Priority One Resolutions

Dear [redacted],Priority One Resolutions (“Priority”) has received and review the complaint listed above. Weappreciate the opportunity to respond.Priority is a collection agency and owner and current creditor of a personal loan in Mr.[redacted]'s name for collection. The loan was originally opened in July of...

2012. The original creditorof the person loan is Alliance Online, and the last four digits of the original account number are 1712.We would like to take this opportunity to assure both your office and Mr. [redacted] that Priorityis in no way a “scam.” We are a legitimate company operating within the guidelines of federal law,specifically the Fair Debt Collection Practices Act.While we can appreciate that Mr. [redacted] does not believe he is responsible for this loan, allinformation is verified before being placed in our office. We spoke to Mr. [redacted] twice, once onOctober 16, 2015, and again on October 19, 2015. During our first conversation Mr. [redacted] did notmake any request for us to cease contacting him. When we spoke to him on October 19, 2015, hestated that he did not feel he was responsible and would not be interested in resolving. The accountwas immediately notated to reflect this, and no calls have been placed to Mr. [redacted] or any of hisreferences since that day.We will continue to treat this complaint as a cease and desist and not contact Mr. [redacted] againregarding this issue.Please contact the undersigned if I can be of any further assistance.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) is in receipt of the above mentioned claim for [redacted], and appreciates the opportunity to respond.Priority is a collection agency which was collecting on an outstanding personal loan in Mr.[redacted]'s name. This dates back to January, 2011 with an original...

creditor of [redacted]While we sympathize with Mr. [redacted]'s position, we must adamantly disagree with hisrecollection of events surrounding our dealings with him. We originally spoke with Mr. [redacted] on12/10/2015. At that time he verified all of the information we had on file for him and advised that hewould contact us back the following day to post half of the balance and setup an arrangement for theremainder. Mr. [redacted] did call back on 12/11/2015 and setup the arrangement as agreed in the initialconversation. Attached you will find the payment arrangement letter we sent to Mr. [redacted] showingthe arrangement he agreed to. It clearly states that the original payment was to be taken out on12/11/2015 and the final payment would be processed on 12/21/2015. We had only ever received theinitial payment and did not try to run the other payment until the agreed upon date. When his secondpayment was processed on 12/21/15 it came back declined; with an error code stating that the card heput on file was invalid. If Mr. [redacted] had an additional transaction on his account we would like toassure both your organization, and Mr. [redacted] that it was not from our company. Priority has verifiedthat Mr. [redacted]'s card was only processed twice through our payment processing company, once on12/11/2015, and again on 12/21/2015. If he has information to the contrary we urge that he send thatinto us so that we can do a further investigation.As it stands Mr. [redacted]'s account is in a decline status as his final payment did not go through.Mr. [redacted] has also charged back his initial payment through his bank, and now has nothing towardsthe outstanding balance he agreed to pay back. We urge Mr. [redacted] to contact us back so that we canre-setup his arrangement. Please feel free to contact the undersigned with any further questions.Sincerely,Sherice M. P[redacted]Authorized Representative of Priority One Resolutions

10/16/2015Re: [redacted]Complaint No: [redacted]Priority One Resolutions (“Priority”) has received Ms. [redacted]'s complaint referenced above andappreciates the opportunity to respond.Priority is a collection agency and current creditor and owner of a personal loan Ms. [redacted] tookout in March, 2012. The...

original creditor of the loan is Oakwood Services LLC and the last 4 originalaccount number digits are [redacted]. Attached for Ms. [redacted]'s and your office's convenience is averification of debt.Ms. [redacted] called into our office on October 1, 2015, the same day this complaint was filed. Webelieve Ms. [redacted] may have misconstrued the two conversations she had that day with ourrepresentatives. At no point was Ms. [redacted] told that no third parties were contacted. We did contacttwo references in an attempt to confirm location information for Ms. [redacted]. All skip-tracing efforts aredone in compliance with federal law, specifically the Fair Debt Collection Practices act. At no pointdid any of our representatives disclose the nature of their call to a third party. Once we were able toverify Ms. [redacted]'s identity on October 1, 2015, no further calls to any third parties were made.We must also respectfully disagree with Ms. [redacted]'s statement that we refused to providedocumentation. A letter was sent to Ms. [redacted] via email to tanesha[redacted][email protected] within an hourof her request. This letter contains of all our contact information as required by federal law. We alsoprovided our mailing address to Ms. [redacted] over the phone when she called into our office for a secondtime on October 1, 2015.We did receive Ms. [redacted]'s letter requesting we cease and desist all communication via bothemail and fax. At that point, the account was immediately placed in a cease and desist status. Nofurther calls were placed after our receipt of her letter, and we can assure both your office and Ms.[redacted] that we will continue to honor her request. At Priority, we take all consumer requests veryseriously, and can assure Ms. [redacted] that we will not contact her again regarding this account.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions3014 Delaware Ave, #4147Kenmore, NY 14217PHONE ###-###-####FAX ###-###-####

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.  For your reference, details of the offer I reviewed appear below.The company sent this "Invoice" to me as well.  I asked them to verify where this debt originally came from and show me the original contract, they couldn't give me that information.  When I look up [redacted] there is no such company.  I never opened or had any type of credit account with either of these companies and then making up an invoice that shows I owe them money is not proof that I owe them money.  Show me my signature where I originally took the money/credit and let me talk to the company that I supposedly owe because this is either fraud or identity theft and I would like to get to the bottom of this.  When I asked for information on who I could contact to get this information they could not tell me where I originally took the money from.  They just kept saying they didn't know.  How can you collect money that is supposedly owed if you can't show PROOF, not made up invoices, that there is debt to be collected to begin with.
Regards,
[redacted]

Priority One Resolutions (“Priority”) has reviewed Mr. [redacted]’s follow up response and weare happy to provide additional information.We have told Mr. [redacted] numerous times, including when we first spoke with him, that wehave closed his account and have no plan to contact him again regarding it. Despite Mr. [redacted]’sclaims, we do in fact have legal right to collect on the portfolio that included Mr. [redacted]’sinformation.The core issue is that Mr. [redacted] asserts he never received the loan. When we purchase ortake for placement a portfolio from a client, we have reasonable belief that the information provided isaccurate considering it contained so much correct confidential information. We do believe that Mr.[redacted] at least applied for the loan as he states he has in the past. Since he denies receiving the loan,we are taking his statement at face value and have notified our brokers of such. We have contacted ourbrokers about this matter in an effort to determine how this mistake occurred. As we’ve statednumerous times, Mr. [redacted]’s account has been closed and will continue to remain closed.We trust that Mr. [redacted] finds our response satisfactory.Please contact the undersigned if you have any additional questions.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

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. Also, per your records the company in which sent my information for collections is no longer in business. Since the account has been closed and they have agreed to no longer contact me I am satisfied.
Regards,
[redacted]

Priority One Resolutions (“Priority”) has received and reviewed the complaint filed by Ms.[redacted] and we appreciate the opportunity to respond.Priority is a collection agency and owner and current creditor of a personal loan taken out byMs. [redacted]. Attached again for Ms. [redacted]’s convenience is the...

verification of debt letter that was sentto her email on August 28, 2015 within an hour of her request.As Ms. [redacted] states, we did contact her family members as we were attempting to locate Ms.[redacted]. Priority ensures that during skip-tracing, all Federal laws are followed, specifically the FairDebt Collection Practices Act. We make sure not to disclose the purpose of our calls when speakingwith third parties and only give out our name when specifically asked. Once we were able to locateMs. [redacted], no further contact to her family took place and all further calls were directed to Ms.[redacted].We reviewed the complaint with our representative who spoke with Ms. [redacted] about cancelingher payment on file with Priority. We believe Ms. [redacted] has mischaracterized what took placeregarding this procedure. Once our representative received Ms. [redacted]’s email asking that herpayments be canceled so she could further investigate this loan, the payments were immediatelyremoved. A note has been placed in the representative’s file and appropriate re-training has taken placeto better assist consumers with their requests.Priority will treat this complaint as a cease and desist and not contact Ms. [redacted] regarding thisaccount again. We encourage Ms. [redacted] to contact our office if she wishes to discuss this further.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions3014 Delaware Ave, #4147Kenmore, NY 14217PHONE ###-###-####FAX ###-###-####

Priority One Resolutions (“Priority”) has received the complaint filed by Ms. [redacted]. We havereviewed Ms. [redacted] complaint, and appreciate this opportunity to respond.Priority is a collection agency and owner and current creditor of a personal loan Ms. [redacted]took out in July, 2012. The last four...

digits of the original account number are [redacted], and the originalcreditor is [redacted] Holdings. All of this information is verified prior to this account being placed inour office, and we would like to assure both your office and Ms. [redacted] that [redacted] Holding wasindeed a creditor at the time this loan was obtained.It is true that Priority did contact some references of Ms. [redacted] in an attempt to confirm herlocation information. All skip tracing efforts at Priority are done in compliance with federal law,specifically the Fair Debt Collection Practices Act. Once we were able to speak to Ms. [redacted] andverify her identity, no further calls to any references took place.We must respectfully disagree with Ms. [redacted] on some points of her complaint. At no pointwas Ms. [redacted] called “6-7 times in a row,” nor were calls placed to her “every day.” In fact, callswere only placed to Ms. [redacted] on two days, September 22, 2015 and September 29, 2015. OnSeptember 29, 2015 Ms. [redacted] requested for no more calls to be placed; we honored her request andhave not contacted her since that phone call.We did receive Ms. [redacted]'s written request via certified mail on October 5, 2015, but all callswere ceased as per her verbal request prior to our receipt of her letter.Priority will continue to honor Ms. [redacted]'s request to cease and desist and not contact herregarding this account again unless she calls into our office to resolve the matter. We regret that wewere unable to resolve this matter with Ms. [redacted] herself.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.Thank you for the opportunity to respond.Priority is a collection agency and the current creditor and owner of an account in Mr.[redacted]'s name for collection. The original creditor of the personal loan is...

[redacted] Management,and the last 4 original account number digits are 2575. Attached for your office's and Mr. [redacted]'sconvenience is a verification of debt letter.We would like to sincerely apologize that Mr. [redacted] did not receive the correspondence herequested in a timely manner. Upon investigation, we believe there was an error in communicationbetween the representative who spoke to Mr. [redacted] and our correspondence department. Allcorrespondence sent electronically is locked with a password specific to the consumer, and our recordsindicate we were not able to verify any information with Mr. [redacted] that would allow us to ensurethe correspondence reached the correct consumer. We take great care to not disclose any informationto third parties, and are examining our correspondence processes to see if there may be a moreefficient way to protect the privacy of our consumers.We have spoken to the representative who spoke to Mr. [redacted], and we must disagree withsome statements made in his complaint. At no point was Mr. [redacted] told he would have legalaction taken against him, nor was he told that his credit score could be negatively affected. Mr.[redacted] was simply informed of the account in our office and given an opportunity to resolve itvoluntarily.We have not contacted Mr. [redacted] since November 4, 2015, and have no intention ofcontacting him again regarding this matter. We will continue to honor his request for no contact, andcan assure him we will not contact him or any of his references in the future.Please do not hesitate to contact me if I can be of any further assistance in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions3014 Delaware Ave, #4147Kenmore, NY 14217

October 2, 2015Re: Devin [redacted]Complaint No: [redacted]Priority One Resolutions (“Priority”) has received and reviewed Ms. [redacted]’s follow up to herAugust 31, 2015 complaint and we are happy to provide further response.As discussed in our previous response, Ms. [redacted]’s request to cancel her previously setuppayment plan with us was immediately honored. After receiving her email requesting we do so, allpayments were canceled. We have since placed our manager who handled this account through retrainingas to how to properly handle these types of requests. We are not sure how else to help Ms.[redacted] regarding this issue as all payments have been canceled as requested and no further contact onthis account has taken place.At Priority, we strive to ensure that all letters and correspondence that we send to consumers arecompliant with federal law. Ms. [redacted]’s request for verification of debt was timely sent to her andprovided all information that federal law requires. We have reached out and are attempting to acquirethe original documentation signed by Ms. [redacted] and will forward it to her if and when receive it.Until that time, we are not sure how else we can assist Ms. [redacted] other than assuring her that we willnot contact her anymore and will ensure that her loan is not resold.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions3014 Delaware Ave, #4147Kenmore, NY 14217PHONE ###-###-####FAX ###-###-####

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.  For your reference, details of the offer I reviewed appear below.
To whom it may concern,I had an opportunity to review the "documentation" supplied with their response, and I have a few more concerns.1. The "documentation" was a brief overview with an account number and a dollar amount of the supposed original debt. There was no supporting evidence that the debt was ever truly mine, ie. Documentation of original contract.2. The fact that obviously it's in digital format with "Priority" logo at the top. If the company had already had and confirmed my email, why it would supposedly take 3 hours for me to recieve after a payment plan had been worked out. I should have recieved that information regardless of my decision to conduct business. A PDF format should take only a few minutes at max to send via email, especially since it was a single page with minimal text.3. ALL short term loans, have a high interest rate, most of the time, in excess of 200%. If the borrowed amount was $400, then the payback amount would be much greater than the stated 10% on the proof of debt. If the account remained active for the 3 months Priority One is claiming, the interest accrued would have been outrageous.4. Priority One has claimed the reason why the account has not been reflected on any of my credit reports, is because it is a quick loan. If any dollar amount owed, no matter how small, that is owed would be reflected by the credit bureaus. Which leads me to believe my information was purchased but the debt in itself is not legitimate.I will say this, Priority One has agreed not to bill my account which is slightly calming, but the issue I still have is the possession and possible distribution or sale of my personal information including full account and routing numbers.
Regards,
[redacted]

Please see our attached response to complaint ID [redacted]Priority One Resolutions (“POR”) has received and reviewed the complaint referenced above and appreciates the opportunity to respond.We are obligated to send a letter to a consumer with the same name as Ms. [redacted], and...

were attempting to both confirm her address and her identity to ensure the letter reached the correct person. Calls made to Ms. [redacted] and her place of employment were to obtain or confirm location information and are made in conformity with federal law, specifically the Fair Debt Collection Practices Act (FDCPA).POR did speak with Ms. [redacted]’ co-worker as she indicated; however, POR ensures not to disclose any personal information about a consumer prior to verifying all necessary information. POR spoke with the representative that contacted Ms. [redacted]’ place of employment and they ensure that they were only attempting to acquire the necessary contact information for Ms. J[redacted]. Once it was determined that the number dialed was not one that Ms. [redacted] could be reached at, no further contact took place.POR will treat this complaint as a cease and desist and not contact Ms. [redacted] regarding this account again and apologizes for any confusion.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

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.  I take issue with the statement: "we are taking her statement at face value". They aren't taking anything at face value. It's...

been proven that the information they received was incorrect. There's no way they could have been provided the [redacted] account ending in [redacted] for a transaction that took place in 2012 since that account wasn't opened until 2014. It is also my assertion that they knew that the information they were provided was incorrect, but they proceeded to try to collect money anyway. In addition, they are NOT registered with the Florida Office of Financial Regulation, so they should have never tried to collect money from me in the first place.
Regards,
[redacted]

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.  For your reference, details of the offer I reviewed appear below.  While I am grateful that the harassing phone calls to myself and my relatives have finally ceased for the moment, experience has taught me that an offer to drop the matter is only a brief respite and that the threatening and harassing phone calls will resume as soon as the NP Group passes my information to an associated group, subsidiary, or changes their name and attempts to once again collect this phantom debt. I have never taken any personal loans as the NP Group claims. I believe that their claim is part of a persistent criminal effort to defraud people like myself by claiming that they took out fictional internet payday loans. The NP Group and several other unscrupulous entities claiming to be "arbitrators" (they use this moniker to insist that they do not have to follow the strictures of the FDCPA as they would if they called themselves debt collectors) have contacted me and my family over the course of the past year. Each time I contest the validity of any claimed debt, the harassment ceases for several months, only to be picked up again by another head of this hydra-like web of "arbitrators". I am tired of the unceasing harassment of not only myself, but my elderly parents, my wife, my brother, and even my 97 year old grandmother. I demand that this business send me and the Revdex.com any documentation that they have to back up their claims that I ever took out any internet payday loans, and if they cannot do so I want to pursue actions pursuant to section 806 of the FDCPA pertaining to harassment. If punitive action is not taken against unscrupulous behavior such as this, it is my belief that the NP Group or one of their associates will only resume the pattern of harassing phone calls to my relatives within a few months as has happened several times before with this situation.  Regards, [redacted]

Priority One Resolutions (“Priority”) has received and reviewed Ms. [redacted]'s follow up toher September 11, 2015 complaint and appreciate the opportuniy to provide further response.At stated in our previous response, calls to Ms. [redacted] from our office only took place for afew days beginning on September 9, 2015. We cannot speak to any other agencies or Ms. [redacted]'sexperience, but we would like to again assure both your office and Ms. [redacted] that we neverattempted to contact her prior to September 9, 2015. No calls were placed to Ms. [redacted] afterSeptember 11, 2015.We sincerely apologize for any confusion over the incorrect information Ms. [redacted] alludesto in her response. All information we receive is verified prior to being placed in our office. Wegreatly appreciate Ms. [redacted]'s suggestion that we develop a better system of verification prior toaccount placement, and plan on working both internally and with our collaborators to improve ourmethods.We will continue to honor Ms. [redacted]'s request and not contact her again regarding thismatter, and wish her the best.Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

National Principal Group ("NP Group") is in receipt of the above referenced Complaint with regards to Mr. [redacted]. We appreciate the opportunity to respond to this matter. Personal loans in Mr. [redacted] name have been placed in our office by the current creditor and owner for...

collection and there are a total of three loans. All information has been verified before the placements of the accounts with NP Group. NP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA). Any calls made with regards to Ms. [redacted] followed those regulations and guidelines. During our skip tracing and location efforts we were attempting to locate Mr. [redacted] to send him a required notice. Upon verifying his identity we were able to provide him with the details of the  accounts in our office. At that time, he immediately disputed the debts and we placed an throe loansinto a non working status and since have ceased all communication with him. We would like to assure not only your office but also Mr. [redacted] that there will be no further communication attempts to him regarding this matter. NP Group has accepted this complaint as a formal cease and desists. Please feel free to contact NP Group with any additional questions you may have. Best Regards, Authorized Representative of NP Group

Attached please see our response.  Thank you!Priority One Resolutions (“POR”) is in receipt of the complaint referenced above. Thank you for giving us the opportunity to respond to this matter.We are obligated to send a letter to a consumer with the same name as Ms. [redacted], and were attempting...

to both confirm her address and her identity to ensure the letter reached the correct person. Calls made to Ms. [redacted] and her sister were to obtain or confirm location information and are made in conformity with federal law, specifically the Fair Debt Collection Practices Act (FDCPA). While skiptracing, we take care to avoid disclosing our name, unless specifically asked, and to avoid disclosing that there is a debt involved. As stated by Ms. [redacted] herself, POR’s representatives did not disclose any information to her sister as they were unable to verify the identity of the consumer they were attempting to locate.Unfortunately, we were unable to verify the consumer we were looking for as no contact was ever made with Ms. [redacted]. However, POR will honor Ms. [redacted]’s request and treat this notice as a “cease and desist” and will not contact her or her family again regarding this matter unless Ms. [redacted] calls into POR herself. We regret not having been able to resolve this entire matter with Ms. [redacted] directly and encourage her to contact POR to discuss this further. Please contact the undersigned if we can be of any additional help in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) has received and reviewed the complaint listed above.Thank you for the opportunity to respond.We did contact Mr. [redacted] in attempt to obtain or confirm location information for a Ms.[redacted], in order to send Ms. [redacted] a letter as required by federal law....

Mr. [redacted] was neverpersonally skip traced, he merely showed up as a reference in our location and tracing effortsregarding Ms. [redacted].When we spoke to Mr. [redacted] on October 27, 2015, and he informed us he did not havecontact with Ms. [redacted], his number was immediately removed from our database, and no further callshave been placed. We can assure Mr. [redacted] that we will not be contacting him again regarding thismatter.We would like to apologize that our call upset Mr. [redacted], and again confirm that he wasnever skip traced and will receive no further calls.Please do not hesitate to contact me if I can be of further assistance in this matter.Sincerely,Caitlin B[redacted]Authorized Representative of Priority One Resolutions

Priority One Resolutions (“Priority”) appreciates the opportunity to respond to the claimreceived on behalf of [redacted].Priority is a collection agency currently collecting on an outdated loan from Paragon Fundingdating back to November, 2013 with an account number ending in 5665.We understand...

Ms. [redacted]'s concerns and are glad to have the opportunity to clarify some ofthe statements made in her complaint. First we would like to assure Ms. [redacted] that we are not ascam. All information regarding her comes from the original loan application, and has been verified byMs. [redacted] during our conversation with her on 11/13/2015. When we were informed that this wassomething she did not do we took her statement at face value and moved the account into a Fraud statuswhich immediately ceases any and all activity. There has been no further attempt to collect on thisaccount since that initial conversation. Since the account entered into our office on 11/13/2015, it hadonly been worked one day. We cannot speak to what people will say about us, but we can attest that allactivity concerning this claim followed Fair Debt Collection Practices Act regulations and guidelines.Please feel free to contact me if I can be of further assistance in this matter.Sincerely,Sherice M. P[redacted]Authorized Representative of Priority One Resolutions

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.  Although their response contained multiple false statements the over all outcome is satisfactory
Regards,
[redacted]