RE: *** ***, Complaint ID#***
Dear *** ***,
"margin-bottom: 0pt; page-break-before: always;"> Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party debt collection agency that collects on past due accounts for our clientsIn 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 madeIf this is the case DRS does apologize for any undue stress our contact may have caused.
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactA thorough search of our records did not pull anything up for *** ***If *** *** can provide the telephone number he is being contacted at, we will be more than happy to mark it as “Do Not Call.” Also, if he receives any further contact, he can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them.
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusSince we do not have the correct information to locate the account, it is in the hands of the consumer to provide us with the correct informationOnce they can provide this information, the account will be closed in our office, and returned to our client, with notation of this complaint
Sincerely,
*** ** ***
Quality Assurance Coordinator
***
***
Dynamic Recovery Solutions is a legitimate third
party collection agency that collects on past due
accounts for our
clients. Dynamic Recovery Solutions does not engage in any fraudulent
activity to misinform abuse or harass any consumerWe are currently licensed
and bonded in all applicable states that require such licensing, and would
receive severe penalties and fines for such fraudulent activity. DRS
always wants to acknowledge any concerns a consumer expresses
regarding these type of matters
Due to several business exchanges, it
is possible that a mistake could have been made by contacting the consumer at
this pointFurther, as a result of the turnover of accounts in the collections
industry, oftentimes there is inaccurate information for contact
purposes. Typically any personal and/or contact information would be a
part of the original contract that was sold into collections, including, but
not limited to, telephone number, address, etc
By
law and in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS
MUST permanently cease communications in relation to this accountThere will
be no further contact with the consumer from Dynamic Recovery Solutions
Our hours of operation: Monday-Friday from 8:00am EST -
8:45pm EST, and Saturday from 8:00am EST-1:00pm ESTIf the consumer has any
further questions or concerns, we encourage them to contact our customer
service department at *** or our toll free telephone number at
***
RE:*** *** *** ***
12.0pt;">
Dear *** ***
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them.
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
*** ** ***
Compliance Administrator
Dynamic Recovery Solutions
***
***
Revdex.com Case #: ***
Customer experience is our TOP
priority, and we are grateful that the consumer has brought this matter to our
attention.
"">Dynamic Recovery Solutions is a
legitimate third party collection agency that collects on past due accounts for
our clientsThe original creditor exhausted their collection attempts when
they did not receive a paymentThe account is normally sold into collections,
so that the original creditor can recoup their loss for non-payment of the
defaulted accountThe original creditor does not normally house that
information in their systems for long periods of time as they have been
reimbursed for any loss of funds by selling the account into the industry of
collections
It appears that the consumer spoke to
one of our representatives on September where the consumer stated that
she stayed at the hospital and had given birth, and that it should be a zero
balance, because there was insurance and/or *** ***However, the consumer
wanted to do some due diligence. All and
all, the consumer was completely receptive and acknowledged that this should
have been paid by insurance, and that they were unintentionally unaware there
was an outstanding balance, and would get this taken care ofAlso, stated that
there was regular insurance for children, and *** *** for the child born
during this time frame
Dynamic Recovery Solutions does not
engage in any fraudulent activity to misinform abuse or harass any consumerWe
are currently licensed and bonded in all applicable states that require such
licensing, and would receive severe penalties and fines for such fraudulent
activity
The consumer stated that she has
never received any proof of the alleged debt. DRS always want to
acknowledge any concerns a consumer expresses regarding these type of matters
of disputing the account, and DRS did send a validation letter March 2015, in
compliance with the Fair Debt Collections Practices Act to the address on file,
and has not been returned undeliverable to this office. Subsequently, DRS
also made an unsuccessful attempt to send notification on September
The initial correspondence is a validation notification as well, and has all
contents per Fair Debt Collections Practices Act, plus it also gave options to
resolve the debt, the notice included: •the amount of the debt; •the
name of the creditor to whom the debt is owed; • a statement that
unless the consumer, within thirty days after receipt of the notice, disputes
the validity of the debt, or any portion thereof, the debt will be assumed to
be valid by the debt collector; • a statement that if the consumer notifies the
debt collector in writing within the thirty-day period that the debt, or any
portion thereof, is disputed, the debt collector will obtain verification of
the debt or a copy of a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer by the debt collector;
and • a statement that, upon the consumer's written request within the
thirty-day period, the debt collector will provide the consumer with the name
and address of the original creditor, if different from the current creditor
• If the consumer notifies the debt collector in writing
within the thirty-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the name and
address of the original creditor, the debt collector shall cease collection of
the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or any copy of a judgment, or the name and address of
the original creditor, and a copy of such verification or judgment,
or name and address of the original creditor, is mailed to the consumer by the
debt collectorDRS has also ordered the original validation documentation from our client, and once received it will be forwarded to the consumer in a timely manner, and it can take up to weeks to receiveIn the event, the original documentation is not available, the consumer's account is closed permanently, and collection activities cease.
Typically any contact
information would be a part of the original contract that was sold into
collections, including, but not limited to, telephone number, address, etc
Further, any personal identifiable information comes with the file from
our clientThe PII such as social security number, and/or date of birth are
normally accurate when the account is placed with our officeHowever, it is
possible that the date of birth was sent incorrectly to this office, and the representative
verified another piece of identifiable information for verification of the
consumerPer company policy, and the Fair Debt Collections Practices Act, the
agent must verify at least one piece of PII to ensure we are not divulging
personal information to an incorrect party, while this also protects the
consumer’s right to privacy
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.
Per company policy when a complaint of this nature is received,
the account is placed in a "cease & desist" statusAlso, the account
has been CLOSED in our office, and no further contact from Dynamic Recovery
Solutions regarding this matterIf the consumer has any further questions or
concerns, we encourage them to contact our customer service department at
*** or our toll free telephone number at ***
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 Thank you so much for your assistance It is truly appreciated.
Regards,
*** ***
RE: *** ***, Complaint ID#***
Dear *** ***,
class="MsoNormal" "text-align: justify; text-indent: 0.5in;">Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party 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 madeBecause we are a third party collection agency, any information we have on file is given to us by our clientSince we do not own the information, we are not in control of itThis account has been forwarded back to our client along with a copy of this complaint
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account
Sincerely,
*** ** ***
Compliance Administrator
Dynamic Recovery Solutions
***
***
We have read Ms***'s complaint and reviewed the account that has been placed with us by our
clientDynamic Recovery Solutions acknowledges Ms*** disputes the debts in question, Per company policy when a complaint of this nature is received from your office, we cease all activity on the account in our officeUpon review, our client placed these accounts with our office on 3/06/and 3/08/Validation for these accounts has been requested from the clientShould documentation be available we will send it to Ms*** for her records and no further contact will be made by Dynamic Recovery SolutionsDynamic Recovery Solutions is a third party collection agency licensed in all applicable states to collect on past due accounts for our clientsDRS always wants to acknowledge any concerns a consumer expresses regarding these type of mattersIf Ms*** has any further questions or concerns, we encourage her to contact our Chief Compliance Officer *** *** at (***)We do apologize for any inconvenience that Ms*** may have experiencedRegards,
*** *** Compliance Representative
RE: *** ***, Complaint ID#***
Dear *** ***,
class="MsoNormal" "text-align: justify;">
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party 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 madeBecause we are a third party collection agency, any information we have on file is given to us by our clientSince we do not own the information, we are not in control of itThis account has been forwarded back to our client along with a copy of this complaint
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account
Sincerely,
*** ** ***
Compliance Administrator
Dynamic Recovery Solutions
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaintI would have liked to know what I know now as a consumer years ago, that is how long this rip-off service has been on my credit recordIn ***, time limits for filing a lawsuit for breaches of other types of contractsIn my case, it was an oral contract that I, myself, did not accept at any timeEven so, when I called *** customer service I asked for a voice recordingI have not been informed yet that *** has that voice recording with me accepting the terms and services for the life insurance they were offering at the timeBecause of the statutes of limitations in ***, oral contracts are disregarded, by the state of ***, after years of it being "accepted"Regardless of the *** account being sold to collection on the 27th of March, 2004, I honestly do not know how many times this account has been sold to different debt collector companies and I feel like I should not pay for the *** accountAlso, the account should be completely terminated from my credit recordI believe that something of this nature--to which I did not accept to--should have been removed years agoI also believe that this misunderstanding should not be dragging my credit score for as long as it hasI want this account to be completely eliminated and resolvedI do not want my case to be sold to another debt collecting company like it has been for the last years; which is exactly what *** would do if this case doesn't get resolved as of this momentAll in all, I need this case to be removed and resolved as soon as possible.
As of regards with the phone calls, I do not agree with the statement of the operators being professional with meThere was one in particular that was very rude to meAs I was talking and trying to explain my situation or my case to the FEMALE operator, she did let me finish my sentences and talked over meI do not think that is polite at all under the circumstances of which I AM the customer or consumer and that female operator is getting paid to listen, try to sympathize, and resolve my caseI believe it is unprofessional to try to speak over the customer and not at lesat show as if there is some type of sympathy thereI also believe that it is unprofessional that she left me on hold for the while that she didI certainly did not have this issue with the male operator the second time I called the company.
Regards,*** *** ***
February 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 clientsDue to our client placing this delinquent account with DRS, the company then has a permissible purpose to create an inquiry on the consumer’s creditThe Fair Credit Reporting Act (FCRA) is the law that governs inquiries such as theseIn compliance with the FCRA since the consumer has requested the removal of this inquiry, an inquiry deletion request has been submitted on their behalf.
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,
Compliance Administrator
Dynamic Recovery Solutions
***
*** ***
"Cambria","serif">
Consumer Operations Director
Revdex.com of the Upstate
North Church Street, Suite C
Greenville, SC
Dear*** ***,
We have read Ms ***’s complaint
and reviewed the account that has been placed with us by our client Dynamic Recovery Solutions (DRS) acknowledges
Ms*** disputes this debt. Per
company policy when a complaint of this nature is received we cease all
activity on the account in our office I
requested documentation to verify the debt in question, should it be available
we will send it to Ms***. After
documentation is sent there will be no further contact from Dynamic Recovery
Solutions.
DRS is a third party collection agency licensed in all applicable states
to collect on past due accounts for our clients. DRS always wants to acknowledge any
concerns a consumer expresses regarding these type of matters. If Ms*** has any further questions or concerns, we encourage
her to contact our Chief Compliance Officer *** *** ***.com We do apologize for any inconvenience that Ms
*** may have experienced
Regards,
*** ***
Compliance Representative
RE: Revdex.com Case No: *** Good afternoon *** *** Dynamic Recovery Solutions is a legitimate third party collection agency that collects on past due accounts for our clientsOur office received your account on 8-28-14, and no record of you being contacted by phoneHowever, on 9-4-we sent
a validation notice for the alleged debtThe validation notice is required by law, and explains your rights regarding the alleged debtFurther, it provides you with the option of disputing the alleged debt within days of receipt of the validation notification, and provides options for getting the alleged account resolvedDynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumerWe are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activityDynamic Recovery Solutions does acknowledge that the account is not within the statute of limitations, which would imply we had an intention to pursue legal action, and that is far from any current or future action on our behalfThe statutes of limitations provide a timeframe against you by a creditor to recoup their financial loss legallyThe monies are still owed after that timeframe has expiredPer 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 returned to our clientThere will be no further contact from Dynamic Recovery Solutions regarding this matterIf you have further questions or concerns, please feel free to contact the Compliance DepartmentWith Best Regards, *** *** Compliance Auditor***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and have determined that this does not resolve my complaint.
This business has promised to stop contacting me before and contact efforts resumed several months afterwardThus, before accepting that this issue is concluded a reasonable amount of time will have to elapseFurthermore, the company's response indicates they "may" have made a mistake and as such, do not feel they have fully investigated the complaint nor accepted that they have in fact made innumerable "mistakes."
Additionally, the company will be served with complaints from the *** Attorney General's Office, South Carolina Attorney General's office and Consumer Financial Protection Bureau about unwanted and mistaken contact from this companyThese complaints were additionally followed up with a certified letter of Notice to Cease and Desist, mailed today
Please make sure your client/accredited business understands I take unwanted contact very seriously and will not hesitate to pursue formal legal action pursuant to Federal Fair Debt Collection Practices Act (USC 1692c)
Regards,
*** ***
RE: *** ***, Complaint ID # ***
Dear ***
***,
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them.
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. If *** *** perceived the actions of our agent in a negative way, we sincerely apologize.
If Dynamic Recovery Solutions, LLC (DRS) has placed a hard inquiry or tradeline on the consumer’s credit report, we will be more than happy to assist the consumer with removing thisWe need the date of the inquiryThe consumer may contact our Compliance Administrator at [email protected] to obtain assistance with this request
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account
Sincerely,
*** ** *** **
Compliance Administrator
Dynamic Recovery Solutions
***
***
Revdex.com Case #: ***
Dynamic Recovery Solutions is a
legitimate third party collection agency that collects on past due accounts for
our
clients. Dynamic Recovery Solutions does not engage in any fraudulent
activity to misinform abuse or harass any consumerWe are currently licensed
and bonded in all applicable states that require such licensing, and would
receive severe penalties and fines for such fraudulent activity. Per
company policy when a complaint of this nature is received, the account is
placed in a "cease & desist" statusAlso, the
account has been CLOSED in
our office due to the consumer disputing the account, and returned to our
clientThere will be no further contact from Dynamic Recovery Solutions
regarding this matter
By law and in compliance
with the Fair Debt Collection Practices Act (FDCPA) DRS MUST permanently cease
communications in relation to this accountThere will be no further contact
with the consumer from Dynamic Recovery Solutions
Our hours
of operation: Monday-Friday from 8:00am EST - 8:45pm EST, and Saturday from
8:00am EST-1:00pm ESTIf the consumer has any further questions or concerns,
we encourage them to contact our customer service department at *** or our toll free telephone number at ***
*** ** ***
Revdex.com of
Upstate South Carolina (Greenville, SC)
North
Church Street, Suite C
Greenville, SC 29601-2164
Dear *** ** ***
We have read
*** *** complaint and reviewed the account that has been placed with us by
our clientDynamic Recovery Solutions acknowledges that *** *** is
disputing this account and requesting no further contact
Per company policy when a complaint of this nature is
received, we cease all activity on the account in our office and the file is
returned to our client
If *** ***
has any further questions or concerns, we encourage her to contact our Chief
Compliance Officer *** *** at ***
We do apologize for any inconvenience that *** *** may have
experienced
Regards,
*** ***
Compliance Representative
Revdex.com Case #: ***
"margin-bottom: 0.0001pt;"> Customer experience is our TOP
priority, and we are grateful that the consumer has brought this matter to our
attention. The consumer stated that she has never received any proof of
the alleged debt. DRS always want to acknowledge any concerns a consumer
expresses regarding these type of matters of disputing the account, and DRS did
send a validation letter in compliance with the Fair Debt Collections Practices
Act to the address on file, and has not been returned undeliverable to this
officeHowever, it appears to not be an accurate address for the consumer.
Per the Fair Credit Reporting Act the consumer does have several
rights under this Act, and one being the consumer has the right to dispute
incomplete or inaccurate information, and if you identify information in your
file that is incomplete or inaccurate, and report it to the consumer reporting
agency, the agency must investigate unless your dispute is frivolousAlso,
consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable informationInaccurate, incomplete or unverifiable information
must be removed or corrected, usually within daysHowever, a consumer
reporting agency may continue to report information it has verified as
accurateSubsequently, we have not violated any laws under this Act, and
permissible purpose to view the consumer’s report establishes a business
relationship regarding the alleged debt
Typically any contact information would be a part of the original contract that
was sold into collections, including, but not limited to, telephone number,
address, etcFurther, any personal identifiable information comes with
the file from our clientThe PII such as social security number, and/or date
of birth are normally accurate when the account is placed with our officePer
company policy, and the Fair Debt Collections Practices Act, the agent must
verify at least one piece of PII to ensure we are not divulging personal
information to an incorrect party, while this also protects the consumer’s
right to privacy
DRS always want to
acknowledge any concerns a consumer expresses regarding these type of matters
of disputing the account, and DRS has sent the dispute letter in compliance
with the Fair Debt Collections Practices Act.
The
initial correspondence is a validation notification as well, and has all
contents per Fair Debt Collections Practices Act, plus it also gave options to
resolve the debt, the notice included: •the amount of the debt; •the
name of the creditor to whom the debt is owed; • a statement that unless
the consumer, within thirty days after receipt of the notice, disputes the
validity of the debt, or any portion thereof, the debt will be assumed to be
valid by the debt collector; • a statement that if the consumer notifies the
debt collector in writing within the thirty-day period that the debt, or any
portion thereof, is disputed, the debt collector will obtain verification of
the debt or a copy of a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer by the debt collector;
and • a statement that, upon the consumer's written request within the
thirty-day period, the debt collector will provide the consumer with the name
and address of the original creditor, if different from the current creditor
• If the consumer notifies the debt collector in writing
within the thirty-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the name and
address of the original creditor, the debt collector shall cease collection of
the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or any copy of a judgment, or the name and address of
the original creditor, and a copy of such verification or judgment,
or name and address of the original creditor, is mailed to the consumer by the
debt collector. However, we do not house the original media in our office
Another request for media has been requested from our client on 3-25-2015, and
typically, it takes at minimum of at least 4-weeks if the original media is
available, we will forward the original media for your review.
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.
Dynamic Recovery Solutions
also accepts verbal cease & desistPer company policy when a complaint of
this nature is received, the account is placed in a "cease &
desist" statusAlso, the account has been CLOSED in our office, and no
further contact from Dynamic Recovery Solutions regarding this matterIf the
consumer has any further questions or concerns, we encourage them to contact
our customer service department at *** or our toll free
telephone number at ***
*** ***
"Cambria","serif">
Consumer Operations Director
Revdex.com of the Upstate
North Church Street, Suite C
Greenville, SC
Dear*** ***,
We have read Ms***’s complaint
and reviewed the account that has been placed with us by our clientDynamic
Recovery Solutions acknowledges that Ms*** wishes to no longer be
contacted by Dynamic Recovery Solutions Per company policy when a complaint of this
nature is received we cease all activity on the account in our office. There will be no further contact from Dynamic
Recovery Solutions
Dynamic Recovery Solutions is a third party collection agency licensed
in all applicable states to collect on past due accounts for our clients. DRS always wants to acknowledge any
concerns a consumer expresses regarding these type of matters. If Ms*** has any further questions or concerns, we
encourage her to contact our Chief Compliance Officer *** *** ***.comWe do apologize for any inconvenience
that Ms*** may have experienced
Regards,
*** ***
Compliance Representative
Good afternoon,
Dynamic Recovery Solution is a 3rd party collection agency, and does not own this accountThe original validation letter sent shows the current owner of this account *** and we requested the media received from that companyYour request to have the information removed from your consumer reports has been sent to the owners of the account regarding your requestDynamic Recovery Solutions will advise when this has been completed
*** ***
Consumer Operations Director
Revdex.com of the Upstate
North Church Street, Suite C
Greenville, SC
Dear *** ***,
We have read Mrs***
complaint and reviewed the account that has been placed with us by our clientDynamic Recovery Solutions acknowledges that Mrs*** is disputing this account stating it does not belong to her and to cease all contact to the phone number ***Per company policy when a complaint of this nature is received, we cease all activity on the account in our office and the file is returned to our clientIf Mrs*** has any further questions or concerns, we encourage her to contact our Chief Compliance Officer *** *** ** ***.com We do apologize for any inconvenience that Mrs*** may have experiencedRegards,
*** ***
Compliance Representative
RE: *** ***, Complaint ID#***
Dear *** ***,
"margin-bottom: 0pt; page-break-before: always;"> Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party debt collection agency that collects on past due accounts for our clientsIn 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 madeIf this is the case DRS does apologize for any undue stress our contact may have caused.
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactA thorough search of our records did not pull anything up for *** ***If *** *** can provide the telephone number he is being contacted at, we will be more than happy to mark it as “Do Not Call.” Also, if he receives any further contact, he can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them.
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusSince we do not have the correct information to locate the account, it is in the hands of the consumer to provide us with the correct informationOnce they can provide this information, the account will be closed in our office, and returned to our client, with notation of this complaint
Sincerely,
*** ** ***
Quality Assurance Coordinator
***
***
Dynamic Recovery Solutions is a legitimate third
party collection agency that collects on past due
accounts for our
clients. Dynamic Recovery Solutions does not engage in any fraudulent
activity to misinform abuse or harass any consumerWe are currently licensed
and bonded in all applicable states that require such licensing, and would
receive severe penalties and fines for such fraudulent activity. DRS
always wants to acknowledge any concerns a consumer expresses
regarding these type of matters
Due to several business exchanges, it
is possible that a mistake could have been made by contacting the consumer at
this pointFurther, as a result of the turnover of accounts in the collections
industry, oftentimes there is inaccurate information for contact
purposes. Typically any personal and/or contact information would be a
part of the original contract that was sold into collections, including, but
not limited to, telephone number, address, etc
By
law and in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS
MUST permanently cease communications in relation to this accountThere will
be no further contact with the consumer from Dynamic Recovery Solutions
Our hours of operation: Monday-Friday from 8:00am EST -
8:45pm EST, and Saturday from 8:00am EST-1:00pm ESTIf the consumer has any
further questions or concerns, we encourage them to contact our customer
service department at *** or our toll free telephone number at
***
RE:*** *** *** ***
12.0pt;">
Dear *** ***
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them.
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
*** ** ***
Compliance Administrator
Dynamic Recovery Solutions
***
***
Revdex.com Case #: ***
Customer experience is our TOP
priority, and we are grateful that the consumer has brought this matter to our
attention.
"">Dynamic Recovery Solutions is a
legitimate third party collection agency that collects on past due accounts for
our clientsThe original creditor exhausted their collection attempts when
they did not receive a paymentThe account is normally sold into collections,
so that the original creditor can recoup their loss for non-payment of the
defaulted accountThe original creditor does not normally house that
information in their systems for long periods of time as they have been
reimbursed for any loss of funds by selling the account into the industry of
collections
It appears that the consumer spoke to
one of our representatives on September where the consumer stated that
she stayed at the hospital and had given birth, and that it should be a zero
balance, because there was insurance and/or *** ***However, the consumer
wanted to do some due diligence. All and
all, the consumer was completely receptive and acknowledged that this should
have been paid by insurance, and that they were unintentionally unaware there
was an outstanding balance, and would get this taken care ofAlso, stated that
there was regular insurance for children, and *** *** for the child born
during this time frame
Dynamic Recovery Solutions does not
engage in any fraudulent activity to misinform abuse or harass any consumerWe
are currently licensed and bonded in all applicable states that require such
licensing, and would receive severe penalties and fines for such fraudulent
activity
The consumer stated that she has
never received any proof of the alleged debt. DRS always want to
acknowledge any concerns a consumer expresses regarding these type of matters
of disputing the account, and DRS did send a validation letter March 2015, in
compliance with the Fair Debt Collections Practices Act to the address on file,
and has not been returned undeliverable to this office. Subsequently, DRS
also made an unsuccessful attempt to send notification on September
The initial correspondence is a validation notification as well, and has all
contents per Fair Debt Collections Practices Act, plus it also gave options to
resolve the debt, the notice included: •the amount of the debt; •the
name of the creditor to whom the debt is owed; • a statement that
unless the consumer, within thirty days after receipt of the notice, disputes
the validity of the debt, or any portion thereof, the debt will be assumed to
be valid by the debt collector; • a statement that if the consumer notifies the
debt collector in writing within the thirty-day period that the debt, or any
portion thereof, is disputed, the debt collector will obtain verification of
the debt or a copy of a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer by the debt collector;
and • a statement that, upon the consumer's written request within the
thirty-day period, the debt collector will provide the consumer with the name
and address of the original creditor, if different from the current creditor
• If the consumer notifies the debt collector in writing
within the thirty-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the name and
address of the original creditor, the debt collector shall cease collection of
the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or any copy of a judgment, or the name and address of
the original creditor, and a copy of such verification or judgment,
or name and address of the original creditor, is mailed to the consumer by the
debt collectorDRS has also ordered the original validation documentation from our client, and once received it will be forwarded to the consumer in a timely manner, and it can take up to weeks to receiveIn the event, the original documentation is not available, the consumer's account is closed permanently, and collection activities cease.
Typically any contact
information would be a part of the original contract that was sold into
collections, including, but not limited to, telephone number, address, etc
Further, any personal identifiable information comes with the file from
our clientThe PII such as social security number, and/or date of birth are
normally accurate when the account is placed with our officeHowever, it is
possible that the date of birth was sent incorrectly to this office, and the representative
verified another piece of identifiable information for verification of the
consumerPer company policy, and the Fair Debt Collections Practices Act, the
agent must verify at least one piece of PII to ensure we are not divulging
personal information to an incorrect party, while this also protects the
consumer’s right to privacy
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.
Per company policy when a complaint of this nature is received,
the account is placed in a "cease & desist" statusAlso, the account
has been CLOSED in our office, and no further contact from Dynamic Recovery
Solutions regarding this matterIf the consumer has any further questions or
concerns, we encourage them to contact our customer service department at
*** or our toll free telephone number at ***
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 Thank you so much for your assistance It is truly appreciated.
Regards,
*** ***
RE: *** ***, Complaint ID#***
Dear *** ***,
class="MsoNormal" "text-align: justify; text-indent: 0.5in;">Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party 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 madeBecause we are a third party collection agency, any information we have on file is given to us by our clientSince we do not own the information, we are not in control of itThis account has been forwarded back to our client along with a copy of this complaint
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account
Sincerely,
*** ** ***
Compliance Administrator
Dynamic Recovery Solutions
***
***
We have read Ms***'s complaint and reviewed the account that has been placed with us by our
clientDynamic Recovery Solutions acknowledges Ms*** disputes the debts in question, Per company policy when a complaint of this nature is received from your office, we cease all activity on the account in our officeUpon review, our client placed these accounts with our office on 3/06/and 3/08/Validation for these accounts has been requested from the clientShould documentation be available we will send it to Ms*** for her records and no further contact will be made by Dynamic Recovery SolutionsDynamic Recovery Solutions is a third party collection agency licensed in all applicable states to collect on past due accounts for our clientsDRS always wants to acknowledge any concerns a consumer expresses regarding these type of mattersIf Ms*** has any further questions or concerns, we encourage her to contact our Chief Compliance Officer *** *** at (***)We do apologize for any inconvenience that Ms*** may have experiencedRegards,
*** *** Compliance Representative
RE: *** ***, Complaint ID#***
Dear *** ***,
class="MsoNormal" "text-align: justify;">
Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party 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 madeBecause we are a third party collection agency, any information we have on file is given to us by our clientSince we do not own the information, we are not in control of itThis account has been forwarded back to our client along with a copy of this complaint
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account
Sincerely,
*** ** ***
Compliance Administrator
Dynamic Recovery Solutions
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaintI would have liked to know what I know now as a consumer years ago, that is how long this rip-off service has been on my credit recordIn ***, time limits for filing a lawsuit for breaches of other types of contractsIn my case, it was an oral contract that I, myself, did not accept at any timeEven so, when I called *** customer service I asked for a voice recordingI have not been informed yet that *** has that voice recording with me accepting the terms and services for the life insurance they were offering at the timeBecause of the statutes of limitations in ***, oral contracts are disregarded, by the state of ***, after years of it being "accepted"Regardless of the *** account being sold to collection on the 27th of March, 2004, I honestly do not know how many times this account has been sold to different debt collector companies and I feel like I should not pay for the *** accountAlso, the account should be completely terminated from my credit recordI believe that something of this nature--to which I did not accept to--should have been removed years agoI also believe that this misunderstanding should not be dragging my credit score for as long as it hasI want this account to be completely eliminated and resolvedI do not want my case to be sold to another debt collecting company like it has been for the last years; which is exactly what *** would do if this case doesn't get resolved as of this momentAll in all, I need this case to be removed and resolved as soon as possible.
As of regards with the phone calls, I do not agree with the statement of the operators being professional with meThere was one in particular that was very rude to meAs I was talking and trying to explain my situation or my case to the FEMALE operator, she did let me finish my sentences and talked over meI do not think that is polite at all under the circumstances of which I AM the customer or consumer and that female operator is getting paid to listen, try to sympathize, and resolve my caseI believe it is unprofessional to try to speak over the customer and not at lesat show as if there is some type of sympathy thereI also believe that it is unprofessional that she left me on hold for the while that she didI certainly did not have this issue with the male operator the second time I called the company.
Regards,*** *** ***
February 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 clientsDue to our client placing this delinquent account with DRS, the company then has a permissible purpose to create an inquiry on the consumer’s creditThe Fair Credit Reporting Act (FCRA) is the law that governs inquiries such as theseIn compliance with the FCRA since the consumer has requested the removal of this inquiry, an inquiry deletion request has been submitted on their behalf.
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,
Compliance Administrator
Dynamic Recovery Solutions
***
*** ***
"Cambria","serif">
Consumer Operations Director
Revdex.com of the Upstate
North Church Street, Suite C
Greenville, SC
Dear*** ***,
We have read Ms ***’s complaint
and reviewed the account that has been placed with us by our client Dynamic Recovery Solutions (DRS) acknowledges
Ms*** disputes this debt. Per
company policy when a complaint of this nature is received we cease all
activity on the account in our office I
requested documentation to verify the debt in question, should it be available
we will send it to Ms***. After
documentation is sent there will be no further contact from Dynamic Recovery
Solutions.
DRS is a third party collection agency licensed in all applicable states
to collect on past due accounts for our clients. DRS always wants to acknowledge any
concerns a consumer expresses regarding these type of matters. If Ms*** has any further questions or concerns, we encourage
her to contact our Chief Compliance Officer *** *** ***.com We do apologize for any inconvenience that Ms
*** may have experienced
Regards,
*** ***
Compliance Representative
RE: Revdex.com Case No: *** Good afternoon *** *** Dynamic Recovery Solutions is a legitimate third party collection agency that collects on past due accounts for our clientsOur office received your account on 8-28-14, and no record of you being contacted by phoneHowever, on 9-4-we sent
a validation notice for the alleged debtThe validation notice is required by law, and explains your rights regarding the alleged debtFurther, it provides you with the option of disputing the alleged debt within days of receipt of the validation notification, and provides options for getting the alleged account resolvedDynamic Recovery Solutions does not engage in any fraudulent activity to misinform abuse or harass any consumerWe are currently licensed and bonded in all applicable states that require such licensing, and would receive severe penalties and fines for such fraudulent activityDynamic Recovery Solutions does acknowledge that the account is not within the statute of limitations, which would imply we had an intention to pursue legal action, and that is far from any current or future action on our behalfThe statutes of limitations provide a timeframe against you by a creditor to recoup their financial loss legallyThe monies are still owed after that timeframe has expiredPer 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 returned to our clientThere will be no further contact from Dynamic Recovery Solutions regarding this matterIf you have further questions or concerns, please feel free to contact the Compliance DepartmentWith Best Regards, *** *** Compliance Auditor***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and have determined that this does not resolve my complaint.
This business has promised to stop contacting me before and contact efforts resumed several months afterwardThus, before accepting that this issue is concluded a reasonable amount of time will have to elapseFurthermore, the company's response indicates they "may" have made a mistake and as such, do not feel they have fully investigated the complaint nor accepted that they have in fact made innumerable "mistakes."
Additionally, the company will be served with complaints from the *** Attorney General's Office, South Carolina Attorney General's office and Consumer Financial Protection Bureau about unwanted and mistaken contact from this companyThese complaints were additionally followed up with a certified letter of Notice to Cease and Desist, mailed today
Please make sure your client/accredited business understands I take unwanted contact very seriously and will not hesitate to pursue formal legal action pursuant to Federal Fair Debt Collection Practices Act (USC 1692c)
Regards,
*** ***
RE: *** ***, Complaint ID # ***
Dear ***
***,
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contactThe consumer’s account and phone numbers have been marked as cease and desistIf they receive any further contact they can utilize our website, Dynamicrecovery.com/dispute as a number may be associated with an account that does not be belong to them.
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. If *** *** perceived the actions of our agent in a negative way, we sincerely apologize.
If Dynamic Recovery Solutions, LLC (DRS) has placed a hard inquiry or tradeline on the consumer’s credit report, we will be more than happy to assist the consumer with removing thisWe need the date of the inquiryThe consumer may contact our Compliance Administrator at [email protected] to obtain assistance with this request
Per company policy when a complaint of this nature is received the account is placed in a “cease & desist” statusWe 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 Dynamic Recovery Solutions, LLC regarding this account
Sincerely,
*** ** *** **
Compliance Administrator
Dynamic Recovery Solutions
***
***
Revdex.com Case #: ***
Dynamic Recovery Solutions is a
legitimate third party collection agency that collects on past due accounts for
our
clients. Dynamic Recovery Solutions does not engage in any fraudulent
activity to misinform abuse or harass any consumerWe are currently licensed
and bonded in all applicable states that require such licensing, and would
receive severe penalties and fines for such fraudulent activity. Per
company policy when a complaint of this nature is received, the account is
placed in a "cease & desist" statusAlso, the
account has been CLOSED in
our office due to the consumer disputing the account, and returned to our
clientThere will be no further contact from Dynamic Recovery Solutions
regarding this matter
By law and in compliance
with the Fair Debt Collection Practices Act (FDCPA) DRS MUST permanently cease
communications in relation to this accountThere will be no further contact
with the consumer from Dynamic Recovery Solutions
Our hours
of operation: Monday-Friday from 8:00am EST - 8:45pm EST, and Saturday from
8:00am EST-1:00pm ESTIf the consumer has any further questions or concerns,
we encourage them to contact our customer service department at *** or our toll free telephone number at ***
*** ** ***
Revdex.com of
Upstate South Carolina (Greenville, SC)
North
Church Street, Suite C
Greenville, SC 29601-2164
Dear *** ** ***
We have read
*** *** complaint and reviewed the account that has been placed with us by
our clientDynamic Recovery Solutions acknowledges that *** *** is
disputing this account and requesting no further contact
Per company policy when a complaint of this nature is
received, we cease all activity on the account in our office and the file is
returned to our client
If *** ***
has any further questions or concerns, we encourage her to contact our Chief
Compliance Officer *** *** at ***
We do apologize for any inconvenience that *** *** may have
experienced
Regards,
*** ***
Compliance Representative
Revdex.com Case #: ***
"margin-bottom: 0.0001pt;"> Customer experience is our TOP
priority, and we are grateful that the consumer has brought this matter to our
attention. The consumer stated that she has never received any proof of
the alleged debt. DRS always want to acknowledge any concerns a consumer
expresses regarding these type of matters of disputing the account, and DRS did
send a validation letter in compliance with the Fair Debt Collections Practices
Act to the address on file, and has not been returned undeliverable to this
officeHowever, it appears to not be an accurate address for the consumer.
Per the Fair Credit Reporting Act the consumer does have several
rights under this Act, and one being the consumer has the right to dispute
incomplete or inaccurate information, and if you identify information in your
file that is incomplete or inaccurate, and report it to the consumer reporting
agency, the agency must investigate unless your dispute is frivolousAlso,
consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable informationInaccurate, incomplete or unverifiable information
must be removed or corrected, usually within daysHowever, a consumer
reporting agency may continue to report information it has verified as
accurateSubsequently, we have not violated any laws under this Act, and
permissible purpose to view the consumer’s report establishes a business
relationship regarding the alleged debt
Typically any contact information would be a part of the original contract that
was sold into collections, including, but not limited to, telephone number,
address, etcFurther, any personal identifiable information comes with
the file from our clientThe PII such as social security number, and/or date
of birth are normally accurate when the account is placed with our officePer
company policy, and the Fair Debt Collections Practices Act, the agent must
verify at least one piece of PII to ensure we are not divulging personal
information to an incorrect party, while this also protects the consumer’s
right to privacy
DRS always want to
acknowledge any concerns a consumer expresses regarding these type of matters
of disputing the account, and DRS has sent the dispute letter in compliance
with the Fair Debt Collections Practices Act.
The
initial correspondence is a validation notification as well, and has all
contents per Fair Debt Collections Practices Act, plus it also gave options to
resolve the debt, the notice included: •the amount of the debt; •the
name of the creditor to whom the debt is owed; • a statement that unless
the consumer, within thirty days after receipt of the notice, disputes the
validity of the debt, or any portion thereof, the debt will be assumed to be
valid by the debt collector; • a statement that if the consumer notifies the
debt collector in writing within the thirty-day period that the debt, or any
portion thereof, is disputed, the debt collector will obtain verification of
the debt or a copy of a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer by the debt collector;
and • a statement that, upon the consumer's written request within the
thirty-day period, the debt collector will provide the consumer with the name
and address of the original creditor, if different from the current creditor
• If the consumer notifies the debt collector in writing
within the thirty-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the name and
address of the original creditor, the debt collector shall cease collection of
the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or any copy of a judgment, or the name and address of
the original creditor, and a copy of such verification or judgment,
or name and address of the original creditor, is mailed to the consumer by the
debt collector. However, we do not house the original media in our office
Another request for media has been requested from our client on 3-25-2015, and
typically, it takes at minimum of at least 4-weeks if the original media is
available, we will forward the original media for your review.
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.
Dynamic Recovery Solutions
also accepts verbal cease & desistPer company policy when a complaint of
this nature is received, the account is placed in a "cease &
desist" statusAlso, the account has been CLOSED in our office, and no
further contact from Dynamic Recovery Solutions regarding this matterIf the
consumer has any further questions or concerns, we encourage them to contact
our customer service department at *** or our toll free
telephone number at ***
*** ***
"Cambria","serif">
Consumer Operations Director
Revdex.com of the Upstate
North Church Street, Suite C
Greenville, SC
Dear*** ***,
We have read Ms***’s complaint
and reviewed the account that has been placed with us by our clientDynamic
Recovery Solutions acknowledges that Ms*** wishes to no longer be
contacted by Dynamic Recovery Solutions Per company policy when a complaint of this
nature is received we cease all activity on the account in our office. There will be no further contact from Dynamic
Recovery Solutions
Dynamic Recovery Solutions is a third party collection agency licensed
in all applicable states to collect on past due accounts for our clients. DRS always wants to acknowledge any
concerns a consumer expresses regarding these type of matters. If Ms*** has any further questions or concerns, we
encourage her to contact our Chief Compliance Officer *** *** ***.comWe do apologize for any inconvenience
that Ms*** may have experienced
Regards,
*** ***
Compliance Representative
Good afternoon,
Dynamic Recovery Solution is a 3rd party collection agency, and does not own this accountThe original validation letter sent shows the current owner of this account *** and we requested the media received from that companyYour request to have the information removed from your consumer reports has been sent to the owners of the account regarding your requestDynamic Recovery Solutions will advise when this has been completed
*** ***
Consumer Operations Director
Revdex.com of the Upstate
North Church Street, Suite C
Greenville, SC
Dear *** ***,
We have read Mrs***
complaint and reviewed the account that has been placed with us by our clientDynamic Recovery Solutions acknowledges that Mrs*** is disputing this account stating it does not belong to her and to cease all contact to the phone number ***Per company policy when a complaint of this nature is received, we cease all activity on the account in our office and the file is returned to our clientIf Mrs*** has any further questions or concerns, we encourage her to contact our Chief Compliance Officer *** *** ** ***.com We do apologize for any inconvenience that Mrs*** may have experiencedRegards,
*** ***
Compliance Representative