Good Afternoon, As of today we have spoken to [redacted] Insurance twice in relation to the debt in questionOn 9/8/ [redacted] received a call from the insured adding a vehicle in question to policy [redacted] The policy renewed on 12/1/and was subsequently cancelled for non payment of premium on 12/22/At the time of cancellation there was a premium due in the amount of $341.59.As of today we have not received the documentation requested from the original creditor and have submitted an additional requestAt this juncture I am happy to do of two things: once receieved I will forward the information in questionShould we not receive it within days, I will close our file Please advise if the above is agreeable by Ms*** Sincerely, Frank [redacted]
Initial Business Response / [redacted] (1000, 10, 2014/10/21) */ Good Afternoon, Thanks You for the opportunity to respond to the above referenced complaint Allow me to begin by addressing the question surrounding the contract [redacted] Magazine has been in business for years and are a reputable Advertising companyThe advertisements in question were run once authorization was provided in the form of a signed agreementIf the individual who signed the agreement is no longer with the company, it does not exonerate the company from it's obligation I am happy to present the option of the customer in question contacting me direct, [redacted] XXX-XXX-XXXX to discuss possible options in getting the matter resolved amicably as opposed to them speaking to [redacted] I am in the office for the most part from 8-central timeIf they reach my voicemail and leave a message I will contact them back promptly Sincerely, [redacted] XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 12, 2014/10/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I think they owe us an apologyI will work out some plan with my partner on how to pay this debt and whenGiven that the business is closed it's kind of hard now
Good Afternoon,
We have been in contact with *** *** Mutual Insurance, who have requested we close our file at Brennan & Clark, and credit $balance
Please be advised this is not an admission of liability on *** Insurances or Brennan & Clarks part
***
*** credit will be updated accordinglyShould you have any questions, please do not hesitate in contacting me
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2014/07/08) */
Good Afternoon,
There will be no refund of the collection feesIn *** original complaint, he argued that he was not responsible for any of the monies we tried to collect from himObviously he was mistaken and changed his
position from looking for the balance we collected to be refunded, to looking for the collection fees to be refundedHad he figured out his calculation error prior to the intervention of my office, he would have been able to avoid the collection feeUnfortunately, he did not, therefore the collection fees stand
Sincerely,
*** ***
Initial Consumer Rebuttal /* (3000, 7, 2014/07/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Brennan & Clark collected on *** behalf and double collected on my accountI've already paid *** my overdue charges but Brennan took the same amount plus their fees without telling me that it is the same payment that I've settled with *** *** *** misrepresented the information and would not return any phone calls regarding this matter
Final Business Response /* (4000, 9, 2014/07/23) */
Good Afternoon,
It is apparent that Mr** agrees he did owe the balance that was due to *** I understand he is questioning the collection feesThe contract he had with *** allows them to assess collection fees if his account is forwarded for collectionsIt is unfortunate that he did not pay his balance to direct to *** prior to his account being forwarded to Brennan & Clark for collections and while it seems it may have been a misunderstanding on his part, the collections costs will not be refunded
On several occasions now, Mr** has used derogatory terms like "deception" which we do no take too kindly toBrennan & Clark have been in business for years and are a reputable organizationShould Mr** have any documentation which would suggest contractually he does not owe the fees, we invite him to forward them to us
At this time we consider the matter closed and appreciate your assistance in getting the matter cleared up
Sincerely,
*** ***
Good Afternoon,
Having completed a thorough internal investigation into the complaint in question, Brennan & Clark vehemently denies what we consider to be accusations made by Ms***Quite frankly, we consider the complaint to be so inaccurate it borders on
slanderWe are one hundred per cent confident no FDCPA violations occurred and the source of the complaint filed, is as a result of Ms*** not receiving a paid in full letter immediately after remitting payment of the balance in questionAny and all threats made in the handling of the file in our office were made by Mr*** to several employees within our organization, by threatening a lawsuit against Brennan & Clark if we did not give him a paid in full right away.The account was placed with our office in December of The file in our office had long been closed when we received a call on February 2016, in which Mr*** communicated he wanted to remit payment, which he voluntarily paidThere were no threats made by Sam *** of Brennan & Clark and all claims made in the attached complaint are 100% refuted.
Mr*** called several days after making the payment, requesting a paid in full letter. Mrs*** also sent an email requesting a paid in full letter. We advised the ***'s a letter would be sent in due course,. Brennan & Clark DO NOT send paid in full letters immediately after receiving payment as a payment may take several days to clear a customer's accountOn a side note, we are not legally required to send a paid in full letter, but do so as a serviceAs for credit reporting, the law requires Brennan & Clark to update Ms***s credit within 90days from the date of payment, which legally requires us to report by May I trust the above response satisfies the complaintShould the ***'s have any evidence that substantiates their claim, they are more than welcome to forward itHowever, as mentioned previously I am confident such information does not exist
I trust all is in order and the complaint in question may now be closed
Sincerely,
Frank ***
Initial Business Response /* (1000, 8, 2015/04/28) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@brennanclark.com
Good Afternoon,
Thank You for the opportunity to respond to the above referenced complaint
I left a message for ***
todayI am willing to allow her to break the balance up over three separate paymentsAs advised in the message I left for *** today, she can contact me direct at XXX-XXX-XXXX to make the payment arrangements
Sincerely,
*** ***
Initial Business Response /* (4000, 9, 2014/11/24) */
Good Afternoon,
I am following up in response to the complaint filed by Ms***
I was a little taken back when she referenced in her complaint, that we were not willing to work with her, or that we did not follow through with what
we said we were going to doAfter all *** fulfilled their part of the agreementDespite Ms***s inability to fulfill her portion of their agreement, *** graciously agreed to extend a prolonged payment agreement to herOne of the contingencies to the payment agreement, was that an auto payment be set up to ensure the payment agreement was adhered toEverything seemed to be working fine, until the payments started to be returned by Ms*** bank for non sufficient funds
Our goal is to resolve the matter amicablyTo date, Ms*** has remitted $1,against her $2,obligationIf Ms*** make five more $payments, it will close the matter outAt this point she can mail in a money order on a weekly basisOnce all five payments have been received we will close the matter out
Should you have any questions, please feel free to contact me, *** ***
Sincerely,
***
Initial Business Response /* (1000, 5, 2014/06/26) */
Final Business Response /* (1000, 8, 2014/07/01) */
Good Afternoon,
Upon completion of an internal investigation, please be advised we refute all the claims made in the recent complaint filed with the RevDex.comWe find no evidence internally that would support the claims made by the complainantShould there be eveidence to support the accusations made, we hereby request they be forwarded to our office for review
In addition, the complainant states the contract they entered into was on a trial basisWe kindly request they forward a copy of the supposed contract outlining the "trial" period they claim existedUpon receipt of the documentation requested, we are more than happy to review the dispute filed furtherIf documentation exists outlining the trial period we are more than happy to make monetary adjustments to the balance at that time
Should you need any additional information, please do not hesitate in contacting me
Sincerely,
***
Brennan & Clark
Initial Business Response /* (1000, 8, 2015/02/02) */
Contact Name and Title: *** ***
Contact Phone: Compliance Officer
Contact Email: ***@brennanclark.com
Thank You for the opportunity to respond to Mr*** complaint
Peerless Insurance placed the account with Brennan &
Clark for collections on December An initial demand letter was sent to MrClark December The letter extended a day moratorium in which Mr*** could contact Mr*** with respect to a dispute
Mr*** placed a call to Mr*** December During the call in question, Mr*** advised Mr*** he did not have time to handle the matter and abruptly and unprofessionally hung up the phone
Mr*** subsequently called Mr*** a second timeThe call was placed on January Mr*** communicated to Mr*** the check was mailed to Brennan & ClarkMr*** accepted Mr*** response, and professionally ended the call
Payments received at Brennan & Clark are processed automatically via a payment center and postdated payments are not flagged during the processIf it were communicated to Mr*** verbally, he could have flagged the file for an incoming post dated paymentSo while it is unfortunate, it is certainly nothing intentional
I understand Mr*** is not happy that his account ended up in collections, however, upon review we find no part of arrogance on the part of Mr*** whatsoever
Should you have any questions, please do not hesitate in contacting me
Sincerely,
*** ***
Initial Consumer Rebuttal /* (3000, 10, 2015/02/04) */
Case # XXXXXXXX
message
Yahoo! Alert Wed, Feb 4, at 1:PM
To: ***@chicago.Revdex.com.org
A typical case of he said she said , and I wouldn't expect that Mr*** to give the full storyIt is also an assumption that I am "upset" that the account was turned in for collectionsFact is that there was a disagreement with *** Insand their billing department as could be verified by my Insurance AgentSo, I was neither surprised nor " upset " that it was turned over
I fully expected that it would have beenWhen Mr*** called me at the end of the SAME day that I received his letter, I was involved in a number of business calls and activitiesI also was attempting to leave the office for a year old that waiting to be picked upI was busyMr*** told me the reason he was calling and who he was representing, however, I was not abrupt in hanging upI told Mr*** that I was too busy to handle that right now, however, he insisted on continuing the conversation, telling me about demands, etc, etcI told him a second time that I was too busy right then to handleHe continued to tell me he could take a payment over the phoneTHAT is when I told him that I was too busy and did indeed hang up on himIt is a shame when someone automatically feels that the debtor is some insignificant deadbeat and just doesn't intend to payThat was the impression he gave me and I find it to be very offensiveHe
was not as polite as he wants his firm to think
When he called the second time , (and again at a very busy time ) I handle businesses and telephones and I do not have the luxury of having a secretary or any other helpSo if someone calls for personal matters at an inconvenient time , I expect the courtesy of that caller to listen and at the very least ask when would be a more convenient timeHe did not, I told him the check was in the mail and I do not remember if I told him it was post datedProbably did notSo, their methods are their methods, and I can accept thatWhat I do find inexcusable, is an attorney who handled the phone calls the way he did and then lies about it
I certainly don't expect much of anything to come of this, but perhaps it would be a good idea for Mr*** and his firm to take a better look at Vermont's Laws that protect the consumerI think you will find that he crossed that lineI know I only expect that the Revdex.com will consider the practices of this firm and Mr*** before simply dismissing this complaintIt is a legitimate complaintHad Mr*** been a little more "less demanding" a civil conversation may have been held and I would not have been subjected to bank problemsI am also fairly sure that he couldn't care less
K***
Initial Business Response /* (1000, 5, 2014/02/20) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@brennanclark.com
Good Morning,
Thank You for the opportunity to respond to the complaint in questionPlease be advised I am unable to send a
letter stating that nothing is dueI can send a letter stating that the account was placed with my office by Safeco Insurance and was then withdrawn from my office by *** resulting in a $balance with my office
I will have the letter drafted and sent in the next 1-business days
Sincerely,
*** ***
Dear Sir/Madam,Thanks you for affording us the opportunity to respond to Ms*** complaintPlease be advised that Ms*** spoke with two of Brennan & Clark's representatives, *** *** on January and *** *** on January We vehemently refute Ms*** claim
that we were unwilling to provide her information which would allow her to verify Brennan & Clark represented Home Pages and American MarketingMr*** provided Ms*** with a phone at which Home Pages and American Marketing could be reached, which she is more than welcome to call to confirm, it is *** We also refute Ms*** claim that Brennan & Clarks representatives "Just wanted checking account information"The agents in question did request payment be issued via ach payment, and Ms*** denied their request which she is more than entitled to doMs*** did however advise Mr*** that she owed the debt in question and also advised Mr*** she was suffering financial hardship, and she subsequently agreed to pay the balance off over three monthsMs*** indicated she would call back the following day to issue the payments, however the issuing of payments did not materializeThe final item raised by Ms*** appears to relate to the mini MirandaGiven the debt in question is a commercial debt and the fact the FDCPA applies to consumer debt Mr*** nor Mr*** are required to cite the Mini Miranda in their communication with Ms*** in this instanceIn closing, as previously communicated to Ms*** if she would like to call Home Pages and American Marketing to verify Brennan & Clarks capacity, and contact us back after the fact, she is more than welcome to set up payments over the next three momentsWe look forward to your responseShould you have any questions in the interim, please feel free to contact me
Sincerely,
*** ***
Initial Business Response /* (1000, 8, 2014/10/21) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Morning,
Ms. [redacted] please call XXX-XXX-XXXX, Brennan & Clarks main number at a convenient time for you and ask the...
receptionist to page me, [redacted], and I will look to try and come up with a solution that works for both parties. I am in the office daily from 9-5.
Sincerely,
[redacted]
Brennan & Clark Ltd. customer service of Ms. Sam [redacted] was extremely over the top rude, insulting, derogatory, inflammatory, and most importantly unprofessional.
There is a great opportunity for training in areas of - active listening, clarifying, restating in calm manner without verbal flare up. I am a disabled senior. The conversation had a specific purpose but was handled in way that was totally uncalled for - at the core was utter disrespect! Verbal abusive language has no place in Revdex.com accredited business. Thank you.
Initial Business Response /* (1000, 10, 2014/10/21) */
Good Afternoon,
Thanks You for the opportunity to respond to the above referenced complaint.
Allow me to begin by addressing the question surrounding the contract. [redacted] Magazine has been in business for years and are a reputable...
Advertising company. The advertisements in question were run once authorization was provided in the form of a signed agreement. If the individual who signed the agreement is no longer with the company, it does not exonerate the company from it's obligation.
I am happy to present the option of the customer in question contacting me direct, [redacted] XXX-XXX-XXXX to discuss possible options in getting the matter resolved amicably as opposed to them speaking to [redacted] I am in the office for the most part from 8-5 central time. If they reach my voicemail and leave a message I will contact them back promptly.
Sincerely,
[redacted]
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 12, 2014/10/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I think they owe us an apology. I will work out some plan with my partner on how to pay this debt and when. Given that the business is closed it's kind of hard now.
Initial Business Response /* (1000, 7, 2014/06/18) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
As of January 2014, 5th Quadrant (Mr. [redacted] owed [redacted] Inc. $165.00 + a $75.00 NSF fee in February (insufficient funds...
fees for bouncing 401k debits). The February NSF fee was credited to the 5th Quadrants invoice as a courtesy by [redacted] Inc., leaving a $165.00 balance. 5th Quadrant, was invoiced for all of these charges by [redacted] Inc.
5th Quadrant paid [redacted] Inc., $75.00 via credit card on 3-4-2014, leaving $90.00 which remained unpaid. [redacted] Inc., sent the $90.00 balance to Brennan and Clark for collections on 4-10-2014.
The additional amount collected by Brennan and Clark ($31.50) is our collection fee, as allowed by 5th Quadrants contract with [redacted] Inc., section 11 "Client's Default: ... Client will be responsible for the costs of collection of Amounts Due including, but not limited to, attorney's fees (including in-house counsel), court and arbitration costs.
Brennan and Clark charged a 35% fee, bringing the $90.00 balance to $121.50. Payment of $121.50 was remitted by Mr. ** to Brennan & Clark LLC on 4-30-2014. As outlined above however, the payment Brennan & Clark received was not a double pay as Mr. ** claims.
As of today, [redacted] Inc., show no Branch Accounts Receivables balance due for 5th Quadrant.
I trust the above explanation resolves the issue. Should you need any further information, please do not hesitate in contacting me.
Sincerely,
[redacted]
Initial Consumer Rebuttal /* (3000, 9, 2014/06/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Both [redacted] and Brennan and Clark did not informed me of the full balance owed. Instead they conspired together to collect additional fees by separating the balance into two parts in order to gain maximum profit. This deceptive behavior is not acceptable and a Consumer Financial Protection Bureau complaint has been filed. I am willing to change my request from seeking $121.50 refund to just refunding the $31.50 which is illegally collected from me by deceit and conspiracy.
Final Business Response /* (4000, 11, 2014/07/01) */
Good Afternoon,
As previously explained in our prior response, 5th Quadrant was billed correctly by [redacted] from the onset. The collection costs attached to the balance was done so within the terms and conditions of the contract. Rest assured there was no conspiracy on the part of Brennan & Clark or [redacted] to deceive 5th Quadrant. The fact that 5th Quadrant now acknowledge they did owe [redacted] monies surely verifies that.
If Mr. ** has any evidence to support his claim of deceptive practices we invite him to forward proof. Without such proof, we deny Mr. **'s request of a refund of the collection costs.
Should you require any further assistance please do not hesitate in contacting me.
Sincerely,
[redacted]
Brennan & Clark
This company continues to call me about an amount that I do not owe. They also get nasty on the phone and use words I do not understand to collect a non existing debt. I believe that this is an issue of fraud on the part of Brennan & clark. If this issue is not resolved with them in the next 30 days I will be taking legal action.
As of today we have spoken to [redacted] Insurance twice in relation to the debt in question. On 9/8/2015 [redacted] received a call from the insured adding a vehicle in question to policy [redacted]. The policy renewed on 12/1/2015 and was subsequently cancelled for non...
payment of premium on 12/22/2015. At the time of cancellation there was a premium due in the amount of $341.59.As of today we have not received the documentation requested from the original creditor and have submitted an additional request. At this juncture I am happy to do 1 of two things: once receieved I will forward the information in question. Should we not receive it within 30 days, I will close our file.
Please advise if the above is agreeable by Ms. [redacted].
Initial Business Response /* (1000, 6, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Afternoon,
Thank you for affording us an opportunity to respond to the complaint in question. Please be advised we...
vehemently deny the unfounded allegations made by Ms. [redacted] in her complaint.
Having had an opportunity to review the calls in question, I have verified the following:
1)At no point in time, did Ryan Grant of Brennan & Clark claim to work for [redacted]
2)We mailed an initial demand letter to [redacted] on July XX XXXX which outlined the total balance placed for collections with Brennan & Clark by [redacted]
3) Mr. [redacted] did communicate in every call placed to [redacted] that he was with Brennan & Clark.
4)A representative of [redacted] contacted Brennan & Clark, as they were in receipt of a complaint from [redacted] Upon reviewing the call with [redacted] they were more than happy in how Brennan & Clark handled the file in question, and had no concerns.
In lieu of the fact out internal investigation has not uncovered any unethical practices, nor has it uncovered violations of any regulatory issues we trust all is in order.
Should Ms. [redacted] have any evidence that suggest otherwise, we certainly invite her to forward the information in question for review.
Sincerely,
[redacted]
Initial Business Response /* (1000, 8, 2015/02/16) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Morning,
Thank You for the opportunity to respond to Mr. Nicelys complaint.
Please be advised, the debt in question...
was incurred by [redacted] and not Mr. [redacted] personally. As this is a commercial debt, the FDCPA as cited by Mr. [redacted] in his complaint does not apply to commercial debt. Despite this, we have updated the address we have on file for [redacted]
In addition, Mr. [redacted] of Brennan & Clark, emailed Mr. [redacted] copies of the information he requested, and trust now is all in order and anticipate Mr. [redacted]'s payment arriving in out office in a timely fashion.
Should you need any additional information, please do not hesitate in contacting me.
Sincerely
[redacted]
Initial Business Response /* (1000, 6, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Afternoon,
In reviewing the dispute in question, we have no known account in our system which matches the contact...
information provided by Mr. [redacted].
I would be happy to look into Mr. [redacted]'s dispute, however, in order for me to do so, we kindly request he provide the name, address, and file # on the correspondence received from Brennan & Clark, or the phone number at which Mr. [redacted] was contacted. Once verified, I happy to assist in reviewing the matter.
Sincerely,
Initial Consumer Rebuttal /* (2000, 8, 2015/08/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been contacted by this company multiple times. I only have 4 saved messages in my deleted voice message folder.
3-26-15 [redacted] contacted me threatened legal action but gave no account number to reference.
4-17-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
4-30-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
5-4-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
During this whole process all I have asked for is a bill so that I can make sure I actually owe the money. I have been told they won't send one.
I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbers. I had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyone. After I left the bank I went to my local Revdex.com and explained the harassment I have been put through. The Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a bill. when I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action.
Final Consumer Response /* (3000, 16, 2015/08/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been contacted by this company multiple times. I only have 4 saved messages in my deleted voice message folder.
3-26-15 [redacted] contacted me threatened legal action but gave no account number to reference.
4-17-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
4-30-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
5-4-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
During this whole process all I have asked for is a bill so that I can make sure I actually owe the money. I have been told they won't send one.
I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbers. I had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyone. After I left the bank I went to my local Revdex.com and explained the harassment I have been put through. The Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a bill. when I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action.
Good Afternoon, As of today we have spoken to [redacted] Insurance twice in relation to the debt in questionOn 9/8/ [redacted] received a call from the insured adding a vehicle in question to policy [redacted] The policy renewed on 12/1/and was subsequently cancelled for non payment of premium on 12/22/At the time of cancellation there was a premium due in the amount of $341.59.As of today we have not received the documentation requested from the original creditor and have submitted an additional requestAt this juncture I am happy to do of two things: once receieved I will forward the information in questionShould we not receive it within days, I will close our file Please advise if the above is agreeable by Ms*** Sincerely, Frank [redacted]
Initial Business Response / [redacted] (1000, 10, 2014/10/21) */ Good Afternoon, Thanks You for the opportunity to respond to the above referenced complaint Allow me to begin by addressing the question surrounding the contract [redacted] Magazine has been in business for years and are a reputable Advertising companyThe advertisements in question were run once authorization was provided in the form of a signed agreementIf the individual who signed the agreement is no longer with the company, it does not exonerate the company from it's obligation I am happy to present the option of the customer in question contacting me direct, [redacted] XXX-XXX-XXXX to discuss possible options in getting the matter resolved amicably as opposed to them speaking to [redacted] I am in the office for the most part from 8-central timeIf they reach my voicemail and leave a message I will contact them back promptly Sincerely, [redacted] XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 12, 2014/10/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I think they owe us an apologyI will work out some plan with my partner on how to pay this debt and whenGiven that the business is closed it's kind of hard now
Good Afternoon,
We have been in contact with *** *** Mutual Insurance, who have requested we close our file at Brennan & Clark, and credit $balance
Please be advised this is not an admission of liability on *** Insurances or Brennan & Clarks part
***
*** credit will be updated accordinglyShould you have any questions, please do not hesitate in contacting me
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2014/07/08) */
Good Afternoon,
There will be no refund of the collection feesIn *** original complaint, he argued that he was not responsible for any of the monies we tried to collect from himObviously he was mistaken and changed his
position from looking for the balance we collected to be refunded, to looking for the collection fees to be refundedHad he figured out his calculation error prior to the intervention of my office, he would have been able to avoid the collection feeUnfortunately, he did not, therefore the collection fees stand
Sincerely,
*** ***
Initial Consumer Rebuttal /* (3000, 7, 2014/07/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Brennan & Clark collected on *** behalf and double collected on my accountI've already paid *** my overdue charges but Brennan took the same amount plus their fees without telling me that it is the same payment that I've settled with *** *** *** misrepresented the information and would not return any phone calls regarding this matter
Final Business Response /* (4000, 9, 2014/07/23) */
Good Afternoon,
It is apparent that Mr** agrees he did owe the balance that was due to *** I understand he is questioning the collection feesThe contract he had with *** allows them to assess collection fees if his account is forwarded for collectionsIt is unfortunate that he did not pay his balance to direct to *** prior to his account being forwarded to Brennan & Clark for collections and while it seems it may have been a misunderstanding on his part, the collections costs will not be refunded
On several occasions now, Mr** has used derogatory terms like "deception" which we do no take too kindly toBrennan & Clark have been in business for years and are a reputable organizationShould Mr** have any documentation which would suggest contractually he does not owe the fees, we invite him to forward them to us
At this time we consider the matter closed and appreciate your assistance in getting the matter cleared up
Sincerely,
*** ***
Good Afternoon,
Having completed a thorough internal investigation into the complaint in question, Brennan & Clark vehemently denies what we consider to be accusations made by Ms***Quite frankly, we consider the complaint to be so inaccurate it borders on
slanderWe are one hundred per cent confident no FDCPA violations occurred and the source of the complaint filed, is as a result of Ms*** not receiving a paid in full letter immediately after remitting payment of the balance in questionAny and all threats made in the handling of the file in our office were made by Mr*** to several employees within our organization, by threatening a lawsuit against Brennan & Clark if we did not give him a paid in full right away.The account was placed with our office in December of The file in our office had long been closed when we received a call on February 2016, in which Mr*** communicated he wanted to remit payment, which he voluntarily paidThere were no threats made by Sam *** of Brennan & Clark and all claims made in the attached complaint are 100% refuted.
Mr*** called several days after making the payment, requesting a paid in full letter. Mrs*** also sent an email requesting a paid in full letter. We advised the ***'s a letter would be sent in due course,. Brennan & Clark DO NOT send paid in full letters immediately after receiving payment as a payment may take several days to clear a customer's accountOn a side note, we are not legally required to send a paid in full letter, but do so as a serviceAs for credit reporting, the law requires Brennan & Clark to update Ms***s credit within 90days from the date of payment, which legally requires us to report by May I trust the above response satisfies the complaintShould the ***'s have any evidence that substantiates their claim, they are more than welcome to forward itHowever, as mentioned previously I am confident such information does not exist
I trust all is in order and the complaint in question may now be closed
Sincerely,
Frank ***
Initial Business Response /* (1000, 8, 2015/04/28) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@brennanclark.com
Good Afternoon,
Thank You for the opportunity to respond to the above referenced complaint
I left a message for ***
todayI am willing to allow her to break the balance up over three separate paymentsAs advised in the message I left for *** today, she can contact me direct at XXX-XXX-XXXX to make the payment arrangements
Sincerely,
*** ***
Initial Business Response /* (4000, 9, 2014/11/24) */
Good Afternoon,
I am following up in response to the complaint filed by Ms***
I was a little taken back when she referenced in her complaint, that we were not willing to work with her, or that we did not follow through with what
we said we were going to doAfter all *** fulfilled their part of the agreementDespite Ms***s inability to fulfill her portion of their agreement, *** graciously agreed to extend a prolonged payment agreement to herOne of the contingencies to the payment agreement, was that an auto payment be set up to ensure the payment agreement was adhered toEverything seemed to be working fine, until the payments started to be returned by Ms*** bank for non sufficient funds
Our goal is to resolve the matter amicablyTo date, Ms*** has remitted $1,against her $2,obligationIf Ms*** make five more $payments, it will close the matter outAt this point she can mail in a money order on a weekly basisOnce all five payments have been received we will close the matter out
Should you have any questions, please feel free to contact me, *** ***
Sincerely,
***
Initial Business Response /* (1000, 5, 2014/06/26) */
Final Business Response /* (1000, 8, 2014/07/01) */
Good Afternoon,
Upon completion of an internal investigation, please be advised we refute all the claims made in the recent complaint filed with the RevDex.comWe find no evidence internally that would support the claims made by the complainantShould there be eveidence to support the accusations made, we hereby request they be forwarded to our office for review
In addition, the complainant states the contract they entered into was on a trial basisWe kindly request they forward a copy of the supposed contract outlining the "trial" period they claim existedUpon receipt of the documentation requested, we are more than happy to review the dispute filed furtherIf documentation exists outlining the trial period we are more than happy to make monetary adjustments to the balance at that time
Should you need any additional information, please do not hesitate in contacting me
Sincerely,
***
Brennan & Clark
Initial Business Response /* (1000, 8, 2015/02/02) */
Contact Name and Title: *** ***
Contact Phone: Compliance Officer
Contact Email: ***@brennanclark.com
Thank You for the opportunity to respond to Mr*** complaint
Peerless Insurance placed the account with Brennan &
Clark for collections on December An initial demand letter was sent to MrClark December The letter extended a day moratorium in which Mr*** could contact Mr*** with respect to a dispute
Mr*** placed a call to Mr*** December During the call in question, Mr*** advised Mr*** he did not have time to handle the matter and abruptly and unprofessionally hung up the phone
Mr*** subsequently called Mr*** a second timeThe call was placed on January Mr*** communicated to Mr*** the check was mailed to Brennan & ClarkMr*** accepted Mr*** response, and professionally ended the call
Payments received at Brennan & Clark are processed automatically via a payment center and postdated payments are not flagged during the processIf it were communicated to Mr*** verbally, he could have flagged the file for an incoming post dated paymentSo while it is unfortunate, it is certainly nothing intentional
I understand Mr*** is not happy that his account ended up in collections, however, upon review we find no part of arrogance on the part of Mr*** whatsoever
Should you have any questions, please do not hesitate in contacting me
Sincerely,
*** ***
Initial Consumer Rebuttal /* (3000, 10, 2015/02/04) */
Case # XXXXXXXX
message
Yahoo! Alert Wed, Feb 4, at 1:PM
To: ***@chicago.Revdex.com.org
A typical case of he said she said , and I wouldn't expect that Mr*** to give the full storyIt is also an assumption that I am "upset" that the account was turned in for collectionsFact is that there was a disagreement with *** Insand their billing department as could be verified by my Insurance AgentSo, I was neither surprised nor " upset " that it was turned over
I fully expected that it would have beenWhen Mr*** called me at the end of the SAME day that I received his letter, I was involved in a number of business calls and activitiesI also was attempting to leave the office for a year old that waiting to be picked upI was busyMr*** told me the reason he was calling and who he was representing, however, I was not abrupt in hanging upI told Mr*** that I was too busy to handle that right now, however, he insisted on continuing the conversation, telling me about demands, etc, etcI told him a second time that I was too busy right then to handleHe continued to tell me he could take a payment over the phoneTHAT is when I told him that I was too busy and did indeed hang up on himIt is a shame when someone automatically feels that the debtor is some insignificant deadbeat and just doesn't intend to payThat was the impression he gave me and I find it to be very offensiveHe
was not as polite as he wants his firm to think
When he called the second time , (and again at a very busy time ) I handle businesses and telephones and I do not have the luxury of having a secretary or any other helpSo if someone calls for personal matters at an inconvenient time , I expect the courtesy of that caller to listen and at the very least ask when would be a more convenient timeHe did not, I told him the check was in the mail and I do not remember if I told him it was post datedProbably did notSo, their methods are their methods, and I can accept thatWhat I do find inexcusable, is an attorney who handled the phone calls the way he did and then lies about it
I certainly don't expect much of anything to come of this, but perhaps it would be a good idea for Mr*** and his firm to take a better look at Vermont's Laws that protect the consumerI think you will find that he crossed that lineI know I only expect that the Revdex.com will consider the practices of this firm and Mr*** before simply dismissing this complaintIt is a legitimate complaintHad Mr*** been a little more "less demanding" a civil conversation may have been held and I would not have been subjected to bank problemsI am also fairly sure that he couldn't care less
K***
Initial Business Response /* (1000, 5, 2014/02/20) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@brennanclark.com
Good Morning,
Thank You for the opportunity to respond to the complaint in questionPlease be advised I am unable to send a
letter stating that nothing is dueI can send a letter stating that the account was placed with my office by Safeco Insurance and was then withdrawn from my office by *** resulting in a $balance with my office
I will have the letter drafted and sent in the next 1-business days
Sincerely,
*** ***
Dear Sir/Madam,Thanks you for affording us the opportunity to respond to Ms*** complaintPlease be advised that Ms*** spoke with two of Brennan & Clark's representatives, *** *** on January and *** *** on January We vehemently refute Ms*** claim
that we were unwilling to provide her information which would allow her to verify Brennan & Clark represented Home Pages and American MarketingMr*** provided Ms*** with a phone at which Home Pages and American Marketing could be reached, which she is more than welcome to call to confirm, it is *** We also refute Ms*** claim that Brennan & Clarks representatives "Just wanted checking account information"The agents in question did request payment be issued via ach payment, and Ms*** denied their request which she is more than entitled to doMs*** did however advise Mr*** that she owed the debt in question and also advised Mr*** she was suffering financial hardship, and she subsequently agreed to pay the balance off over three monthsMs*** indicated she would call back the following day to issue the payments, however the issuing of payments did not materializeThe final item raised by Ms*** appears to relate to the mini MirandaGiven the debt in question is a commercial debt and the fact the FDCPA applies to consumer debt Mr*** nor Mr*** are required to cite the Mini Miranda in their communication with Ms*** in this instanceIn closing, as previously communicated to Ms*** if she would like to call Home Pages and American Marketing to verify Brennan & Clarks capacity, and contact us back after the fact, she is more than welcome to set up payments over the next three momentsWe look forward to your responseShould you have any questions in the interim, please feel free to contact me
Sincerely,
*** ***
Initial Business Response /* (1000, 8, 2014/10/21) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Morning,
Ms. [redacted] please call XXX-XXX-XXXX, Brennan & Clarks main number at a convenient time for you and ask the...
receptionist to page me, [redacted], and I will look to try and come up with a solution that works for both parties. I am in the office daily from 9-5.
Sincerely,
[redacted]
Brennan & Clark Ltd. customer service of Ms. Sam [redacted] was extremely over the top rude, insulting, derogatory, inflammatory, and most importantly unprofessional.
There is a great opportunity for training in areas of - active listening, clarifying, restating in calm manner without verbal flare up. I am a disabled senior. The conversation had a specific purpose but was handled in way that was totally uncalled for - at the core was utter disrespect! Verbal abusive language has no place in Revdex.com accredited business. Thank you.
Initial Business Response /* (1000, 10, 2014/10/21) */
Good Afternoon,
Thanks You for the opportunity to respond to the above referenced complaint.
Allow me to begin by addressing the question surrounding the contract. [redacted] Magazine has been in business for years and are a reputable...
Advertising company. The advertisements in question were run once authorization was provided in the form of a signed agreement. If the individual who signed the agreement is no longer with the company, it does not exonerate the company from it's obligation.
I am happy to present the option of the customer in question contacting me direct, [redacted] XXX-XXX-XXXX to discuss possible options in getting the matter resolved amicably as opposed to them speaking to [redacted] I am in the office for the most part from 8-5 central time. If they reach my voicemail and leave a message I will contact them back promptly.
Sincerely,
[redacted]
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 12, 2014/10/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I think they owe us an apology. I will work out some plan with my partner on how to pay this debt and when. Given that the business is closed it's kind of hard now.
Initial Business Response /* (1000, 7, 2014/06/18) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
As of January 2014, 5th Quadrant (Mr. [redacted] owed [redacted] Inc. $165.00 + a $75.00 NSF fee in February (insufficient funds...
fees for bouncing 401k debits). The February NSF fee was credited to the 5th Quadrants invoice as a courtesy by [redacted] Inc., leaving a $165.00 balance. 5th Quadrant, was invoiced for all of these charges by [redacted] Inc.
5th Quadrant paid [redacted] Inc., $75.00 via credit card on 3-4-2014, leaving $90.00 which remained unpaid. [redacted] Inc., sent the $90.00 balance to Brennan and Clark for collections on 4-10-2014.
The additional amount collected by Brennan and Clark ($31.50) is our collection fee, as allowed by 5th Quadrants contract with [redacted] Inc., section 11 "Client's Default: ... Client will be responsible for the costs of collection of Amounts Due including, but not limited to, attorney's fees (including in-house counsel), court and arbitration costs.
Brennan and Clark charged a 35% fee, bringing the $90.00 balance to $121.50. Payment of $121.50 was remitted by Mr. ** to Brennan & Clark LLC on 4-30-2014. As outlined above however, the payment Brennan & Clark received was not a double pay as Mr. ** claims.
As of today, [redacted] Inc., show no Branch Accounts Receivables balance due for 5th Quadrant.
I trust the above explanation resolves the issue. Should you need any further information, please do not hesitate in contacting me.
Sincerely,
[redacted]
Initial Consumer Rebuttal /* (3000, 9, 2014/06/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Both [redacted] and Brennan and Clark did not informed me of the full balance owed. Instead they conspired together to collect additional fees by separating the balance into two parts in order to gain maximum profit. This deceptive behavior is not acceptable and a Consumer Financial Protection Bureau complaint has been filed. I am willing to change my request from seeking $121.50 refund to just refunding the $31.50 which is illegally collected from me by deceit and conspiracy.
Final Business Response /* (4000, 11, 2014/07/01) */
Good Afternoon,
As previously explained in our prior response, 5th Quadrant was billed correctly by [redacted] from the onset. The collection costs attached to the balance was done so within the terms and conditions of the contract. Rest assured there was no conspiracy on the part of Brennan & Clark or [redacted] to deceive 5th Quadrant. The fact that 5th Quadrant now acknowledge they did owe [redacted] monies surely verifies that.
If Mr. ** has any evidence to support his claim of deceptive practices we invite him to forward proof. Without such proof, we deny Mr. **'s request of a refund of the collection costs.
Should you require any further assistance please do not hesitate in contacting me.
Sincerely,
[redacted]
Brennan & Clark
This company continues to call me about an amount that I do not owe. They also get nasty on the phone and use words I do not understand to collect a non existing debt. I believe that this is an issue of fraud on the part of Brennan & clark. If this issue is not resolved with them in the next 30 days I will be taking legal action.
Good Afternoon,
As of today we have spoken to [redacted] Insurance twice in relation to the debt in question. On 9/8/2015 [redacted] received a call from the insured adding a vehicle in question to policy [redacted]. The policy renewed on 12/1/2015 and was subsequently cancelled for non...
payment of premium on 12/22/2015. At the time of cancellation there was a premium due in the amount of $341.59.As of today we have not received the documentation requested from the original creditor and have submitted an additional request. At this juncture I am happy to do 1 of two things: once receieved I will forward the information in question. Should we not receive it within 30 days, I will close our file.
Please advise if the above is agreeable by Ms. [redacted].
Sincerely,
Frank [redacted]
Initial Business Response /* (1000, 6, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Afternoon,
Thank you for affording us an opportunity to respond to the complaint in question. Please be advised we...
vehemently deny the unfounded allegations made by Ms. [redacted] in her complaint.
Having had an opportunity to review the calls in question, I have verified the following:
1)At no point in time, did Ryan Grant of Brennan & Clark claim to work for [redacted]
2)We mailed an initial demand letter to [redacted] on July XX XXXX which outlined the total balance placed for collections with Brennan & Clark by [redacted]
3) Mr. [redacted] did communicate in every call placed to [redacted] that he was with Brennan & Clark.
4)A representative of [redacted] contacted Brennan & Clark, as they were in receipt of a complaint from [redacted] Upon reviewing the call with [redacted] they were more than happy in how Brennan & Clark handled the file in question, and had no concerns.
In lieu of the fact out internal investigation has not uncovered any unethical practices, nor has it uncovered violations of any regulatory issues we trust all is in order.
Should Ms. [redacted] have any evidence that suggest otherwise, we certainly invite her to forward the information in question for review.
Sincerely,
[redacted]
Initial Business Response /* (1000, 8, 2015/02/16) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Morning,
Thank You for the opportunity to respond to Mr. Nicelys complaint.
Please be advised, the debt in question...
was incurred by [redacted] and not Mr. [redacted] personally. As this is a commercial debt, the FDCPA as cited by Mr. [redacted] in his complaint does not apply to commercial debt. Despite this, we have updated the address we have on file for [redacted]
In addition, Mr. [redacted] of Brennan & Clark, emailed Mr. [redacted] copies of the information he requested, and trust now is all in order and anticipate Mr. [redacted]'s payment arriving in out office in a timely fashion.
Should you need any additional information, please do not hesitate in contacting me.
Sincerely
[redacted]
Initial Business Response /* (1000, 6, 2015/08/14) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@brennanclark.com
Good Afternoon,
In reviewing the dispute in question, we have no known account in our system which matches the contact...
information provided by Mr. [redacted].
I would be happy to look into Mr. [redacted]'s dispute, however, in order for me to do so, we kindly request he provide the name, address, and file # on the correspondence received from Brennan & Clark, or the phone number at which Mr. [redacted] was contacted. Once verified, I happy to assist in reviewing the matter.
Sincerely,
Initial Consumer Rebuttal /* (2000, 8, 2015/08/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been contacted by this company multiple times. I only have 4 saved messages in my deleted voice message folder.
3-26-15 [redacted] contacted me threatened legal action but gave no account number to reference.
4-17-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
4-30-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
5-4-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
During this whole process all I have asked for is a bill so that I can make sure I actually owe the money. I have been told they won't send one.
I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbers. I had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyone. After I left the bank I went to my local Revdex.com and explained the harassment I have been put through. The Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a bill. when I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action.
Final Consumer Response /* (3000, 16, 2015/08/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have been contacted by this company multiple times. I only have 4 saved messages in my deleted voice message folder.
3-26-15 [redacted] contacted me threatened legal action but gave no account number to reference.
4-17-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
4-30-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
5-4-2015 [redacted] contacted me threatened legal action but gave no account number to reference.
During this whole process all I have asked for is a bill so that I can make sure I actually owe the money. I have been told they won't send one.
I have also been told they only payment that would be accepted by both these men named above was via my bank routing numbers. I had a brief meeting wit,h my banker and he suggested I DO NOT give these numbers to anyone. After I left the bank I went to my local Revdex.com and explained the harassment I have been put through. The Revdex.com in lexington key recommended I DO NOT give them my routing number and that by law they had to send me a bill. when I contacted Brnann and Clark I was told that I was give bad information by both parties and again threatened with legal action.