Good afternoon [redacted], We sincerely apologize that you have not received a satisfactory closure to your concern. However, Dynamic Recovery Solutions, LLC (DRS) is a third-party debt collection agency that is contracted and collects on past due accounts for our clients. In the collections industry our client may contract their unpaid accounts for collection several times to several different businesses over the years, and eventually sell the debt. We have an obligation to first you the consumer, and secondly, our client. You were not intentionally given any false information regarding documentation being sent upon your request. Unfortunately, we do not keep the media in house, and have to request such media from our client, and that process can take up to 2-3 weeks if media is available. If the media is not available from our client you should receive that information in writing. Further, the account has been “CLOSED.” In addition, the complaint and information has been forwarded to the owner of the alleged debt. Dynamic Recovery Solutions, LLC will make no further attempt to contact you over this matter. It is our sincere desire that this response will satisfy your concern. Thanking you in advance. [redacted] Compliance Auditor
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions, LLC (DRS) 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 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.
We are required by the Fair Debt Collections Practices Act
to send validation notification within a particular time frame in regards to
the alleged debt to provide options and/or the rights of the consumer to
dispute the account. It appears that the consumer was only sent one letter on
17 January 2015. DRS have not sent any further correspondence to the
consumer with any demands for payment beyond that point. Further, this notice
gives the consumer several rights, and according to the Fair Debt Collections
Practices Act; debt validation letter must include the following information:
• 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. The account was referred to our
office on 13 January 2015 the account was opened 26 July 2011, and sold into
collections 4 January 2012.
Dynamic Recovery Solutions acknowledges your dispute, and
will handle accordingly. Dynamic Recovery Solutions has also requested to
have the soft inquiry removed from your consumer report, which typically does
not show as a hard inquiry, and only visible to the consumer, and the company
that viewed the information. This process may take up to 5-7 business days to
update the consumer report.
Dynamic Recovery Solutions is a 3rd party
collection agency. Therefore, we do not have immediate access to the original
media documents requested. DRS will 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 media 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.
There will be no further
contact with you from Dynamic Recovery Solutions except to advise that
we have flagged the account accordingly, and it has been closed in
our office and returned to our client.
Dynamic Recovery Solutions also accepts verbal cease &
desist. Per company policy when a complaint of this nature is received, the
account is placed in a "cease & desist" status. Also, the account
has been CLOSED in our office, and no further contact from Dynamic Recovery
Solutions regarding this matter. If the consumer has any further questions or
concerns, we encourage them to contact our customer service department at
[redacted] or our toll free telephone number at
[redacted]. e 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. The account was referred to our office on 13 January 2015, the account was opened 26 July 2011, and sold into collections 4 January 2012.
Dynamic Recovery Solutions acknowledges your dispute, and
will handle accordingly. Dynamic Recovery Solutions has also requested to
have the soft inquiry removed from your consumer report, which
typically does not show as a hard inquiry, and only visible to the consumer, and the company that viewed the information. This process may take up to 5-7
business days to update the consumer report.
Dynamic
Recovery Solutions is a 3rd party collection agency.
Therefore, we do not have immediate access to the original media documents
requested. DRS will 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 media 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.
There
will be no further contact with you from Dynamic Recovery
Solutions except to advise that we have flagged the account accordingly, and it
has been closed in our office and returned to our
client.
Dynamic Recovery Solutions also
accepts verbal cease & desist. Per company policy when a complaint of this
nature is received, the account is placed in a "cease & desist"
status. Also, 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 [redacted] or our toll free telephone number at
[redacted]
Dear[redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clients. We sincerely apologize that you were contacted in error regarding this account. Per company policy when a complaint of this nature is received the...
account is placed in a “cease & desist” status due to a confirmed bankruptcy. We have flagged the account accordingly. It has been closed in our office and returned to our client. There will be no further contact with the consumer from Dynamic Recovery Solutions regarding this account. With best regards, [redacted] Compliance Auditor [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is SOMEWHAT satisfactory to me. HOWEVER, I would like to point out, that any "debt" that Dynamic Recovery Solutions (DRS) states that I have, is WELL BEYOND the Statute of Limitations for my state, for LEGAL collection. They FAILED to respond to that in their reply.
Also, they FAILED to address the fact that they are ILLEGALLY acquiring people's information via credit bureaus by doing "promotional" inquiries. Unless they are attempting to LEGALLY sell me something, their classification for the credit bureau is ILLEGAL. Therefore, they are ILLEGALLY OBTAINING PEOPLE'S INFORMATION IN ORDER TO GET PHANTOM DEBTS PAID.
DRS is being investigated by the Florida Department of Consumer Protection for FRAUDULENT ACTIVITY.
Please pass this along to the "business".
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]
[redacted]y
face="Times New Roman" size=3>
Revdex.com of Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted],
We have read [redacted]’s complaint and reviewed the account that has been placed with us by our client. Dynamic Recovery Solutions (DRS) acknowledges that [redacted] is disputing this account. 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.
We have requested that this account be removed from [redacted]s credit report.
If [redacted] has any further questions or concerns, we encourage her to contact our Chief Compliance Officer at [redacted]. We do apologize for any inconvenience that [redacted] may have experienced.
Dynamic Recovery Solutions, LLC
(DRS) is a legitimate third party collection agency that collects on past due
accounts for our clients. We acknowledge that you are disputing this
account. Unfortunately, the industry of debt collections can...
at times receive
accounts from our clients where contact information is either incorrect and/or
outdated. The agency then uses a process called acquisition of location
information (skip tracing) to acquire correct up to date information, and it
can be incorrect as well attaching your name to an incorrect account. 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 by
erroneously contacting the consumer after the alleged account had been
previously paid. We sincerely apologize for any inconvenience this may have
caused on your behalf. Dynamic Recovery Solutions does not engage in any
fraudulent activity or identity theft. 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. Our company exists because
there are consumer’s who get into issues where they were at one time unable to
pay their alleged bills, and many WANT to get back on track for a fresh start
financially, and we are here to assist in a smooth transition. Per company
policy when a complaint of this nature is received, the account is placed in a
"cease & desist" status. Also, 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 [redacted] or our toll free
telephone number at [redacted].
[redacted]
face="Calibri">Revdex.com of
Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted]
We have read
[redacted]’s complaint and reviewed the account that has been placed with us by
our client. Dynamic Recovery Solutions acknowledges that [redacted] is
disputing this account. 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 [redacted] has any further questions or concerns, we
encourage her to contact our Chief Compliance Officer [redacted] at r[redacted] We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
Revdex.com Case #: [redacted],
Good morning [redacted],
Dynamic Recovery Solutions, LLC (DRS) 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 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.
We are required by the Fair Debt Collections Practices Act to send validation notification within a particular time frame in regards to the alleged debt to provide options and/or your right to dispute the account. It appears that we attempted to send those notices on two separate occasions: 3 March 2014, and 12 September 2014 to the address of: [redacted], and we have not received them returned to this office as undeliverable mail. The alleged account was referred to our office on 7 June 2013, and information reported shows that the account was opened on 30 May 2008, and went into default 13 August 2008 (sold into collections). Further, this notice gives you several rights, and according to the Fair Debt Collections Practices Act; debt validation letter must include the following information:
• 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.
We acknowledge that you are disputing this account due to ID theft and fraud. Unfortunately, the industry of debt collections can at times receive accounts from our clients where contact information is either incorrect and/or outdated. The agency then uses a process called acquisition of location information (skip tracing) to acquire correct and/or current information, and it can be incorrect as well, in spite of due diligence efforts for accurate information.
Further, you stated that there was a toll free number of [redacted] on your consumer report to contact that agency. However, that is not one of our telephone numbers used on consumer reports, [redacted] is typically the one listed answered by a live representative.
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 frivolous. Also, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Subsequently, we have not violated any laws under this Act. We have also honored your request in updating your consumer report as requested.
Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. We sincerely apologize for any inconvenience this may have caused on your behalf. 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]
Dear[redacted], Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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” 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 Dynamic Recovery Solutions, LLC regarding this account. Sincerely, [redacted] Compliance Administrator Dynamic Recovery Solutions[redacted]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
Greenville, SC 29601-2164
class="Default">
Dear [redacted],
We have read [redacted] complaint and reviewed the account
that has been placed with us by our client. Customer experience is our top
priority, and we are grateful that the [redacted] has brought this matter to our
attention. Dynamic Recovery Solutions (DRS) is a third party collection agency
that services accounts for our clients, and does not engage in any fraudulent
activity to misinform abuse or harass any consumer.
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 [redacted]
has any further questions or concerns, we encourage her to contact our Chief
Compliance Officer [redacted] at [redacted].
We do apologize for any inconvenience that [redacted] may have
experienced.
RE: [redacted], Complaint ID#[redacted]
'serif'; mso-bidi-font-size: 12.0pt;">Dear [redacted],
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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” 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 Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
RE: [redacted], Complaint ID#[redacted]
'serif'; mso-bidi-font-size: 12.0pt;"> Dear [redacted]
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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” 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 Dynamic Recovery Solutions, LLC regarding this account.
We have exhausted all avenues in locating an account for Mr. [redacted] based on the information provided.If Mr. [redacted] could provide DRS with more information we would be more than happy to search our
records.
Thank...
Revdex.com Case #: [redacted]
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 that would harm or abuse 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.
The consumer stated that they
have never had a [redacted] account. I have attached several telephone numbers
associated with current and/or prior addresses for the consumer, and possibly
some family members. Oftentimes, due to several business transactions it
is quite possible that the consumer would not recognize the creditor as
stated. Many times companies make business decisions to recoup their
losses and/or increase gains where they will undergo acquisitions and/or
mergers with other companies. It is quite possible that the consumer does not
recognize [redacted] as the creditor due to potential mergers. It is also quite
possible that due to the consumer’s military career and the constant duty
requirements the consumer did not receive all correspondence being sent in a
timely manner.
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 3-23-2015, and
typically, it takes at minimum of at least two 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 & desist. Per company policy when a complaint of
this nature is received, the account is placed in a "cease &
desist" status. Also, the account has been CLOSED in our office, and no
further contact from Dynamic Recovery Solutions regarding this matter. If the
consumer has any further questions or concerns, we encourage them to contact
our customer service department at [redacted] or our toll free
telephone number at [redacted].
RE: Revdex.com Case #[redacted] Dear [redacted], Dynamic Recovery Solutions 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 made, and we 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" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. With Best Regards, [redacted] Compliance Auditor[redacted]
RE: [redacted], Complaint ID#[redacted]
'serif';">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.
February 19, 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 been able to contact the consumer once on 11/22/13. After this conversation the consumer mailed his dispute letter which DRS received on 12/26/13. In accordance with the Fair Debt Collection Practices Act (FDCPA) DRS ceased collection efforts, until the requested information could be provided. Therefore DRS is not actively pursuing the consumer for this balance. If this is not fact please ask the consumer to provide the number that we called them on after 11/22/13 as it needs to be marked as “Do Not Call” in our system.
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 a notation of this complaint. 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]
AS LONG AS THEY REMOVE DISPUTED ACCOUNT AND I DON;T HEAR FROM THEM EVER AGAIN.
I also want to thank Revdex.com for their quick, efficient service.
Revdex.com Case #: [redacted]
Dynamic
Recovery Solutions has been made aware of the consumer's dispute regarding the alleged account. It appears that the alleged account was referred to...
Dynamic Recovery
Solutions on 18 November 2014, sold into collections on 29 May 2007 by the original
creditor for non-payment, which appears to have been a [redacted] credit card originally. Dynamic Recovery Solutions sent the consumer on 5 December 2014 to [redacted] which offers the consumer the ability to dispute the account, and cease any further communication with the consumer. The consumer apparently received this notification as he made an online written dispute to our customer service department on 12 December 2014. Dynamic Recovery Solutions just wanted to clarify the mailing as the consumer states that we would not provide any information, while in fact, the consumer insisted on not receiving any further correspondence as the agent was trying to verify the consumers current address to send verification of the debt.
Dynamic Recovery Solutions also accepts verbal cease & desist, and this office has no affiliation with any entity named "Alexander and Associates out of Kansas. Dynamic Recovery Solutions corporate office is lodged in South Carolina. Dynamic Recovery Solutions is not a litigious company, and would not by any means made the implication of placing any type of lien on property.
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 have personally monitored these calls, and the agent never made any threats or demand for payment by credit card or any other method of payment.
Per
company policy when a complaint of this nature is received, the account is
placed in a "cease & desist" status. Also, the account has been
CLOSED in our office, and no further contact from Dynamic Recovery Solutions
regarding this matter.
Dynamic
Recovery Solutions hours of operation are: Monday - Friday 8:00 am till 9:00 pm
EST local time, and Saturday from 9:00 am till 1:00 pm EST local time. If
the consumer has any further questions or concerns, we encourage them to
contact our customer service department at [redacted] or
our toll free telephone number at [redacted]
Good afternoon [redacted], We sincerely apologize that you have not received a satisfactory closure to your concern. However, Dynamic Recovery Solutions, LLC (DRS) is a third-party debt collection agency that is contracted and collects on past due accounts for our clients. In the collections industry our client may contract their unpaid accounts for collection several times to several different businesses over the years, and eventually sell the debt. We have an obligation to first you the consumer, and secondly, our client. You were not intentionally given any false information regarding documentation being sent upon your request. Unfortunately, we do not keep the media in house, and have to request such media from our client, and that process can take up to 2-3 weeks if media is available. If the media is not available from our client you should receive that information in writing. Further, the account has been “CLOSED.” In addition, the complaint and information has been forwarded to the owner of the alleged debt. Dynamic Recovery Solutions, LLC will make no further attempt to contact you over this matter. It is our sincere desire that this response will satisfy your concern. Thanking you in advance. [redacted] Compliance Auditor
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions, LLC (DRS) 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 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.
We are required by the Fair Debt Collections Practices Act
to send validation notification within a particular time frame in regards to
the alleged debt to provide options and/or the rights of the consumer to
dispute the account. It appears that the consumer was only sent one letter on
17 January 2015. DRS have not sent any further correspondence to the
consumer with any demands for payment beyond that point. Further, this notice
gives the consumer several rights, and according to the Fair Debt Collections
Practices Act; debt validation letter must include the following information:
• 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. The account was referred to our
office on 13 January 2015 the account was opened 26 July 2011, and sold into
collections 4 January 2012.
Dynamic Recovery Solutions acknowledges your dispute, and
will handle accordingly. Dynamic Recovery Solutions has also requested to
have the soft inquiry removed from your consumer report, which typically does
not show as a hard inquiry, and only visible to the consumer, and the company
that viewed the information. This process may take up to 5-7 business days to
update the consumer report.
Dynamic Recovery Solutions is a 3rd party
collection agency. Therefore, we do not have immediate access to the original
media documents requested. DRS will 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 media 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.
There will be no further
contact with you from Dynamic Recovery Solutions except to advise that
we have flagged the account accordingly, and it has been closed in
our office and returned to our client.
Dynamic Recovery Solutions also accepts verbal cease &
desist. Per company policy when a complaint of this nature is received, the
account is placed in a "cease & desist" status. Also, the account
has been CLOSED in our office, and no further contact from Dynamic Recovery
Solutions regarding this matter. If the consumer has any further questions or
concerns, we encourage them to contact our customer service department at
[redacted] or our toll free telephone number at
[redacted]. e 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. The account was referred to our office on 13 January 2015, the account was opened 26 July 2011, and sold into collections 4 January 2012.
Dynamic Recovery Solutions acknowledges your dispute, and
will handle accordingly. Dynamic Recovery Solutions has also requested to
have the soft inquiry removed from your consumer report, which
typically does not show as a hard inquiry, and only visible to the consumer, and the company that viewed the information. This process may take up to 5-7
business days to update the consumer report.
Dynamic
Recovery Solutions is a 3rd party collection agency.
Therefore, we do not have immediate access to the original media documents
requested. DRS will 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 media 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.
There
will be no further contact with you from Dynamic Recovery
Solutions except to advise that we have flagged the account accordingly, and it
has been closed in our office and returned to our
client.
Dynamic Recovery Solutions also
accepts verbal cease & desist. Per company policy when a complaint of this
nature is received, the account is placed in a "cease & desist"
status. Also, 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 [redacted] or our toll free telephone number at
[redacted]
Dear[redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate third party collection agency that collects on past due accounts for our clients. We sincerely apologize that you were contacted in error regarding this account. Per company policy when a complaint of this nature is received the...
account is placed in a “cease & desist” status due to a confirmed bankruptcy. We have flagged the account accordingly. It has been closed in our office and returned to our client. There will be no further contact with the consumer from Dynamic Recovery Solutions regarding this account. With best regards, [redacted] Compliance Auditor [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is SOMEWHAT satisfactory to me. HOWEVER, I would like to point out, that any "debt" that Dynamic Recovery Solutions (DRS) states that I have, is WELL BEYOND the Statute of Limitations for my state, for LEGAL collection. They FAILED to respond to that in their reply.
Also, they FAILED to address the fact that they are ILLEGALLY acquiring people's information via credit bureaus by doing "promotional" inquiries. Unless they are attempting to LEGALLY sell me something, their classification for the credit bureau is ILLEGAL. Therefore, they are ILLEGALLY OBTAINING PEOPLE'S INFORMATION IN ORDER TO GET PHANTOM DEBTS PAID.
DRS is being investigated by the Florida Department of Consumer Protection for FRAUDULENT ACTIVITY.
Please pass this along to the "business".
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]
[redacted]y
face="Times New Roman" size=3>
Revdex.com of Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted],
We have read [redacted]’s complaint and reviewed the account that has been placed with us by our client. Dynamic Recovery Solutions (DRS) acknowledges that [redacted] is disputing this account. 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.
We have requested that this account be removed from [redacted]s credit report.
If [redacted] has any further questions or concerns, we encourage her to contact our Chief Compliance Officer at [redacted]. We do apologize for any inconvenience that [redacted] may have experienced.
Regards,
[redacted]
Dynamic Recovery Solutions, LLC
(DRS) is a legitimate third party collection agency that collects on past due
accounts for our clients. We acknowledge that you are disputing this
account. Unfortunately, the industry of debt collections can...
at times receive
accounts from our clients where contact information is either incorrect and/or
outdated. The agency then uses a process called acquisition of location
information (skip tracing) to acquire correct up to date information, and it
can be incorrect as well attaching your name to an incorrect account. 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 by
erroneously contacting the consumer after the alleged account had been
previously paid. We sincerely apologize for any inconvenience this may have
caused on your behalf. Dynamic Recovery Solutions does not engage in any
fraudulent activity or identity theft. 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. Our company exists because
there are consumer’s who get into issues where they were at one time unable to
pay their alleged bills, and many WANT to get back on track for a fresh start
financially, and we are here to assist in a smooth transition. Per company
policy when a complaint of this nature is received, the account is placed in a
"cease & desist" status. Also, 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 [redacted] or our toll free
telephone number at [redacted].
[redacted]
face="Calibri">Revdex.com of
Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear [redacted]
We have read
[redacted]’s complaint and reviewed the account that has been placed with us by
our client. Dynamic Recovery Solutions acknowledges that [redacted] is
disputing this account. 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 [redacted] has any further questions or concerns, we
encourage her to contact our Chief Compliance Officer [redacted] at r[redacted] We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
Revdex.com Case #: [redacted],
Good morning [redacted],
Dynamic Recovery Solutions, LLC (DRS) 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 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.
We are required by the Fair Debt Collections Practices Act to send validation notification within a particular time frame in regards to the alleged debt to provide options and/or your right to dispute the account. It appears that we attempted to send those notices on two separate occasions: 3 March 2014, and 12 September 2014 to the address of: [redacted], and we have not received them returned to this office as undeliverable mail. The alleged account was referred to our office on 7 June 2013, and information reported shows that the account was opened on 30 May 2008, and went into default 13 August 2008 (sold into collections). Further, this notice gives you several rights, and according to the Fair Debt Collections Practices Act; debt validation letter must include the following information:
• 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.
We acknowledge that you are disputing this account due to ID theft and fraud. Unfortunately, the industry of debt collections can at times receive accounts from our clients where contact information is either incorrect and/or outdated. The agency then uses a process called acquisition of location information (skip tracing) to acquire correct and/or current information, and it can be incorrect as well, in spite of due diligence efforts for accurate information.
Further, you stated that there was a toll free number of [redacted] on your consumer report to contact that agency. However, that is not one of our telephone numbers used on consumer reports, [redacted] is typically the one listed answered by a live representative.
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 frivolous. Also, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Subsequently, we have not violated any laws under this Act. We have also honored your request in updating your consumer report as requested.
Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. We sincerely apologize for any inconvenience this may have caused on your behalf. 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]
Dear[redacted], Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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” 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 Dynamic Recovery Solutions, LLC regarding this account. Sincerely, [redacted] Compliance Administrator Dynamic Recovery Solutions[redacted]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
Greenville, SC 29601-2164
class="Default">
Dear [redacted],
We have read [redacted] complaint and reviewed the account
that has been placed with us by our client. Customer experience is our top
priority, and we are grateful that the [redacted] has brought this matter to our
attention. Dynamic Recovery Solutions (DRS) is a third party collection agency
that services accounts for our clients, and does not engage in any fraudulent
activity to misinform abuse or harass any consumer.
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 [redacted]
has any further questions or concerns, we encourage her to contact our Chief
Compliance Officer [redacted] at [redacted].
We do apologize for any inconvenience that [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
RE: [redacted], Complaint ID#[redacted]
'serif'; mso-bidi-font-size: 12.0pt;">Dear [redacted],
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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” 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 Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
RE: [redacted], Complaint ID#[redacted]
'serif'; mso-bidi-font-size: 12.0pt;"> Dear [redacted]
Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. The consumer’s account and phone numbers have been marked as cease and desist. If 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” 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 Dynamic Recovery Solutions, LLC regarding this account.
Sincerely,
[redacted]
Quality Assurance Coordinator
Dynamic Recovery Solutions
[redacted]
We have exhausted all avenues in locating an account for Mr. [redacted] based on the information provided.If Mr. [redacted] could provide DRS with more information we would be more than happy to search our
records.
Thank...
you
[redacted]
Compliance Team Lead
Revdex.com Case #: [redacted]
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 that would harm or abuse 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.
The consumer stated that they
have never had a [redacted] account. I have attached several telephone numbers
associated with current and/or prior addresses for the consumer, and possibly
some family members. Oftentimes, due to several business transactions it
is quite possible that the consumer would not recognize the creditor as
stated. Many times companies make business decisions to recoup their
losses and/or increase gains where they will undergo acquisitions and/or
mergers with other companies. It is quite possible that the consumer does not
recognize [redacted] as the creditor due to potential mergers. It is also quite
possible that due to the consumer’s military career and the constant duty
requirements the consumer did not receive all correspondence being sent in a
timely manner.
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 3-23-2015, and
typically, it takes at minimum of at least two 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 & desist. Per company policy when a complaint of
this nature is received, the account is placed in a "cease &
desist" status. Also, the account has been CLOSED in our office, and no
further contact from Dynamic Recovery Solutions regarding this matter. If the
consumer has any further questions or concerns, we encourage them to contact
our customer service department at [redacted] or our toll free
telephone number at [redacted].
RE: Revdex.com Case #[redacted] Dear [redacted], Dynamic Recovery Solutions 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 made, and we 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" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. With Best Regards, [redacted] Compliance Auditor[redacted]
RE: [redacted], Complaint ID#[redacted]
'serif';">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]
February 19, 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 been able to contact the consumer once on 11/22/13. After this conversation the consumer mailed his dispute letter which DRS received on 12/26/13. In accordance with the Fair Debt Collection Practices Act (FDCPA) DRS ceased collection efforts, until the requested information could be provided. Therefore DRS is not actively pursuing the consumer for this balance. If this is not fact please ask the consumer to provide the number that we called them on after 11/22/13 as it needs to be marked as “Do Not Call” in our system.
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 a notation of this complaint. 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]
AS LONG AS THEY REMOVE DISPUTED ACCOUNT AND I DON;T HEAR FROM THEM EVER AGAIN.
I also want to thank Revdex.com for their quick, efficient service.
Revdex.com Case #: [redacted]
Dynamic
Recovery Solutions has been made aware of the consumer's dispute regarding the alleged account. It appears that the alleged account was referred to...
Dynamic Recovery
Solutions on 18 November 2014, sold into collections on 29 May 2007 by the original
creditor for non-payment, which appears to have been a [redacted] credit card originally. Dynamic Recovery Solutions sent the consumer on 5 December 2014 to [redacted] which offers the consumer the ability to dispute the account, and cease any further communication with the consumer. The consumer apparently received this notification as he made an online written dispute to our customer service department on 12 December 2014. Dynamic Recovery Solutions just wanted to clarify the mailing as the consumer states that we would not provide any information, while in fact, the consumer insisted on not receiving any further correspondence as the agent was trying to verify the consumers current address to send verification of the debt.
Dynamic Recovery Solutions also accepts verbal cease & desist, and this office has no affiliation with any entity named "Alexander and Associates out of Kansas. Dynamic Recovery Solutions corporate office is lodged in South Carolina. Dynamic Recovery Solutions is not a litigious company, and would not by any means made the implication of placing any type of lien on property.
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 have personally monitored these calls, and the agent never made any threats or demand for payment by credit card or any other method of payment.
Per
company policy when a complaint of this nature is received, the account is
placed in a "cease & desist" status. Also, the account has been
CLOSED in our office, and no further contact from Dynamic Recovery Solutions
regarding this matter.
Dynamic
Recovery Solutions hours of operation are: Monday - Friday 8:00 am till 9:00 pm
EST local time, and Saturday from 9:00 am till 1:00 pm EST local time. If
the consumer has any further questions or concerns, we encourage them to
contact our customer service department at [redacted] or
our toll free telephone number at [redacted]