Progressive Financial Services, Inc.

Review: The agency is attempting to contact me through my place of employment, harassing fellow employees and without prior authorization. Prior calls have taken place on 7/27/2014, and 7/28/2014 with the same behavior.Desired Settlement: Stop contacting my place of employment and harassing fellow employees at my place of business.

Business

Response:

I have been asked to respond to the above-referenced complaint regarding Mr. [redacted]. We received the complaint on/about 31 July 2014. This consumer states that Progressive has been calling his place of employment ("POE") and "harassing fellow employees and without prior authorization. He wants the calls to his POE to stop.

Mr. [redacted] did not provide the phone number at his POE that he wants Progressive to stop calling; nevertheless, we believe that we have identified the correct phone number (ending in [redacted]) as belonging to this consumer's POE. We have made the notation on the account that this consumer does not wish to be contacted at his place of employment, there will be no further calls to that POE number where the intent is to try to speak with this customer.

At no time did anyone answering the phone at the POE (the consumer did not answer any of the three times we attempted calls). Rather unidentified persons answered the phone and explained that the consumer could not be reached. Both times our staff reached someone at the POE, the agent politely asked the person take down his contact phone number and ask this consume for a return call. There was no "harassment" of co-workers. Nor is "prior authorization" needed for our staff to try to reach an account holder in order to discuss a matter that is in our office.

Please let me know if I can be of further assistance.

Sincerely, [redacted]

Corporate Counsel

Review: Caller has been calling for a person that does not exist at my phone number or location. Been calling non-stop now for 5 days up to 4 times per day.

This scam financial service provider some how has gotten incorrect information and the several times that I have tried to correct the issue it's like they don't listen. They are calling for a person that does not exist at my phone or location. Since this caller is coming from Arizona where I have never lived I know they are a scam. If they continue calling I will be contacting the Az State Attorney office to file legal actions.Desired Settlement: A complete stoppage of all calls.

Business

Response:

8 March 2016Conciliation & Engagement Specialist Revdex.com of Central/Northern Arizona 4428 N. 12th StreetPhoenix, AZ 85014Re: Complaint # [redacted]To Whom It May Concern:

[redacted]e-mail: [redacted] I have been asked to respond to the above-referenced complaint regarding Mr. [redacted]. We received the complaint on/about 2 March 2016. Mr. [redacted] states that Progressive is a “scam” organization and that we are calling his residence “non-stop for 5 days up to 4 times per day.” He also claims that “several times” he has tried to correct the issue but “it’s like they don’t listen.” This is the type of exaggeration in a complaint that makes for interesting reading and maximum shock value but like so many complaints we respond to, this complaint has no merit whatsoever.Promptly upon receipt of the complaint, Progressive located the relevant account belonging to Elizabeth [redacted], the consumer we were trying to locate. We have credible evidence that Ms. [redacted] is/was associated with the phone number called (ending in 5054) and at the address listed by Mr. [redacted]. However, he states in his complaint to the Revdex.com that that Elizabeth [redacted] “does not exist at my phone number or location.” (Emphasis added). He does not say she never lived there, or that she was never associated with the number, or that he does not know who we are trying to find.To set the record straight, Progressive did not call that phone number “non-stop for 5 days up to 4 times per day.” In truth, we called the phone number three (3) times in three (3) days (one outbound call per day). We are more than happy to produce the call records to the Revdex.com or any regulatory agency who may be reviewing this complaint and response. None of the calls to that number were answered, and on two of those calls, a message was left. The message starts by asking the consumer listening to let us know promptly if we are calling a wrong number. On the same day that the third call was made (2 March 2016), Mr. [redacted] placed an inbound call to Progressive (as we requested). He stated that Elizabeth [redacted] “does not exist at this number.” We have reason to believe based on his answer (and the way he phrased his complaint to the Revdex.com as well) that she once lived at that number, but no longer does. Promptly upon learning that we could not reach Elizabeth [redacted] at that number, the agent who spoke with the consumer removed the number and it was not called again. So his allegation that he has tried to correct the issue, “but it’s like they don’t listen,” clearly does not apply to Progressive’s response to his “wrong number” instruction.Thus, this consumer has only one thing right – Progressive called his number looking for someone that all indicators point to as having once been associated with that phone number and that address. We did not call “non-stop for 5 days up to 4 calls per day.” We called ONCE per day for 3 days. We did in fact, listen to him when he told us we could not find Elizabeth at that number and we promptly removed the number so it would not be called again on the account. Nor are we a “scan financial service 2provider” as this consumer alleges. We are a legitimate debt collector who did absolutely nothing wrong in the way the underlying account was worked.Again, we are happy to provide supporting documentation for the account activity we have described in this complaint response. If the Revdex.com or a reviewing regulatory agency reads this, just let us know what corroborating evidence is needed; we are happy to comply. Please let me know if I can be of

Review: We have a new phone number and have been receiving multiple phone calls each day from this business not intended for us. It states they are trying to reach someone named [redacted] (the last name is very garbled and we cannot make it out)The calls and messages are always a recording. After listening to the recording, it says to press 2 to indicate that they have reached the wrong party. When we press 2, there is more recordings and we are put on hold. We do not remain on hold as these calls are not intended for us and we are unsure of the legitimacy of these phone calls or business. If we remain on the line in the hopes of speaking to someone without pressing 2, the recording states that by remaining on the line we are verifying that we are the intended party ([redacted]) for this phone call. The phone call references someone named "[redacted]" who owes some type of debt. We have no knowledge of anyone by this name nor do we personally have any debt owed to anyone. These calls are coming early in the morning and late in the evening every day and are very disruptive. Our phone number is on the national do not call registry and we have reported these robo calls and filed several complaints there as well.Desired Settlement: We want the phone calls and messages from this company to stop and we want our phone number removed from their list entirely.

Business

Response:

[redacted] Re: Complaint # [redacted] Our Acct. No. [redacted]: I have been asked to respond to the above-referenced complaint regarding [redacted] and [redacted]. We received the complaint on/about 23 July 2014. These consumers state that they have been receiving calls from [redacted] for a person who is not them. They report that their number is on the National Do Not Call Registry and they want the calls to stop. Promptly upon receipt of the complaint, we located the relevant account on which calls were made to these consumers’ phone number ([redacted]). We are showing fewer than 10 calls made on the account in July – most days only one call was made to that number. On one day (7.22.14) there were two calls made to the number. At no time did either of these consumers contact [redacted] at the toll-free number provided in the voice mail message to alert us that the calls were being made to their residence in error. That phone number has since been removed from the relevant account and added to our internal “do not call” list so it cannot be dialed again. We are showing no further calls after receipt of the Revdex.com complaint. Progressive’s calls were made on the basis of an established business relationship between our client and the consumer/account-holder about whom the calls were made. As such, the calls are not subject to the restrictions of the National Do Not Call registry. Nevertheless, we apologize for the unintentional misdirected calls to these consumers. Please let me know if I can be of further assistance. Sincerely, /s/ [redacted] Corporate Counsel

A company by the name of [redacted] sent my Student Loan to another collection agency Called Progressive Financial Services for Collection.Before [redacted] sent this Over to them, I already asked in 2009 for a out of work forbearance, because I am unemployed and still finishing School, I ask this of them 3 times, no response and Later on in 2012 I started getting harassing phone calls from Progressive Financial Services, stating that if I don't Pay, they will take money from out of my income checks and my tax refunds. I am not able to finish school because I need a grant to pay the rest of my tuition, I can't get the Grant because of this issue with Progressive Financial Services Inc. I am not able to go start my career with out my degree, thus putting me in financial bind. I want to find away to get this Company off my back, especially when I am not working to pay any of it back. I also called the school where this Account Came from, I only owed 1400 and they tacked on 2,490.90 of principle to that Acount in which I refuse to pay. This is not a good company it is a bad one, please help me find away for them to leave me alone so I can move on with my life and my Career.

I am reporting a complaint against Progressive Financial Services whom I called to make pay arrangements or set up a rehabilitation plan for a pass due account out of no-where the person handling this was beligerant, rude and highly inconsiderate!I was attempting to come to a median just to calm things down and there was no use! I have tried to deal w/this company for over 2 years which was argued also through the rep as well, when I asked if anyone other than her could assist me she laughed saying how her supervisor '[redacted]' was out of the office. In fact I felt she was having a 'power struggle' so I tried to reason according to the companies policy. I wish like hell they would release my account, return it to the original creditor and loose my number!

I had just moved to Louisville, KY and out of a bad situation with bad credit, several negative marks against my credit, My future was feeling kinda drab, and yes I realize this was all my fault, and to top it all off I lost 2 tires on my car, SO I was feeling like I was kicked while I was down, but I was very hopeful when Progressive Fiance gave me a chance, The first time I did business with them they gave me $400.00 to work with, only used $300.00 and paid it off in the 90 days same as cash period. The second time I used them was for a cell phone from [redacted], they up'ed my credit to $600, of course I only used $500. Still the same 90 days same as cash. Just yesterday (06/10/2014) I used their service again, and they gave me $900.00 to buy a mattress set from [redacted], Of course I only used $470.00. My strongest advice is to make sure if your going to do business with them, make sure you can pay it off in 90 days. yes its expensive after the 90 days, but if you can get it paid off in 90 days then your in good shape and it looks good to them that they can trust you. I hope this helps people who are on the fence of doing business with progressive finance regardless of all the negative marks, I know several people only want to complain about the bad and never speak of the good. so here is some good :-) [redacted].

This company is calling me looking for someone else. No one with the name has ever lived here. I've told them this, but apparently they think anyone with the last name [redacted] must know every other [redacted]. They continue to call and harass.

Review: My wages were garnished by the department of education. The last payment came out in March 2015. I received a letter in the mail from the Dept of Edu stating there was still a balance due. once the last payment came out of my wages I assumed the account was settled. I contacted Progressive Financial who informed me that my employer stopped the garnishment before the final interest and penalties were paid. They stated that they had been contacting my employer since that time and they had not responded. I questioned as to why if my employer did not respond in a timely ex 30 or 60 days why wasn't I contacted since I am the person whose wages are being garnished. I was told it was not their responsibility to contact me I should have contacted them if I didn't receive a payoff letter. As I stated before this was my first wage garnishment and I was under the impress last part account is settled. I further questioned as to why I received a letter from the Dept of Edu of the remaining balance. Had the Dept of Edu not contacted I would have never known there was a balance interest and penalties would have still been accruing which in turn means more money for progressive financial. I think this is unfair business practice and a deliberate attempt at getting more money for this company by not informing me there was still a balance if as they say they had been contacting my human resources Dept and was not getting a response. I also asked if I could make payment arranges on the balance that was due from March less accrual, penalties and no new penalties or accruals added I was told no I had to pay the balance in full less the penalties and accural.Desired Settlement: Allowed to make payment arrangement on balance that was still due as of the last garnishment less penalties and accural and no penaltis or accural until balance was paid.

Business

Response:

To Whom It May Concern:I have been asked to respond to the above-referenced complaint regarding [redacted] (aka[redacted]). We received the complaint on/about 5 August 2015. Ms. [redacted] complained aboutthe fact that a wage garnishment order issued by the Dept. of Education to her employer was stopped byher employer before the balance on the account was entirely resolved. She was upset that no one fromProgressive (the account has been in our office since September 2013) contacted the employer or theconsumer about the outstanding balance and/or the premature stoppage of the wage garnishment.Promptly upon receipt of the complaint, Progressive located the relevant account belonging tothis consumer. The consumer did not set up voluntary payment arrangements with Progressive so theaccount was eventually moved into involuntary collection status. In May 2014, the Department ofEducation ordered her employer to start garnishing the consumer’s wages in order to resolve the debtowed to the Department of Education regarding her defaulted student loan account. The order includeda then current amount due on the account AND it included a warning that “the amount due may beincreased as a result of additional interest, penalties, and other costs . . .” In addition, the employer wasordered “to continue deductions until you receive notification . . . to suspend or discontinue deductions.”On/about 30 March 2015, the consumer’s employer processed what became its last garnishmentpayment for the Department of Education. Unfortunately, the employer discontinued deductions eventhough neither Progressive nor the Department of Education notified them to stop or suspend thedeductions. And, they stopped the garnishment in spite of the fact that a balance remained. Accordingto records available to Progressive, it appears that in May 2015, the Department of Education notified theemployer that the employer should not have stopped the garnishment and that further deductions wererequired. It is not clear to us why the employer did not resume deductions in May when ordered to doso. Later, the Department of Education notified the consumer that she owed the remaining balance thather employer had failed to deduct in the wage garnishment process.The consumer was upset because she believed that Progressive should have contacted heremployer AND should have called her as well to advise her about the balance remaining on the accountafter the garnishment deductions ended. Typically, our staff would have been able to track such lack ofactivity on the account (on which a balance was still owed), but staffing shortages have made those kindsof tracking and follow up more difficult. We regret that we did not reach out to the consumer to adviseher about the remaining balance – and that it took several months for the Department of Education toadvise her of that fact. In the interim, there were additional fees/charges added to the balance so that by the time she called Progressive on 4 August 2015, the balance was approximately $212 – which wasapproximately $5 more than the balance that was listed in March when the employer stopped itsdeductions.Our manager who spoke to the consumer during the inbound call did, however, offered her asolution that was designed to allow her to resolve the account without incurring the extra fees/chargesthat were added between the end of March and her inbound call to Progressive on 4 August 2015. Theconsumer was told that she could either pay the remaining balance that was due at the end of March(roughly $207) OR she could do a settlement of $172. Either of those options would have resolve theaccount with no further obligation on her part – and both took care of the extra fees/charges that accruedin the time between the end of the garnishment and her call to Progressive. For reasons that were notclear from her call, she declined to resolve the account balance with either of the options with which shewas presented. This Revdex.com complaint was processed the next day.Again, we regret the time that elapsed between the garnishment stopping and her inboundcommunication with Progressive. The staff involved in the failure to reach out to the consumer (or theemployer) has been notified about this complaint and is aware that someone in that department shouldhave tracked this account more closely, and that they should have made an effort to get the consumer onthe phone when the garnishment stopped without full resolution of the balance. The offers for her to paythe end of March balance or the settlement amount of $172 remain open. In order to take advantage ofthe offer, the consumer needs to contact our staff on/before the end of the day on 19 August 2015.Please let me know if I can be of further assistance.Sincerely,

Progressive Financial Services has proven to be the polar opposite of its name. This company represents sheer REGRESSION. It is truly an archaic institution that operates out of sheer self-perpetuation. The agents and "manager" I interacted with where both corporate-minded and big business endorsed scam artists. The main goal of this institution is ensure that their loans are handled at any cost regardless of the position of the account holder. For a company handling student loans in the great U.S.A. one would hope that the student's best interest is at hand. But alas it is not. These individuals are professional liars with a focus on the interest of big business. Getting an education is a huge investment in one's quality of life and these devious, money hungry, hostile and incredibly rude representatives deserve to be homeless, jobless and in a state of disrepair so they can understand how it feels to BEG for a solution from a government institution that perpetually puts American citizens in debt for the rest of the lives. All in the name of of EDUCATION.

Review: The third party debt collector refuses to sent proof of the debt and or proof of ownership. they continue to harass me.

The agents are rude and disrespectful and refuse to provide me with any information just demanding payment of a debt that is very questionable without proof. they also demanded my social security number that I refused to give.Desired Settlement: stop the harassment.

Business

Response:

To Whom It May Concern: Writer’s Direct Line: ###-###-####Writer’s Direct Fax Line: ###-###-#### e-mail: [redacted]@progressivefinancial.com I have been asked to respond to the above-referenced complaint regarding Mr. [redacted]. We received the complaint on/about 11 June 2015. Mr. [redacted] states that Progressive refuses to send him proof the debt and of property ownership. He also alleges the agents have been “rude and disrespectful.” He maintains “they are scammers.”Promptly upon receipt of the complaint, Progressive located the relevant account belonging to this consumer. On the first call when we reached this consumer (27 May 2015), our agent tried to have the consumer update the address so that we could send verification of debt (VOD) that had been requested in the call. Mr. [redacted] refused and hung up on the agent. When Mr. [redacted] called in a few days later (10 June 2015), he stated that he was not going to pay the debt and believed that it could not be collected because the violations had occurred nearly 10 years ago. He initially said he would take care of the debt, but that he would not submit payment to Progressive. Later in the call he refused to pay thedebt altogether, stating then that he had already paid it.Now that we have a good address for Mr. [redacted] (pulled from the Revdex.com complaint documentation), we are mailing to him under separate cover, VOD documentation and other information provided to us from the creditor, the State of Utah. Mr. [redacted] can contact Progressive once he has received the documentation to make arrangements to resolve the account.We regret that this consumer’s experience with our staff was not what we strive for. The collection manager for that unit has been advised of the complaint and asked to review the call details with her staff members. Please let me know if I can be of further assistance.Sincerely,/s/[redacted], Esq. Corporate Counsel

It should not be legal to charge people the way they do. FALSE advertisement, when they say 90 days same as cash what they don't tell you is that you will incur a 10% cash up-charge as soon as you sign your contract. The customer service representatives are unaware of their job, and cannot properly explain your charges to you. Customer service is rude, and your first initial payment does not get applied to your principle, but it goes directly to the store. Overall, I've had a very bad experience with this company and I employ you, as a consumer, to take your business elsewhere where it is appreciated and they don't charge you ridiculous extra fees.

Review: I recently received a phone call at work from this company saying they are handling the collection of a [redacted] student loan that I had some years back. Prior to this phone call at work I have not received any previous communication from this collection agency. I informed the person that called me that I cannot take those calls at work. I also informed her that I need for them to send me some type of correspondence and I will respond to it. She then proceeded to say that if I do not contact back within 24 hours they will proceed with garnishing my wages. How can I respond in 24 hours if I have not received the correspondence I just requested? Second, I called [redacted] directly to inquire about this loan that Progressive is saying they are calling me about. [redacted] told me that they are no longer servicing my loan that it was consolidated. So, I called the [redacted] and I inquired with them. They were not aware of any of this. They did however set up to send me paperwork to rehabilitate my loan, as I recently went through Chapter 7 bankruptcy. All of my student loans were listed, and the [redacted] sent me a letter stating that my loans were with them due to me filing bankruptcy and for me to make arrangements with them for repayment/rehabilitation. I now done that. I have NEVER received anything from [redacted].

Progressive is now calling my home phone during work hours leaving messages. I did not give them permission to contact me on that phone, I asked for the correspondence for me to respond too. I have not received anything since I talked to the representative on Tuesday the 22nd.

This is becoming harassment, for something that sounds like shouldn't even be in collections. [redacted] is supposed to allow me to make arrangements with them, by law since I filed Chapter 7 bankruptcy. I have not been given that opportunity, nor can they even find evidence of my student loan when I call. I will also be filing a formal complaint with Dept. of Education in regards to this harassment.Desired Settlement: Stop contacting me, provide me proof that there is a [redacted] loan with them that needs to be collected. If they can provide me proof, I need to be able to speak with someone in [redacted] about this. At that point being I just went through bankruptcy, there needs to be an understanding I filed due to financial hardship. I am on single income taking care of 5 other people other than my self, 3 of them are children. That means I really don't have money and this has been an financial strain. Unfortunately, I don't much after rent, bills, food, etc the necessity. This is why the Dept. of Education has sent me the financial paperwork for me to fill out. When I start making payments on student loans I am looking at $50/month. IF [redacted] is truly holding a loan I need to pay I can offer that. Otherwise, I need Progressive to stop these phone calls, because at the moment, [redacted] is telling me they can not find a loan for me, as it was consolidated.

Business

Response:

I have been asked to respond to the above-referenced complaint regarding Ms. [redacted]. We received the complaint on/about 25 April 2014. Ms. [redacted] has a host of issues regarding (1) the fact that Progressive has an account in her name placed by our client, a student loan guarantor; and (2) the way in which our staff interacted with her recently.

Promptly upon receipt of the complaint, we located the relevant account. The account was placed with Progressive for collections on/about 20 April 2014 by our client, [redacted], Inc. (SLM)/NELA – the unit within SLM that handles the federally guaranteed loans held by SLM. We have confirmed that the bankruptcy she mentioned was discharged in March 2014 – before the account was placed with Progressive. Further, unless the consumer is able to make a hardship showing to the creditor, the underlying loan obligation typically would not be dischargeable in bankruptcy. Thus, we believe that the loan is due and owing as it was placed with our agency; moreover, we have confirmed that fact recently with SLM. A copy of the promissory note and some detail sheets that we obtained from SLM are being mailed to Ms. [redacted] under separate cover. In addition, most consumers can find where their federally guaranteed student loan(s) are being worked by calling the Federal Student Loan Locator line at 800.433.3243. We believe that a call to that resource will provide Ms. [redacted] with the information she needs with regard to the location of the loan(s) that created the obligation for the account that currently is in our office.

We have also reviewed the call that Ms. [redacted] complained about. Our agent did not follow her training and the company procedures when she insisted that Ms. [redacted] call within 24 hours when she knew that this consumer wanted to first receive our initial demand letter before she discussed the account in detail. Since the letter file was only triggered on 21 April 2014, it was highly unlikely that Ms. [redacted] would have had the letter within 24 hours of the call. Our agent should have realized that and handled the call differently. In addition, while our client on the account can and frequently does administratively garnish the wages of consumers who have defaulted federally guaranteed student loans that are not in voluntary payment arrangements, our agent brought that topic into the conversation prematurely. We apologize that this consumer’s experience with Progressive is not what we strive for. The management for the agent involved has been notified about the complaint and the employee has been counseled regarding her behavior on the call.

At the consumer’s request, we have removed her work number from the account so that our agents will not attempt to contact her there. Likewise, we read her complaint to withdraw permission for our collection staff to contact her at her home number (ending in[redacted]), so that number also has been removed from the account. That said, we do encourage this consumer to contact Progressive to discuss her account and provide our staff with a phone number where we can reach out to her.

Please let me know if I can be of further assistance.

Sincerely,

[redacted], Esq.

Corporate Counsel

Review: Progressive Financial Services, on behalf of [redacted], Acct[redacted], Ref No [redacted], has failed to provide me the documentation I requested via post dated March 17, 2014.Desired Settlement: 1) Account deemed as 'paid in full/closed.' 2) Account reported as 'paid in full/closed' and then deleted from any and all credit reporting agencies. 3)Documentation of my requests sent to me via post (as originally directed) for provision to any and all credit reporting agencies.

Business

Response:

I have been asked to respond to the above-referenced complaint regarding Ms. [redacted]. We received the complaint on/about 15 April 2014. Ms. [redacted] wanted documentation of her payment on the above-referenced account and the credit reporting to be updated accordingly.

Promptly upon receipt of the complaint, we located the relevant account. My staff prepared the documentation requested and processed a request to have the credit reporting updated. An e-mail was prepared advising her that all the requested materials were mailed to her at the address provided in the Revdex.com complaint. A copy of the e-mail is attached.

We apologize for any unnecessary delay in getting these requested documents to this consumer. Please let me know if I can be of further assistance.

Sincerely,

[redacted], Esq.

Corporate Counsel

Just completed a student loan settlement with Progressive Financial; Services. They are a first class company. Helpful, polite, and not pushy on collections. They saved me a great deal of money. I highly recommend this company.

Review: 2013 I had [redacted] and never could get good service . I canceled the service and paid the bill .or I guess I thought I did. Now it's turned over to a collection agency 76.98 is what I owe .my wife called and they h arrest her and they kept asking her to pay the bill by credit card . .they would not accept a check. I called and gave them the reference number and they wanted my ss# I said noDesired Settlement: I will pay the bill in small payment s

Review: I paid in full a bill owed to [redacted] in July 2014; I have confirmed with [redacted] this account is paid in full and closed. However, Progressive Financial never reported this account paid in full to the credit bureaus and it is now showing as a collection account on my credit report, adversely affecting my credit. I called and asked to have this reported 5 weeks ago, I was told it would be reported and a letter sent to me confirming this; neither has been done. Because of this, my credit is down and affecting the purchase of a home.Desired Settlement: I want this payment reported to the credit bureau showing account paid in full July 30, 2014, a letter showing this is done, and an explanation as to why this was not done back in July.

Business

Response:

To Whom It May Concern: I have been asked to respond to the above-referenced complaint regarding [redacted]. We received the complaint on/about 24 February 2015. [redacted] states that she paid a balance in full last year but states that it is still appearing on one/more of the credit reporting agencies. She wants the mistake corrected and her credit report updated to show the account paid in full. Promptly upon receipt of the complaint, Progressive located the relevant account. Indeed, our records show a payment in full posted on this account on 29 July 2014. A few days later, we sent an electronic request to all three major credit reporting agencies to delete the trade line. Until we received this complaint, we were unaware of any problem. We apologize for the problem. Earlier this week, we processed a manual AUD form to have the credit reporting bureaus delete the trade line. We are sending a copy of that form under separate cover to the consumer along with a copy of a payment in full (PIF) letter. If she continues to see the trade lines regarding this debt, she should contact the credit reporting agency that is reporting and present them with the delete request form (the AUD) as well as the PIF letter. While we hope that our additional efforts will clear up any mistakes that still exist, we remain available to assist this consumer if she is not getting resolution with the credit reporting agencies directly. She should contact me directly if she has any lingering issues Again, we certainly apologize for the delay in the credit reporting agencies getting the trade line deleted as requested. Please let me know if I can be of further assistance. Sincerely, /s/ [redacted] Corporate Counsel

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

I was called about a federal loan in default due to my daughter's school loans. [redacted] told me that if I did not give her the information she wanted and set up an agreement with her within two hours, that they would garnish my wages that day. I told her that was illegal because she has to send me a letter first. She said a letter was sent to my last known address. I had just given her my current address-so now that she knew that, she would have to start over--per Federal govt. guidelines. I brought this up to her and she argued with me about it. In addition, she had my Social Security number wrong and that's why it had taken so long to find me. It is not my fault they have the wrong Social. I know it is illegal to be threatened in the way that I was. I spoke with her supervisor who basically told me he would "look into it" and correct the issue if there was an issue. He acted as if it did not matter that I was "bullied" and lied too. I am not happy. I am going to report them to a higher agency. I asked her if she was making money off me and she would not answer me either. DO NOT LET THEM BULLY YOU. YOU HAVE 30 DAYS AFTER THEY CONTACT YOU BY TELEPHONE IF YOU HAVE NOT RECEIVED ANY POSTAL CORRESPONDENCE.

1. They listed a collection more than 10 years from its origin, which is a violation of the Consumer Rights Act. Statute of Limitations for Collection Companies listing collections on Credit Reports.

2. I requested validation of the debt which they have not provided which is also a violation of the Consumer Rights Act.

3. Upon contacting them, they listed the debt a 2nd time to further ruin my credit.

I can prove this, Please feel free to contact me if you need proof.

Sincerely,

Review: My wages are being garnished for a student loan for classes I dropped. Regardless the debt is almost paid off now and yet I have called them multiple times to request an updated amount be sent to my employer. My employer paperwork says I still owe around 3200.00 and after my tax refund was used towards debt and payments from garnishment. It is only about 150.00 left they keep saying they have requested the update be sent and should have arrived by now. My employer says they have recieved nothing and can not change amount till they receive something from progressive financial. I can't even get anything for my own records to show what I have paid. They will end up taking more than they are owed as it is going to be done by my next pay period. They are telling me that it is not them I will have to go to for a refund if they take more than they are owed and it takes a few weeks to stop garnishment they said. This is unacceptable as I am struggling to survive as it is and this company keeps promising the paperwork with updated amount is sent to General Dynamics ( Electric Boat) and it has not been sent clearly after several months of requesting. Why would they not be able to pick up a phone and call or fax it? They say they can not.Desired Settlement: That the company call or fax or get a hold of who does send out the updated amount to employers and get it to my employer so they can stop and not take funds that they are not owed.

Business

Response:

To Whom It May Concern:I have been asked to respond to the above-referenced complaint regarding Mr. [redacted]. We received the documentation on/about 26 June 2015. Mr. [redacted] states that he wants his employer to be provided with an updated amount/balance due on a debt that we have in our office. He requests that this information be provided so that his ongoing administrative wage garnishment (“AWG”) will be promptly terminated once his balance has been paid. I apologize that this response is a day or so tardy. I waited as long as I did so that I could hopefully provide Mr. [redacted] some positive response.Here is what we can determine from the information that is available to Progressive: The obligation at issue here involves defaulted student loan/loans that are being held by our client, the U.S. Department of Education (“ED”). When voluntary arrangements were not set up, ED initiated AWG with the consumer’s employer. In the course of the garnishment, there was also an offset against the consumer’s federal benefit payment that significantly reduced the balance owed on the account.At about that time, Mr. [redacted] started calling our staff so that his employer could be advised of the updated balance; he didn’t want the AWG to continue to take money beyond what was actually owed. At some point, the consumer’s employer information was changed or updated, and according to our requirements on the account, we provided that updated information to ED. For reasons we simply cannot discern, ED’s system has not captured and updated the updated employer information. Consequently, each time Progressive requested that the employer be provided with a new letter advising of the updated balance, the letter from ED went to the former employer. As of yesterday, that was still the case. We are showing several letters that Progressive requested having been sent by ED to the former employer.Mr. [redacted]’s balance is nearly resolved, and assuming there is no additional amounts added to the balance by ED, we anticipate that in fact, within a very short period of time, he will have satisfied the balance on the account. Yesterday our staff obtained a secured fax number from Mr. [redacted]’s current employer. While only ED can issue an updated balance notice to the consumer’s current employer, Progressive can, on behalf of ED, notify the employer than an AWG is to be terminated or suspended due to circumstances on the account (such as satisfaction of the balance). Our AWG unit has this account flagged so that when the balance goes to zero, Progressive can immediately fax to his new employer a request to suspend/terminate the AWG. Once that request is processed by his current employer, there should be no further garnishment deductions. 2We apologize that Mr. [redacted]’s reasonable request to have his employer notified of an updated balance has been so difficult to accomplish. Our staff consistently has been responsive to his requests, but ED’s system issues caused delays that, unfortunately, Progressive was unable to resolve. We appreciate Mr. [redacted]’s diligence and patience in following up with Progressive.Please let me know if I can be of further assistance.Sincerely,[redacted], Esq. Corporate Counsel

Review: I received a letter in the mail about the last payment I needed to make to AZ dept of Revenue. I sent in the check to Progressive BEFORE the due date. The following week I was bombarded with automated calls from Progressive that led to a dead-end. When I tried to call the following numbers I received a voice alert that " All Circuits are busy" several days in a row (see list of numbers listed below). When I called the 602-453-8920 number all I ever get is push buttons, requests to wait and then finally a request to leave a message. I have left SEVERAL messages, none which have been returned. I want to make sure they process the check because if not, it leads to all kinds of problems I am unwilling to deal with just because they didn't do THEIR job properly. I am trying to resolve a problem, they are making it worse by not having anybody there to answer the phones.

ALL of the listed numbers go to "All Circuits are busy". Try it.Desired Settlement: They need to get their act together and actually have people answer the phone.