Card Works Servicing

Review: In 2012 I made arrangements with Card Works and have just found out that my payments never hit my account or credit report. Dear [redacted],Re: Thank you for responding to our Settlement Offer This email is to inform you that we have received your acceptance to our Settlement Offer. To take full advantage of this settlement offer, please insure that enough funds are available in your checking account; declined payments due to non-sufficient funds will void this offer. If you become aware that you will not be able to meet the offer requirements, you must call us to make additional arrangements. You can reach us at ###-###-#### on Monday - Wednesdays, Fridays between 8:00 am to 9:00 pm EST, Thursday 12:30 pm to 9:00 pm EST and Saturdays between 8:00 am to 4:30 pm EST. Thank you again for accepting our settlement offer. Were here and ready to help you.Note: For the safety and security of your personal information, you cannot reply to this email and there are no direct links to our website.Desired Settlement: I have been paying $28.63 via check through [redacted] since 2012 I have all the proof. They never posted to my credit card that I thought I made a deal with. I have paid them $916.16 total as of November 2014. I have sense closed my [redacted] account due to their compromising my account and taking money and never posting or applying to my credit debt.

Business

Response:

Thank you for your recent correspondence regarding the above-referenced individual.It is unclear why Ms. [redacted] believes that her payments have not been credited; her account is currently on an extended settlement agreement. Payments in the amount of $28.36 monthly have been received, totaling $822.44 with the last payment received on November 17, 2014. This account is currently being handled by [redacted] a third party agency hired by [redacted], the original creditor. They have confirmed that her next post-dated check is due on December 17, 2014 in accordance with the settlement arrangement. Because this account was charged off by [redacted] in 2009, statements are no longer being generated for this account. However, upon completion of the settlement, Ms. [redacted]’s account will be reported as having been settled in full. If Ms. [redacted] has any other questions regarding this account, she may call 1-877-394-5975 and a Carson Smithfield representative will be happy to answer any questions she may have.Thank you for the opportunity to respond.