A Verizon technical support representative spoke with the customer on 11/*/and verified that the services had been connectedA Verizon billing representative spoke with the customer on 11/*/17, after the 11/*/bill was renderedThe representative agreed to adjust the bill in full, $
The representative also agreed to waive the monthly cost of HBO for monthsThe customer advised that all issues had been resolved
Good afternoon, I had a Verizon Representative contact the claimant and we have issued credit to the account for charges that were in errorAdditionally, she has placed an order to get the bundle price to match what they signed up forThe Representative will follow up with the claimant to ensure
the pricing is correct
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,
*** ***
*** *** *** Thank you for referring the complaint of *** *** to our office for review. We appreciate this matter being brought to our attention Our investigation concludes; records show *** *** subscribed to the FiOS Digital Voice (FDV)Triple Play Select HD with
75/Data for $114.99. The bundle rate does not include rental equipment, premium channels and applicable taxes and surcharges. Verizon representative has attempted to reach *** ***, however has been unsuccessfulWe will follow up with the customer in order to reach an amicable resolutionVerizon apologies for the inconvenience this has caused and trust that this information will assist you in closing this complaint Sincerely, John TVerizon SW Executive Relations ###-###-#### EXT ***
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
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
We issued credit for the disputed international calls as well as the monthly fee for the calling planWe spoke with the customer to review the credits issued and apologized for the problems
Verizon has been unsuccessful in attempts made to reach the customer on 7/*/15, 7/*/15, 7/*/15, 7/**/and 7/**/15. Messages have been left providing the customer with contact information and requesting a call back. No response has been received. A please call letter was sent on
7/**/15. Verizon will address the disputed charges when the customer responds.Joyce D***Verizon Executive Relations SrAnalyst?
Upon receipt of the complaintwe spoke with the customer on October *, 2016 and apologized for the inconvenienceThe customer's concerns were referred to the appropriate department to review and investigateOur representative spoke with *** *** and apologized for the
misinformationIt was verified the technician replaced the splitter and router and exchanged the equipment. The customer stated there was still an existing concern about the WiFi signal and the technician mentioned a Network Extender should resolve the issueThe representative ordered a network extender and will credit the customer's account the cost for the Network Extender which will appear on the next bill statementThe representative advised the customer the amount of the monthly bill statement effective with the next billOur Solution Center representative spoke with the customer on October **, and assisted with the WiFi concerns. HD. A message was left on the customer's answering machine on October ** with our contact information as a follow up
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 this complaint , we made attempts to contact customer leaving messages and he returned my calls but we haven't been able to speak in detail. If this is an issue that they would still like to have addressed he can call back directly to me at *** ***
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
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,
*** ***
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 resolvedHowever, I would like to add that it could have been handled better in my first contactsI still don't think that a small note on bills I didn't read because I do autopay was sufficient notification, and I wonder how many people this has happened to who might not have noticedThat said, for me personally, I am satisfiedThank you very much for your help
Sincerely,
*** ***
Revdex.com:it took four months ...alot of lost time and money on my side.....credits should be made to reflect those inconveniences and of course upto the so called resolution ....I was made to lose time and money each time a technician was visiting my home to swap a part rather then address and fix the issue
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,
*** ***
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 **,
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,
*** ***
A Verizon technical support representative spoke with the customer on 11/*/and verified that the services had been connectedA Verizon billing representative spoke with the customer on 11/*/17, after the 11/*/bill was renderedThe representative agreed to adjust the bill in full, $
The representative also agreed to waive the monthly cost of HBO for monthsThe customer advised that all issues had been resolved
Good afternoon, I had a Verizon Representative contact the claimant and we have issued credit to the account for charges that were in errorAdditionally, she has placed an order to get the bundle price to match what they signed up forThe Representative will follow up with the claimant to ensure
the pricing is correct
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,
*** ***
*** *** *** Thank you for referring the complaint of *** *** to our office for review. We appreciate this matter being brought to our attention Our investigation concludes; records show *** *** subscribed to the FiOS Digital Voice (FDV)Triple Play Select HD with
75/Data for $114.99. The bundle rate does not include rental equipment, premium channels and applicable taxes and surcharges. Verizon representative has attempted to reach *** ***, however has been unsuccessfulWe will follow up with the customer in order to reach an amicable resolutionVerizon apologies for the inconvenience this has caused and trust that this information will assist you in closing this complaint Sincerely, John TVerizon SW Executive Relations ###-###-#### EXT ***
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
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
We issued credit for the disputed international calls as well as the monthly fee for the calling planWe spoke with the customer to review the credits issued and apologized for the problems
Verizon has been unsuccessful in attempts made to reach the customer on 7/*/15, 7/*/15, 7/*/15, 7/**/and 7/**/15. Messages have been left providing the customer with contact information and requesting a call back. No response has been received. A please call letter was sent on
7/**/15. Verizon will address the disputed charges when the customer responds.Joyce D***Verizon Executive Relations SrAnalyst?
Upon receipt of the complaintwe spoke with the customer on October *, 2016 and apologized for the inconvenienceThe customer's concerns were referred to the appropriate department to review and investigateOur representative spoke with *** *** and apologized for the
misinformationIt was verified the technician replaced the splitter and router and exchanged the equipment. The customer stated there was still an existing concern about the WiFi signal and the technician mentioned a Network Extender should resolve the issueThe representative ordered a network extender and will credit the customer's account the cost for the Network Extender which will appear on the next bill statementThe representative advised the customer the amount of the monthly bill statement effective with the next billOur Solution Center representative spoke with the customer on October **, and assisted with the WiFi concerns. HD. A message was left on the customer's answering machine on October ** with our contact information as a follow up
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 this complaint , we made attempts to contact customer leaving messages and he returned my calls but we haven't been able to speak in detail. If this is an issue that they would still like to have addressed he can call back directly to me at *** ***
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
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,
*** ***
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 resolvedHowever, I would like to add that it could have been handled better in my first contactsI still don't think that a small note on bills I didn't read because I do autopay was sufficient notification, and I wonder how many people this has happened to who might not have noticedThat said, for me personally, I am satisfiedThank you very much for your help
Sincerely,
*** ***
Revdex.com:it took four months ...alot of lost time and money on my side.....credits should be made to reflect those inconveniences and of course upto the so called resolution ....I was made to lose time and money each time a technician was visiting my home to swap a part rather then address and fix the issue
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,
*** ***
Per Verizon Records, *** *** was issued a one time credit of $for the activation fee on 2/**/
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 **,
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,
*** ***