|
11542738
|
2025-01-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11247418
|
2024-12-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6212359
|
2022-11-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was connected about a XXXX XXXX XXXX that I have never had. I live in XXXX and the bill is in XXXX. I spoke to VALOR INTELLIGENT PROCESSING on numerous occasions and explain this was not my bill please provide me with a signed contract, which I have never received
|
| Consumer Consent Provided |
Consent provided
|
|
|
6241362
|
2022-11-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2022-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I, XXXX XXXX received notification from credit reporting agency on XXXX XXXX that a collection from Valor Intelligent Processing had placed a collection accounts on my credit reports. I was not aware of any debt collection attempt from this company. I called the number listed several times on credit report XXXX but no answer. I also searched their website www.valorvip.com and obtained another number XXXX and no answer as well. So I decided to file complaint since they failed to contact me to give me my right to verify or validate this debt before placing on my credit which dropped my scores by XXXX points. I see from credit report they acquired debt in or around XX/XX/2022 and never sent me anything through mail to attempt to verify or validate this.
Valor Intelligent processing XXXX XXXX XXXX XXXX, Fl XXXX Or XXXX XXXX XXXX XXXX XXXX, fl XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5723353
|
2022-06-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-30
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-30
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Consumer Consent Provided |
N/A
|
|
|
4015877
|
2020-12-16
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Other debt
|
| Date Received |
2020-12-16
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
6564717
|
2023-02-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2023-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I received 2 invoices for unpaid tolls by Florida XXXX. XXXX invoice was sent to me in XXXX of 2022 the other was sent to me on XXXX of 2022. I paid both of those invoices when I got them but for some reason they got sent to Valor Intelligent Processing for collections. I went through the dispute process on Valors website and sent them the proof of payment for both of the toll invoices as well as the statement from my ipass transponder ( which is used as a backup when incase sunpass doesnt work ) and it showed that my ipass also paid some of the tolls that were accrued on XX/XX/XXXX and XX/XX/XXXX of 2022. They denied my dispute by sending me a generic email that very clearly showed they took no time to look at my dispute as it was addressed to Sir or Madam and the body of the email simply said " XXXX only sends your invoices to us when they don't receive a response for the unpaid tolls '' However I paid both the invoices so clearly I responded. I then called someone at Valor Intelligent Processing and they kept telling me that they had " No proof of payment '' even though I sent them 3 different proofs of payment. They have refused to acknowledge this debt is paid which has now caused a hold to be placed on my registration so I can no longer renew it.
I also contacted XXXX about this incident and they agreed that they made a mistake and confirmed that my account was in good standing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7254542
|
2023-07-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte XXXX XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
|
| Consumer Consent Provided |
Consent provided
|
|
|
9991105
|
2024-09-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
|
|
8171895
|
2024-01-17
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7851040
|
2023-11-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This company is stating that I allegedly owe them a debt that was removed from my credit report this year. This debt was sold and this company purchased from a XXXX of debt. This alleged debt has affected my of obtaining credit and I shouldn't be punished by a company that violated my consumer rights
|
| Consumer Consent Provided |
Consent provided
|
|
|
7579217
|
2023-09-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2023-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7178751
|
2023-06-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2023-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7387509
|
2023-08-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2023-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I am writing to address an ongoing matter pertaining to a debt allegedly owed to XXXX, which has been brought to my attention through communications from Valor Intelligence Processing and subsequent collection agencies.
In an initial correspondence with a representative from Valor Intelligence Processing, I expressly conveyed my request for a validation letter regarding the purported debt. Regrettably, despite their assertion of having dispatched the validation letter, I have not received any documentation substantiating its dispatch, nor any verifiable means of tracking its delivery. This lack of tangible evidence raises concerns as to the authenticity and procedural regularity of the communication.
Furthermore, on XX/XX/, I was once again contacted by a collection agency in relation to the same debt matter. It bears noting that during this interaction, I reiterated my denial of any obligation and reiterated my request for a debt validation letter. Unfortunately, as with the previous instance, the validation letter remained conspicuously absent from subsequent communications, thereby impeding my ability to fully comprehend the basis of the alleged debt.
A similar scenario unfolded on XX/XX/XXXX, XXXX, when I was contacted anew by the collection agency, prompting yet another explanation on my part regarding the inaccuracy of the purported debt. At this juncture, I reiterated my demand for a debt validation letter, while additionally expressing a desire to converse with a supervisor. Despite being assured that a supervisory contact would be established within a 24-hour timeframe, no such communication materialized.
Subsequent to these interactions, I received another call from the collection agency on XX/XX/XXXX, again urging me to remit payment for the debt in question. My response remained consistent I maintained that the alleged debt was not substantiated by any legitimate obligation on my part and that I continued to await the requested debt validation letter. It was during this communication that an email address was provided for the purpose of formally submitting my request. Eager to rectify this situation, I promptly transmitted an email expressing my concerns and reiterating my request for validation.
As of XX/XX/XXXX, the date of this correspondence, I have received communication from yet another collection agency indicating the recent transfer of the account in question to their administration. This transfer prompts me to address these concerns anew, as the matter remains unresolved despite multiple attempts to ascertain the veracity of the alleged debt and its accompanying documentation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7023446
|
2023-05-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5455495
|
2022-04-16
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2022-04-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4379009
|
2021-05-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2021-05-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Attempt to collect a debt previously discharged by original creditor Faiklure to respond to request for debt validation XX/XX/2021.
45 days have passed as of XX/XX/2021 2021
|
| Consumer Consent Provided |
Consent provided
|
|
|
7913981
|
2023-11-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2023-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4981910
|
2021-12-07
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2021-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received today a XXXX XXXX Notice from a debt collector called Valor Intelligent Services. The Notice claims that I owe {$21.00} for an alleged debt regarding tolls incurred by some automobile, however, it is impossible to read the license plate number from the photo that the debt collector has included on the XXXX XXXX Notice.
The Collection Notice fails to provide the following required information : A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information. If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not Falsely represent or imply that the consumer committed a crime or other conduct to disgrace the consumer. This paragraph from their Collection violates this provision : YOUR ACCOUNT IS IN COLLECTIONS Please resolve this matter by XX/XX/2021 to avoid an additional of {$15.00}, and the placernent of a STOP on your vehicle 's registration.
Use or distribute written communications made to look like or falsely represent documents authorized, issued, or approved by any court, official, or agency of the United States or any state if the appearance or wording would give a false impression of the documents source, authorization, or approval When I called the credit reporting company 's headquarter, a call that was recorded by me after informing the other party, the XXXX employee : Failed to disclose in the initial written communication with the consumer, and the initial communication if it precedes the initial written communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.
See attached Guidance from the CFPB. A copy of the debt collector 's first communication is attached so that its violations can be verified by CFPB. The communication further proves that the license plate number is illegible in the photo. I attempted to pay the toll for License Plate XXXX, which was actually printed on the first notification from the alleged original creditor, proving that even they could not decipher the illegible photo. When I entered the Invoice Number with the license plate, XXXX, no violation was displayed by the computer system. Because of the problems with the photo, the difficulty with reading and confirming the license plate number in the photo, which is the sole evidence that supports the alleged debt, the XXXX XXXX agent stated that he would request that his supervisor cancel the debt. I never heard back from XXXX XXXXXXXX, until today 's notification.
XXXX XXXX XXXX XXXX XXXX.
Attorney at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6391364
|
2023-01-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2023-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4714118
|
2021-09-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2021-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Switched phone providers from XXXX to XXXX due to XXXX 's high costs in XX/XX/XXXX. Utilized XXXX for many years, had no extra device or equipment payments, just basic phone plan. Also, was not in any kind of contract due to using XXXX for over 5 years. Was also paid up to date on all basic phone services ; upon switch I confirmed with XXXX, and my new provider XXXX confirmed this as well prior to making change.
1 year later on XX/XX/XXXX I received a collections notification from a company called Valor Intelligent Processing stating I owe {$130.00} to there client XXXX XXXX, for a total of {$150.00} including there fee. This was the first and only notice I ever received stating I owe money for this account. The notice provides no description of what the amount is for. Tried calling Valor & XXXX and was provided no details on the alleged debt..
|
| Consumer Consent Provided |
Consent provided
|
|
|
4258147
|
2021-03-30
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Other debt
|
| Date Received |
2021-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8646475
|
2024-03-29
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Valor Intelligent Processing, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-03-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-29
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Consumer Consent Provided |
Consent not provided
|
|
