Butte-Silver Bow Chamber of Commerce

Please be advised that we are a legitimate business and would like to assist you in resolving this issueIn order to do so, please provide the account number(s) that you were referencing in your call with our representatives and what balances are showing on your credit report so we can investigate
this furtherThere are accounts that were cancelled (sent back to the creditor) and there some active accounts placed with us since May In order to resolve this sufficiently for you and try to assist with your credit report, please provide any account that you see with Credit Management Company that is currently on your credit report and advise which, if any, you believe to have paid previouslyOnce we have all of the account information needed, we can investigate and determine the status of the accounts, what has been paid, and how we can best resolve this issue to your satisfactionIf you have questions, please feel free to contact usYou can contact us by phone and provide the information we are requesting or send a fax to *** and we will addressAll of your accounts that were not closed previously have now been placed in a disputed status and should be reflected as such on the credit report until we can resolve this issueThank you

In response to complaint dated 10/3/16, we have conducted an investigation into the issuesubmitted per the complaint and have discovered the following:• Check was provided to Credit Management Company made out to a doctor as opposed to“Credit Management Company”• Credit Management Company processed
the check (mistakenly)• Consumer contacted CMC on 10/4/to discuss and wanted a refund• Assistant Manager discussed with consumer and advised that the money would be refunded($50.00)• Individual mistakenly processing check has received disciplinary counseling to prevent fromfuture occurrenceAs the money will be refunded, this issue should be resolvedIf you have any questionsto contact us at ###-###-####.Thank you.Sincerely,Andy B***Compliance ManagerCredit Management

Mr***, 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.

*** in the billing department at *** *** *** ***

Mr***,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 *** and obtain a receipt for each payment that wayTo resolve this matter, a letter will be sent to your address at *** *** ** 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

Ms***,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.

In response to the complaint dated 6/10/16, we have received the complaint and want to address in the following manner.We apologize for any inconvenience this has caused to the consumer, however; company practice is to provide an authorization code if a credit or debit card is used as receipt of
paymentCheck payments by phone take longer to process and therefore do not have an authorization code associated with them as the payment is not processed immediatelyA bank statement or credit card statement may also be used as record of the paymentPayment through the website is another avenue to obtaining a hard copy receipt.If a written document is required to provide to a mortgage company, or other financial institution, please be advised that this is a direct conflict of practices and is a frequent burden on the consumer and on our agencyFinancial institutions typically require a “paid in full” letter requiring an account number, amount paid, date paid, and language stating that the debt has been satisfiedThis goes beyond what is typical process for an agency such as ours and providing these is not a requirement, but a courtesy.Please note that a payment letter, as requested, has been attached to resolve this matter as a courtesy.If you have any questions, please feel free to contact us at ###-###-####.Sincerely,Credit Management Company

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***,? 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 ***Thank you

Dear Mr***,Please be advised that this account was disputed and validation sent to your address on file o* *** * *** ** *** ***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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
***? ***

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
I am sorry still can't except not being provided a bill, or waiting daysI am going to seek Legal counsel, I have been denied credit because of this? Something seems totally unjust about this situation please provide the law or rule that allows you to do thisGod Bless you have a good day

We apologize for the inconvenience and frustration that has occurred because of thissituationIn order to shed some light on this issue and clear any misinformation, our response isoutlined below.Please be advised that discussions have taken place with both medical providers in whichservices were
rendered and both have provided information validating the balances owedWehave been provided itemized statements from Conemaugh Physician’s DLP with accountsnoted as “sent to collections”We also have documented that you spoke with a *** ***
*** ** *** *** *** concerning your accounts in which she validated and no furtherdocumentation was presented as our understanding was this validation was acceptable to you.If you would like the itemized statements for the accounts, please contact us by phone or mail arequest for these items to the address listed on this response.From our research, it appears that there was information provided to you by the *** ***that may have been incorrectThere may have been balances associated with a Physician’soffice that is billed separately from the hospital and other officesThis is common practice andunfortunately causes confusion amongst patients as it can appear as though you received a billfor the same servicePhysician offices that service the same hospital have separate systemsand therefore the information can’t be viewed by other officesThis would explain why they arestating your accounts are paid or that nothing was sent to collections because they, in essence,don’t have the accounts or access to them.Please be advised that if there is any information that you can provide contrary to what we haveon file, or if you believe the balances have been paid, to provide us with the information and wemay forward it to our client(s) for verification.We apologize for this inconvenience and certainly want to come to a satisfactory resolution ofthis matterCurrently, our records and information provided by our clients indicate that abalance is still owedThe balance total is currently $1,according to our recordsWewould be happy to provide you with the appropriate documentation as stated previously and/orwork out a plan for payment, if you so choose.If you have any additional questions, please feel free to contact us at the number provided.Thank you.Sincerely,Andy B***Compliance Manager