Records indicate MsJones made contact with *** *** on December **, who arranged contact with a billing representative to address his billing concerns. Upon review, the representative informed *** *** the rate of $resulted from a systems error which retained the expiring discount. The representative informed *** *** that Verizon would honor the rate of $from September through February 2016; however, the remaining contract will be $less a $recurring credit through the end of the contract ($74.99)Additionally, the representative informed *** *** of the data speed 25/and confirmed credit of $was applied on September **, for the shipping and handling fee. Per MrPohren's request, the representative sent an email outlining the credits issued to correct the October, November and December invoices; total credit issue to right-size the billing was $125.00. *** *** had no further concerns
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Verizon keeps changing my order without my permission or speaking to me firstThey rather argue then solve the problemBeen speaking to MarleneShe put the burden on me to prove what Verizon reps have said to meIf it not in the notes then somehow I'm being untruthful
Very dissatisfied that I'm getting this service at the exceutive level also her and I had a discussion about Verizon changing my order without speaking to meShe said it doesn't happen, I have to agreeThe last days she changed my order without my permission
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Initial Business Response /* (1000, 6, 2015/04/21) */
CONFIDENTIAL COMMUNICATION
April 20,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #:
***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account
Ms*** states that Fingerhut refuses to report her credit account as included in bankruptcy and her desired resolution is to have it updated
According to our records, Ms***'s WebBank/Fingerhut credit account was sold to *** Systems on July 30,
According to public record, Ms*** did not file bankruptcy until January 9,
Equifax and Experian are reporting accurately as Transfer/Sold with a zero balanceWe cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***'s Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
If Ms*** has questions regarding what *** is reporting to the bureaus, they can be contacted directly at ***
Thank you for allow us to explain
Sincerely,
***
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 8, 2015/04/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once a creditor previous or current is made aware of a chapter filing, you can no longer report the debt as a charge off or a past due amountThe account is included in the bankruptcy and needs to be reported as suchI will also be referring this to the Federal Trade Commission.While creditors are required to charge-off bankrupted debts for their internal accounting, they are NOT supposed to report that charge-off to the credit bureaus
Any IIB( Included In Bankruptcy ) tradeline that is not reporting properly, I must dispute first with the credit bureausSince it comes back as 'verified', then I am disputing it directly with the FURNISHER of the information as is your right under FACTASince they refuse to remove the negative entries on a discharged debt, then you are going to have to go forward and I MUST now consider the possibility that the failure to update the tradeline for the account under the bankruptcy case for a Contempt action against the furnisher
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF YOUR DISCHARGE !
There is case law to support thisThe case is Goodfellow vsDiscover Financial Services and you can read that case here:
http://207.41.19.195...ings=Goodfellow
Also- ontinuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code, says the U.SBankruptcy Court for the Middle District of Florida
The case? In re Fox, 3:05-bk-(BankrM.D.Fl)Here, the court relied heavily on two of my cases, Russell v Chase Bank USA, NA (In re Russell), BR (BankrEDNY 2007) and Torres vChase Bank USA, NA (In re Torres), BR (BankrSDNY 2007), for the propositions that
when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it imp
Final Business Response /* (4000, 14, 2015/05/11) */
CONFIDENTIAL COMMUNICATION
May 7,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
I am writing in response to a follinquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account
Ms*** states that Fingerhut refuses to report her credit account as included in bankruptcy and her desired resolution is to have it updated
Our records indicate that Ms***'s WebBank/Fingerhut credit account charged off on May 1, with an unpaid balance of $The account was sold to *** on July 30,
As stated in our previous responses to Ms***, public record indicates Ms*** did not file bankruptcy until January As Ms***'s account was sold to *** prior to her filing for Bankruptcy, Fingerhut is no longer in ownership of this account and is not included in the Bankruptcy
Fingerhut last reported Ms***'s account on August 1, Monthly reporting and all collections efforts have ceased through Fingerhut after Ms***'s account was sold
Equifax and Experian are reporting accurately as Transfer/Sold with a zero balanceWe cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***'s Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
As we are unable to assist Ms*** any further, we have forwarded Ms***'s concerns to *** as they are the owners of the accountIf Ms*** has questions regarding what *** is reporting to the bureaus, they can be contacted directly at ***
At this time, we consider the matter closed
Thank you for allow us to explain
Sincerely,
***
Executive Care Team
VF/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolion is satisfactory to me. Executive Relations Supervisor was very kind and considerate in taking care of my situationsIf I knew of this department, I would contacted them firstI appreciate his promptness and fine with this outcome THANK YOU
According to records *** *** renewed her Verizon contract in December Prior to renewing the contract *** *** was receiving a $discount on the prior contract which expired in January When she renewed the contract that $discount remained on the account with the
January expiration dateA Verizon representative spoke with *** *** on 10/**/The representative apologized to *** *** for any frustration caused by the billing issueThe representative informed *** *** that he will make sure the $discount continues until the end of his contract 01/**/19. The representative explained to that in order to make this change he needs to cancel his pending port out order with the other provider*** *** accepted the offer and said he will get the port out order canceled and call back
Several attempts were made to reach the customer without success and a call me letter was mailed. In the interim, a review the account in question (***) reflects the customer was billed correctly according to the Service Order Confirmation. *** ***s base price is $plus taxes, surcharges and one time charges first bill estimate was $136.76. The account has been disconnected and it appears the Early Termination Fee was waived, however the customer has been charged for the equipment and set up fees
On 6/*/15, the company spoke with the customer regarding her billCredits have been applied and the customer was advised her bill should be about $The customer was satisfied
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***
Companyrecords reflect that the customer’s May **, bill, page 3, reflectsone-time activity of Boxing Mayweather vs Pacquiao HD 6:PM for $99.99. The customer has disputed ordering thisevent/show and denied the charges. Today, June **, 2015, *** *** again contacted Verizon to
contest thecharge. The Verizon representativeadvised *** *** that our records reflect the event was ordered via InteractiveMedia Guide which is the Remote Control. The representative nevertheless issued a one-time courtesy of $112.62. The representative also suggested setting upparental control PIN to avoid future mishaps and an electronic email forparental control instructions was sent to the customer today, June **,2015. Tell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Verizon has not agreed to terms proposedThis case is UNRESOLVED]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Please be advised we have contacted CMR and the invoice for $has been adjustedI spoke to *** *** to provide this information today and he is satisfied We trust this provides your office with the information required in this matter Thank you, MsM*** SrAnalyst
Verizon Executive Relations
The company made repairs in the central office to address the customer’s internet issuesAs of 5/**/16, the customer advised they saw internet improvementThe company continued to monitor the service and messages were left on 5/**/and again on 6/*/to verify resolutionThe customer has been
provided contact information for additional concerns
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
My complaint was I was still being billed for services I was not receding had nothing to do with a good will paymentYou cannot charge someone for services you don't provideMy restricted phone service should not be toll free calling anywayAnd is is amount charged from January until now? Please advise
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Upon receipt of the complaint, a message was left with the customer to advise the issue was referred to the appropriate department to review and investigateOur system shows the service is in sync and all test are good. We ran a test in the switch in this
area which has 99% usage. We spoke with the customer's grandson who has been working with usIt was explained that the usage is causing congestion and the service is best effort at this timeWe do not have a time frame when relief will be done and we will be monitoring the issueHe was advised he will continue to have drops in the speed and serviceHe stated he understood
Verizon’s records show the customer’s service is part of a cable outage and technicians are working to repair and restore service in the cable. The cable is located in a manhole and the estimated clearing date is 12/**/for all service involved. Verizon is committed to resolving this
matter sooner than later. We have spoken with the customer about the issue and we will continue to keep the customer informedThe proper credit will be issued to the customer’s account once the service is restored
Upon receipt of the complaint, we spoke with the customer who advised they have an International Calling Plan with a different providerThe customer was advised the written notification was printed on the July bill statement under IMPORTANT about changes
to all Long Distance World PlansWe apologized for the inconvenience and any misunderstandingAt the customer's request, the World Plan was removed on September **,
We are unable to issue credit for any additional charges. The customer is being provided the services that she is being billed for. *** *** does have ourdirect number to contact in the case that she wants to review or make changes to our account
Please be advised Verizon did credit report the account in error. On January *, a request was made to delete the account from *** *** credits report. He was emailed a letter to confirm the deletion request. Verizon checked the credit bureaus January **, and confirmed the accounts are no longer on the reports. We trust this provides your office with the information required in this matterThank you, MsM*** SrAnalyst Verizon Executive Relations
Please be advised, *** *** and *** *** from Verizon's Executive Relations team is continuing to work with the customer to resolved the billing complaint. To date, a resolution has not been reached; however, *** *** and *** *** will remain in contact with the customer through to
resolution. Verizon will update the Revdex.com on it's final position once a resolution is reached
Upon review of the customer's credit history, a credit of $was issued for days of reported internet service issues. Verizon will not issue months credits; as the trouble history does not warrant. Additionally, there are no reports of telephone service issues, as a
result, credit will not be issued
Records indicate MsJones made contact with *** *** on December **, who arranged contact with a billing representative to address his billing concerns. Upon review, the representative informed *** *** the rate of $resulted from a systems error which retained the expiring discount. The representative informed *** *** that Verizon would honor the rate of $from September through February 2016; however, the remaining contract will be $less a $recurring credit through the end of the contract ($74.99)Additionally, the representative informed *** *** of the data speed 25/and confirmed credit of $was applied on September **, for the shipping and handling fee. Per MrPohren's request, the representative sent an email outlining the credits issued to correct the October, November and December invoices; total credit issue to right-size the billing was $125.00. *** *** had no further concerns
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Verizon keeps changing my order without my permission or speaking to me firstThey rather argue then solve the problemBeen speaking to MarleneShe put the burden on me to prove what Verizon reps have said to meIf it not in the notes then somehow I'm being untruthful
Very dissatisfied that I'm getting this service at the exceutive level also her and I had a discussion about Verizon changing my order without speaking to meShe said it doesn't happen, I have to agreeThe last days she changed my order without my permission
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Initial Business Response /* (1000, 6, 2015/04/21) */
CONFIDENTIAL COMMUNICATION
April 20,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #:
***
Dear Ms***,
I am writing in response to an inquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account
Ms*** states that Fingerhut refuses to report her credit account as included in bankruptcy and her desired resolution is to have it updated
According to our records, Ms***'s WebBank/Fingerhut credit account was sold to *** Systems on July 30,
According to public record, Ms*** did not file bankruptcy until January 9,
Equifax and Experian are reporting accurately as Transfer/Sold with a zero balanceWe cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***'s Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
If Ms*** has questions regarding what *** is reporting to the bureaus, they can be contacted directly at ***
Thank you for allow us to explain
Sincerely,
***
Executive Care Team
VF/lg
Initial Consumer Rebuttal /* (3000, 8, 2015/04/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once a creditor previous or current is made aware of a chapter filing, you can no longer report the debt as a charge off or a past due amountThe account is included in the bankruptcy and needs to be reported as suchI will also be referring this to the Federal Trade Commission.While creditors are required to charge-off bankrupted debts for their internal accounting, they are NOT supposed to report that charge-off to the credit bureaus
Any IIB( Included In Bankruptcy ) tradeline that is not reporting properly, I must dispute first with the credit bureausSince it comes back as 'verified', then I am disputing it directly with the FURNISHER of the information as is your right under FACTASince they refuse to remove the negative entries on a discharged debt, then you are going to have to go forward and I MUST now consider the possibility that the failure to update the tradeline for the account under the bankruptcy case for a Contempt action against the furnisher
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF YOUR DISCHARGE !
There is case law to support thisThe case is Goodfellow vsDiscover Financial Services and you can read that case here:
http://207.41.19.195...ings=Goodfellow
Also- ontinuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code, says the U.SBankruptcy Court for the Middle District of Florida
The case? In re Fox, 3:05-bk-(BankrM.D.Fl)Here, the court relied heavily on two of my cases, Russell v Chase Bank USA, NA (In re Russell), BR (BankrEDNY 2007) and Torres vChase Bank USA, NA (In re Torres), BR (BankrSDNY 2007), for the propositions that
when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it imp
Final Business Response /* (4000, 14, 2015/05/11) */
CONFIDENTIAL COMMUNICATION
May 7,
Revdex.com of Minnesota
Attn: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: Ms*** ***
Case #: ***
Dear Ms***,
I am writing in response to a follinquiry received from your office on behalf of Ms*** *** regarding her WebBank/Fingerhut Credit Account
Ms*** states that Fingerhut refuses to report her credit account as included in bankruptcy and her desired resolution is to have it updated
Our records indicate that Ms***'s WebBank/Fingerhut credit account charged off on May 1, with an unpaid balance of $The account was sold to *** on July 30,
As stated in our previous responses to Ms***, public record indicates Ms*** did not file bankruptcy until January As Ms***'s account was sold to *** prior to her filing for Bankruptcy, Fingerhut is no longer in ownership of this account and is not included in the Bankruptcy
Fingerhut last reported Ms***'s account on August 1, Monthly reporting and all collections efforts have ceased through Fingerhut after Ms***'s account was sold
Equifax and Experian are reporting accurately as Transfer/Sold with a zero balanceWe cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reportingPlease reference the Reporting and Monitoring section of our terms and conditions that was included in Ms***'s Welcome PacketIt states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well
As we are unable to assist Ms*** any further, we have forwarded Ms***'s concerns to *** as they are the owners of the accountIf Ms*** has questions regarding what *** is reporting to the bureaus, they can be contacted directly at ***
At this time, we consider the matter closed
Thank you for allow us to explain
Sincerely,
***
Executive Care Team
VF/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolion is satisfactory to me. Executive Relations Supervisor was very kind and considerate in taking care of my situationsIf I knew of this department, I would contacted them firstI appreciate his promptness and fine with this outcome THANK YOU
According to records *** *** renewed her Verizon contract in December Prior to renewing the contract *** *** was receiving a $discount on the prior contract which expired in January When she renewed the contract that $discount remained on the account with the
January expiration dateA Verizon representative spoke with *** *** on 10/**/The representative apologized to *** *** for any frustration caused by the billing issueThe representative informed *** *** that he will make sure the $discount continues until the end of his contract 01/**/19. The representative explained to that in order to make this change he needs to cancel his pending port out order with the other provider*** *** accepted the offer and said he will get the port out order canceled and call back
Several attempts were made to reach the customer without success and a call me letter was mailed. In the interim, a review the account in question (***) reflects the customer was billed correctly according to the Service Order Confirmation. *** ***s base price is $plus taxes, surcharges and one time charges first bill estimate was $136.76. The account has been disconnected and it appears the Early Termination Fee was waived, however the customer has been charged for the equipment and set up fees
On 6/*/15, the company spoke with the customer regarding her billCredits have been applied and the customer was advised her bill should be about $The customer was satisfied
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***
Companyrecords reflect that the customer’s May **, bill, page 3, reflectsone-time activity of Boxing Mayweather vs Pacquiao HD 6:PM for $99.99. The customer has disputed ordering thisevent/show and denied the charges. Today, June **, 2015, *** *** again contacted Verizon to
contest thecharge. The Verizon representativeadvised *** *** that our records reflect the event was ordered via InteractiveMedia Guide which is the Remote Control. The representative nevertheless issued a one-time courtesy of $112.62. The representative also suggested setting upparental control PIN to avoid future mishaps and an electronic email forparental control instructions was sent to the customer today, June **,2015. Tell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Verizon has not agreed to terms proposedThis case is UNRESOLVED]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Please be advised we have contacted CMR and the invoice for $has been adjustedI spoke to *** *** to provide this information today and he is satisfied We trust this provides your office with the information required in this matter Thank you, MsM*** SrAnalyst
Verizon Executive Relations
The company made repairs in the central office to address the customer’s internet issuesAs of 5/**/16, the customer advised they saw internet improvementThe company continued to monitor the service and messages were left on 5/**/and again on 6/*/to verify resolutionThe customer has been
provided contact information for additional concerns
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
My complaint was I was still being billed for services I was not receding had nothing to do with a good will paymentYou cannot charge someone for services you don't provideMy restricted phone service should not be toll free calling anywayAnd is is amount charged from January until now? Please advise
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
Upon receipt of the complaint, a message was left with the customer to advise the issue was referred to the appropriate department to review and investigateOur system shows the service is in sync and all test are good. We ran a test in the switch in this
area which has 99% usage. We spoke with the customer's grandson who has been working with usIt was explained that the usage is causing congestion and the service is best effort at this timeWe do not have a time frame when relief will be done and we will be monitoring the issueHe was advised he will continue to have drops in the speed and serviceHe stated he understood
Verizon’s records show the customer’s service is part of a cable outage and technicians are working to repair and restore service in the cable. The cable is located in a manhole and the estimated clearing date is 12/**/for all service involved. Verizon is committed to resolving this
matter sooner than later. We have spoken with the customer about the issue and we will continue to keep the customer informedThe proper credit will be issued to the customer’s account once the service is restored
Upon receipt of the complaint, we spoke with the customer who advised they have an International Calling Plan with a different providerThe customer was advised the written notification was printed on the July bill statement under IMPORTANT about changes
to all Long Distance World PlansWe apologized for the inconvenience and any misunderstandingAt the customer's request, the World Plan was removed on September **,
We are unable to issue credit for any additional charges. The customer is being provided the services that she is being billed for. *** *** does have ourdirect number to contact in the case that she wants to review or make changes to our account
Please be advised Verizon did credit report the account in error. On January *, a request was made to delete the account from *** *** credits report. He was emailed a letter to confirm the deletion request. Verizon checked the credit bureaus January **, and confirmed the accounts are no longer on the reports. We trust this provides your office with the information required in this matterThank you, MsM*** SrAnalyst Verizon Executive Relations
Please be advised, *** *** and *** *** from Verizon's Executive Relations team is continuing to work with the customer to resolved the billing complaint. To date, a resolution has not been reached; however, *** *** and *** *** will remain in contact with the customer through to
resolution. Verizon will update the Revdex.com on it's final position once a resolution is reached
Upon review of the customer's credit history, a credit of $was issued for days of reported internet service issues. Verizon will not issue months credits; as the trouble history does not warrant. Additionally, there are no reports of telephone service issues, as a
result, credit will not be issued