Century Support Services

Century did not mishandle the negotiation of Mr [redacted] ’s Chase account as he alleges The creditor, Chase, decided to write-off the account in its entirety while settlement negotiations were underway As the account was written off, Mr [redacted] did not incur any settlement fees to Century on that account Had the account been settled, Century would have earned a fee, which would have been 25% of the original enrolled debt balance, and the settled upon amount would have had to have been paid Not only did Mr [redacted] not incur a fee to Century, he had to pay nothing toward the account That resulted in a total savings to him of over $ When his program with Century was completed, the balance in his dedicated settlement account ($1885.35) was refunded to him Chase’s decision to report the account as written-off was their prerogative as his creditorCentury had no involvement in Chase choosing to abandon its collection efforts and in writing off the account nor any reporting that Chase may have made to the credit bureaus Neither Century nor Mr [redacted] had any advance notice of Chase’s decision to write off the account With regard to Mr [redacted] ’s statement that one of the credit bureau’s continues to incorrectly reflect on his report that the Chase account remains unpaid, we respond that, If one of the bureaus incorrectly reflects the Chase debt as still owed, he should take up the matter with the creditor and the credit bureau The 1099-C that was issued to Mr [redacted] by Chase (and, which he produced to Century) should be evidence that the debt was written off and is no longer due While Century is not in the credit repair business, we would be glad to direct Mr [redacted] to credit repair service that may be able to assist himWe have called him and sent him an email message asking that he contact us for that purpose Thank you, Sameka G [redacted] Senior Director of Client Services Century Support Services

Thank you for your correspondence dated October 20th, and for providing Century Negotiations,Incthe opportunity to respond to Ms [redacted] 's complaint filed with your officeRest assured that wetake consumer complaints very seriously.I contacted Ms [redacted] shortly after receiving this complaint to discuss her concerns surrounding thetransfer of her account to our office and the offer of loan that was presented to herShe had feltpressured at the time to accept a loan from our partner companyI apologized to her for the mixedmessage that was sent as that was not our intent to pressure her one way or the otherShe and Idiscussed at length the fact that a loan opportunity is not in the best interest of everyone and that weagree with and respect that line of thinkingMs [redacted] also commented that one of ourrepresentatives falsely stated that CNI was accredited by the Revdex.comI did clarify that we are notaccredited but that we do have a high ratingIn summary, Ms [redacted] has been canceled from ourprogram and it is our understanding that at this time all of her concerns have been addressed.Respectfully, [redacted] ***Senior Director of Client ServicesCentury Negotiations, Inc

To whom this may concern, Upon receipt of the above complaint, Century was able to connect with Ms [redacted] to further review her concernsWhile Century details our fee structure on the contract and discloses those fees again each time a client is approving any settlement offer negotiated on their behalf, Ms [redacted] stated that she was not aware that Century charged any fees for our servicesAfter speaking with senior management Ms [redacted] has agreed to continue with the Century Debt Settlement program for a reduced fee of 18% on any future settlementsIn an act of good faith Century also waived remaining fees for the current settlements that are in placeIt is our understanding that at this time Ms [redacted] is satisfied with the outcome and the debt settlement services that Century is providingThank you, Sameka G***

Up to this point we have not been able to connect with Ms [redacted] to discuss her complaint filed with the Revdex.comIt is our desire to further explore any concerns that she may have in regards to how her accounts were handled while enrolled with Century Support ServicesIn the original complaint, Ms [redacted] expressed concerns over her creditors being contacted and our progress in resolving her debtsDue to the nature of debt settlement it is necessary for accounts to be delinquent prior to securing a settlement on any individual accountMost creditors do not entertain discussions of settling an account until the account is past due by a number of monthsOur years of experience in the industry have given us the knowledge to know the prime point in delinquency to seek a settlementUnfortunately, Ms [redacted] canceled from the program before we were able to prove the value in our servicesCentury Support Services does not charge any monthly fees, settlement fees are earned when each individual debt is settledIt is stated in the contract that interest and late fees may continue to accrue while enrolled in a debt settlement programAs such we would not be able to cover the fees that were assessed by Ms [redacted] ’s individual creditors Sameka G [redacted] Senior Director of Client Services Century Main Street, Banco Business Park North Huntingdon, PA Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] Website [redacted]

Ms. [redacted] and I had a chance to speak on Thursday July 28th, 2016 and we agreed to a refund of $419.00 in settlement fees along with Century arranging and paying for a settlement on her [redacted] account. At that time, I explained that a refund release agreement would be emailed for her review and signature. The next day, I placed a call to Ms. [redacted] and left a message to advise her on a delay in the refund and release agreement. The reason it was not sent to her yet was because I was still waiting on a final settlement offer from [redacted] (the company currently collecting on the [redacted] account). Later that day, Ms. [redacted] spoke with another representative in our office, who conveyed the same message. It was our understanding that Ms. [redacted] understood the reason for the delay and did not have an issue waiting, in order for the complete details of the refund and settlement arrangement to be outlines on the release.In speaking with [redacted] today, August 2nd, we have been informed that they are no longer collecting the debt owed on the [redacted] account. A representative in their office indicated that the debt had previously been disputed by Ms. [redacted] and the decision was made to move the account to a non-collectable status and to purge it from their system. [redacted] will be updating the Credit Bureaus accordingly, as well as mailing a letter directly to Ms. ***.As such, I am attaching a copy of the refund and release agreement, showing that we have agreed to refund fees totaling $491.00. Once this release has been signed and returned to our office, we will mail a check to Ms. [redacted] to fulfill the refund. Thank you for your time and consideration in this matter. Sameka G***Senior Director of Client Services Century

As the Director of Lifecyde Marketing, I’m one of the executives responsible for our brand and reputationI am afresh set of eyes to the complaint from Ms [redacted] and to the history behind itI have spent quite a bit oftime reviewing the information and speaking with our team about itBelow I have listed some of the key facts andmilestones that I have collected:03/25/- Ms [redacted] joined the debt settlement program04/01/- First draft payment made to reserve account of $04/09/2014— First settlement (via term payments) initiated on T-Mobile account for $12/22/2014— Second term payment settlement initiated on GECRB account for $3/16/- Call and verbal recorded approval to draft additional funds and enter dient into third termsettlement on [redacted] account for $4/27/— Ms [redacted] called to cancelSeveral supervisors/managers tried to work with her to keep herenrolledOur team explained to her that if she cancelled, her program would cease and the term paysshe was working on would go null and void and that the amount paid on those settlements thus far wouldbe applied towards the accounts balances in fullWe collected the remaining funds in her reserve of$and applied them to outstanding fees that we were owed for settlements initiated on heraccountsThere were remaining fees that we did not collect and have written offAs per her contract, the fees on each account are owed in full at the time the first payment is remitted ona settlementIn order to allow for faster settlements we often choose to split our fees over multiplepayments during the length of a settlementThis is explicitly beneficial to our dients10/6/— Ms [redacted] called to inform that [redacted] account was still being collected on and that shethought it was paidIt was explained that because of the term pay status on this settlement when theprogram was cancelled, the payments made towards this account were applied towards the balance infull and the settlement was not completed11/19/— Ms [redacted] turned to the Revdex.com with her first complaints11/20/— 2/23/- Several attempts were made both via phone and email to come to asatisfactory resolutionAs of July of 2016, a resolution has not been agreed to.Based on these facts, our team would like to make a good faith offer to Ms [redacted] to resolve this complaintOuroffer includes:• The Century team will work with [redacted] to settle the debt at no additional cost to Ms***• The agreed upon amount to completely settle the [redacted] debt will be paid in full by Century at noadditional cost to Ms***• If the debt is currently in dispute with the creditor, the dispute will need to be removed by Ms [redacted] inorder for Century to complete and pay the settlement amount in full.With this offer accepted and in place, we would ask that Ms***’s complaint be satisfactorily resolved on theRevdex.com siteWe would also need a release signed by Ms***.Please let us know if there are any questions and if we need to provide further details to this resolution offer.Thank you for your time and consideration in this matter.Sincerely,Stephanie P***Director of Lifecycle Marketing

We had an opportunity to speak with Mr [redacted] on Thursday, August 4thAfter listening to the issues that have transpired and offering our apologies for any hardship he has incurred, we have agreed to refund all settlement fees that have been collected to date At this point Mr [redacted] can still see that there is value in our program and as such, he will continue with the settlement programThe fees will be waived for all negotiated settlements on his remaining accounts Sameka G***Senior Director of Client Services CenturyMain Street, Banco Business ParkNorth Huntingdon, PA 15642Phone: ###-###-####Fax: ###-###-####Email: [redacted] Website: www.centuryss.com

great company to work withfriendly staff every time I callthey are great at getting back to me about anything via email or phone callsthey take their time to work with you and make you feel comfortable with each accountthanks so much for your helpthe number to call to call customer service is easy to useyou're not on hold long to talk to anyone eitherwebsite is basic, but not hard to navigate

Sameka, with CNI, was extremely helpfulShe did exactly as I had requested and restructured the settlementAlso, she addressed the concerns of non-returned voice mails and emails, and ensured she will address those internallyThank you very much for the quick assistance in the matter

Ms. [redacted] and I had a chance to speak on Thursday July 28th, 2016 and we agreed to a refund of $419.00 in settlement fees along with Century arranging and paying for a settlement on her [redacted] account. At that time, I explained that a refund release agreement would be emailed for her review and signature. The next day, I placed a call to Ms. [redacted] and left a message to advise her on a delay in the refund and release agreement. The reason it was not sent to her yet was because I was still waiting on a final settlement offer from [redacted] (the company currently collecting on the [redacted] account). Later that day, Ms. [redacted] spoke with another representative in our office, who conveyed the same message. It was our understanding that Ms. [redacted] understood the reason for the delay and did not have an issue waiting, in order for the complete details of the refund and settlement arrangement to be outlines on the release. In speaking with [redacted] today, August 2nd, we have been informed that they are no longer collecting the debt owed on the [redacted] account. A representative in their office indicated that the debt had previously been disputed by Ms. [redacted] and the decision was made to move the account to a non-collectable status and to purge it from their system. [redacted] will be updating the Credit Bureaus accordingly, as well as mailing a letter directly to Ms. ***. As such, I am attaching a copy of the refund and release agreement, showing that we have agreed to refund fees totaling $491.00. Once this release has been signed and returned to our office, we will mail a check to Ms. [redacted] to fulfill the refund. Thank you for your time and consideration in this matter. Sameka G [redacted] Senior Director of Client Services Century

This is Century Support Service LLC’s response to the October 2, 2017 Complaint of [redacted] . Mr. [redacted] enrolled with Century on September 17, 2012, more than five years ago. He enrolled a total five debt accounts in his debt settlement program with Century. Mr. [redacted] ’s debt... settlement program was successfully completed on June 22, 2015. At the time of program completion, Century had settled four of the five accounts. A fifth account with Chase Bank, that Mr. [redacted] addresses in his current Complaint, was withdrawn from the program, by him, prior to completion. At the time the Chase account was withdrawn, Century was working with him on the settlement of that account. That account was withdrawn when Mr. [redacted] informed Century that he had spoken with Chase, that Chase had written off the entirety of the account balance and had issued to him a form 1099-C, as evidence of the write-off. He furnished Century with a copy of that 1099-C as proof of the Chase account write-off. With the resolution of that account, there were no additional debts on the program to be settled. The program was completed and Century provided Mr. [redacted] with a certificate of completion and graduation from the program. Shortly after program completion, Mr. [redacted] received from his dedicated settlement account with his third-party processor a refund of the entire balance of that account ($1883.35). Until September 21, 2017, when Mr. [redacted] called Century, we had not heard from him since May 30, 2015, when we received a Complaint from the RevDex.com, submitted by him, addressing the status of his dedicated settlement account and the accuracy of his account balances. Century responded to that complaint stating that the account was in the process of completion and that the refund referenced above had been processed for payment from his dedicated settlement account with his third-party processor. Century further responded that, at the time of completion of the program, there were no outstanding issues concerning the accuracy of any account balances on his program with Century. Century’s response to the May, 2015 Complaint was deemed to be satisfactory. In conclusion, with the settlement of four accounts, and the write-off of the fifth and final account in Mr. [redacted] ’s debt settlement program with Century, as confirmed by his completion and graduation from the program, Century has fulfilled its obligations to him as of June, 2012. With respect to the current credit bureau issue that Mr. [redacted] mentions in this Complaint, Century would have no knowledge of those events. As he is most knowledgeable in the history of that account, Mr. [redacted] is in a position to address with his creditor and the bureau any issues surrounding that matter. Respectfully, Sameka G [redacted] Senior Director of Client Services

Thank you for your correspondence and for providing Century Support Services, LLC the opportunity torespond to Mr***’s complaint filed with your officeWe were able to get in touch with Mr***just days after his concerns were conveyed to your officeWe had an opportunity to
fully update him onthe progress of his settlement program and have since entered him into a settlement on one of hisaccountsAt this time we believe that all of his concerns have been addressed and that he is well on hisway to having a successful debt settlement program.Sameka G***

Revdex.com:
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.This is not accurate, I did receive my money back, but it is in accurate in how they disclosed their fees to me and the settlement from Capital OneI can offer you prove if need be. Thank you
Regards,
*** (***) ***

Revdex.com:
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,
*** (***) ***

On Monday, February 13, 2:PM* *** *** ***> wrote:Hi Ms***My name is *** ***, I am B*** *** daughter/P.O.AI wanted to let you know we have settled with Century for my Mom's account I am sorry for the delay in this, I had no idea it was being handled out of your office and not KCMO Please advise me as to what else I need to do to follow up with this I did promise Sameka at Century that I would let you know we are pleased with the settlement I was just sorry it had to go that direction but they would not talk to me about a refund at all when I called and I knew what they had done to my mother was so very wrong They lied to me telling me that my mother had called and requested things and I knew better than that, my mom is legally blind so there was no way she could had called them I so appreciate what the Revdex.com did for my Mom, really was happy for the end result

Thank you for your correspondence in regards to *** ***Since receipt of the complaint we havemade repeated attempts to contact her to discuss her concerns and were finally able to get her on thephone todayShe has since provided us with new contact information as the primary number
that wehad on file is no longer in use.After speaking with Ms*** and clearing up some of the misconceptions that she had about her debtsettlement program I believe that we are on the same pageAt this time she has chosen to continue withthe program and to finish the current settlement that she is in as well as allow us to finalize her lastaccountIn Ms***’s original complaint she indicated that she wanted to cancel without any feepenaltyWe did offer her the option to cancel and have remaining fees waived but she chose not to gothis routeAt this time it is my understanding that all of her concerns have been addressed.Respectfully,Sameka G***

This is our company’s response to Ms*** ***’s September response to our initial response to her Complaint. We reached out to her by e-mail after receiving the complaint in an effort to set up a call to review her concerns and explain the status of her debt settlement program, including the Calvary account. Unfortunately, that call was not able to be accomplished before the time our response was due. We are pleased to report that we had a detailed conversation with her on September during which we were able to address several of her concerns and review several aspects of her debt resolution program. We feel that there is a good understanding of how her program will be handled going forward. Among the issues discussed were the Calvary account, which was mentioned in the complaint and addressed in our initial response. We offered to *** that we would resume negotiations with Calvary on her behalf and that, if a settlement of that account were to result in a payoff amount of more than $(which is the amount that we had proposed to Calvary during the negotiation of that debt) that our company would: 1) make up any difference between $and the settlement amount (which, of course, would need to be approved by ***); 2) agree not to charge any settlement fees for settling that account; and 3) we would make the first payment toward that account settlement. We were today able to negotiate a settlement of $886.00. As such, Century will pay directly to Calvary, out of our funds, $98.00. The $will be paid by ***, out of her dedicated settlement account, according to the following payment plan: payments of $and then payment of $107.40. Century will make the first payment of $50.00 toward the settlement. Century, under the terms of the Debt Resolution Agreement, would have been entitled to settlement fees, but is going to waive them. In our September conversation with ***, we also discussed several program matters, including the balance in her dedicated settlement account with her third-party processor, CFT (and we are providing her with a detailed summary of that account, even though it has been available to her, as a client, throughout her program); the remainder of the accounts on our program, as well as strategies for addressing those accounts, account balances, and settlement payments. We spoke with *** again today, September 20, and she expressed an interest in cancelling her Century debt resolution program. We informed her that we would be glad to continue to negotiate on her behalf, and not charge any settlement fees. She is taking that proposal under consideration In summary, Century regrets any initial confusion on our client’s part. While we have honored our contractual obligations to Ms*** ***, we were pleased to extend to her, as a gesture of good faith, the resolution of the Calvary account, at a total cost to us, and savings to her, of over $500. We are glad to have had the opportunity to finalize the Calvary account settlement, explain the current status of her dedicated settlement account and the balance on the remainder of her debt accounts, and trust that we will be able to continue to negotiate in her best interest on the balance of those accounts should she decide to remain in the program. As it is her prerogative to cancel her program at any time, without any cost, we would honor her decision to do so, and also honor our commitment to assist her in her effort to settle the remainder of her debts. Regards,Sameka G***Senior Director of Client ServicesCentury Support Services

Revdex.com:
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,
*** ***

As *** states, she did terminate her debt settlement program with Century on January 19, 2018. With respect to her request for a refund, at the time of her termination, there were very little money remaining in her dedicated settlement account to be refunded to her. This is due to the fact that settlements negotiated by Century on her behalf, on September and November 21, (prior to her Revdex.com complaint), depleted her dedicated settlement account. Those settlements were to: 1) First Premier Bank in which Century was able to negotiate a settlement of $against a debt of $(a 50% reduction), on which Century earned a settlement fee of $136, which was paid in two installments of $and $100, respectively; and to 2) MCM/SYNCB Wal-Mart, of $on a $ debt ( a 60% reduction), on which Century earned a fee of $126.50, but of which fee Century only received $50, as a second payment of $did not clear. Between the settlement payments due to ***’s two creditors, which she approved, and the settlement fees to Century, which she also approved, only $remained in her settlement account. Century will be waiving the balance of its unpaid fees, $76.50, as there not sufficient funds to pay all of the earned fees. As stated in our initial response to the complaint, Century has fulfilled all of its obligations to Ms***. As she states, given her current income situation, she was simply unable to continue to fund her settlement account and had to terminate her agreement with Century. Century has honored her right to terminate and fulfilled all of its obligations prior to termination.Regards,Sameka G***Senior Director of Client ServicesCentury Support Services

Revdex.com:
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,
*** ***Thank you for passing forward the response from Century The issue here is the interpretation of the word 'settled', in my view and in the view of Wells Fargo Bank, an account is not settled until the last payment has been presentedThe view that Wells Fargo Bank presented to me was that 'no' account can be termed as settled until the account is fully paid and closed, at which point the charges would then be applicable. Paying the first of an agreed number of premiums does not interpret as the account is settledtherefore charges of some $is totally unacceptable in both the option of Wells Fargo Bank and myself