Initial Business Response /* (1000, 5, 2016/03/18) */
March 18,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in response to your
correspondence regarding the above case number
Upon receipt of this complaint we began an investigation and could not locate your name in our recordsWe are J.CChristensen & Associates, Inc., a third party debt collection agency, located in Sartell, MNJ.CChristensen & Associates, Incis a legitimate company in good standing with state regulators and accredited by the Revdex.com with an A+ rating
Over the last month we have received numerous complaints similar in nature to what you are describingWhen provided, we have called the toll free numbers listed in the complaint and it does not ring to our company, but instead rings to another company who identifies themselves as JCC in Miami, FloridaThey claim to perform arbitration matters for consumers with legal mattersWe have tried to find out more information about this company via the Internet, but so far have been unsuccessful
J.CChristensen & Associates, Inchas one location in Minnesota and we are in no way associated with this company in FloridaIf we can be of further assistance, please don't hesitate to call us at ***
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Consumer Rebuttal /* (2000, 7, 2016/03/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Yes, I accept J.CChristensen & Associates, IncexplanationHowever, knowing how these companies constantly disrespect peoples privacy, selling of lists and if the JCC Company in Miami is misrepresenting their company name on purpose to avoid legal actionI have Lawyers, one in Vermont and one in Washington D.Chelping to clean up the issues caused my *** stealing money out of accounts, misrepresenting her children to open accounts and I have lost far to much to continue playing these games with either of these collection companiesI want this case to stay open until the exact company is identifies to continue to misuse my information, contacting 3-third party, constant harassment of close family, friends and this will be addressed with appropriate legal actionIt is NOT right for women to be able to consistently break laws, run up debts, using her children to open up accounts in their namesPresently pursuing changes in these laws in the State of VermontBetween allowing women to steal children out of the State of Vermont, not enforcing a fathers rights to have access to his children while being FORCED to pay 90% of Child SupportAfter serving this country honorably in branches of service, risking my life and almost losing my life to comeback and be treated the way I was treated in the State of VermontI want the information of JCC in Miami, FloridaThese Debt Collection companies constantly abuse their use of the law, using generic names, not fully investigating they situationWhether JCC in Miami is associated with J.CChristensen & Associates, Incand they are sharing information to constantly harass me, I want it resolvedI am attempting to clean up and CUT all ties with the State of VermontIt is one of the WORST States I have ever experienced with a never ending excuse of people getting away with breaking laws after proof has been presentedI have lost far to much time, money and losing beautiful children for whom I paid child support for 15+ years now without seeing themI could seriously careless what either of these companies feel about these small amounts of money that*** has ripped us all off by abusing the system to help her and her children to get off of welfareVermont is a HORRIBLE State due to setting these people up for failure, they provide assistance with earning limits which keeps these people poor, unable to get out of poverty, using tactics testing the limits of the system knowing in fact they will never be held responsible nor accountableMy advice to both of these companies, I no longer want my information associated in anyway with this woman ***, I have lost far to much already, I have also had enoughEither clean these accounts off my, right them off or come forward with a reasonable way for my name to be clearedI regret every serving as it is, I seriously regret ever protecting the kind of complete ss with no respect of others or how their actions can impact others and their familiesI get a phone call from either of these companies, I am on a DO NOT CALL Registry, forward the information using proper legal meansI want to put an end to this never ending harassment, I want closure on these mistakes in my life by allowing the wrong woman or women in my life who seriously never deserved to carry my family nameI have always been a hard worker, always embracing new challenges and designing new systems which generated over $200+ Billion Dollars in under a year breaking a company record at Fidelity InvestmentsThe women these days have no respect for a person with a hard work ethic, with a love of solving and designing new systems and new business modelsI have lost enough due to the immaturity, lack of respect for others and the complete abuse of the system by these individualsI want to complete my MBA where I was forced to put down due to the immaturity of these individualsContact my Lawyer's, if you need their information I will be more than glad to provide the informationI want this case open, until I get the information to contact JCC in Miami, FLand proof both of these companies are not purposely making me chase due to both abusing the system
Initial Business Response /* (1000, 5, 2016/01/29) */
January 29,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in
response to your correspondence regarding the above case number
A creditor placed an account with J.CChristensen & Associates, Inc("JCC")The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth their right to dispute the debt and demand verification of the debtThis notice was not returned as undeliverableWhen collecting on accounts, a debt collector may rely on the information the creditor-clients provideThe FDCPA does not require debt collectors to conduct an independent investigation into the amount or validity of the underlying claimCourts have held that the initial collection letter provides a consumer with the information necessary to understand his rights and stop collection activities in the event an unintentional error occurred
On January 15, the consumer called our office to dispute the debt and we immediately placed the account in a verbal dispute status and sent a validating letter asking for further details of the disputeWe did not receive any further communication or supporting information explaining the dispute that would have aided us and the creditor in investigating the situationIf this is a fraud issue the consumer should obtain a police report, Federal Trade Commission Identity Theft Affidavit or other documentation substantiating the identity theft/fraudulent account and provide that to current creditor
JCC has ceased communication on the account and copied the current creditor on this complaint and our responseIf I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear Revdex.com, This bill is not my bill and I did talk to the lady at this business she told me that they had the wrong personThank You for helping Have a blessed Day, ***,
Final Consumer Response /* (2000, 8, 2016/02/01) */
I am rejecting this response because:
They still wont work with me on paymentsI am disabled and am not working at this timeI am on a very limited income and cant pay what they want me to pay
Initial Business Response /* (1000, 5, 2015/12/31) */
December 31,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in response
to your correspondence regarding the above case number
CareCall, Inchas attempted to reach the consumer to complete a satisfaction surveyWe do show the consumer declined our survey on December 24, and we subsequently marked her number as do not callWe apologize for any inconvenience
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Business Response /* (1000, 5, 2015/07/09) */
July 9,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in
response to your correspondence regarding the above case number
The consumer is correct that in early (March) she settled an account that was placed with J.CChristensen & Associates, Inc("JCC")JCC in turn notified the creditor of the final settlement paymentUpon receipt of this complaint we contacted the current creditor to investigate the listed concernsThe current creditor assured us the final payment JCC reported was posted to the consumer's account and on June 11, the consumer's credit bureau tradeline was updated to paid in full
The complaint provided us no account number information to determine if the account appearing on her credit bureau is the same one placed with JCCI have sent a payment receipt to the consumer and would suggest she contact *** to compare the original account numbers to determine if they are the sameShe can also contact the servicer for the account placed with JCC at 1-888-665-
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Consumer Rebuttal /* (3000, 7, 2015/07/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The account in question was for my capital one card which shows it is in the hands of midland creditThis means that account was sold to them after I paid the settlementWhere do I send copies of my bank statement and account info from JC Chrstoenson to, the Revdex.com ot JC Christensen themselvesThis is still on them because it is still on my credit and by another creditor at that
Final Business Response /* (4000, 9, 2015/07/23) */
July 23,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in further response to your correspondence regarding the above case number
J.CChristensen & Associates, Inc("JCC") is a third party debt collection agency that does not purchase debtJCC did not report this debt on the consumer's credit bureauJCC reported the settle-in-full payment to the current creditor who has told us the consumer's bureau has been updated appropriately
The account number JCC collected on ended in I would strongly encourage the consumer to contact *** at *** (obtained through a web search) to inquire if the account they are collecting on ends with the same digitsIf in fact the account numbers match she should ask them to send her a letter with that information such that she can forward it to JCCUpon receipt of that documentation we can further investigate with our client
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Business Response /* (1000, 5, 2015/10/01) */
October 1, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
J.C. Christensen & Associates, Inc. did not call the consumer's number, however our sister company
CareCall, Inc. did attempt to do so. CareCall was calling the consumer on behalf of their insurance company, Blue Cross Blue Shield of Tennessee. CareCall was calling to complete a satisfaction survey. We have placed the consumer's number ending in [redacted] on our do not call list.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Consumer Rebuttal /* (2000, 7, 2015/10/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Because responses are publicly posted J.C. Christensen & Associates, Inc. (“JCC”) will draft and send a detailed response directly to the consumer. If I can be of further assistance, please don’t hesitate to call me at ###-###-####.
Initial Business Response /* (1000, 5, 2015/05/21) */
May 21, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in response to your...
correspondence regarding the above case number.
We have reviewed the consumer's complaint sent by your office. As a result of our investigation we have made the following determination(s): Our office received placement of an account in the name of Ms. [redacted] on May 6th, 2015. The creditor is a client of ours. On May 14th, we received correspondence from the Revdex.com of Minnesota and North Dakota informing us of Ms. [redacted]'s complaint. In the complaint, Ms. [redacted] stated that she is paying the creditor directly, therefore disputing our client placing her file with us. This was our first knowledge of the dispute as we had been unsuccessful in reaching Ms. [redacted].
Immediately, our office placed Ms. [redacted]'s account on hold and, as requested, ceased all collection efforts. In addition, we have since closed the account in our office and provided the creditor with Ms. [redacted]'s complaint and this response, such that they may be aware of her concerns and dispute.
We appreciate Ms. [redacted]'s efforts in working with us to resolve this matter. We apologize for any inconvenience that may have occurred. We hope this information aids resolution for Ms. [redacted].
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Business Response /* (1000, 5, 2015/05/08) */
May 5, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in response to your...
correspondence regarding the above case number.
We have reviewed the complaint and the related matter. As a result of our investigation we have made the following determinations: First, I would like to thank Mr. [redacted] for providing us with feedback on our efforts as this is one tool we can use to continue to improve our operations. In February of this year, our office received placement of an account in Mr. [redacted]'s name from one of our clients. In his complaint, Mr. [redacted] states that he has never had an account with the original creditor[redacted]. Since J.C. Christensen & Associates is not the creditor and does not own the account, we are unable to resolve that dispute directly, but at receiving his complaint, we immediately ceased all collection efforts and have since returned the account back to the creditor for further investigation. I can assure you that Mr. [redacted] will not be receiving any further communications from our office in regard to this matter. In addition, JCC has provided a copy of Mr. [redacted]'s complaint and this response to the creditor such that they can note their records and be aware of his concerns. If I can be of further assistance, please don't hesitate to call me at[redacted]. We appreciate Mr. [redacted]'s efforts in working with us to resolve this matter. We sincerely hope this represents a satisfactory resolution to Mr. [redacted]'s concerns.
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Consumer Rebuttal /* (2000, 7, 2015/05/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied with the response and actions.
Initial Business Response /* (1000, 5, 2015/09/01) */
September 1, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
A creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC") for collection ("Account"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA").
The consumer alleges he encountered unprofessional behavior from JCC's representatives. JCC assures you it takes consumer allegations very seriously. JCC trains its employees to conduct themselves in a professional manner. JCC does not condone or tolerate rude, harassing or unprofessional behavior. Our compliance team has reviewed the communication the consumer expressed dissatisfaction with and, if necessary, completed appropriate remedies.
The Fair Credit Reporting Act ("FCRA") outlines under what circumstances a consumer report can be accessed. Under Section 1681b(3)(a) of the FCRA a permissible purpose is listed as: intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. Thus, JCC had a permissible purpose for the inquiry dated April 21, 2015. As such, JCC is unable to provide the consumer with the requested resolution of removing the inquiry from his credit report.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2015/08/10) */
August 10, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
A creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth their right to dispute the debt and demand verification of the debt. This notice was not returned as undeliverable. When collecting on accounts, a debt collector may rely on the information the creditor-clients provide. The FDCPA does not require debt collectors to conduct an independent investigation into the amount or validity of the underlying claim. Courts have held that the initial collection letter provides a consumer with the information necessary to understand his rights and stop collection activities in the event an unintentional error occurred.
On July 2, 2015 the consumer called our office to dispute the debt and we immediately placed the account in a verbal dispute status and sent a validating letter asking for further details of the dispute. We did not receive any further communication or supporting information explaining the dispute that would have aided us and the creditor in investigating the situation. If this is a fraud issue the consumer should obtain a police report, Federal Trade Commission Identity Theft Affidavit or other documentation substantiating the identity theft/fraudulent account and provide that to current creditor.
JCC has ceased collection activity on the account and will close and return the account to the current creditor. If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 9, 2016/02/22) */
February 22, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
Because responses...
are publicly posted J.C. Christensen & Associates, Inc. ("JCC") has drafted a detailed response that we have provided directly to the consumer. If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2015/05/08) */
May 5, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in response to your...
correspondence regarding the above case number.
We have reviewed the complaint and the related matter. As a result of our investigation we have made the following determinations: First, I would like to thank Ms. [redacted] for providing us with feedback on our efforts, as this is one tool we can use to continue to improve our operations. In April of this year, our office received placement of an account in Mr. [redacted]'s name for collections. The account originated from a [redacted] account and listed Ms. [redacted] as co-maker. In reference to her complaint, we documented her concerns but since J.C. Christensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms. [redacted]'s dispute of the debt directly. At receiving her complaint, JCC immediately ceased all collection efforts and have since returned the account back to the creditor for further investigation. In addition, JCC has provided a copy of Ms. [redacted]'s complaint and this response to the creditor such that they can note their records and be aware of her concerns so I would recommend that all questions and concerns regarding the debt be directed to the creditor. If I can be of further assistance, please don't hesitate to call me at[redacted]. We appreciate Ms. [redacted]'s efforts in working with us to resolve this matter. We sincerely hope this represents a satisfactory resolution to Ms. [redacted]'s concerns.
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Consumer Rebuttal /* (3000, 7, 2015/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This response makes no sense. First off, why was there no mention of this being MR.[redacted]'s debt in their original letter to me and me being a supposed "co-maker"- whatever that means..??? How does an [redacted] Credit card account "originate from a [redacted] account"? [redacted] is a former place of employment for Mr. [redacted], not a place where you receive credit from. And I do know Mr. [redacted], as he was a former roommate in college, but he is not someone who I could have shared a credit account with- at most I might have been listed as a contact- and that was over 10 years ago! I spoke with Mr. [redacted] about this matter and he too has run his credit reports in recent times and has no indication of this supposed debt, nor has he been contacted about it. I have also spoken with the creditor of AE and they have no account matching myself or Mr. [redacted] up to this supposed account that is in debt.
I will wait to hear from the supposed original creditor that this was turned back over to. It's funny though that I've had an acct. with AE for over 10 years so they have all of my contact information. If I was associated with an unpaid debt to them it would have been very easy for them to contact me!
I believe JC Christensen is trying to pull some shady st on me. I know they inquired into my credit report on April 10th (about 5 days before I got their collection letter). And I know some half educated internet searches could link me to my old roommate and dig up some info that makes it seem like you know what you're talking about. Better luck with the next sucker, because I'm not her! You should find a legitimate way to own a business and not try to scam honest, hard working people.
I request that I be given the name and phone number of "the original creditor." Also I have yet to recieve a response to my letter that was mailed to JC Christensen, I would like a hard copy letter from JC Christensen rescinding their debt collection efforts and giving me the contact information the the supposed creditor that this collection originally came from.
Final Business Response /* (4000, 9, 2015/05/21) */
May 21, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
Please except this letter as a formal communication with further explanation of the aforementioned case number.
We have reviewed Ms. [redacted] observations and would like to apologize for the misrepresentation of facts in the initial response. It is understood her level of dissatisfaction, and the appropriate measures on future fact finding have been addressed.
The original creditor was [redacted] and the merchant was [redacted]. On our previous response we stated that the account originated from a [redacted] debt and we apologize for the confusion. In the file that was place with our organization, [redacted] was shown as a prior place of employment for Mr. [redacted].
In reference to her complaint and the follow-up comment, we documented her concerns but since J.C. Christensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms. [redacted]'s dispute of the debt directly. JCC ceased all collection efforts since her initial notice and have since returned the account back to the creditor for further investigation. In addition, JCC has provided a copy of Ms. [redacted]'s complaint and this response to the creditor such that they can note their records and be aware of her concerns.
If I can be of further assistance, please don't hesitate to call me at[redacted]. We appreciate Ms. [redacted]'s efforts in working with us to resolve this matter. We sincerely hope this represents a satisfactory resolution to Ms. [redacted]'s concerns.
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Business Response /* (1000, 5, 2015/12/11) */
December 11, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
Upon receipt of this complaint JCC conducted a review of the accounts placed with J.C. Christensen & Associates, Inc. ("JCC"). My review found JCC has not used the consumer's home number in their caller ID, nor did we find that multiple calls were placed in any one given day. We have added the consumer's home phone number to our internal "do not call" list, which should prevent further calls from our organization.
The consumer alleges she encountered unprofessional behavior from JCC's representatives. JCC assures you it takes consumer allegations very seriously. JCC trains its employees to conduct themselves in a professional manner. JCC does not condone or tolerate rude, harassing or unprofessional behavior.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2016/01/06) */
December 6, 2016
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
In December 2015 a creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC") for collection ("Account"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth the consumer's right to dispute the debt and demand verification of the debt. When collecting on accounts, a debt collector may rely on the information the creditor-clients provide. The FDCPA does not require debt collectors to conduct an independent investigation into the amount or validity of the underlying claim. Courts have held that the initial collection letter provides a consumer with the information necessary to understand his rights and stop collection activities in the event an unintentional error occurred.
JCC has never spoken to the consumer and was unaware the debt was in dispute. We have never refused to provide proof of the debt as we have never been asked to provide such. JCC is not a data furnisher with respect to this account and has not reported the debt to any consumer reporting agency. As such, JCC is unable to provide the consumer with the requested resolution of removing the debt from his credit report.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Consumer Rebuttal /* (3000, 7, 2016/01/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You are trying to collect on a debt that DOES NOT belong to me. And you are not honest when you claim I have not disputed this debt with you. I have disputed this debt with you twice. First by phone when your company contacted me, and second in writing, in a letter mailed to your company on December 9, 2015. After I disputed this debt and asked for proof, I continued to receive phone calls and collection notices in the mail. I never received proof of this debt from you as requested. You are telling me you aren't reporting this debt to the credit bureaus. However, you are still trying to collect on it. Have you deleted my account with your company and ceased collection efforts?
Final Business Response /* (4000, 9, 2016/01/15) */
J.C. Christensen & Associates, Inc. ("JCC") is not the creditor on this account, but rather was hired as a third party debt collector. I am being honest with you when I state we received this account on December 7, 2015 and had not received any correspondence disputing this debt until receipt of this complaint. We did speak to an individual on December 15, 2015 who would not confirm his identity and asked us to cease calls and we complied; no information about the debt was released during this call. Perhaps you are confusing JCC with communications you have had with the creditor. Upon receipt of the original complaint from the Revdex.com JCC ceased all collection activity and notified the creditor of your dispute.
Initial Business Response /* (1000, 5, 2015/06/26) */
June 26, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
A creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth the consumer's right to dispute the debt and demand verification of the debt. In the course of doing business our office is permitted to rely on the information placed with us by our clients to initiate recovery efforts.
Our client does not show this account charged off to bankruptcy. JCC has not received a copy of a police report, Federal Trade Commission Identity Theft Affidavit or other documentation substantiating identity theft/fraudulent account allegations. JCC has ceased all collection efforts on the account and has closed and returned the account to the creditor along with a copy of this complaint and our response.
JCC welcomes the consumer to review our company information located at www.arraysg.com. JCC is a legitimate company in good standing with the State of Minnesota. Furthermore, JCC is properly licensed and in good standing and bonded by the appropriate regulatory authorities where required.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2015/10/07) */
October 7, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
Your account was recently placed with us and we were unaware of the disputed nature of the debt. We have sent a copy of this complaint along with a copy of our response to the current creditor. We have ceased collection activity on the account.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Consumer Rebuttal /* (2000, 7, 2015/10/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Response is accepted as long as this does not affect my name in anyway.
[redacted]
Initial Business Response /* (1000, 5, 2016/03/07) */
Because responses are publicly posted J.C. Christensen & Associates, Inc. ("JCC") has drafted a detailed response that will be provided directly to the consumer. If I can be of further assistance, please don't hesitate to call me at...
[redacted].
Initial Consumer Rebuttal /* (2000, 7, 2016/03/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company sent me a notice that the charge had been recalled by the originator company and written off, and that I no longer owe on the bill.
Initial Business Response /* (1000, 5, 2016/03/18) */
s with no respect of others or how their actions can impact others and their familiesI get a phone call from either of these companies, I am on a DO NOT CALL Registry, forward the information using proper legal meansI want to put an end to this never ending harassment, I want closure on these mistakes in my life by allowing the wrong woman or women in my life who seriously never deserved to carry my family nameI have always been a hard worker, always embracing new challenges and designing new systems which generated over $200+ Billion Dollars in under a year breaking a company record at Fidelity InvestmentsThe women these days have no respect for a person with a hard work ethic, with a love of solving and designing new systems and new business modelsI have lost enough due to the immaturity, lack of respect for others and the complete abuse of the system by these individualsI want to complete my MBA where I was forced to put down due to the immaturity of these individualsContact my Lawyer's, if you need their information I will be more than glad to provide the informationI want this case open, until I get the information to contact JCC in Miami, FLand proof both of these companies are not purposely making me chase due to both abusing the system
March 18,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in response to your
correspondence regarding the above case number
Upon receipt of this complaint we began an investigation and could not locate your name in our recordsWe are J.CChristensen & Associates, Inc., a third party debt collection agency, located in Sartell, MNJ.CChristensen & Associates, Incis a legitimate company in good standing with state regulators and accredited by the Revdex.com with an A+ rating
Over the last month we have received numerous complaints similar in nature to what you are describingWhen provided, we have called the toll free numbers listed in the complaint and it does not ring to our company, but instead rings to another company who identifies themselves as JCC in Miami, FloridaThey claim to perform arbitration matters for consumers with legal mattersWe have tried to find out more information about this company via the Internet, but so far have been unsuccessful
J.CChristensen & Associates, Inchas one location in Minnesota and we are in no way associated with this company in FloridaIf we can be of further assistance, please don't hesitate to call us at ***
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Consumer Rebuttal /* (2000, 7, 2016/03/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Yes, I accept J.CChristensen & Associates, IncexplanationHowever, knowing how these companies constantly disrespect peoples privacy, selling of lists and if the JCC Company in Miami is misrepresenting their company name on purpose to avoid legal actionI have Lawyers, one in Vermont and one in Washington D.Chelping to clean up the issues caused my *** stealing money out of accounts, misrepresenting her children to open accounts and I have lost far to much to continue playing these games with either of these collection companiesI want this case to stay open until the exact company is identifies to continue to misuse my information, contacting 3-third party, constant harassment of close family, friends and this will be addressed with appropriate legal actionIt is NOT right for women to be able to consistently break laws, run up debts, using her children to open up accounts in their namesPresently pursuing changes in these laws in the State of VermontBetween allowing women to steal children out of the State of Vermont, not enforcing a fathers rights to have access to his children while being FORCED to pay 90% of Child SupportAfter serving this country honorably in branches of service, risking my life and almost losing my life to comeback and be treated the way I was treated in the State of VermontI want the information of JCC in Miami, FloridaThese Debt Collection companies constantly abuse their use of the law, using generic names, not fully investigating they situationWhether JCC in Miami is associated with J.CChristensen & Associates, Incand they are sharing information to constantly harass me, I want it resolvedI am attempting to clean up and CUT all ties with the State of VermontIt is one of the WORST States I have ever experienced with a never ending excuse of people getting away with breaking laws after proof has been presentedI have lost far to much time, money and losing beautiful children for whom I paid child support for 15+ years now without seeing themI could seriously careless what either of these companies feel about these small amounts of money that*** has ripped us all off by abusing the system to help her and her children to get off of welfareVermont is a HORRIBLE State due to setting these people up for failure, they provide assistance with earning limits which keeps these people poor, unable to get out of poverty, using tactics testing the limits of the system knowing in fact they will never be held responsible nor accountableMy advice to both of these companies, I no longer want my information associated in anyway with this woman ***, I have lost far to much already, I have also had enoughEither clean these accounts off my, right them off or come forward with a reasonable way for my name to be clearedI regret every serving as it is, I seriously regret ever protecting the kind of complete s
Initial Business Response /* (1000, 5, 2016/01/29) */
January 29,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in
response to your correspondence regarding the above case number
A creditor placed an account with J.CChristensen & Associates, Inc("JCC")The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth their right to dispute the debt and demand verification of the debtThis notice was not returned as undeliverableWhen collecting on accounts, a debt collector may rely on the information the creditor-clients provideThe FDCPA does not require debt collectors to conduct an independent investigation into the amount or validity of the underlying claimCourts have held that the initial collection letter provides a consumer with the information necessary to understand his rights and stop collection activities in the event an unintentional error occurred
On January 15, the consumer called our office to dispute the debt and we immediately placed the account in a verbal dispute status and sent a validating letter asking for further details of the disputeWe did not receive any further communication or supporting information explaining the dispute that would have aided us and the creditor in investigating the situationIf this is a fraud issue the consumer should obtain a police report, Federal Trade Commission Identity Theft Affidavit or other documentation substantiating the identity theft/fraudulent account and provide that to current creditor
JCC has ceased communication on the account and copied the current creditor on this complaint and our responseIf I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear Revdex.com, This bill is not my bill and I did talk to the lady at this business she told me that they had the wrong personThank You for helping Have a blessed Day, ***,
Final Consumer Response /* (2000, 8, 2016/02/01) */
I am rejecting this response because:
They still wont work with me on paymentsI am disabled and am not working at this timeI am on a very limited income and cant pay what they want me to pay
Initial Business Response /* (1000, 5, 2015/12/31) */
December 31,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in response
to your correspondence regarding the above case number
CareCall, Inchas attempted to reach the consumer to complete a satisfaction surveyWe do show the consumer declined our survey on December 24, and we subsequently marked her number as do not callWe apologize for any inconvenience
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Business Response /* (1000, 5, 2015/07/09) */
July 9,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in
response to your correspondence regarding the above case number
The consumer is correct that in early (March) she settled an account that was placed with J.CChristensen & Associates, Inc("JCC")JCC in turn notified the creditor of the final settlement paymentUpon receipt of this complaint we contacted the current creditor to investigate the listed concernsThe current creditor assured us the final payment JCC reported was posted to the consumer's account and on June 11, the consumer's credit bureau tradeline was updated to paid in full
The complaint provided us no account number information to determine if the account appearing on her credit bureau is the same one placed with JCCI have sent a payment receipt to the consumer and would suggest she contact *** to compare the original account numbers to determine if they are the sameShe can also contact the servicer for the account placed with JCC at 1-888-665-
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Initial Consumer Rebuttal /* (3000, 7, 2015/07/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The account in question was for my capital one card which shows it is in the hands of midland creditThis means that account was sold to them after I paid the settlementWhere do I send copies of my bank statement and account info from JC Chrstoenson to, the Revdex.com ot JC Christensen themselvesThis is still on them because it is still on my credit and by another creditor at that
Final Business Response /* (4000, 9, 2015/07/23) */
July 23,
Mr*** ***
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # ***
Dear Mr***:
This letter is in further response to your correspondence regarding the above case number
J.CChristensen & Associates, Inc("JCC") is a third party debt collection agency that does not purchase debtJCC did not report this debt on the consumer's credit bureauJCC reported the settle-in-full payment to the current creditor who has told us the consumer's bureau has been updated appropriately
The account number JCC collected on ended in I would strongly encourage the consumer to contact *** at *** (obtained through a web search) to inquire if the account they are collecting on ends with the same digitsIf in fact the account numbers match she should ask them to send her a letter with that information such that she can forward it to JCCUpon receipt of that documentation we can further investigate with our client
If I can be of further assistance, please don't hesitate to call me at ***
Respectfully submitted,
Delilah ***
Delilah ***
Compliance Director
Please see attached reply. A reply was mailed to the consumer today
Initial Business Response /* (1000, 5, 2015/10/01) */
October 1, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
J.C. Christensen & Associates, Inc. did not call the consumer's number, however our sister company
CareCall, Inc. did attempt to do so. CareCall was calling the consumer on behalf of their insurance company, Blue Cross Blue Shield of Tennessee. CareCall was calling to complete a satisfaction survey. We have placed the consumer's number ending in [redacted] on our do not call list.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Consumer Rebuttal /* (2000, 7, 2015/10/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Because responses are publicly posted J.C. Christensen & Associates, Inc. (“JCC”) will draft and send a detailed response directly to the consumer. If I can be of further assistance, please don’t hesitate to call me at ###-###-####.
Initial Business Response /* (1000, 5, 2015/05/21) */
May 21, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in response to your...
correspondence regarding the above case number.
We have reviewed the consumer's complaint sent by your office. As a result of our investigation we have made the following determination(s): Our office received placement of an account in the name of Ms. [redacted] on May 6th, 2015. The creditor is a client of ours. On May 14th, we received correspondence from the Revdex.com of Minnesota and North Dakota informing us of Ms. [redacted]'s complaint. In the complaint, Ms. [redacted] stated that she is paying the creditor directly, therefore disputing our client placing her file with us. This was our first knowledge of the dispute as we had been unsuccessful in reaching Ms. [redacted].
Immediately, our office placed Ms. [redacted]'s account on hold and, as requested, ceased all collection efforts. In addition, we have since closed the account in our office and provided the creditor with Ms. [redacted]'s complaint and this response, such that they may be aware of her concerns and dispute.
We appreciate Ms. [redacted]'s efforts in working with us to resolve this matter. We apologize for any inconvenience that may have occurred. We hope this information aids resolution for Ms. [redacted].
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Business Response /* (1000, 5, 2015/05/08) */
May 5, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in response to your...
correspondence regarding the above case number.
We have reviewed the complaint and the related matter. As a result of our investigation we have made the following determinations: First, I would like to thank Mr. [redacted] for providing us with feedback on our efforts as this is one tool we can use to continue to improve our operations. In February of this year, our office received placement of an account in Mr. [redacted]'s name from one of our clients. In his complaint, Mr. [redacted] states that he has never had an account with the original creditor[redacted]. Since J.C. Christensen & Associates is not the creditor and does not own the account, we are unable to resolve that dispute directly, but at receiving his complaint, we immediately ceased all collection efforts and have since returned the account back to the creditor for further investigation. I can assure you that Mr. [redacted] will not be receiving any further communications from our office in regard to this matter. In addition, JCC has provided a copy of Mr. [redacted]'s complaint and this response to the creditor such that they can note their records and be aware of his concerns. If I can be of further assistance, please don't hesitate to call me at[redacted]. We appreciate Mr. [redacted]'s efforts in working with us to resolve this matter. We sincerely hope this represents a satisfactory resolution to Mr. [redacted]'s concerns.
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Consumer Rebuttal /* (2000, 7, 2015/05/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied with the response and actions.
Initial Business Response /* (1000, 5, 2015/09/01) */
September 1, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
A creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC") for collection ("Account"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA").
The consumer alleges he encountered unprofessional behavior from JCC's representatives. JCC assures you it takes consumer allegations very seriously. JCC trains its employees to conduct themselves in a professional manner. JCC does not condone or tolerate rude, harassing or unprofessional behavior. Our compliance team has reviewed the communication the consumer expressed dissatisfaction with and, if necessary, completed appropriate remedies.
The Fair Credit Reporting Act ("FCRA") outlines under what circumstances a consumer report can be accessed. Under Section 1681b(3)(a) of the FCRA a permissible purpose is listed as: intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. Thus, JCC had a permissible purpose for the inquiry dated April 21, 2015. As such, JCC is unable to provide the consumer with the requested resolution of removing the inquiry from his credit report.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2015/08/10) */
August 10, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
A creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth their right to dispute the debt and demand verification of the debt. This notice was not returned as undeliverable. When collecting on accounts, a debt collector may rely on the information the creditor-clients provide. The FDCPA does not require debt collectors to conduct an independent investigation into the amount or validity of the underlying claim. Courts have held that the initial collection letter provides a consumer with the information necessary to understand his rights and stop collection activities in the event an unintentional error occurred.
On July 2, 2015 the consumer called our office to dispute the debt and we immediately placed the account in a verbal dispute status and sent a validating letter asking for further details of the dispute. We did not receive any further communication or supporting information explaining the dispute that would have aided us and the creditor in investigating the situation. If this is a fraud issue the consumer should obtain a police report, Federal Trade Commission Identity Theft Affidavit or other documentation substantiating the identity theft/fraudulent account and provide that to current creditor.
JCC has ceased collection activity on the account and will close and return the account to the current creditor. If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 9, 2016/02/22) */
February 22, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
Because responses...
are publicly posted J.C. Christensen & Associates, Inc. ("JCC") has drafted a detailed response that we have provided directly to the consumer. If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2015/05/08) */
t on me. I know they inquired into my credit report on April 10th (about 5 days before I got their collection letter). And I know some half educated internet searches could link me to my old roommate and dig up some info that makes it seem like you know what you're talking about. Better luck with the next sucker, because I'm not her! You should find a legitimate way to own a business and not try to scam honest, hard working people.
May 5, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in response to your...
correspondence regarding the above case number.
We have reviewed the complaint and the related matter. As a result of our investigation we have made the following determinations: First, I would like to thank Ms. [redacted] for providing us with feedback on our efforts, as this is one tool we can use to continue to improve our operations. In April of this year, our office received placement of an account in Mr. [redacted]'s name for collections. The account originated from a [redacted] account and listed Ms. [redacted] as co-maker. In reference to her complaint, we documented her concerns but since J.C. Christensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms. [redacted]'s dispute of the debt directly. At receiving her complaint, JCC immediately ceased all collection efforts and have since returned the account back to the creditor for further investigation. In addition, JCC has provided a copy of Ms. [redacted]'s complaint and this response to the creditor such that they can note their records and be aware of her concerns so I would recommend that all questions and concerns regarding the debt be directed to the creditor. If I can be of further assistance, please don't hesitate to call me at[redacted]. We appreciate Ms. [redacted]'s efforts in working with us to resolve this matter. We sincerely hope this represents a satisfactory resolution to Ms. [redacted]'s concerns.
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Consumer Rebuttal /* (3000, 7, 2015/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This response makes no sense. First off, why was there no mention of this being MR.[redacted]'s debt in their original letter to me and me being a supposed "co-maker"- whatever that means..??? How does an [redacted] Credit card account "originate from a [redacted] account"? [redacted] is a former place of employment for Mr. [redacted], not a place where you receive credit from. And I do know Mr. [redacted], as he was a former roommate in college, but he is not someone who I could have shared a credit account with- at most I might have been listed as a contact- and that was over 10 years ago! I spoke with Mr. [redacted] about this matter and he too has run his credit reports in recent times and has no indication of this supposed debt, nor has he been contacted about it. I have also spoken with the creditor of AE and they have no account matching myself or Mr. [redacted] up to this supposed account that is in debt.
I will wait to hear from the supposed original creditor that this was turned back over to. It's funny though that I've had an acct. with AE for over 10 years so they have all of my contact information. If I was associated with an unpaid debt to them it would have been very easy for them to contact me!
I believe JC Christensen is trying to pull some shady s
I request that I be given the name and phone number of "the original creditor." Also I have yet to recieve a response to my letter that was mailed to JC Christensen, I would like a hard copy letter from JC Christensen rescinding their debt collection efforts and giving me the contact information the the supposed creditor that this collection originally came from.
Final Business Response /* (4000, 9, 2015/05/21) */
May 21, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
Please except this letter as a formal communication with further explanation of the aforementioned case number.
We have reviewed Ms. [redacted] observations and would like to apologize for the misrepresentation of facts in the initial response. It is understood her level of dissatisfaction, and the appropriate measures on future fact finding have been addressed.
The original creditor was [redacted] and the merchant was [redacted]. On our previous response we stated that the account originated from a [redacted] debt and we apologize for the confusion. In the file that was place with our organization, [redacted] was shown as a prior place of employment for Mr. [redacted].
In reference to her complaint and the follow-up comment, we documented her concerns but since J.C. Christensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms. [redacted]'s dispute of the debt directly. JCC ceased all collection efforts since her initial notice and have since returned the account back to the creditor for further investigation. In addition, JCC has provided a copy of Ms. [redacted]'s complaint and this response to the creditor such that they can note their records and be aware of her concerns.
If I can be of further assistance, please don't hesitate to call me at[redacted]. We appreciate Ms. [redacted]'s efforts in working with us to resolve this matter. We sincerely hope this represents a satisfactory resolution to Ms. [redacted]'s concerns.
Respectfully submitted,
[redacted] CRCM
Compliance Director
J.C. Christensen & Associates, Inc.
Accounts Receivable Management
Initial Business Response /* (1000, 5, 2015/12/11) */
December 11, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
Upon receipt of this complaint JCC conducted a review of the accounts placed with J.C. Christensen & Associates, Inc. ("JCC"). My review found JCC has not used the consumer's home number in their caller ID, nor did we find that multiple calls were placed in any one given day. We have added the consumer's home phone number to our internal "do not call" list, which should prevent further calls from our organization.
The consumer alleges she encountered unprofessional behavior from JCC's representatives. JCC assures you it takes consumer allegations very seriously. JCC trains its employees to conduct themselves in a professional manner. JCC does not condone or tolerate rude, harassing or unprofessional behavior.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Thank you for your reply. Our response was mailed to the consumer on June 29, 2016. Please allow malllng tlme to recelve the response.
Initial Business Response /* (1000, 5, 2016/01/06) */
December 6, 2016
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
In December 2015 a creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC") for collection ("Account"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth the consumer's right to dispute the debt and demand verification of the debt. When collecting on accounts, a debt collector may rely on the information the creditor-clients provide. The FDCPA does not require debt collectors to conduct an independent investigation into the amount or validity of the underlying claim. Courts have held that the initial collection letter provides a consumer with the information necessary to understand his rights and stop collection activities in the event an unintentional error occurred.
JCC has never spoken to the consumer and was unaware the debt was in dispute. We have never refused to provide proof of the debt as we have never been asked to provide such. JCC is not a data furnisher with respect to this account and has not reported the debt to any consumer reporting agency. As such, JCC is unable to provide the consumer with the requested resolution of removing the debt from his credit report.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Consumer Rebuttal /* (3000, 7, 2016/01/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You are trying to collect on a debt that DOES NOT belong to me. And you are not honest when you claim I have not disputed this debt with you. I have disputed this debt with you twice. First by phone when your company contacted me, and second in writing, in a letter mailed to your company on December 9, 2015. After I disputed this debt and asked for proof, I continued to receive phone calls and collection notices in the mail. I never received proof of this debt from you as requested. You are telling me you aren't reporting this debt to the credit bureaus. However, you are still trying to collect on it. Have you deleted my account with your company and ceased collection efforts?
Final Business Response /* (4000, 9, 2016/01/15) */
J.C. Christensen & Associates, Inc. ("JCC") is not the creditor on this account, but rather was hired as a third party debt collector. I am being honest with you when I state we received this account on December 7, 2015 and had not received any correspondence disputing this debt until receipt of this complaint. We did speak to an individual on December 15, 2015 who would not confirm his identity and asked us to cease calls and we complied; no information about the debt was released during this call. Perhaps you are confusing JCC with communications you have had with the creditor. Upon receipt of the original complaint from the Revdex.com JCC ceased all collection activity and notified the creditor of your dispute.
Initial Business Response /* (1000, 5, 2015/06/26) */
June 26, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
A creditor placed an account with J.C. Christensen & Associates, Inc. ("JCC"). The initial notice mailed to the consumer included the required language under the Fair Debt Collection Practices Act ("FDCPA") setting forth the consumer's right to dispute the debt and demand verification of the debt. In the course of doing business our office is permitted to rely on the information placed with us by our clients to initiate recovery efforts.
Our client does not show this account charged off to bankruptcy. JCC has not received a copy of a police report, Federal Trade Commission Identity Theft Affidavit or other documentation substantiating identity theft/fraudulent account allegations. JCC has ceased all collection efforts on the account and has closed and returned the account to the creditor along with a copy of this complaint and our response.
JCC welcomes the consumer to review our company information located at www.arraysg.com. JCC is a legitimate company in good standing with the State of Minnesota. Furthermore, JCC is properly licensed and in good standing and bonded by the appropriate regulatory authorities where required.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Business Response /* (1000, 5, 2015/10/07) */
October 7, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com of Minnesota and North Dakota
Response sent via: http://www.thefirstRevdex.com.org
RE: Case # [redacted]
Dear Mr. [redacted]:
This letter is in...
response to your correspondence regarding the above case number.
Your account was recently placed with us and we were unaware of the disputed nature of the debt. We have sent a copy of this complaint along with a copy of our response to the current creditor. We have ceased collection activity on the account.
If I can be of further assistance, please don't hesitate to call me at [redacted].
Respectfully submitted,
Delilah [redacted]
Delilah [redacted]
Compliance Director
Initial Consumer Rebuttal /* (2000, 7, 2015/10/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Response is accepted as long as this does not affect my name in anyway.
[redacted]
Initial Business Response /* (1000, 5, 2016/03/07) */
Because responses are publicly posted J.C. Christensen & Associates, Inc. ("JCC") has drafted a detailed response that will be provided directly to the consumer. If I can be of further assistance, please don't hesitate to call me at...
[redacted].
Initial Consumer Rebuttal /* (2000, 7, 2016/03/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company sent me a notice that the charge had been recalled by the originator company and written off, and that I no longer owe on the bill.