Dynamic Recovery Solutions, LLC

January 29, 2014
'Times New Roman', 'serif';">*** ** ***
Dispute Resolution Director
Revdex.com of Upstate S.C
North Church Street
Greenville, SC 29601-2164
RE: *** ** *** ***
Dear *** ***,
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years. Normally DRS would send a validation notice within days of initial contact with the consumer in compliance with the Fair Debt Collection Practices Act (FDCPA)As the consumer has stated they would prefer for contact to cease immediately, still in compliance with the FDCPA DRS will adhere to that.
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status. We have flagged the account accordingly. It has been closed in our office and returned to our client, with notation of this complaint. There will be no further collection activity from DRS regarding this account.
Sincerely,
*** ***
Compliance Administrator
Dynamic Recovery Solutions
***

RE: Revdex.com Case #: ***
Good afternoon *** ***,
"LINE-HEIGHT: 115%">Customer service is our top priority, and we appreciate your bringing this to our attentionTypically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the yearsDue to several business exchanges, it is possible that a mistake could have been made by erroneously contacting the wrong person, and we sincerely apologize for any inconvenience this may have caused on your behalf. Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" statusAlso, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. If you have any further questions or concerns, we encourage you to contact our customer service department at *** or our toll free telephone number at ***
With Best Regards,
*** ***
Compliance Department
***%
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January 28, 2014
*** ** ***
Dispute Resolution Director
Revdex.com of Upstate S.C
North Church Street
Greenville, SC 29601-2164
RE: *** *** ***
Dear *** ***
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clientsSome of these accounts are out of the statute of limitations, which is the time frame a debt can be recovered through litigation or can be reported on a consumer’s credit report. This statute does not abolish a debt, therefore DRS was contacting the consumer to collect itBeing out of the statute of limitations can also explain why the consumer will not see this account on their credit report as a collection item.
Customer service is our top priority and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulations. I apologize for the behavior of the agent who handled his call. Further discipline action has been taken for the way the call was handled, and their immediate supervisor has been made aware.
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status. We have flagged the account accordingly. It has been closed in our office and returned to our client. There will be no further collection activity from Dynamic Recovery Solutions regarding this account.
Sincerely,
*** ***
Compliance Administrator
Dynamic Recovery Solutions
***

January 22, 2014 
[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted] 
Dynamic Recovery Solutions, LLC (DRS) has placed the consumer’s number in a “cease & desist” status.  We have flagged the account accordingly.  It will be closed in our office and returned to our client.  There will be no further collection activity from DRS regarding this account. 
Sincerely,
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

January 20, 2014 
'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted], 
Dynamic Recovery Solutions, LLC (DRS) is a 3rd party debt collection agency therefore does not have immediate access to the documents requested. DRS must submit a formal request for the files which may take a while. Taking the consumer’s time into consideration, DRS will not leave this request open indefinitely. The consumer will eventually receive one of two items; the original documents or a notice that the account has been closed at the DRS office.  By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company must permanently cease in relation to this account.  
Regarding the statute of limitations or time barred debts; these are still considered valid debts. The statute of limitations simply is the time frame the original creditor can report a debt to an individual’s credit or take legal action against the consumer to retrieve the debt. In this case the original creditor has chosen a 3rd option, which is to sell the debt into collections to recoup their losses. The below government website goes into further details on what it means for a debt to be time barred, and will corroborate the previous statements. 
Source: http://www.consumer.ftc.gov/articles/0117-time-barred-debts 
 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

January 29, 2014
 
 
[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted]  
Dear [redacted] 
Dynamic Recovery Solutions, LLC (DRS) is a 3rd party debt collection agency therefore does not have immediate access to the documents requested. DRS must submit a formal request for the files which may take a while. Taking the consumer’s time into consideration, DRS will not leave this request open indefinitely. The consumer will eventually receive one of two items; the original documents or a notice that the account has been closed at the DRS office.  By law and in compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company must permanently cease in relation to this account.  
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

January 20, 2014 
[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted] 
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients.  In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years.  Due to several business exchanges, it is possible that a mistake could have been made.  I do apologize of the consumer was contacted in error, please advise them that DRS has made note of this on their account. 
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status.  We have flagged the account accordingly.  It has been closed in our office and returned to our client.  There will be no further collection activity from Dynamic Recovery Solutions regarding this account. 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

January 29, 2014 
11pt; font-family: 'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted],
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients.  In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years.  Due to several business exchanges, it is possible that a mistake could have been made. If the consumer and their spouse have been contacted in error, collection efforts will stop in compliance with the consumer’s request. 
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status.  We have flagged the account accordingly.  It has been closed in our office and returned to our client.  There will be no further collection activity from DRS regarding this account. 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me as long as all 3 accounts are taken care of.
Regards,
[redacted]

January 15, 2014 
[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted] 
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients.  DRS has contacted the consumer a total of 6 times since April 2013. The other calls are coming from a different source. Because of the delicate nature of our phone calls, DRS prefers not to and by law cannot disclose certain details via a voicemail. If the consumer would like account information they are welcome to contact our Customer Service team at ([redacted] 
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status.  We have flagged the accounts accordingly.  The accounts are currently pending close in our office; this will allow time for the consumer to contact DRS on their on terms if they choose.  
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

January 29, 2014 
'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted] 
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients.  In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years.  Due to several business exchanges, it is possible that a mistake could have been made. In an effort to correct our records the consumer would need to supply the numbers that DRS is contacting him on, it is very likely their numbers are attached to an account that does not belong to them. After our records are updated, we can send the consumer a formal letter stating that their numbers will no longer receive calls from DRS. The consumer can also supply this information on our website Dynamicrecovery.com/disputes. 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

RE: Revdex.com Case #: [redacted],
Dear[redacted],
Dynamic Recovery Solutions is a legitimate third party collection agency who collects on past due accounts for our clients. Typically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions. 
Customer service is our top priority, and our representatives are trained to be professional and follow all guidelines required by federal and state laws and regulations. I personally monitored the calls, and I did not hear any aggression, manipulation or deception from any representative. The process of verification is normally accomplished by confirming current address, phone, date of birth, and/or other means to ensure your confidentially is being protected by not giving information to the incorrect individual, and protects your rights as a consumer.
Dynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumer. We are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity. 
Dynamic Recovery Solutions uses a Voice Over Internet Product (VOIP), which clearly displays the area code for which state we are calling, so that there is no cost for the consumer to return our calls. Also, to indicate that we are a moral, ethical and legitimate company that customers can call back, and actually speak with a live representative. Customers do not have to deal with erroneous masked toll free telephone numbers or private numbers. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years. You consistently asked for payment coupons and/or vouchers. [redacted], please understand that receiving a payment coupon book and/or voucher is not a normal practice when an account has been collections for several years. Further, this would no longer be a credit reporting issue as this juncture. 
Please contact the Compliance Department, if you have further issues or concerns.
Best Regards,
[redacted]
Compliance Auditor
[redacted]











11/20/2014






Complaint

this is the second time I received a fraudulent bill from this company. The first one was closed after a complaint on to the Revdex.com. This time this company is trying to get me to settle a debt from 1999 for $1738.91. As per the last bogus collection attempt, this is a scam attempt. I...

do not owe anyone for any debt and certainly not one that is 15 years old. In fact, I was out of the county on business for several years and 1999 was one of them. Someone really need to investigate this "collection Agency" as they continually try to scam money out of people who owe nothing. Shame on you, Dynamic Recovery.







Desired Resolution
I would like dyamic recovery to immediately cease and desist any and all attempts to collect this fraudulent bill. [redacted]...

[redacted]





Consumer Business Dialog

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
their phone calls are continueing.
I have called them up and told them to stop calling me, I don't know who they are looking for but it most certaintly is not me !
I consider their phone calls as harrassment and if they continue I will act on it as such !
complaint has been filed with the FTC,  next step will be with the ATTORNEY GENERALS OFFICE in [redacted] if this continues.
the phone number that calls me is  [redacted]
my phone number is[redacted] REMOVE THIS NUMBER FROM YOUR LIST AT ONCE OR THERE WILL BE VERY BIG TROUBLE HEADING YOUR WAY !!!
if I end up having to have the phone number changed to make them stop bothering me I will be sending them a bill for it !!!!
Regards,
[redacted]

RE: Revdex.com Case #: [redacted]
Dear [redacted],
Dynamic Recovery Solutions does not engage in any...

fraudulent activity to misinform abuse or harass any consumer. We are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activity. Dynamic Recovery Solutions is a legitimate third party collection agency who collects on past due accounts for our clients. Typically, the original creditor will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions. Unfortunately, there was another alleged account that was placed with our office for resolution. Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your alleged account has been CLOSED in our office. If you have any further questions or concerns, we encourage you to contact our customer service department at [redacted] or our toll free telephone number at [redacted].
Thanking you in advance.
[redacted]
Compliance Auditor
[redacted]









11/20/2014






Complaint

This company send me three bills for some amount that I do not own and account that are do not recognize. I am disputing the debt list below: [redacted] Account:[redacted] Current Account[redacted] Total: $9,995.68 Finally, please note that I do not wish to receive no telephone calls or...

letters concerning this debt that I do not own.







Desired Resolution

Want this matter to be solve and letter with apology from this company, this is not the first time.

Consumer Business Dialog

January 20, 2014 
11pt; font-family: 'Times New Roman','serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear [redacted] 
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients.  In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years.  Due to several business exchanges, it is possible that a mistake could have been made.  If DRS has contacted the consumer by mistake I do apologize, the inquiry deletion request submitted on their consumer’s behalf is attached. 
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status.  We have flagged the account accordingly.  It has been closed in our office and returned to our client.  There will be no further contact from Dynamic Recovery Solutions regarding this account. 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

January 28, 2014
 
 
[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted], [redacted] 
Dear [redacted], 
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients.  In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years.  Due to several business exchanges, it is possible that a mistake could have been made.  If DRS has contacted the consumer in error, our apologizes. 
DRS has not sent the consumer any extra details or proof due to the consumer disputing both debts, one has notations of identity theft and the other of a bankruptcy. Continuing to collect these debts would be a violation of the Fair Debt Collection Practices Act (FDCPA). If the consumer would still like details regarding these debts a request can be put in to our clients, but DRS will no longer make contact attempting to collect them.  
Regarding the consumer’s credit inquiry, this is permitted under the permissible purpose portion of the Fair Credit Reporting Act (FCRA). In compliance with the FCRA since the consumer is disputing these debt I have submitted an inquiry deletion request on their behalf. We do wish these disputes were brought to our attention sooner as  DRS does have a Customer Service Team and a website dynamicrecovery.com/disputes that can expedite responses concerning sensitive matters such as one’s credit. Furthermore inquiries are deleted quicker when a request is put in by the company that made the inquiry rather than the consumer due to the dispute process.
 
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” status.  We have flagged the account accordingly.  It has been closed in our office and returned to our client.  There will be no further collection activity from DRS regarding this account. 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]

January 16, 2014 
[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164 
RE: [redacted] 
Dear[redacted], 
Dynamic Recovery Solutions, LLC (DRS) has only had the privilege of more recently speaking with the consumer (January 14, 2013), and during this conversation the consumer did request original documents. This request was reflected on the account the same day, please keep in mind that DRS is a 3rd party debt collector therefore a formal request must be submitted for said documents. In the meanwhile the consumer will received something called a validation notice in the mail; it looks very similar to a bill. Afterwards the consumer will receive one of two items; the original documents or a notice that the account has been closed.  By law and in complete compliance with the Fair Debt Collection Practices Act (FDCPA) if DRS cannot provide original documents once they are requested, collection efforts from our company must permanently cease regarding the particular account. If the consumer has any questions or would like a status update on their account they are welcomed to contact DRS directly at [redacted]. 
Regarding the consumer’s credit inquiry, this is permitted under the permissible purpose portion of the Fair Credit Reporting Act (FCRA). In compliance with the FCRA since the consumer is disputing the inquiry I have submitted an inquiry deletion request on their behalf. This request is in the attachment for the consumer’s personal records. 
Sincerely, 
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]