[redacted]
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 and requesting no further contact except for the media
on the account that he has requested. 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, we cease all collection 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.
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]
February 5, 2014
'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164
RE: [redacted]
Dear [redacted]
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. Credit inquiries are permitted under the permissible purpose portion of the Fair Credit Reporting Act (FCRA). In compliance with the FCRA since the consumer is requesting this inquiry be removed, I have submitted an inquiry deletion request on their behalf. Since this is a requirement under the law please ask the consumer to provide the individual they spoke with and when regarding this inquiry removal. DRS records show only one phone call, and it did not include conversation surrounding a credit inquiry. This information would be greatly appreciated.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions has been made aware of the consumer's
dispute regarding a consumer report inquiry. The alleged account was referred
to Dynamic...
Recovery Solutions on 15 July 2014, sold into collections on 13
September 2010 by the original creditor for non-payment. Dynamic Recovery
Solutions was not aware of the consumer's bankruptcy status filed in November
2014 until the consumer spoke with one of our agents on 19 February 2015. The
consumer's account was recalled from our office on 27 January 2015 by our
client. The consumer states that they have never had any dealings with our
company or creditor, and that they have never had any contact. Dynamic Recovery
Solutions sent a validation notice on 14 August 2014 to the address of [redacted] and was not returned undeliverable to
date. The validation notification offers the ability to dispute the account,
and cease any further communication with the consumer. We also spoke with the
consumer on 13 August 2014, and at any interim the consumer could have advised
that they were disputing the account. Dynamic Recovery Solutions also accepts
verbal cease & desist. Dynamic Recovery Solutions has also requested that the consumer reporting agencies update the consumer's report accordingly.
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. The consumer also states that they attempted to contact the office, and the only time the calls are not answered are after hours.
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]
Greetings [redacted],
Customer service is our top priority, and we appreciate you bringing this to our attention. Typically, the original creditor...
will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years. Due to several business exchanges, it is possible that a mistake could have been made by erroneously contacting the wrong person, and we sincerely apologize for any inconvenience this may have caused on your behalf. Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. If you have further questions or concerns, please feel free to contact the Compliance Department.
With Best Regards,
[redacted]
Compliance Auditor[redacted]
Dynamic Recovery Solutions has received the consumer's complaint, DRS always wants to acknowledge any concerns a consumer expresses regarding this type of matter. Per company policy when a complaint of this nature is received, the accounts...
have been placed in a "cease & desist" status. The consumer will receive no further contact from Dynamic Recovery Solutions regarding these matters. We would also like to extend our apologies for any inconvenience this may have caused on the consumer's behalf. 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]
[redacted]
RevDex.com of Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear
[redacted]
We have reviewed the consumer’s
rejection to our initial response, and we sincerely apologize that it did not
meet the [redacted]’s expectations. It is not the intention of Dynamic
Recovery Solutions to intentionally harass or abuse any consumer by unwanted
contact. Per the FDCPA, when the consumer respectively asks that any
communications cease, DRS would be in violation if not adhered to. Please
advise the consumer that their account has been placed in an inactive status as
of June 11, 2015, and will no longer be serviced at Dynamic Recovery Solutions,
LLC. Our client has also been made aware of the consumer’s concerns with
thorough documentation.
If [redacted] has any further
questions or concerns, we encourage him to contact our Chief Compliance Officer
[redacted] at [redacted]. We
do apologize for any inconvenience that [redacted] may have experienced.
Regards,
It is alleged in responce by the business that I have contacted them to advise that the debt in question was discharged in Chapter 7 Bancruptcy. That's not true.
- On May 16th, 2014, [redacted] contacted our office. he told the representative that if the debt was before 2004, it was "probably discharged in a chapter 7 bankruptcy." If [redacted] has been through a bankruptcy, he's aware that we, by law, cannot collect on this account. When our representatives are told that there is or possibly could be a bankruptcy involved, in compliance with the law,the account is marked as "CEASE & DESIST", and we mark all phone numbers associated with the account as "DO NOT CALL", so there can be no further collection attempts made. Dynamic Recovery Solutions (LLC) has no desire or intent to do anything to violate collection laws.
Since I don't know what debt the agency was trying to collect there was no way for me to definitively state that it was discharged in Chapter 7 Bancruptcy.
-[redacted] was sent documentation on May 7th, 2014, in accordance with FDCPA guidelines. The letter you received sent to the address of[redacted], is by definition of the law a validation notice. This should be enough information to verify the debt. He acknowledged receipt of the letter on the call he made to our office on May 16th, 2014. The letter he was sent would have all of the details regarding the debt on the front page of the letter.
What I did was asking them to provide any verification of the debt. At some point during conversation the agency admitted that they have no record of alleged debt except that it is dated from year 2001. At this point I replied that IF THERE WAS ANY DEBT AT ALL IT WOULD HAVE BEEN DISCHARGED IN 2004, WHEN I HAD CHAPTER 7 BANCRUPTCY FILED AND DISCHARGED IN FEDERAL COURT OF NEW JERSEY. I did NOT say that the debt they allege I owe them was discharged as well, because I DO NOT KNOW WHAT DEBT THIS AGENCY REFERS TO. When agency claimed to be a "Third party collector" , I demanded them (including IN WRITING) to VALIDATE and to provide me with full contact information of current onwer of the alleged debt. As of this day I DO NOT HAVE THIS INFORMATION, even though I have requested it from the agency.
Dynamic Recovery Solutions IS a third party collection agency that collects on past due accounts for our clients. As previously stated in the first response, when [redacted] initially asked for the validation, we updated the account to generate the requested documentation. A request for the documentation was submitted, and to our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS ceased collection efforts. At this point,the account is no longer in our office. It has been closed in our office and returned to our client. The account may still be viewable on our website, www.gotodrs.com. If [redacted] wishes to verify the account through the website, the current account number is :[redacted], and the password he will need is the last four digits of his Social Security Number. Also, if the consumer chooses to go to the website to verify the account, please do not construe that as a request for payment. We have ceased collection efforts.
The agency also committed a major violation of law IF IT INDEED tried to collect the debt which was discharged in Chapter 7 Bancruptcy case and I intend to use ALL LEGAL MEANS available to me to pursue this matter in Court of Law. I hereby requestFULL DISCLOSURE of all the information from the agency, including the full contact information of the current owner of the alleged debt and full disclosure/itemization of the account numbers/debt that I allegedly owed them.
-On the phone call made on May 16th, [redacted] states we attempted to collect on the debt after we were told it was part of a bankruptcy. This is false. Once we were alerted that this could have potentially been part of a bankruptcy, we CLOSED the account in our office and forwarded it back to our client with notation on the account to CEASE & DESIST because of the potential bankruptcy. No further collection efforts were made after the bankruptcy was acknowledged. If the consumer perceived the conversation with Dynamic Recovery Solutions LLC, differently, we do apologize for any confusion. A letter stating the account is closed will be sent to the consumer.
February 19, 2014
'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164
RE: [redacted]
Dear [redacted]
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. Due to our client placing this delinquent account with DRS, the company then has a permissible purpose to create an inquiry on the consumer’s credit. The Fair Credit Reporting Act (FCRA) is the law that governs inquiries such as these. In compliance with the FCRA since the consumer has requested the removal of this inquiry, and 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.
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 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. DRS always want to acknowledge any
concerns a consumer expresses regarding these type of matters..
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
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]
Revdex.com:
I have reviewed the response made by the business in reference to complaint...
ID [redacted] and have determined that this does not resolve my complaint. I have not retained an attorney to represent me. I drafted the legal petition/complaint myself without the help of an attorney and only made the threat of litigation. To date, the legal comlaint remains unfiled. Again, I have no attorney. I wish for the business to respond to the issues I've raised. I've alleged they broke federal privacy laws, namely the TCPA (47 U.S.C. § 227b et seq.), and provided proof. They have an obligation to answer as to why. I've still yet to be informed of how my cellular telephone number ended up in their dialing system, which was also a portion of my Revdex.com complaint.
Please inform the business, Dynamic Recovery Solutions, LLC, that I have not retained an attorney and that their response was wholly unsatisfactory.
Also, Please have them clarify how they came to the conclusion that they thought I had an attorney representing me. Again, I do not.
Regards,
[redacted]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
size="3">Greenville, SC 29601-2164
Dear [redacted],
We have read
Mr. [redacted]’ complaint and reviewed the accounts that have been placed with us by
our clients. Dynamic Recovery Solutions acknowledges that Mr. [redacted] is requesting
no further contact from our company.
Per company policy when a complaint of this nature is received,
we cease all activity on the accounts in our office and the files are returned
to our client.
If Mr. [redacted]
has any further questions or concerns, we encourage him to contact our Chief
Compliance Officer [redacted] at [redacted].com. We do apologize for any inconvenience that Mr. [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
[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] complaint and reviewed the account that has been placed with us by
our client. Dynamic Recovery Solutions acknowledges that [redacted] is disputing
this account due to her belief that it was fraudulently opened and requesting
no further contact.
In reference
to [redacted] complaint Dynamic Recovery Solutions does not do any type of
credit reporting.
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.
[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 is a collection agency that collects on past due accounts for our clients. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years. Due to several business exchanges, it is possible that a mistake could have been made. Therefore we do apologize for contacting Ms. Prichard and any inconvenience this may have caused.However she did not disclose her phone number to be removed from our system.
Per company policy when a complaint of this nature is received the number is placed in a “cease & desist” status. We have flagged it accordingly and have informed our client the contact information was incorrect. There will be no further contact with the consumer from Dynamic Recovery Solutions on this number. DRS would like to thank you, the Consumer for bringing the discrepancy to our attention.
Sincerely,
Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate collection agency that collects on past due accounts for our clients. Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. We performed an extensive search of our system...
with the information that we were provided from [redacted], and we have no record of a [redacted] in [redacted]. If [redacted] can provide the phone number she is being contacted on, we will be more than happy to put the telephone number in a "cease & desist" status, so she stops receiving phone calls. Sincerely,[redacted] Compliance Administrator Dynamic Recovery Solutions [redacted]
Dynamic Recovery Solutions LLC 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.
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 reviewed this phone call, and I sincerely apologize for the behavior of the agent who handled this call. Further discipline action has been taken for the way the call was handled.
To our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS will cease collection efforts. 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, LLC (DRS) in regards to this matter.
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions has received the consumer's concern regarding their consumer report. The alleged account was sold into collections on 18 January 2010 by [redacted]. DRS has also taken the necessary steps to update the consumer's report as of 8 April 2015,...
this update could possibly take up to 7 business days.
Dynamic Recovery Solutions would like to extend our sincere apologies regarding this matter, and any inconvenience it may have caused the consumer. 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].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.
The fact that you can't locate my name in your records is proof enough that you had no business in my credit report. I would like for your company to never access my credit report again. You have
caused damage that you aren't willing to own up to. I have worked hard to maintain good credit and your business has caused a false reflection of this.
Regards,
[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
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 and requesting no further contact except for the media
on the account that he has requested. 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, we cease all collection 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
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]
February 5, 2014
'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164
RE: [redacted]
Dear [redacted]
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. Credit inquiries are permitted under the permissible purpose portion of the Fair Credit Reporting Act (FCRA). In compliance with the FCRA since the consumer is requesting this inquiry be removed, I have submitted an inquiry deletion request on their behalf. Since this is a requirement under the law please ask the consumer to provide the individual they spoke with and when regarding this inquiry removal. DRS records show only one phone call, and it did not include conversation surrounding a credit inquiry. This information would be greatly appreciated.
Sincerely,
[redacted]
Compliance Administrator
Dynamic Recovery Solutions
[redacted]
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions has been made aware of the consumer's
dispute regarding a consumer report inquiry. The alleged account was referred
to Dynamic...
Recovery Solutions on 15 July 2014, sold into collections on 13
September 2010 by the original creditor for non-payment. Dynamic Recovery
Solutions was not aware of the consumer's bankruptcy status filed in November
2014 until the consumer spoke with one of our agents on 19 February 2015. The
consumer's account was recalled from our office on 27 January 2015 by our
client. The consumer states that they have never had any dealings with our
company or creditor, and that they have never had any contact. Dynamic Recovery
Solutions sent a validation notice on 14 August 2014 to the address of [redacted] and was not returned undeliverable to
date. The validation notification offers the ability to dispute the account,
and cease any further communication with the consumer. We also spoke with the
consumer on 13 August 2014, and at any interim the consumer could have advised
that they were disputing the account. Dynamic Recovery Solutions also accepts
verbal cease & desist. Dynamic Recovery Solutions has also requested that the consumer reporting agencies update the consumer's report accordingly.
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. The consumer also states that they attempted to contact the office, and the only time the calls are not answered are after hours.
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]
RE: Revdex.com Case No:[redacted],
Greetings [redacted],
Customer service is our top priority, and we appreciate you bringing this to our attention. Typically, the original creditor...
will exhaust their collection attempts, and sell the defaulted account to a collection agency like Dynamic Recovery Solutions. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years. Due to several business exchanges, it is possible that a mistake could have been made by erroneously contacting the wrong person, and we sincerely apologize for any inconvenience this may have caused on your behalf. Per company policy when a complaint of this nature is received, the account is placed in a "cease & desist" status. Also, your account has been CLOSED in our office, and no further contact from Dynamic Recovery Solutions regarding this matter. If you have further questions or concerns, please feel free to contact the Compliance Department.
With Best Regards,
[redacted]
Compliance Auditor[redacted]
Dynamic Recovery Solutions has received the consumer's complaint, DRS always wants to acknowledge any concerns a consumer expresses regarding this type of matter. Per company policy when a complaint of this nature is received, the accounts...
have been placed in a "cease & desist" status. The consumer will receive no further contact from Dynamic Recovery Solutions regarding these matters. We would also like to extend our apologies for any inconvenience this may have caused on the consumer's behalf. 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]
[redacted]
RevDex.com of Upstate South Carolina (Greenville, SC)
408 North Church Street, Suite C
Greenville, SC 29601-2164
Dear
[redacted]
We have reviewed the consumer’s
rejection to our initial response, and we sincerely apologize that it did not
meet the [redacted]’s expectations. It is not the intention of Dynamic
Recovery Solutions to intentionally harass or abuse any consumer by unwanted
contact. Per the FDCPA, when the consumer respectively asks that any
communications cease, DRS would be in violation if not adhered to. Please
advise the consumer that their account has been placed in an inactive status as
of June 11, 2015, and will no longer be serviced at Dynamic Recovery Solutions,
LLC. Our client has also been made aware of the consumer’s concerns with
thorough documentation.
If [redacted] has any further
questions or concerns, we encourage him to contact our Chief Compliance Officer
[redacted] at [redacted]. We
do apologize for any inconvenience that [redacted] may have experienced.
Regards,
[redacted]
Compliance
Representative
In response to [redacted] statements:
It is alleged in responce by the business that I have contacted them to advise that the debt in question was discharged in Chapter 7 Bancruptcy. That's not true.
- On May 16th, 2014, [redacted] contacted our office. he told the representative that if the debt was before 2004, it was "probably discharged in a chapter 7 bankruptcy." If [redacted] has been through a bankruptcy, he's aware that we, by law, cannot collect on this account. When our representatives are told that there is or possibly could be a bankruptcy involved, in compliance with the law,the account is marked as "CEASE & DESIST", and we mark all phone numbers associated with the account as "DO NOT CALL", so there can be no further collection attempts made. Dynamic Recovery Solutions (LLC) has no desire or intent to do anything to violate collection laws.
Since I don't know what debt the agency was trying to collect there was no way for me to definitively state that it was discharged in Chapter 7 Bancruptcy.
-[redacted] was sent documentation on May 7th, 2014, in accordance with FDCPA guidelines. The letter you received sent to the address of[redacted], is by definition of the law a validation notice. This should be enough information to verify the debt. He acknowledged receipt of the letter on the call he made to our office on May 16th, 2014. The letter he was sent would have all of the details regarding the debt on the front page of the letter.
What I did was asking them to provide any verification of the debt. At some point during conversation the agency admitted that they have no record of alleged debt except that it is dated from year 2001. At this point I replied that IF THERE WAS ANY DEBT AT ALL IT WOULD HAVE BEEN DISCHARGED IN 2004, WHEN I HAD CHAPTER 7 BANCRUPTCY FILED AND DISCHARGED IN FEDERAL COURT OF NEW JERSEY. I did NOT say that the debt they allege I owe them was discharged as well, because I DO NOT KNOW WHAT DEBT THIS AGENCY REFERS TO. When agency claimed to be a "Third party collector" , I demanded them (including IN WRITING) to VALIDATE and to provide me with full contact information of current onwer of the alleged debt. As of this day I DO NOT HAVE THIS INFORMATION, even though I have requested it from the agency.
Dynamic Recovery Solutions IS a third party collection agency that collects on past due accounts for our clients. As previously stated in the first response, when [redacted] initially asked for the validation, we updated the account to generate the requested documentation. A request for the documentation was submitted, and to our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS ceased collection efforts. At this point,the account is no longer in our office. It has been closed in our office and returned to our client. The account may still be viewable on our website, www.gotodrs.com. If [redacted] wishes to verify the account through the website, the current account number is :[redacted], and the password he will need is the last four digits of his Social Security Number. Also, if the consumer chooses to go to the website to verify the account, please do not construe that as a request for payment. We have ceased collection efforts.
The agency also committed a major violation of law IF IT INDEED tried to collect the debt which was discharged in Chapter 7 Bancruptcy case and I intend to use ALL LEGAL MEANS available to me to pursue this matter in Court of Law. I hereby requestFULL DISCLOSURE of all the information from the agency, including the full contact information of the current owner of the alleged debt and full disclosure/itemization of the account numbers/debt that I allegedly owed them.
-On the phone call made on May 16th, [redacted] states we attempted to collect on the debt after we were told it was part of a bankruptcy. This is false. Once we were alerted that this could have potentially been part of a bankruptcy, we CLOSED the account in our office and forwarded it back to our client with notation on the account to CEASE & DESIST because of the potential bankruptcy. No further collection efforts were made after the bankruptcy was acknowledged. If the consumer perceived the conversation with Dynamic Recovery Solutions LLC, differently, we do apologize for any confusion. A letter stating the account is closed will be sent to the consumer.
Sincerely,
[redacted]Quality Assurance Coordinator
Dynamic Recovery Solutions,LLC
[redacted]
February 19, 2014
'Times New Roman', 'serif';">[redacted]
Dispute Resolution Director
Revdex.com of Upstate S.C.
408 North Church Street
Greenville, SC 29601-2164
RE: [redacted]
Dear [redacted]
Dynamic Recovery Solutions, LLC (DRS) is a collection agency that collects on past due accounts for our clients. Due to our client placing this delinquent account with DRS, the company then has a permissible purpose to create an inquiry on the consumer’s credit. The Fair Credit Reporting Act (FCRA) is the law that governs inquiries such as these. In compliance with the FCRA since the consumer has requested the removal of this inquiry, and 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
[redacted]%3
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 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. DRS always want to acknowledge any
concerns a consumer expresses regarding these type of matters..
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
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]
Revdex.com:
I have reviewed the response made by the business in reference to complaint...
ID [redacted] and have determined that this does not resolve my complaint. I have not retained an attorney to represent me. I drafted the legal petition/complaint myself without the help of an attorney and only made the threat of litigation. To date, the legal comlaint remains unfiled. Again, I have no attorney. I wish for the business to respond to the issues I've raised. I've alleged they broke federal privacy laws, namely the TCPA (47 U.S.C. § 227b et seq.), and provided proof. They have an obligation to answer as to why. I've still yet to be informed of how my cellular telephone number ended up in their dialing system, which was also a portion of my Revdex.com complaint.
Please inform the business, Dynamic Recovery Solutions, LLC, that I have not retained an attorney and that their response was wholly unsatisfactory.
Also, Please have them clarify how they came to the conclusion that they thought I had an attorney representing me. Again, I do not.
Regards,
[redacted]
[redacted]
Revdex.com of Upstate South Carolina (Greenville,
SC)
408 North Church
Street, Suite C
size="3">Greenville, SC 29601-2164
Dear [redacted],
We have read
Mr. [redacted]’ complaint and reviewed the accounts that have been placed with us by
our clients. Dynamic Recovery Solutions acknowledges that Mr. [redacted] is requesting
no further contact from our company.
Per company policy when a complaint of this nature is received,
we cease all activity on the accounts in our office and the files are returned
to our client.
If Mr. [redacted]
has any further questions or concerns, we encourage him to contact our Chief
Compliance Officer [redacted] at [redacted].com. We do apologize for any inconvenience that Mr. [redacted] may have
experienced.
Regards,
[redacted]
Compliance
Representative
[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] complaint and reviewed the account that has been placed with us by
our client. Dynamic Recovery Solutions acknowledges that [redacted] is disputing
this account due to her belief that it was fraudulently opened and requesting
no further contact.
In reference
to [redacted] complaint Dynamic Recovery Solutions does not do any type of
credit reporting.
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
March 4, 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 is a collection agency that collects on past due accounts for our clients. In the collections industry our client may sell their unpaid accounts several times and to several different businesses over the years. Due to several business exchanges, it is possible that a mistake could have been made. Therefore we do apologize for contacting Ms. Prichard and any inconvenience this may have caused.However she did not disclose her phone number to be removed from our system.
Per company policy when a complaint of this nature is received the number is placed in a “cease & desist” status. We have flagged it accordingly and have informed our client the contact information was incorrect. There will be no further contact with the consumer from Dynamic Recovery Solutions on this number. DRS would like to thank you, the Consumer for bringing the discrepancy to our attention.
Sincerely,
[redacted]Dynamic Recovery Solutions
Dear [redacted], Dynamic Recovery Solutions, LLC (DRS) is a legitimate collection agency that collects on past due accounts for our clients. Dynamic Recovery Solutions, LLC (DRS) has no desire to reach out to an individual who does not want contact. We performed an extensive search of our system...
with the information that we were provided from [redacted], and we have no record of a [redacted] in [redacted]. If [redacted] can provide the phone number she is being contacted on, we will be more than happy to put the telephone number in a "cease & desist" status, so she stops receiving phone calls. Sincerely,[redacted] Compliance Administrator Dynamic Recovery Solutions [redacted]
RE: [redacted], Complaint ID#[redacted]
Dear [redacted],
Dynamic Recovery Solutions LLC 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.
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 reviewed this phone call, and I sincerely apologize for the behavior of the agent who handled this call. Further discipline action has been taken for the way the call was handled.
To our knowledge our client does not have the requested documents. Therefore in compliance with the Fair Debt Collection Practices Act (FDCPA) DRS will cease collection efforts. 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, LLC (DRS) in regards to this matter.
Sincerely,
[redacted]Compliance Administrator
Dynamic Recovery Solutions
[redacted]
Revdex.com Case #: [redacted]
Dynamic Recovery Solutions has received the consumer's concern regarding their consumer report. The alleged account was sold into collections on 18 January 2010 by [redacted]. DRS has also taken the necessary steps to update the consumer's report as of 8 April 2015,...
this update could possibly take up to 7 business days.
Dynamic Recovery Solutions would like to extend our sincere apologies regarding this matter, and any inconvenience it may have caused the consumer. 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].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.
The fact that you can't locate my name in your records is proof enough that you had no business in my credit report. I would like for your company to never access my credit report again. You have
caused damage that you aren't willing to own up to. I have worked hard to maintain good credit and your business has caused a false reflection of this.
Regards,
[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]