Priority One Resolutions

November 16, 2015In Re: *** ***Complaint ID: ***Dear ***:Priority One Resolutions (“Priority”) has reviewed the complaint referenced aboveWeappreciate the opportunity to respond.Priority is a collection agency and the owner and current creditor of a personal loan in Mr.***'s name for
collectionThe original creditor of the outstanding loan is *** ***LLC, and the loan was opened in January 2012.Priority would like to apologize that Mr*** did not receive the documentation he requestedfrom our officeAfter a thorough investigation, we have determined that is was a bona fide error onthe part of our correspondence departmentAt the time that we realized Mr*** had not received thedocumentation he has requested, we had already notated the account to reflect that Mr*** wasdisputing the outstanding loan, at which point all contact had been ceasedIt is our policy to cease anddesist all contact when we are informed by the consumer that the loan is not valid.We have not contacted Mr*** since October 30, 2015, when he informed us he did notbelieve the account was validWe will continue to treat Mr***'s complaint as a cease and desistand not contact him again regarding this matter.Please contact the undersigned if I can be of any further assistance in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
While Priority One implies that multiple agencies are in attempt to reach me, since discussing the matter with them directly on September 19, 2015, all calls have ceased and desist, which is evidence that only Priority One has contacted meAdditionally, phone records indicate that Priority One, and only Priority One, indeed attempted to contact me with incorrect information since August 20, When speaking with Priority One on September 19, information they had on file did not match my address nor place of business, either past or presentPriority One was unable to verify because they were in possession of incorrect information I am not sure where the business received this incorrect information and I hope it develops a better method of verification so that it does not continue to make allegations against individuals. I wish Priority One and its employees all the best in its future endeavors.
Regards,
*** ***

Priority One Resolutions (“Priority”) is in receipt of the complaint for *** ***referenced aboveWe appreciate the chance to respond to this matter.As stated previously, Ms***' account has been closed, and the original complaint hadbeen treated as a cease and desistNo further activity has occurred on this account since 11/12/2012.Although we cannot speak to other organizations, we can assure both your organization and Ms.*** that we at Priority followed all state laws; specifically the Fair Debt Collection Practices Act(FDCPA) when handling her claim.While we at Priority understand Ms***' concern, we believe we have done everything wecan to make sure that Ms***' requests have been addressedPlease feel free to contact theundersigned for any additional questions or concerns.Sincerely,Sherice MP***Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint referencedaboveWe appreciate the opportunity to respond.We are obligated to send a letter to a consumer with the same name as Ms***, and wereattempting to confirm both her address and identity to ensure the letter
reached the correct person.Calls made to Ms***, her place of employment, and any associates were made solely for thepurpose of obtaining and confirming location informationAll calls made during skip-tracing effortsare in compliance with federal law, specifically the Fair Debt Collection Practices ActWhile skiptracing,we take care not to disclose the purpose of our callAt no time did any of our representativesdisclose any of Ms***'s personal information, as previously stated, all calls placed were made inan attempt to locate Ms*** and confirm her identity.Unfortunately, we were never able to speak to Ms*** and therefore were unable to verifyher identityWe do no know why Ms*** refers to a debt in her complaint, as there was never anycontact with her and we ensure not to discuss the purpose of the call unless we verify that we arespeaking with the correct consumerPriority would also like to note that we are not a “scam” or afraudulent companyWe are a legitimate business registered in New York State, and we are all alsobonded in TexasNo calls have been placed to Ms*** or any associates since September 25,We will honor this complaint as a cease and desist and make no further attempts to contact Ms.*** regarding this matterWe regret not being able to resolve this matter with Ms*** directly,and welcome her to call our office if she would like to discuss this further.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) is in receipt of the complaint listed aboveWe appreciatethe opportunity to respond.Priority is a collection agencyWe were attempting to collect on a portfolio of unpaid personalloans, and one account in that portfolio included information for Ms***
Attached for theconvenience of your office and Ms*** is a verification of debt letter.We did place calls to Ms*** and her references in an attempt to obtain or confirm locationinformation for herWhen skip tracing, we take care not to disclose the purpose of our call, or to giveout our company name unless askedAs we never spoke to Ms***, merely left her a message, herstatement that she received a message without our company name is accurateAll skip tracing effortsare executed in compliance with federal law, specifically the Fair Debt Collection Practices Act.While we acknowledge that we did leave Ms*** a message, we must respectfully disagreewith the other points stated in her complaintMs***'s account was only placed in our office onOctober 28, We never contacted her in July of Also, as you can see from the attachedletter, the account in our office was opened in 2013, not We cannot speak to whether or not Ms.*** is receiving calls from other agencies, but we can assure her that these calls did not come fromour company.Secondly, at no point was Ms*** threatened with court, law enforcement, or any kind oflegal actionAgain, no one in our office actually spoke to Ms***, and the message she was leftwas fully within the guideline of the Fair Debt Collection Practices ActWe at Priority take theseaccusations very seriously, and if Ms*** or your office has any evidence that we are mistaken, wewould appreciate it being forwarded to us so appropriate disciplinary action can take place against theoffending representative.We have not contacted Ms*** since November 3, 2015, when we received this complaint.We will continue to treat this complaint as a cease and desist and not contact Ms*** againregarding this matter.Please do not hesitate to contact me if I can be of any further assistance.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Dear ***:Priority One Resolutions (“Priority”) has received and reviewed Ms***’s complaintThankyou for the opportunity to respond in kind.Ms*** previously filed a complaint with the Florida Office of Financial Regulation prior tofiling this complaintMr*** filed under the name
*** ***We previously responded tothat complaint with the below.Priority was attempting to contact a consumer with the same name as Ms*** to verifyher identity and location information to send her a letter as required by federal lawPriority did placesome calls to Ms*** in an attempt to locate the consumerAll skip-tracing efforts are incompliance with federal lawWe take great care training our representatives to not disclose anythingabout the purpose of our calls other than to locate the consumer, and to not disclose our company nameunless specifically askedAs Ms*** states in her complaint, Priority did not disclose thepurpose of our call as Ms*** was unwilling to verify any information with our representative.Unfortunately, we were not able to verify the identity of the consumer we were looking forAlldiscussions with Ms*** were an attempt to verify her identity to ensure we had the correctconsumerUnfortunately, we were unable to do so as Ms*** would not disclose anyinformation to our representative.We spoke with the representative that spoke with Ms***They adamantly deny Ms.***’s accusationsAll calls to Ms*** were solely in an attempt to locate a consumer.Our representatives do not threaten or harass consumersIf there is evidence otherwise, we ask that itis sent over so we may take appropriate disciplinary action.We appreciate your office informing us that Ms*** is a Florida resident and not theconsumer we were seekingWe have placed a filter on our phone system to ensure that there are nocalls placed within FloridaWe are not sure why it has allowed calls to be placed and we are workingwith our phone company to figure out the problem.The last time Priority spoke with Ms***, she informed our representative that she wouldbe having her attorney contact our officeAt that time, we ensured that all contact to Ms***was ceasedWe will continue to cease and desist all contact to Ms*** and can ensure her andyour office that no further contact will take place.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
The company still has not address "how they got my unlisted work-related work number that is on my credit report. But this company seems less-than-above-board, and I just do not want them to call me ever agian
Regards,
*** ***

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.We are grateful for the opportunity to respond.Priority is a collection agencyWe are also the current creditor and owner of a personal loan inMs***'s name for collectionThe original creditor of the
personal loan is *** *** ***, andthe last four digits of the original account number are Attached for your office's convenience isa verification of debt letter that was sent to Ms*** via email at her request on October 23, 2015.Priority would like to apologize for what appears to be a misunderstanding with Ms***.As you can see on the attached letter, *** *** *** is not who we are collecting for, but theoriginal creditor of the outstanding loanIt appears that this information was not properly conveyedduring the course of Ms***'s conversations with our officePriority does not know if a lender orlending service utilized *** *** *** in the course of this loan being obtainedAll informationwe have was verified before the account was placed in our officeWe have spoken with therepresentatives who spoke to Ms***, and are looking into appropriate ways to implementtraining so misunderstandings like this can be avoided in the future.Priority would like to note that we responded to Ms***'s request for documentation in atimely manner, and provided all information we needed to in accordance with federal lawWe do notknow why Ms*** feels our company is a “scam,” and we would like both Ms*** and youroffice to note that Priority is a legitimate agency operating under the guidelines of federal law,specifically the Fair Debt Collection Practices Act.Regardless, we will treat Ms***'s complaint as a cease and desist, and not contact heragain regarding this matter as she requestedWe welcome Ms*** to contact our office if shewould like to resolve this matter.Please do not hesitate to contact me if I can be of any further assistance in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Please see our attached response to complaint no: ***Priority One Resolutions (“POR”) has received and conducted an internal investigation of the complaint referenced above and appreciates the opportunity to respond. All calls made to Mr*** were for the purpose of verifying his
location and contact information as we are obligated to send a consumer with Mr***’s name a letterAll calls made to Mr*** and any other relatives were solely for the purpose of verifying this informationAll skiptracing efforts were done in compliance with federal law. POR reviewed Mr***’s claims in his complaint and we have to respectfully disagree with his account of what happenedMr*** claims that he had “received multiple phone calls” from POR on August 8, POR only placed a few calls to Mr*** and his references on August 10, Unfortunately there was never contact with Mr*** and we were unable to verify his informationNo further calls took place after August 10, We did speak with Mr***’s wife on the same day in our efforts to locate him, but were unable to obtain the necessary information and ceased all contact to Mr*** or his references, including his wife. POR spoke with the representative and the claims that Mr*** was threatened with legal action are completely unfoundedAs stated above, POR never spoke directly with Mr*** and all contact to anyone else was for the purpose of verifying his address and contact information. POR will treat this complaint as a cease and desist and not contact Mr***, or his family again regarding this matterWe are sorry we were unable to resolve this fully with Mr*** on his own. Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has reviewed the complaint listed aboveWe appreciatethe opportunity to respond.Priority is obligated to send a letter to a consumer with the same name as Mr***, andwere attempting to both confirm his address and his identity in order to make sure the
letter reachedthe correct individualAll calls made to Mr*** and his relatives were to obtain or confirmlocation information, and are made in compliance with federal law, specifically the Fair DebtCollection Practices Act (FDCPA).Priority must respectfully disagree with one point of Mr***'s complaintAt no pointdid anyone associated with our company threaten Mr*** or his relatives with legal action.Priority is not a legal or government agency, but a businessWe take great care to make sure all skiptracing efforts are made within the guidelines of the FDCPAPriority takes these accusationsseriously; we are not in the business of “threatening” consumers or their references, as this would becounterproductive to us conducting business.Unfortunately, we were never able to speak with Mr*** directly, and therefore wereunable to verify whether or not he is the consumer we were seekingRegardless, we will treat thiscomplaint as a cease and desist and not contact Mr*** or any of his references againregarding this matterWe welcome Mr*** to contact our office directly if he requires anymore information.Please do not hesitate to contact the undersigned if I can be of any further assistance.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Please see our attached response to this complaint Thank you.Priority One Resolutions (“POR”) has received and reviewed the complaint referenced above and appreciated the opportunity to respond.We are obligated to send a letter to a consumer with the same name as Ms***, and
were attempting to both confirm her address and her identity to ensure the letter reached the correct person. Calls made to Ms*** were to obtain or confirm location information and are made in conformity with federal law, specifically the Fair Debt Collection Practices Act (FDCPA)While skip-tracing, we take care to avoid disclosing our name, unless specifically asked, and to avoid disclosing that there is a debt involvedUnfortunately, we were unable to fully confirm Ms***’s identity.As stated above, we were unable to verify the consumer we were looking forHowever, we spoke with POR’s representative regarding Ms***’s allegations and the representative vehemently denies leaving deceitful messages with anyone, especially regarding this accountAny and all contact with third parties and messages left were made solely to confirm Ms***’s identity and obtain her location informationWe are not sure if Ms*** was receiving calls from other agencies at the same time and wish we could provide additional information.However, POR will treat Ms***’s complaint as a “cease and desist” and will not contact her or anyone associated with her again regarding this matterWe regret not having been able to resolve this entire matter with Ms*** directly.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
When I spoke to the representative I did say I would be Disputing because I know I did not make the loan in I did say the information was outdated I would not use an address that I was not a resident of in over yearsI did convey that I have other fraudulent claims in my name and I felt this could be one as well. I disputed the debt via certified mail in the allotted time as requested by the company
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
After consulting with Ms*** through a third party (local attorney's office) the debt in question may be from or 2010 which is way outside of the statute of limitations in Mississippi (years; MCA 15-1-& MCA 15-1-31). Additionally, it may not be Ms***'s, but another associate of hers who is currently in prison for other offenses. The company suggests that I was "a reference." I have had no contact with Ms*** since and there is no legal basis for "being a reference." The only way for the company to get my (work-related) cell phone number and bombard me with robocalls (calls) was to obtain my credit information (e.gskip-tracing) which they did (e.gthe cell number has been in use less than years). They are violating several federal and state statutes and they are not authorize to collect or contact in the State of Tennessee without license from Tennessee regulatory board. Since there has yet to be "harm" to me or to my immediate family, there can be no actionable response to any of the parties in question. What the company has in fact done is dredged up sensative issues from the past, some protected by a court decree and others that are deeper wounds. In no way am I connected to Ms*** and the company had no reasonable expectation that I did as required by the FDCPA. I cannot control what the CRAs accumulate in terms of "known associates" which originated from the CRAs regardless of what program and/or third party sources that the company used. The use of that credit information and the call to the cell phone may also be violations of federal law.Additionally, this may be a well orchastrated scam to defraud their victims and/or their associates to paying monies not legally owed. Their letter to the Revdex.com is insufficient to be an apology. It is smug and arrogant. I respectfully request that the company provide all information used in processing their debt claim and "how" they regard me as a "reference."
Thank you,
*** *** ***

November 19, 2015In Re: *** ***Complaint ID: ***Dear ***:Priority One Resolutions (“Priority”) has reviewed the complaint listed aboveWe appreciatethe opportunity to respond.Priority is a collection agency and the current creditor of outstanding personal loan in Mr.***'s name for
collectionThe original creditor of the personal loan is *** Capital LLC, and the lastdigits of the original account number are ***Attached for the convenience of your office is averification of debt letter, as well as a demand for payment letter.Priority must respectfully disagree with several points of Mr***'s complaintFirstly, we didprovide Mr*** with the name of company the loan originated withThe original creditor is ***Capital, which Mr*** names in his complaintWe believe this was simply a misunderstanding.Secondly, in our initial conversation with Mr***, he refused to provide or verify a current andvalid email address in order for us to send the correspondence he requestedWe at Priority take ourconsumer's privacy very seriously, and will not send any correspondence unless we can be assured itwill reach the correct consumerMr*** also informed us he would be disputing the debt during thecourse of his initial conversation with our representativesAt that point we notated the account toreflect that Mr*** did not believe he was responsible for this outstanding loanWe took Mr*** athis word, and therefore had no need to send him the attached demand letter, as we were not requestingpayment from him.Finally, we have monitored the recorded calls that Mr*** refers to in his complaintAt nopoint was Mr*** treated with anything but respect and professionalismThough we at Priority canunderstand his frustration with the situation, our investigation did not reveal any complianceinfractions, either with federal law (specifically the Fair Debt Collection Practices Act), or within ourown strict company guidelines.We had contact with Mr*** for only one day, on November 2, No calls have beenplaced since then, and we will continue to honor Mr***'s request as a cease and desist, and canassure both your office and Mr*** that he will not hear from us again regarding this matter.Please contact the undersigned if I can be of any further assistance in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One ResolutionsDelaware Ave, #4147Kenmore, NY

I'd like for them to quit calling me and my family basically harassing us for some debt that's untrue

National Principal Group (NP Group) is in receipt of the complaint referenced above in regards to Mr***. Thank you for giving us the opportunity to respond to this matterNP Group follows all federal law; specifically the Fair Debt Collection Practices Act (FDCPA). NP Group's
records reflect that during our skip tracing and location efforts we were attempting to locate a *** *** to send a required noticeNP Group respectfully disagrees with Mr***'s classification of our location attempts as "threatening"NP Group attempted to verify that we had the correct party on the phoneMs*** refused to verify his identityIn accordance with the law no information was released besides what is required by law. NP Group accepts Mr***'s complaint as a "Cease and Desist" and will not contact him again on this matter. Please feel free to contact us for any additional questions or concerns regarding this matter. Sincerely, Authorized Representative of NP Group

Priority One Resolutions (“Priority”) has received the complaint listed aboveThank you forthe opportunity to respond.Priority is a collection agency and the current creditor and owner of an unpaid personal loan inMs***'s name for collectionThe original creditor of the personal loan is SGQ,
Ltd, and the last 4digits of the original account number are Attached for the convenience of your office is averification of debt letter that was sent to Ms*** at her request.We spoke to Ms*** only once, on October 23, At this point, Ms*** verified that allinformation we have on file for her was accurate, and she requested that documentation be sent to hervia emailAt this time, we sent out the attached letter to [email protected] no point during this conversation did Mr*** tell us she would be disputing the debt orinform us that she did not believe it to be something that she owedHad she informed us of thisdirectly, Priority would have appropriately notated the account as disputed.We must disagree with Ms*** characterization of our company as “harassing” herself orothersWe placed calls to Ms*** and any other references on file only once, on October 23, 2015.No calls were made past that day, and no person associated with this account was contacted more thanonceUpon receipt of this complaint on October 26, 2015, our next business day, we immediatelynotated the account to show that Ms*** was disputing the validity of the debt, and no further callswere made.We regret not being able to resolve this with Ms*** directly, and welcome her to contact ouroffice if she would like to discuss the matter furtherMeanwhile, we will continue to treat thiscomplaint as a cease and desist and not contact Ms*** again regarding this matter.Please do not hesitate to contact me if you require any further information.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

To whom it may concern:Please see our attached response to complaint ID No.: ***.Thank you.Priority One Resolutions (“Priority”) is in receipt of the complaint referenced aboveThank you for giving us the opportunity to respond to this matter.Priority is a collection agency and the current
creditor of an unpaid account in Mr***’s nameThe original creditor of the personal loan Mr*** took out was *** *** *** ***The last four account number digits are ***We are attaching the verification of debt letter with our response that was to be sent to Mr*** at his request, however he submitted this complaint prior to our ability to do so.Priority only spoke with Mr*** on July 6, whereby he asked for the verification of debt, attached, and set up a payment planBefore we were able to get any documentation to him, he had called and asked to remove his payment plan until he received his verificationPriority’s representative was preparing to send verification to Mr*** when our manager received the current complaint before we had time to send the requested documentation to Mr***.We have honored Mr***’s request and removed the scheduled paymentsNo payments have been accepted to date, and none will, unless Mr*** calls into Priority to set up a new payment scheduleWe apologize this couldn’t be resolved directly with Mr*** and hope the attached information helps his concerns.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B***Authorized Representative of Priority One Resolutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I do not accept the response because I do not believe their excuse of ignorance, in regards to *** *** ***,, as I believe they knew exactly what they were doing They just got caught! I would also like to reiterate I never took out this loanThere is no record of any loan being deposited in the account they claim, as it did not even exist at the time. At best the people who run this company are incompetent and at worst criminals I personally believe its a combination of both They have about as much right to collect money from the victims in there so called " portfolio" as I do.They did not make or do not own any of these loans They are a scam! I would like to point out as further evidence from Caitlin's response when she stated," The information we used to verify MrF* as required by federal law was what was provided to the loan company when MrF* applied for the loan." Notice she used the word "applied" and not received his loan? That's because there never was one and they know it There was a time in my life many years ago when I regrettably went online to acquire a payday loan Any and all loans I received were paid back in full But this is how companies like Priority are getting specific information about consumersprobably from defunct or illegal payday loan companies like *** *** that have been shut down. Do not give this company one single penny! If you dispute it, they will go away because they have no legal right to collect any money from anyone They cannot even put it on your credit report because, again, they did not disperse or own these loans Hopefully the state of New York will handle their business and shut down Priority One Resolutions and all companies like them And I would encourage the Revdex.com and the proper authorities in the state of NY to use any or all this information as evidence If I could be of any further assistance to the Revdex.com please feel free to contact me
Sean F*

Hello!Attached, please see our response to complaint number [redacted]Please do not hesitate to contact us if we can be of further assistance in this matter.Sincerely,Priority One Resolutions Administration______________________________________________________________Dear [redacted]:Priority One...

Resolutions (“Priority”) is in receipt of the complaint referenced above. Thank you for giving us the opportunity to respond.We are obligated to send a letter to a consumer with the same name as Ms. [redacted], and calls made to Ms. [redacted], her work and her family were to obtain or confirm location information and are made in conformity with federal law. While skip-tracing, we take care to avoid disclosing our name, unless specifically asked. When we are unable to confirm the identity of the consumer we are speaking to, our representatives are to not give out any information other than what is allowed under federal law, including the documents that Ms. [redacted] sought.Unfortunately, we were unable to verify the consumer we were looking for as the consumer we spoke to refused to verify her identity and therefore, as stated above, no documentation both necessary to deliver, and as requested by Ms. [redacted], was able to be sent. Priority denies Ms. [redacted] claim that she “asked several times” for anything. Priority spoke with a consumer we believe may have been Ms. [redacted] on June 10, 2015 when someone called into Priority claiming to be an attorney requested our fax number. Priority’s representative complied with the request. Shortly after, on the same day, Priority received a fax from Ms. [redacted] asking that all contact cease, and no further contact has taken place since that time to Ms. [redacted], her employer, or her family. It should be noted, that Ms. [redacted] claimed in her correspondence, as well as in her complaint, that she has also filed complaints with the [redacted] and state Attorney General. Priority will continue to honor Ms. [redacted] request to “cease and desist” and will not contact her, her family or her work again regarding this matter. We regret not having been able to resolve this entire matter with Ms. [redacted] directly.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions