: [redacted] | [redacted] | EOS [redacted] #: **- [redacted] Original Creditor: U.S. Department of Education | Creditor Account #: [redacted] Dear BBB: We recently received the rejection statement for the above referenced BBB complaint from Ms. [redacted] , regarding her defaulted student loan with the U.S. Department of Education (ED). The rejection statement states that the borrower does not accept that the supporting documents submitted in March were illegible, she is frustrated that her paperwork was misfiled which has cost her thousands of dollars and the borrower also stated that she believes her account is being kept purposefully in an attempt to profit from handling fees. EOS [redacted] takes complaints of this nature seriously and we regret that the borrower was dissatisfied with our response. According to our records, the borrower’s account was placed with our agency for collections on 6/22/14 and the balance on the account was $3923.19. The borrower has had a total of $901.00 applied to her defaulted loan of which 10 payments were voluntary in the amount of $5 each. In addition, an involuntary Treasury Offset Payment (TOP) in the amount of $851.00 was applied and the total amount due as of today is $2922.79. The borrower has been certified for TOP by the Department of Education since 2012 and once an account becomes certified for an offset, that account will remain certified until the account is out of default, or inactivated as legally required by law (e.g. active bankruptcies). The supporting documents faxed to our agency on March 24, 2015 were properly filed; however, due to the poor quality of the fax images we were not able to enroll the borrower into the rehabilitation program. We have mailed a copy of the fax to the borrower’s mailing address in order to illustrate how the March 24th fax transmission was received. This is a client requirement and not ours. The client will not fund the rehabilitation with illegible documentation. At the present time, we are unable to submit the borrower’s account for rehabilitation until we receive the required missing documents per the Financial Disclosure for Reasonable and Affordable Rehabilitation Payment guidelines. In an attempt to assist the borrower, we have mailed a new Financial Disclosure for Reasonable and Affordable Rehabilitation Payment and to provide further clarification on the paperwork that is required, the following supporting documents are needed in order to successfully enroll the borrower in the rehabilitation program: Section 1: Borrower Identification You can use a P.O. Box as your mailing address; however, you would need to supply the zip code for your physical address as the calculation is based off your county. Section 2: Household Income and Reasonable and Necessary Monthly Expenses · Your employment income o Signed copy of your Federal 1040 tax return for the most recent tax year (both pages) or a tax transcript form provided by the IRS o Or, copies of your two (2) most recent pay stubs (they must be dated within the past 90 days) o Or, if you are self-employed, provide either the most recent 1040 tax return or 1040-ES worksheet. · Other Income o Any documentation showing the source and amount · Line 13: Necessary medical and dental – The borrower claimed $4200.00 is in collections; however, this line item pertains to the amount that is being paid per month o This is not required if you spend less than $60/mo per person in your family. If you spend more than that, provide proof of what you actually spend out of pocket on co-payments for prescription drugs, doctor visits, and other medical needs: cancelled checks and/or receipts. Statements, etc. Providing only a bill showing the amount owed is not acceptable. · Line 15: Transportation –The borrower claimed $1292 a month o Please provide a written statement indicating the number of cars that you own. For example: I _____ am responsible for # of vehicle(s). · Line 18: Federal student loan payments – you claimed $44.00 a month o Current billing statement (less than 90 days) § The proof that you sent is an account summary and not a billing statement. A billing statement will show a recent payment history as well as monthly minimum amount due. · Line 19: Private Student Loan Payments – you claimed $1200.00 GI Bill Debt o Current billing statement (less than 90 days) § We did not receive any proof of this debt. Please supply proof of monthly payments being made. Please note that the above are all requirements of our client, not EOS [redacted] and are related to proper compliance with Federal Regulations and Administrative Rules for compliance. Please have the borrower contact me directly as I look forward to further assisting her with any questions or concerns and the completion of her rehabilitation program. I am confident that we will be able to help her expedite a resolution for the borrower. My name is [redacted] and I can be reached at ###-###-####.
August 24, 2015 Re: BBB Case #: [redacted] - [redacted] EOS CCA #: [redacted] * Original Creditor: [redacted] ... Creditor Account #: [redacted] Dear BBB: EOS CCA has received [redacted] ’s dispute in regards to the above referenced account. As part of our reasonable investigation, we sent our client, [redacted] ***, a request to obtain itemized bills to validate the total charges placed with our agency for collections. These statements have been obtained and as such we have mailed this information to [redacted] ’s address of record to review. The statements we have been provided are in reference to the final bill for gas and electric services thru 11/02/2012. The service address associated with the abvove account was: [redacted] and our records indicate that the last payment made on the account was on 12/28/2012 in the amount of $450.00. On 03/30/2015, the residual balance of $2149.33 was placed with our office for collections and has since become due. The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the information. If you have any questions, please contact our Consumer Relations Hotline at 1- [redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
September 11, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] Wireless| Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of [redacted] ’s complaint in regards to the above accountWe have notated the account accordingly and have placed it into a pending fraud status to cease collection activity while this matter is being investigatedAs a result and as part of our reasonable investigation; we have requested a fraud packet be mailed to Ms [redacted] ’s address of record to be completed and returned to our office for further review In addition, a request to delete the above referenced account’s information has been submitted to the credit bureausPlease allow the credit bureaus up to days to process the request The account remains in a pending fraud status that will cease communications which will allow time for Ms [redacted] to receive and review the requested informationIf you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for additional assistance Sincerely, EOS CCA Consumer Relations Department
February 7, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] Original Creditor: [redacted] - [redacted] | Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of [redacted] ***’s complaint in regards to the above accountWe have reviewed the information provided and our findings are set forth belowOur client, [redacted] - [redacted] ***, placed the above referenced account with our office on 02/26/The account has since been closed and returned to our client as of 10/29/2017, and as such, our office has not contacted Ms [redacted] any furtherFor further assistance, Ms [redacted] will need to contact [redacted] directly for additonal information regarding her account and the status of her adminstrative wage garnishmentWe have notated the account accordingly and if you have any questions or concerns, please contact our Consumer Relations Department at [redacted] , for additional assistance Sincerely, EOS CCA Consumer Relations Department
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
I have no dealings or business with this company nor have I ever heard of them, the account in question has been resolved with the Original Creditor Confirmation # *** I would like, no I demand that EOS CCA be removed from my credit report (*** and ***) immediately as they have no legality to do so.
Regards,
*** ***
March 31, Re: *** ** *** * *** ***
*** *** ** *** * ***
*** *** *** *** ***
*** *** ** *** * *** Dear Revdex.com: EOS CCA is in receipt of *** *** rebuttal regarding the above referenced matterPlease be advised the information forwarded was sent to the address of record: *** *** *** ***
*** ** *** The account remains open with our office in a temporary status that will cease communications which will allow time for Mr*** to receive and review the informationIf Mr*** has further questions, please advise him to contact our Consumer Relations Department at *** for additional assistanceSincerely, EOS CCA Consumer Relations Department
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below. I need this letter in hard copy because I cannot print this message I am using my phone I don't have a printer and I don't have a computer please have EOS to send this message to my home address thank you *** ***
Regards,
*** ***
April 7, Re: Revdex.com Complaint #:*** - *** *** EOS CCA #: *** | ** *** *** Original Creditor: *** *** | Creditor Account #: *** Dear Revdex.com: EOS CCA is in receipt of *** ***’s response in regards to the above referenced accountWe have investigated this matter and our findings are set forth below Please be advised our client, ** *** ***, placed the above referenced account with our office on 03/16/The account has since been closed in our system as well as in ** *** ***’s system, as of and as such, our office has not contacted Ms*** any further If you or Ms*** should have any questions or concerns, please contact our Consumer Relations Department at ***, for additional assistance Sincerely, EOS CCA Consumer Relations Department
Revdex.com:
As I have stated previously, I am not an owner nor a co-signer for this account and accept that they will cease and desist all forms of communications.I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
October 12, Re: Revdex.com Case #: [redacted] – [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted] ’s dispute regarding the above referenced accountIn our original response to the issues mentioned in the dispute, EOS CCA provided Mr [redacted] an itemized statement from our client, [redacted] **, which is the original creditor on his accountThe statement was for services dated from 11/20/and show that the balance of $1,and has been due since 11/20/ This statement came directly from our client, and is the same statement that our client would have provided to Mr [redacted] at the time of serviceIn addition, the statement EOS CCA provided to Mr [redacted] reflects that his insurance company was also charged for a portion of the balanceIf possible, Mr [redacted] should contact his insurance company regarding this balance to further confirm the validity of this claimThe account remains open with our office in a temporary status that will cease communications which will allow time for Mr [redacted] to receive and review the informationIf you have any questions or concerns, please contact our Consumer Relations Department at [redacted] Sincerely, EOS CCA Consumer Relations Department
As stated, I never received any itemized breakdown of charges from EOC-CCAFurthermore, [redacted] has mailed me confirmation that they have no record of any agreement of a reduced paymentAs such, and based on on going and incessant phone calls, I was advised to start recording callsI have logged over ten calls in the past week alone and will be pursuing litigation based on [redacted] Federal Law which protects consumers from phone calls at inconvenient and unusual places, one of which is workEOC-CCA continues to call me on my work phone even though they have been notified in writing not to do soPlease be advised that you can take up the confusion about a reduced payment with [redacted] and that proceedingly, you can contact my Attorney, [redacted] at [redacted] in [redacted] MassachusettsThank you for your attention to this matter
January 14, Re: Revdex.com Compliant #: [redacted] – [redacted] # [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of the complaint in regard to [redacted] ***’s above referenced accountAs previously stated in our initial response to the Revdex.com complaint received on 12/07/, our client, [redacted] , placed the above referenced account with our office on 08/13/The account has since been closed in our system as well as in [redacted] ’s system, and as such, our office will not contact Mr [redacted] any furtherWe have notified the credit bureaus to delete the above referenced account from their recordsIf you have any questions, please contact our Consumer Relations Hotline at [redacted] for additional assistance Sincerely, EOS CCA Consumer Relations Department
This company repeatedly misses the pointThey are reporting wrong dates to the credit bureau, they are listing this as a March account were they readily admit it should be October 2011, they have never mailed any bills or a dunning notice to my address, yet they have no problem adding it to my credit reportThis is against the FDCPA rulesThey are in violation of these rulesI'd you violate the rules, you need to remove the account from my report Regards, [redacted] ***
June 12, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | US Asset Management Original Creditor: [redacted] | Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received [redacted] ’s disputeAs part of our reasonable investigation, we have sent our client a request to obtain an itemized bill in an effort to validate the total charges placed with our agency for collections This information has been obtained and forwarded to [redacted] ’s address of record , [redacted] for review The Itemized Statements from [redacted] which is the original creditor on [redacted] ’s account are dated from 12/05/through 04/04/and show that the balance of $has been due since 4/26/Since the account has been in our office, it has accrued fees, the balance now due is $ The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the informationIf you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for further assistance Sincerely, EOS CCA Consumer Relations Department
July 24, RE: Complaint ID: [redacted] | [redacted] | EOS [redacted] #: **- [redacted] Original Creditor: U.SDepartment of Education | Creditor Account #: [redacted] Dear Revdex.com: We recently received the above referenced Revdex.com complaint from Ms [redacted] , regarding her defaulted student loan with the U.SDepartment of Education (ED) The complaint alleges that the borrower has faxed her application and financial documents in order to enter into the rehabilitation program; however, the PCA continues to inform the borrower that they have not received the paperwork The borrower also stated that her interest rate was not reduced while she was deployed in 2010.EOS [redacted] takes complaints of this nature very seriously and we regret that the borrower is dissatisfied with the manner in which the account is being administered EOS [redacted] has investigated the borrower’s complaint and our conclusions are set forth belowOur review shows that during a conversation on 10/20/14, the PCA rep offered the borrower the rehabilitation program based off of a preliminary financial profile Our representative properly informed the borrower of all necessary documents that would need to be sent to our agency in order to confirm the preliminary rehabilitation quote and on the following, day the PCA received partial documents from the borrower The borrower’s fax included a cover sheet, the borrower’s Financial Income Statement application and a handwritten breakdown of all monthly expenses The borrower did not submit proof of income, proof of necessary insurance or student loan payments that she claimed on the application EOS [redacted] made numerous attempts to inform the borrower of the missing documents; however, all attempts were unsuccessful until 3/5/ On 3/5/15, we contacted the borrower and informed the borrower of the missing documents that were needed in order to get her enrolled into the rehabilitation program Our agency received additional documents from the borrower on 3/25/15; however, the copies were illegible EOS [redacted] attempted to contact the borrower; however, all attempts have been unsuccessfulIn regards to the interest, the Private Collection Agency does not have anything to do with the accrual of interest; therefore, if the borrower believes that the interest should have ceased at the time of her deployment, she should contact the Department of Education regarding that issue The Department of Education can be reached at ###-###-####In addition, on Jul 22, 2015, EOS [redacted] conducted a search on the Department of Defense database in order to confirm the borrower’s active duty status and found that the borrower had not been listed as being active If the borrower can provide supporting documentation related to being in the military, we will investigate this matter further The borrower’s account has been moved to one of our Special Assistance Unit Managers Her name is Jenna Keohane and she can be reached at ###-###-#### ext***She will be happy to work with the borrower regarding the missing documents and assist her in getting enrolled into the rehabilitation program The US Department of Education website, www.myeddebt.com , is also a resource that you may utilize to learn more about your loans and the programs that are available to assist youThis response is for your recordsA copy of this response will also be sent to our client, the U.SDepartment of Education Sincerely,EOS [redacted] Consumer Relations Department
The issue is that there was an additional late payment added to my credit report from EOS CCA after the account was settledI spoke to a representative from EOS CCA and said that he saw that the account was paid off but they still had the account in "open" statusI would like the late payment added after my account balance was settled to be removed from my credit report Regards, [redacted]
Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below [I do not accept that the supporting documents I submitted in March are illegibleI believe my account has been purposely kept in waiting for acceptance in the loan program so the company can continue to profit from handling feesAs you can see the fax that was submitted with this original complaint shows it was successful and good transmissionI am not happy with the service this loan company provides I have been doing everything I can possibly do to attempt to fix this loan and be in good standing, that is more than most of the American society is attempting to doI am frustrated that the mis-filing of paperwork has now cost me thousands of dollarsHere is an example of how big this problem is and how it has continued by misfiling paperwork and providing answers of both applications were either missing information or not legible? [redacted] [redacted] Regards, [redacted]
May 12, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Inc Creditor Account #: [redacted] Dear Revdex.com: EOS CCA has received Ms [redacted] ***’s complaint in regards to the above referenced accountWe have reviewed the information provided and our findings are set forth belowOur client, [redacted] Incplaced the above referenced account with our office for collections on 04/13/We have received Ms***’s correspondence regarding the returned equipment and as part of our reasonable investigation, we have sent this information to our client for review and to adjust their records accordinglyAs a result, the account has since been closed in our systems and returned to [redacted] Incper their request and our office will no longer contact Ms [redacted] regarding this matterIf you have any questions or concerns, please contact our Consumer Relations Department at 1- [redacted] for additional assistance Sincerely, EOS CCA Consumer Relations Department
October 2, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | Original Creditor: [redacted] Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of Ms [redacted] ’s complaint regarding the above referenced accountWe have reviewed the information provided and our findings are set forth belowOur client, [redacted] ***, placed the above referenced account with our office on 03/20/ Our records indicate that as of 08/21/2017, the account was closed and returned to [redacted] ***, as settled in full due to Ms [redacted] ’s payment of $Please be advised that once the balance in our office is resolved, the credit bureaus will be provided with an update to reflect the appropriate paid status to ensure that this matter is reporting accuratelyThe account has been documented accordingly and remains closed with our office and is currently reporting to the credit bureaus as ‘settled in full’If you have any questions or concerns, please contact our Consumer Relations Department at 1- [redacted] for additional assistance Sincerely, EOS CCA Consumer Relations Department
August 5, 2015 RE: Complaint ID: [redacted] | [redacted] | EOS [redacted] #: **- [redacted] Original Creditor: U.S. Department of Education | Creditor Account #: [redacted] Dear BBB: We recently received the rejection statement for the above referenced BBB complaint from Ms. [redacted] , regarding her defaulted student loan with the U.S. Department of Education (ED). The rejection statement states that the borrower does not accept that the supporting documents submitted in March were illegible, she is frustrated that her paperwork was misfiled which has cost her thousands of dollars and the borrower also stated that she believes her account is being kept purposefully in an attempt to profit from handling fees. EOS [redacted] takes complaints of this nature seriously and we regret that the borrower was dissatisfied with our response. According to our records, the borrower’s account was placed with our agency for collections on 6/22/14 and the balance on the account was $3923.19. The borrower has had a total of $901.00 applied to her defaulted loan of which 10 payments were voluntary in the amount of $5 each. In addition, an involuntary Treasury Offset Payment (TOP) in the amount of $851.00 was applied and the total amount due as of today is $2922.79. The borrower has been certified for TOP by the Department of Education since 2012 and once an account becomes certified for an offset, that account will remain certified until the account is out of default, or inactivated as legally required by law (e.g. active bankruptcies). The supporting documents faxed to our agency on March 24, 2015 were properly filed; however, due to the poor quality of the fax images we were not able to enroll the borrower into the rehabilitation program. We have mailed a copy of the fax to the borrower’s mailing address in order to illustrate how the March 24th fax transmission was received. This is a client requirement and not ours. The client will not fund the rehabilitation with illegible documentation. At the present time, we are unable to submit the borrower’s account for rehabilitation until we receive the required missing documents per the Financial Disclosure for Reasonable and Affordable Rehabilitation Payment guidelines. In an attempt to assist the borrower, we have mailed a new Financial Disclosure for Reasonable and Affordable Rehabilitation Payment and to provide further clarification on the paperwork that is required, the following supporting documents are needed in order to successfully enroll the borrower in the rehabilitation program: Section 1: Borrower Identification You can use a P.O. Box as your mailing address; however, you would need to supply the zip code for your physical address as the calculation is based off your county. Section 2: Household Income and Reasonable and Necessary Monthly Expenses · Your employment income o Signed copy of your Federal 1040 tax return for the most recent tax year (both pages) or a tax transcript form provided by the IRS o Or, copies of your two (2) most recent pay stubs (they must be dated within the past 90 days) o Or, if you are self-employed, provide either the most recent 1040 tax return or 1040-ES worksheet. · Other Income o Any documentation showing the source and amount · Line 13: Necessary medical and dental – The borrower claimed $4200.00 is in collections; however, this line item pertains to the amount that is being paid per month o This is not required if you spend less than $60/mo per person in your family. If you spend more than that, provide proof of what you actually spend out of pocket on co-payments for prescription drugs, doctor visits, and other medical needs: cancelled checks and/or receipts. Statements, etc. Providing only a bill showing the amount owed is not acceptable. · Line 15: Transportation –The borrower claimed $1292 a month o Please provide a written statement indicating the number of cars that you own. For example: I _____ am responsible for # of vehicle(s). · Line 18: Federal student loan payments – you claimed $44.00 a month o Current billing statement (less than 90 days) § The proof that you sent is an account summary and not a billing statement. A billing statement will show a recent payment history as well as monthly minimum amount due. · Line 19: Private Student Loan Payments – you claimed $1200.00 GI Bill Debt o Current billing statement (less than 90 days) § We did not receive any proof of this debt. Please supply proof of monthly payments being made. Please note that the above are all requirements of our client, not EOS [redacted] and are related to proper compliance with Federal Regulations and Administrative Rules for compliance. Please have the borrower contact me directly as I look forward to further assisting her with any questions or concerns and the completion of her rehabilitation program. I am confident that we will be able to help her expedite a resolution for the borrower. My name is [redacted] and I can be reached at ###-###-####.
August 24, 2015 Re: BBB Case #: [redacted] - [redacted] EOS CCA #: [redacted] * Original Creditor: [redacted] ... Creditor Account #: [redacted] Dear BBB: EOS CCA has received [redacted] ’s dispute in regards to the above referenced account. As part of our reasonable investigation, we sent our client, [redacted] ***, a request to obtain itemized bills to validate the total charges placed with our agency for collections. These statements have been obtained and as such we have mailed this information to [redacted] ’s address of record to review. The statements we have been provided are in reference to the final bill for gas and electric services thru 11/02/2012. The service address associated with the abvove account was: [redacted] and our records indicate that the last payment made on the account was on 12/28/2012 in the amount of $450.00. On 03/30/2015, the residual balance of $2149.33 was placed with our office for collections and has since become due. The account remains open with our office in a temporary status that will cease communications which will allow time for [redacted] to receive and review the information. If you have any questions, please contact our Consumer Relations Hotline at 1- [redacted] for additional assistance. Sincerely, EOS CCA Consumer Relations Department
September 11, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] | [redacted] Original Creditor: [redacted] Wireless| Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of [redacted] ’s complaint in regards to the above accountWe have notated the account accordingly and have placed it into a pending fraud status to cease collection activity while this matter is being investigatedAs a result and as part of our reasonable investigation; we have requested a fraud packet be mailed to Ms [redacted] ’s address of record to be completed and returned to our office for further review In addition, a request to delete the above referenced account’s information has been submitted to the credit bureausPlease allow the credit bureaus up to days to process the request The account remains in a pending fraud status that will cease communications which will allow time for Ms [redacted] to receive and review the requested informationIf you have any questions or concerns, please contact our Consumer Relations Department at ###-###-#### for additional assistance Sincerely, EOS CCA Consumer Relations Department
February 7, Re: Revdex.com Case #: [redacted] - [redacted] EOS CCA #: [redacted] Original Creditor: [redacted] - [redacted] | Creditor Account #: [redacted] Dear Revdex.com: EOS CCA is in receipt of [redacted] ***’s complaint in regards to the above accountWe have reviewed the information provided and our findings are set forth belowOur client, [redacted] - [redacted] ***, placed the above referenced account with our office on 02/26/The account has since been closed and returned to our client as of 10/29/2017, and as such, our office has not contacted Ms [redacted] any furtherFor further assistance, Ms [redacted] will need to contact [redacted] directly for additonal information regarding her account and the status of her adminstrative wage garnishmentWe have notated the account accordingly and if you have any questions or concerns, please contact our Consumer Relations Department at [redacted] , for additional assistance Sincerely, EOS CCA Consumer Relations Department
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
I have no dealings or business with this company nor have I ever heard of them, the account in question has been resolved with the Original Creditor Confirmation # *** I would like, no I demand that EOS CCA be removed from my credit report (*** and ***) immediately as they have no legality to do so.
Regards,
*** ***
March 31, Re: *** ** *** * *** ***
*** *** ** *** * ***
*** *** *** *** ***
*** *** ** *** * *** Dear Revdex.com: EOS CCA is in receipt of *** *** rebuttal regarding the above referenced matterPlease be advised the information forwarded was sent to the address of record: *** *** *** ***
*** ** *** The account remains open with our office in a temporary status that will cease communications which will allow time for Mr*** to receive and review the informationIf Mr*** has further questions, please advise him to contact our Consumer Relations Department at *** for additional assistanceSincerely, EOS CCA Consumer Relations Department
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below. I need this letter in hard copy because I cannot print this message I am using my phone I don't have a printer and I don't have a computer please have EOS to send this message to my home address thank you *** ***
Regards,
*** ***
April 7, Re: Revdex.com Complaint #:*** - *** *** EOS CCA #: *** | ** *** *** Original Creditor: *** *** | Creditor Account #: *** Dear Revdex.com: EOS CCA is in receipt of *** ***’s response in regards to the above referenced accountWe have investigated this matter and our findings are set forth below Please be advised our client, ** *** ***, placed the above referenced account with our office on 03/16/The account has since been closed in our system as well as in ** *** ***’s system, as of and as such, our office has not contacted Ms*** any further If you or Ms*** should have any questions or concerns, please contact our Consumer Relations Department at ***, for additional assistance Sincerely, EOS CCA Consumer Relations Department
Revdex.com:
As I have stated previously, I am not an owner nor a co-signer for this account and accept that they will cease and desist all forms of communications.I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***