Butte-Silver Bow Chamber of Commerce

Mr [redacted] ,Please be advised that in our industry a Paid in Full letter and receipt are two separate documents and a Paid in Full letter is typically requested by a mortgage company or other lender evidencing a debt has been paidThe receipt simply shows the amount paid, the date, and for what account the payment was made (typically)If you make payments using a debit or credit card your statements provide proof of paymentYou may also make payments online using our website [redacted] and obtain a receipt for each payment that wayTo resolve this matter, a letter will be sent to your address at [redacted] providing proof of payment for the accounts we have on filePlease allow a few days to receive this as it will sent via standard mailIf you have questions, please contact us at ###-###-####Thank you

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me? However, its unfortunate that a consumer has to file a complaint with the Revdex.com to get a simple receipt? Supervisor Vanessa indicated the reason neither receipts nor paid in full letters are provided is because most people have several accounts placed and if a paid in full letter was sent out but then new accounts were placed, consumers would try to use the previously received paid in full letter to justify not paying additional accounts? This is flawed logic as it implies that consumers are incapable of understanding simple accounting and that they are deceptive by nature? Not all consumers are trying to get out of paying past bills, many just simply cant due to the high cost of healthcareEven if someone tried to use a paid in full letter to get out of paying future bills, you handle that individual separately? Don't make a policy that treats us all the same and makes your job easier because all you have to say is "no" rather than make a decision that's in the best interest of the consumerIts not like getting a receipt is a new concept and given that most people do not want to deal with debt collectors, requesting proof that an obligation is paid in full should not be extraordinary.? Regards, [redacted]

Ms [redacted] As stated previously, CMC cannot provide a bill or statementIn an effort to resolve this for you, we have requested additional information from our client (creditor) in the event that they have any information that can be forwarded to you to assist in providing to the **If no information is available, the only path to resolution would be directly with the **They would need to approve the charges to be paid and advise us of that approval so we can adjust the balance accordinglyPlease allow up to days to provide any additional information from our clientIt will be mailed to you? at xx [redacted] once receivedThank you

In response to the complaint dated [redacted] we apologize for any inconvenience this mayhave caused youPlease be advised that provision of an authorization code is a form of receiptas it is proof of paymentStatements such as your bank statement or credit card statement arealso proof of payment Our agents may also direct consumers to our online website to makepayments if you would like a hard copy receiptAny of these options would have beenpresented at the time of paymentProvision of a hard copy receipt is not required, but availablevia online payments.Attached is a receipt of paymentIf you have any questions, please feel free to contact us at [redacted] Thank you

Mr [redacted] ,? ? Please be advised that we had received your dispute on 10/4/and the account was recalled and returned to the client (CVS) after review the same dayNo contact has been made following your dispute and the account has been closedThis account was not reported to any credit bureau so there would be no need for removalIf you have any further questions, please contact CVS directlyWe apologize for any inconvenience this may have causedThank you.?

Ms***,? We apologize for any inconvenience this may have causedAfter investigating this matter, it appears that you had spoken to a Representative concerning your account with a current balance of $and requested a reduced amount to pay to satisfy the balance ($200)Unfortunately, due to the balance amount we would not be able to accept the offer of $You stated to our Representative and then the supervisor that you would go directly to the creditor to discuss a reduced amount offerYou are certainly able to do this and if it is decided that the amount would be accepted, we would be advised of such and proceed accordingly to satisfy the balanceWe did not find that you were advised you had to pay in full, however; we did state that the amount you had indicated you wanted to pay as a reduced amount simply would not be sufficient given the balance and per our guidelinesIf you would like to discuss this matter directly with our client (creditor), please feel free to do so and they can advise us if the amount is acceptedWe appreciate you attempting to resolve this balance and are willing to work with you in doing soIf you have any questions, please feel free to contact usThank you?

Dear Mr [redacted] ,Please be advised that this account was disputed and validation sent to your address on file o [redacted] ***If what you received was a "truncated" statement, that information would not have been sent from us as our records show the validation material sent was a copy of the loan agreement which shows all of the appropriate information outlining the amount provided and what would be owedA disputed account on a consumer report may not be removed unless the item is inaccurate or unverifiableWe have verified the information concerning the balance and have received no supporting documentation evidencing it is in any way invalidIf you have such information, please feel free to provide to us and we will be happy to review as well as request deletion of the item on the credit report should it be discovered that the item is inaccurateUnless further information is received that supports this item is inaccurate, the item will remain on the credit report as disputedIf you have any further questions, please feel free to contact us at ###-###-####Thank you

Ms [redacted] ,We apologize for the experience you had with our agency and representatives as well as the feeling of being harassedWe received this account from the creditor on 6/30/17, sent a notice on 7/5/and placed only calls prior to 8/4/In response to your complaint concerning being asked for personal information, we are required by law to verify the person we are speaking to in an effort to prevent releasing your personal information to a third partyYou were advised on the call on 8/4/that this account was not sent to your credit report and would have no bearing on your credit scoreNo additional contact should have been made by our company following this date which is an error on our part and has been addressed internally with the Representative who you spoke to as you did receive an additional call on 8/11/unnecessarilyYou spoke with a supervisor on this day following the contact and the phone number and address on the account were removedI could not confirm on any call that you were told the collections process would continuePlease be advised that this account has not been reported to any credit bureau and that it is in status where you should receive no further contact specific to this accountIf you have any questions, please feel free to contact usThank you.?

Ms [redacted] ,? We apologize for any inconvenience this has caused youPlease be advised that we have investigated this issue and it appears you spoke with a supervisor at our company today (6/25/18) concerning this account advising it was paid and he provided you the fax number.? ? It did not appear that we advised we did not have a fax machine at any pointIf you were advised this, it was incorrect and we can look into that furtherIn order to correct this error, we have placed your account in a disputed status so you will receive no further contact until we have been provided the proof you indicated you were sending showing this account has been paidOnce we have confirmed the account has been paid, we will request it be deleted from the credit reportPlease note that it can take 30-days for it to be removed as our company does not have the ability to remove the account, we simply notify the appropriate reporting agencies that it should be removedYou can contact the bureaus directly for a timeline of removal if this is the caseIf you have any questions, please contact us at [redacted] Thank you

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me, provided that I am not contacted again by Credit Management Company in any way concerning this matter, and that my credit score is not adversely affected in any way.? Any such adverse affect or future contact will constitute a new cause of action and I? will proceed directly to the Pennsylvania Attorney General Regards, [redacted] ? [redacted]

In response to the complaint sent 7/27/16, we apologize for any inconvenience and haveconducted an investigation that has returned the following informationNo live call appears to have been made to the consumer parents as indicated in the complaint.If they have received any contact from CMC, we apologize as we would have contacted thenumber provided by our clientIf the number provided was incorrect or inaccurate, it ispossible that the parents may have been contactedOur agency would only contact parents ifwe were attempting to locate the consumer due to the incorrect or inaccurate informationprovided by our clientOn 5/20/6, we received information stating the account was paidThis information wasforwarded to the client as verificationOn 7/22/6, CMC received a callfrom the consumer’s sister (contrary to complaint as statedCMC contacted consumer’s sister) who provided an updated number xxx-xxx-1404.Please be advised that our records now show that the account has been paid in full and no furthercontact would be made to the consumer or the consumer’s family concerning this account.If you have any questions, please feel free to contact us at 1-866-368-Thank you.Sincerely,Andy B***Compliance ManagerCredit Management

Ms***,I apologize for the inconvenience with this call and we have taken appropriate action to prevent this from happening in the futurePlease be advised that what our Representative (Nick) was trying to explain was that we have additional accounts in our office associated with you that are
not paid and if you were advised that they were paid, you were misinformedIf this is the case, please advise whom you spoke to that said all of your accounts were paid in fullFrom the call, you had stated you were "under the impression" these were all paid which indicates maybe this is simply a misinterpretation or miscommunicationThere are accounts in our office with *** *** listed as the creditorYou had stated you were not familiar with *** *** and what would have been explained if you were not familiar with them is that if you had insurance during this timeframe to contact your insurance to inquire about any services provided or billed so you can become more familiar with themIf the insurance is not able to provide any additional information, and you are not familiar with the services, we can treat this as a disputed account and provide verification once received from the creditor (*** ***) for your review and resolve the matter in that fashionIf you have questions, please feel free to contact us at ***Thank you

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,*** ***The details involved are not totally true the last talk with The ** I informed them they requested a bill for me to take or send to them I was hung up on a told noI have been very ill even homeless and not aware of this bill until repairing my credit Someone please explain how someone can charge you to whom you owe nothing under what law or regulationI will take this information to the nearest ** here so as to continue with this case to hurry it because of the Revdex.comAnd yes because I am confused to what hospital please provide me a bill or the hospital direct number I want to get this paid asapThank you

Ms*** We apologize for this inconveniencePlease be advised that this complaint has been investigated and the following was discoveredThis has been an ongoing issue since which appears to be an issue between yourself and the insurance company. The main issue seems to be
that the insurance company or veterans affairs is requiring a bill. Please be advised that as a debt collection agency we do not send out monthly statements or billsThere is an initial notice which was sent on 11/3/You spoke with a Representative on 1/21/concerning this account and provided a new addressOn 5/22/15, we spoke with our client (creditor) who stated ** would not cover this chargeThere were conversations with CMC on 5/27/15, 7/13/15, 10/20/16, and 11/8/On each date, there were continuous discussions concerning the balance shown from the creditor which shows a zero balanceThe reason for this is because when an account goes to collection, the account is written off by the creditor which means the account will reflect a zero balance because the account is no longer in their officeIt is forwarded to the collection agencyOn 10/20/16, you had stated you would contact the ** to see what can be done concerning the accountOn 11/8/16, you had said that a bill is needed by the ** although previous information provided to us indicated they would not pay for the services and it is patient responsibilityThe creditor will also not provide a bill as you have requestedIn order to resolve this, please have ** contact us confirming that they will cover this charge and provide appropriate informationCMC cannot provide a bill or statement as the notice required by law was already sentAlso, the disputes that were sent noted the reason for the dispute as "late due to change of address" which provides little information to investigate or provide information concerning as we were advised of an address update in January Please contact us at ###-###-#### and/or request the ** contact us to confirm coverage and we can work to resolve the issueThank you

In response to the complaint dated *** we apologize for any inconvenience this mayhave caused youPlease be advised that provision of an authorization code is a form of receiptas it is proof of paymentStatements such as your bank statement or credit card statement arealso proof of payment
Our agents may also direct consumers to our online website to makepayments if you would like a hard copy receiptAny of these options would have beenpresented at the time of paymentProvision of a hard copy receipt is not required, but availablevia online payments.Attached is a receipt of paymentIf you have any questions, please feel free to contact us at ***Thank you

Ms***, We apologize for any inconvenience this may have causedAfter investigating this matter, it appears that you had spoken to a Representative concerning your account with a current balance of $and requested a reduced amount to pay to satisfy the balance ($200)Unfortunately,
due to the balance amount we would not be able to accept the offer of $You stated to our Representative and then the supervisor that you would go directly to the creditor to discuss a reduced amount offerYou are certainly able to do this and if it is decided that the amount would be accepted, we would be advised of such and proceed accordingly to satisfy the balanceWe did not find that you were advised you had to pay in full, however; we did state that the amount you had indicated you wanted to pay as a reduced amount simply would not be sufficient given the balance and per our guidelinesIf you would like to discuss this matter directly with our client (creditor), please feel free to do so and they can advise us if the amount is acceptedWe appreciate you attempting to resolve this balance and are willing to work with you in doing soIf you have any questions, please feel free to contact usThank you

Ms***As stated previously, CMC cannot provide a bill or statementIn an effort to resolve this for you, we have requested additional information from our client (creditor) in the event that they have any information that can be forwarded to you to assist in providing to the **If no information is available, the only path to resolution would be directly with the **They would need to approve the charges to be paid and advise us of that approval so we can adjust the balance accordinglyPlease allow up to days to provide any additional information from our clientIt will be mailed to you at xx** *** ** once receivedThank you

Mr***,We apologize for the inconvenience in this matter and want to assure you that a fee of 25% that is applied to a balance is a statute approved by the state of Pennsylvania for restitution cases (PA Title 42; Section 9730.1(b)(2))CMC does not have any control of, nor any involvement with,
the docket information and if there was a comment that stated you had requested the account go to collections than this is a matter best brought up with the courtsCMC would not be able to resolve that issueIn regards to your complaint, it appears per our records that you intend on making payment on the account and ultimately pay it offWhat is your expected resolution for this complaint as it did not appear that any action can be taken by CMC to resolve the issue? If you have any questions, please contact us at ***Thank you.

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However, its unfortunate that a consumer has to file a complaint with the Revdex.com to get a simple receipt Supervisor Vanessa indicated the reason neither receipts nor paid in full letters are provided is because most people have several accounts placed and if a paid in full letter was sent out but then new accounts were placed, consumers would try to use the previously received paid in full letter to justify not paying additional accounts This is flawed logic as it implies that consumers are incapable of understanding simple accounting and that they are deceptive by nature Not all consumers are trying to get out of paying past bills, many just simply cant due to the high cost of healthcareEven if someone tried to use a paid in full letter to get out of paying future bills, you handle that individual separately Don't make a policy that treats us all the same and makes your job easier because all you have to say is "no" rather than make a decision that's in the best interest of the consumerIts not like getting a receipt is a new concept and given that most people do not want to deal with debt collectors, requesting proof that an obligation is paid in full should not be extraordinary.
Regards, *** ***

In response to the complaint dated 3/28/16; please be advised that we apologize for anyinconvenience this has causedCredit Management Company’s role in the credit reportingprocess is simply to advise the credit bureaus of consumer account information and anyupdates to that information.When an
account is paid in full, it may take between 30-days for the information to beupdated, or deleted, from a consumer’s credit reportThe removal of the account is theresponsibility of the credit bureausCredit Management Company notifies the appropriatebureaus to remove the account as it is in paid in fullFrom that point, the bureaus must removethe accountIf the account was paid on 2/12/16, this may still be in the process of beingremoved by the credit bureaus.A manual request to remove the item was sent to the credit bureaus on 3/29/as wellThisnotifies the credit bureaus that an item needs to be deleted from a consumer reportPlease notethat this can take up to 30-days to remove (dependent upon bureaus).If you have any questions, please feel free to contact us at ###-###-#### (toll free).Thank you.Sincerely,Andy B***Compliance Manager