Rentco

We have received Ms. [redacted]'s complaint through your office.Contrary to Ms. [redacted]'s complaint, we have had no prior notice that our credit report on her account was inaccurate.We updated Ms. [redacted]'s credit profile to show discharged bankruptcy in June 2013. Although very uncommon, the credit bureaus...

did not update the bankruptcy status properly. We have no explanation for that error. We have corrected Ms. [redacted]'s credit profile to show our report as a discharged bankruptcy rather than bankrupt.We trust this will conclude this matter.Yours truly,[redacted] Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Dear Ms. [redacted],   I will first give some background for you and Alternative Recovery Management (ARM). This bill that is in question are HOA fees only. I bought the property about Jun 1988 and was paying my dues until the original [redacted] broke the contract by not completing buildings they agreed to in the contract. This is proven by going to their website at  [redacted] Property Association where they admit their short comings, not my buyers remorse;  [redacted], I will summarize here:"There were several issues that needed to be corrected in the original Covenants, such as Amenities that had never been constructed and roads that had never been paved by the original Developer."   This was not immediate but I waited until about 1992 for them to comply. After repeated noncompliance and "rumors" of embezzlement by the then current HOA board members, I contacted them on the phone and sent them a letter that I was no longer a member and no longer paying the HOA dues because they did not meet the conditions of the original covenant. I do not have a copy, but please remember this was 1992 and a photocopy was not common or easily obtained. I was actually told on the phone when I contacted them to stop making [redacted] payments because the [redacted] was in turmoil and [redacted] was being sold. I NEVER heard from [redacted] again until 2001 Evidence1. I contacted them again and restated I would NOT pay them because they broke the contract.   My problem with ARM is all the inconsistencies. If you look at the first notice they had a Law Firm send to me in 2004, Evidence2, you will see the account number assigned to me is [redacted] for $6097.86 plus $321.83 in interest for a total of $6419.69. ARM contacted me and I told them the situation with [redacted] and I would not pay. ARM said they would report me to the credit agencies for nonpayment, so they did in 2004. If you look at the next communication ARM sent me on 9-16-14, Evidence3, the account assigned to me has in fact changed to [redacted] for $6208.46 plus $386.12 in interest for a total of $6594.58. The amount in Evidence3 doesn't make sense for the 10 year difference if you continue to add charges as ARM claims [redacted] did, or even if its a new bill, the amount would not be reflective of a 10 year bill. To add to the problems with ARM they sent only a partial itemized bill instead of a full itemized bill that was asked for, Evidence4. First notice the [redacted] address block at the top right was obviously not original to the document because it's crooked, it clearly was added to the document. There are no charges shown for HOA dues as Evidenve1 shows, just "Other" charges of $70.00 and interest. It doesn't show a water fee as the original did in Evidence1 and has a section for it. You will also notice that no previous document from Evidence1 to Evidence3 showed any penalty, but now showing penalty fees in Evidence4. I do not believe this to be a genuine, accurate, and true itemized bill. The bill even shows an apparent adjustment with no reasoning. The date of 9-10-13, the date of the adjustment, is the only date that is properly filled in and coincides with when ARM started contacting me again about the [redacted] bill.   Last but certainly not least, Evidence5 shows an excerpt from my [redacted] credit report that ARM incorrectly reported or misled the credit agency and reported the last payment made was 03/01/2012, I have NEVER made a payment since 1992, AGAIN NEVER. I challenge ARM to show proof of a payment by me on any date. ARM also reported the ORIGINAL amount as the amount in Evidence3, the original amount was in Evidence2, but ARM already reported that so they had to change the account number and report Evidence3 so that it wasn't the same bill even though it was a continuation of the same bill(ARM admitted this in their email reply to the Revdex.com) and that is not allowed by the credit agencies.  From my understanding, the statue of limitations for unpaid debt in [redacted] is 5 years from the last payment made. Five years from 1992 has long since passed and I personally have not heard from [redacted] since 2001 and 5 years from that has also long since passed. I also am not in any "covenant" with [redacted] and haven't seen any communication claiming otherwise since we parted ways in 1992.   In conclusion, you will notice that ARM didn't explain anything about the account numbers. As a matter of fact when ARM stated, and I quote, "[redacted] has assigned new charges that have accumulated since the initial assignment in 2004.",  ARM is admitting the ORIGINAL assignment was in 2004, they reported it to the credit agency, they added the new charges 10 years later, and reported AGAIN to the credit agency. You cannot report a duplicate debt which is why ARM had to change the account numbers as stated above.  Also, how can a bill from 2004 be $6400 and ten years later after "accumulation" be $6500. As a final note, please ask ARM to show proof of last payment they reported to the credit agency as shown in Evidence5.  Thank You, [redacted]
Regards,
[redacted]

#[redacted]Dear Mr. [redacted]We have received Mr. [redacted] complaint through your office.Our client, [redacted], contacted us on March 2, 2017 and advised they had placed Mr. [redacted] account for collection in error. We sent a letter toMr. [redacted] advising him of the same on the same day.We...

trust this will conclude the matter.Yours truly,[redacted]

We have received Ms. [redacted]'s complaint through your office.We have been dealing directly with Ms. [redacted] to resolve her concerns and issuesaddressed in her complaint. We believe we have reached a mutually agreedresolution with Ms. [redacted].We trust this will conclude the matter.Your Truly,[redacted]...

[redacted]Compliance Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The original conversation with the representative from  Alternative Recovery Management was clear.  They were to charge my account $75.00.  I called to speak with accounting and was given the run around by the representative and eventually transferred to her personal voice mail as I waited more than 10 minutes to speak with accounting. My bank was not able to reverse the charges. I filed a claim with the bank.  It was not until I encountered the unpleasant interaction on the phone with two representatives of this company that I contacted you. I was not comfortable with the way I was being treated.  I decided not to spend my time that way.  I spoke with my bank and they have not gotten a response from the company.  I have not received the $615.00 that was taken from my account.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have read and somewhat agree with Mrs. [redacted]'s response, however; I was promised a copy of all my transactions and I have not received it.  I called over to ARM and spoke with Mrs. [redacted] and personally gave her my email address to send them to.  I have made it VERY clear to Mrs. [redacted] and to Mr. [redacted], I WILL NOT PAY ANOTHER PENNY ON MY ACCOUNT WITHOUT SEEING WHERE ALL OF MY PREVIOUS PAYMENTS HAVE BEEN APPLIED TO.  Yes, I have copies of my bank statements of all my payments, but that is not what I am asking for.  I KNOW what I paid, I want to KNOW WHERE IT WAS APPLIED.  When I stated I would pay in January, that was under the impression that Mrs. [redacted] would be sending me a breakdown.  So honestly, speaking of being quite shocked, I was quite shocked to be brushed off yet once again.  I thought for sure Mrs. [redacted] would be able to assist me with this, as she was SHOCKED that I had never received a receipt for any of my payments.  What kind of collection or billing company does not keep a running record of payments to provide to the client? 
Regards,
[redacted]

We have received Ms. [redacted]'s continued complaint through your office.We are providing you a copy of the chargeback notice showing that Ms. [redacted]'s credit card payment was reversed contrary to Ms. [redacted]’s statement.No evidence of fees incurred due to the credit card transaction have been supplied to us by Ms. [redacted],We deny any mistreatment to Ms. [redacted]. The credit card transaction for more than the $75.00 is an apparent misunderstanding which was rectified in one day.We trust this will conclude this matter.Yours truly,[redacted] Manager

Dear Ms. [redacted]:We have received Ms. [redacted]'s complaint through your office.Apparently there was a misunderstanding regarding the amount to be charged on Ms. [redacted]'s credit card. However, the day following the charge Ms. [redacted] had her bank reverse the charge but for $75.00, which Ms....

[redacted] had offered to pay on a payment plan. We have had no communication with Ms. [redacted] since the credit card dispute, We were not aware of any costs Ms. [redacted] incurred due to the transaction until the complaint through the Revdex.com. If Ms. [redacted] supplies the evidence of costs she incurred to our office we will consider some compensation.We trust this will conclude this matter.Yours truly,[redacted] Manager

Revdex.com of San Diego4747 Viewridge Avenue, Suite 200San Diego, CA 92123Attn: [redacted]Re: [redacted]     #[redacted]Dear Ms. [redacted]:We have received Mr. [redacted]'s complaint through your office.Mr. [redacted] purchased a property from [redacted] and as of this date...

the deed is still inhis name. [redacted] assesses monthly charges and late fees on that property. FlintRidge has assigned new charges that have accumulated since the initial assignment in2004. Mr. [redacted] is incorrect in stating that we simply changed the account numberon an old debt.It would be against our fiduciary duty and relationship with our client, [redacted], tosimply close Mr. [redacted] account and remove it from his credit profile due to hisbuyers remorse.We suggest Mr. [redacted] contact us and negotiate a settlement which would include[redacted] accepting a deed back on the property.Yours truly,[redacted]Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am not satisfied with the resolution because the company was very rude and displayed passive aggressive behavior.  I am pretty sure if this has happened to me twice, then this company does this all the time to other consumers.  [redacted] which is the person who I spoke to had the same attitude as the person who made the unauthorized charges.  I will be pursing legal actions against the company and also will file a complaint with the CFPB.
Regards,
[redacted]

Dear Ms. [redacted]:We have received Mr. [redacted]'s complaint through your office.We received Mr. [redacted]'s account for collection February 11, 2011. A letter was sent that day advising Mr. [redacted] he had 30 days to request verification of the debt and when the account would be reported to the credit bureaus....

No request for verification of the debt was received. We spoke with Mr. [redacted] December 14, 2011 and Mr. [redacted] advised us he would deal directly with our client, [redacted]. We spoke with Mr. [redacted] again on February 14, 2012 and Mr. [redacted] advised us he would never pay the debt and advised us to “do what you got to do".We received a letter from Mr. [redacted] on October 14, 2015 requesting verification of the debt and we did send him the verification as requested to the address provided by Mr. [redacted]. Mr. [redacted] also requested we do not contact him further.There is no merit whatsoever to Mr. [redacted]'s complaint.We trust this will conclude this matter.Yours truly, [redacted] Manager

Revdex.com:
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 for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com of San Diego June 19, 2015[redacted]Attn: [redacted]Re: [redacted]      #[redacted]Dear Ms. [redacted]:We have received Ms. [redacted]' continued complaint through your office.Ms. [redacted] authorized us to use her credit card when she gave us the credit card numberand expiration date. No one treated Ms. [redacted] unprofessionally. We deny any conductnot congruent with State and Federal Laws.Yours truly, [redacted]Manager