Because responses are publicly posted J.CChristensen & 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 / [redacted] (1000, 5, 2015/10/01) */ October 1, 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.CChristensen & Associates, Incdid not call the consumer's number, however our sister company CareCall, Incdid attempt to do soCareCall was calling the consumer on behalf of their insurance company, Blue Cross Blue Shield of TennesseeCareCall was calling to complete a satisfaction surveyWe 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 / [redacted] (2000, 7, 2015/10/02) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 5, 2015/05/08) */ May 5, 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 matterAs 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 operationsIn February of this year, our office received placement of an account in Mr [redacted] 's name from one of our clientsIn his complaint, Mr [redacted] states that he has never had an account with the original creditor [redacted] Since J.CChristensen & 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 investigationI can assure you that Mr [redacted] will not be receiving any further communications from our office in regard to this matterIn 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 concernsIf 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 matterWe sincerely hope this represents a satisfactory resolution to Mr [redacted] 's concerns Respectfully submitted, [redacted] CRCM Compliance Director J.CChristensen & Associates, Inc Accounts Receivable Management Initial Consumer Rebuttal / [redacted] (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 / [redacted] (1000, 5, 2015/05/08) */ May 5, 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 matterAs 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 operationsIn April of this year, our office received placement of an account in Mr [redacted] ***'s name for collectionsThe account originated from a [redacted] account and listed Ms [redacted] as co-makerIn reference to her complaint, we documented her concerns but since J.CChristensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms [redacted] 's dispute of the debt directlyAt receiving her complaint, JCC immediately ceased all collection efforts and have since returned the account back to the creditor for further investigationIn 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 creditorIf 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 matterWe sincerely hope this represents a satisfactory resolution to Ms [redacted] 's concerns Respectfully submitted, [redacted] CRCM Compliance Director J.CChristensen & Associates, Inc Accounts Receivable Management Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) This response makes no senseFirst off, why was there no mention of this being MR.***'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***, not a place where you receive credit fromAnd I do know Mr***, 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 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 itI 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 toIt's funny though that I've had an acctwith AE for over years so they have all of my contact informationIf 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 meI know they inquired into my credit report on April 10th (about 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 aboutBetter 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 / [redacted] (4000, 9, 2015/05/21) */ May 21, 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 responseIt 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 confusionIn the file that was place with our organization, [redacted] was shown as a prior place of employment for Mr*** In reference to her complaint and the follcomment, we documented her concerns but since J.CChristensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms [redacted] 's dispute of the debt directlyJCC ceased all collection efforts since her initial notice and have since returned the account back to the creditor for further investigationIn 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 matterWe sincerely hope this represents a satisfactory resolution to Ms [redacted] 's concerns Respectfully submitted, [redacted] CRCM Compliance Director J.CChristensen & Associates, Inc Accounts Receivable Management
Initial Business Response / [redacted] (1000, 5, 2015/09/01) */ September 1, 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.CChristensen & 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 representativesJCC assures you it takes consumer allegations very seriouslyJCC trains its employees to conduct themselves in a professional mannerJCC does not condone or tolerate rude, harassing or unprofessional behaviorOur 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 accessedUnder 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 consumerThus, JCC had a permissible purpose for the inquiry dated April 21, 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 / [redacted] (1000, 5, 2016/03/07) */ Because responses are publicly posted J.CChristensen & Associates, Inc("JCC") has drafted a detailed response that will be provided directly to the consumerIf I can be of further assistance, please don't hesitate to call me at [redacted] Initial Consumer Rebuttal / [redacted] (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 / [redacted] (1000, 5, 2016/01/06) */ December 6, 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 a creditor placed an account with J.CChristensen & 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 debtWhen 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 JCC has never spoken to the consumer and was unaware the debt was in disputeWe have never refused to provide proof of the debt as we have never been asked to provide suchJCC is not a data furnisher with respect to this account and has not reported the debt to any consumer reporting agencyAs 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 / [redacted] (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 meAnd you are not honest when you claim I have not disputed this debt with youI have disputed this debt with you twiceFirst by phone when your company contacted me, and second in writing, in a letter mailed to your company on December 9, After I disputed this debt and asked for proof, I continued to receive phone calls and collection notices in the mailI never received proof of this debt from you as requestedYou are telling me you aren't reporting this debt to the credit bureausHowever, you are still trying to collect on itHave you deleted my account with your company and ceased collection efforts? Final Business Response / [redacted] (4000, 9, 2016/01/15) */ J.CChristensen & Associates, Inc("JCC") is not the creditor on this account, but rather was hired as a third party debt collectorI am being honest with you when I state we received this account on December 7, and had not received any correspondence disputing this debt until receipt of this complaintWe did speak to an individual on December 15, who would not confirm his identity and asked us to cease calls and we complied; no information about the debt was released during this callPerhaps you are confusing JCC with communications you have had with the creditorUpon receipt of the original complaint from the Revdex.com JCC ceased all collection activity and notified the creditor of your dispute
Initial Business Response / [redacted] (1000, 9, 2016/02/22) */ February 22, 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.CChristensen & Associates, Inc("JCC") has drafted a detailed response that we have provided directly to the consumerIf I can be of further assistance, please don't hesitate to call me at [redacted] Respectfully submitted, Delilah [redacted] Delilah [redacted] Compliance Director
Because responses are publicly posted J.CChristensen & 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 / [redacted] (1000, 5, 2015/10/01) */ October 1, 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.CChristensen & Associates, Incdid not call the consumer's number, however our sister company CareCall, Incdid attempt to do soCareCall was calling the consumer on behalf of their insurance company, Blue Cross Blue Shield of TennesseeCareCall was calling to complete a satisfaction surveyWe 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 / [redacted] (2000, 7, 2015/10/02) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 5, 2015/05/08) */ May 5, 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 matterAs 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 operationsIn February of this year, our office received placement of an account in Mr [redacted] 's name from one of our clientsIn his complaint, Mr [redacted] states that he has never had an account with the original creditor [redacted] Since J.CChristensen & 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 investigationI can assure you that Mr [redacted] will not be receiving any further communications from our office in regard to this matterIn 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 concernsIf 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 matterWe sincerely hope this represents a satisfactory resolution to Mr [redacted] 's concerns Respectfully submitted, [redacted] CRCM Compliance Director J.CChristensen & Associates, Inc Accounts Receivable Management Initial Consumer Rebuttal / [redacted] (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 / [redacted] (1000, 5, 2015/05/08) */ May 5, 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 matterAs 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 operationsIn April of this year, our office received placement of an account in Mr [redacted] ***'s name for collectionsThe account originated from a [redacted] account and listed Ms [redacted] as co-makerIn reference to her complaint, we documented her concerns but since J.CChristensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms [redacted] 's dispute of the debt directlyAt receiving her complaint, JCC immediately ceased all collection efforts and have since returned the account back to the creditor for further investigationIn 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 creditorIf 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 matterWe sincerely hope this represents a satisfactory resolution to Ms [redacted] 's concerns Respectfully submitted, [redacted] CRCM Compliance Director J.CChristensen & Associates, Inc Accounts Receivable Management Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) This response makes no senseFirst off, why was there no mention of this being MR.***'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***, not a place where you receive credit fromAnd I do know Mr***, 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 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 itI 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 toIt's funny though that I've had an acctwith AE for over years so they have all of my contact informationIf 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
t on meI know they inquired into my credit report on April 10th (about 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 aboutBetter 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 / [redacted] (4000, 9, 2015/05/21) */ May 21, 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 responseIt 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 confusionIn the file that was place with our organization, [redacted] was shown as a prior place of employment for Mr*** In reference to her complaint and the follcomment, we documented her concerns but since J.CChristensen & Associates is not the creditor and does not own the account, we are unable to resolve Ms [redacted] 's dispute of the debt directlyJCC ceased all collection efforts since her initial notice and have since returned the account back to the creditor for further investigationIn 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 matterWe sincerely hope this represents a satisfactory resolution to Ms [redacted] 's concerns Respectfully submitted, [redacted] CRCM Compliance Director J.CChristensen & Associates, Inc Accounts Receivable Management
Initial Business Response / [redacted] (1000, 5, 2015/09/01) */ September 1, 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.CChristensen & 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 representativesJCC assures you it takes consumer allegations very seriouslyJCC trains its employees to conduct themselves in a professional mannerJCC does not condone or tolerate rude, harassing or unprofessional behaviorOur 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 accessedUnder 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 consumerThus, JCC had a permissible purpose for the inquiry dated April 21, 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 / [redacted] (1000, 5, 2016/03/07) */ Because responses are publicly posted J.CChristensen & Associates, Inc("JCC") has drafted a detailed response that will be provided directly to the consumerIf I can be of further assistance, please don't hesitate to call me at [redacted] Initial Consumer Rebuttal / [redacted] (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 / [redacted] (1000, 5, 2016/01/06) */ December 6, 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 a creditor placed an account with J.CChristensen & 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 debtWhen 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 JCC has never spoken to the consumer and was unaware the debt was in disputeWe have never refused to provide proof of the debt as we have never been asked to provide suchJCC is not a data furnisher with respect to this account and has not reported the debt to any consumer reporting agencyAs 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 / [redacted] (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 meAnd you are not honest when you claim I have not disputed this debt with youI have disputed this debt with you twiceFirst by phone when your company contacted me, and second in writing, in a letter mailed to your company on December 9, After I disputed this debt and asked for proof, I continued to receive phone calls and collection notices in the mailI never received proof of this debt from you as requestedYou are telling me you aren't reporting this debt to the credit bureausHowever, you are still trying to collect on itHave you deleted my account with your company and ceased collection efforts? Final Business Response / [redacted] (4000, 9, 2016/01/15) */ J.CChristensen & Associates, Inc("JCC") is not the creditor on this account, but rather was hired as a third party debt collectorI am being honest with you when I state we received this account on December 7, and had not received any correspondence disputing this debt until receipt of this complaintWe did speak to an individual on December 15, who would not confirm his identity and asked us to cease calls and we complied; no information about the debt was released during this callPerhaps you are confusing JCC with communications you have had with the creditorUpon receipt of the original complaint from the Revdex.com JCC ceased all collection activity and notified the creditor of your dispute
Thank you for your replyOur response was mailed to the consumer on June 29, Please allow malllng tlme to recelve the response
Initial Business Response / [redacted] (1000, 9, 2016/02/22) */ February 22, 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.CChristensen & Associates, Inc("JCC") has drafted a detailed response that we have provided directly to the consumerIf I can be of further assistance, please don't hesitate to call me at [redacted] Respectfully submitted, Delilah [redacted] Delilah [redacted] Compliance Director