Complaint Review: BULLDOG ASSEST MANAGEMENT

THANK YOU FOR THE REBUTTAL ,FIRST OF ALL ROBERT IS NOT THE OWNER SECOND DONALD IS NOT THE OWNER IN YOUR OWN REBUTTAL YOU ONLY SPOKE TO THEM NEVER MYSELF THE OWNER. THANK YOU FOR ADMITTING THAT YOU ATTEMPTED TO STEAL MONEY FROM AN AUTHORIZED ACCOUNT THIS WILL BE GIVEN TO THE STATE OF FLORIDA AS EVIDENCE. THIS REBUTTAL ISN'T SIGNED BY ANYONE SO I WILL ASSUME ITS BY HAL NEAL OR DEREK MUSE. AGAIN I WANT TO THANK YOU FOR CONFIRMING YOU NEVER SPOKE TO THE OWNER OF THIS TRUCK AND THE ONLY PLACE YOU CAN GET ANY MONEY WILL BE IN A COURT OF LAW IN THE STATE OF FLORIDA AND YOUR REBUTTAL WILL BE USED AS EVIDENCE. YOUR COMPANY HAS MY PHONE NUMBER IT IS ON THE APPLICATION I GAVE YOU I HAVE A DETAILED ATT BILL AND YOUR COMPANY HAS NEVER CALLED ME WITH ANY PROBLEMS. ON THIS REBUTTAL IT DOSEN'T SHOW YOU SPOKE TO ME THE OWNER TALKING TO EMPLOYEES ABOUT OTHER PEOPLES BILLS IS A CRIME IN ITS SELF. YOUR COMPANY LIKES TO PLAY GAMES WITH ACH AND I WILL BE BUILDING A WEBSITE TO SEE HOW MANY OTHER PEOPLE YOU DID THIS TOO. HAL NEAL AND DEREK MUSE MADE A COLLECTION ISSUE WHERE THERE SHOULD HAVE NEVER BEEN ONE ALL YOU HAD TO DO WAS CALL THE OWNER AND IN YOUR OWN STATEMENT YOU DID NOT CALL ME.

SEE YOU IN COURT

• 6/5- Robert bounced the June payment.  He repaid this on 6/15.
  
  
• 7/5- The July payment bounced. 
  
  
• 7/13- Robert stated the account had been closed due to fraud and he would be sending a replacement check. 
  
  
• 7/22- Collector called Robert because the check had not been received.  Robert stated ck#2907 was in the mail.
  
  
• 7/27- No check received.  Customer's wireless stated he was not available.
  
  
• 7/28- Still no check.  Collector spoke with customer.  Replacement check to be sent priority mail.
  
  
• 8/2- Received replacement ck#2915.  At this time collector thought this was the replacement check for the account.  The customer has experienced fraud and would be sending new banking information 
  
  
• 8/5- The August payment was pulled from this new checking account.
  
  
• 8/10- The August payment was returned as NSF.  At this point collector called the customer. Robert then stated we had pulled this pavement illegally and this was fraud.
  
  
• 8/10-  Collector called the customer and spoke with Donald.  I let him know that we would refund them for all NSF charges incurred if he would fax me the backup showing the charges.  Donald stated that he would.
  
  
• 8/19- No backup has been received.  Collector called the customer repeatedly but received no answer or was informed the "cellular customer was not available"
  
  
• 8/20- Collector called the customer at 3:50 pm.  Collector spoke with the night dispatch who started collector would have to speak with Robert.  He would call back on Monday. Still no backup
  
  
• 8/24- both numbers on file state "the customer is not available.  please try again later.  Collector called back and received the same answer.
  
  
• 8/24- Donald left a message stating he had faxed the backup and had a confirmation.  Collector check all e-faxes that had been received this month and no backup had been received.  Collector called the customer and was told Donald would not be available until 4:00.  Collector called back after 4 and received the message stating the customer was not available.
  
  
• 8/26- Collector sent an email to the customer stating that collector did not have the backup supporting the NSF Fees and that collector needed to fix the problem with his ACH
  
  
• 8/27- collector received a email response from Donald Wilcox stating as soon as NSF for $64 had been refunded he would make a payment.  He also replied to question regarding future ACH pulls.  He threatened if there were any authorized pulls from his account.  Collector replied to this email requesting the needed backup.
  
  
•  9/10- September ACH payment was returned as account closed.
  
  
• 9/13- Collector sent another email to the customer requesting the backup showing these NSF charges.
  
  
• 9/17- Collector sent out a notice of default letter.
  
  
•  9/20- Email received from customer stating that we had received the proper ach info on 8/2.  He faxed me a printout from the FED EX website saying we received this 6 times.  He faxed it to both collector fax and the company fax.  He had no problem sending it to collector efax this time.  Customer never sent back up for charges so they could be paid. Requested again.
  
  
• Collector responded to this email stating needed the backup to get the situation handled. 
  
  
• 9/28- Repossessed the truck, 2 months past due with no promise of payment and another due on 10/5.  Customer did everything to avoid getting us the information needed to reimburse him.  We are still willing to reimburse for the expenses related to the ACH, if the documentation is ever recieved.