Clear Credit Solutions

Dear Sir of Madam, This
is in regards to consumer complaint number ***Please advise the consumer that this account has been closed and that no attempts at further communications will be made from our officeThe associates involved have been remanded to retake the FDCPA and collector etiquette courses that all associates are required to take prior to being allowed on the floorUpon successful completion of these courses, they will be allowed to return to the collection floorPlease express our apologies for any and all inconveniences that may have occurred

This is in regards to complaint number *** Please advise the consumer that this accowit has been closed in our office on 1/30/and there will be no further attempts at communicationThe associate involved has been brought in to the Compliance office and the issue has been reviewed
with the associate and the Floor Supervisor The associate has been remanded to take refresher courses in both FDCPA as well as collector courtesyUpon satisfactory completion of the courses, the associate will be permitted to return to the collection floor.Please extend our apologies for any and all inconveniences that may have occurred

First and foremost I would like to say that I am sorry for the delay inresponding to this complaintI have just returned from a vacation and am now responding to all of my emails and mail
I have the file pulled up(complaint *** and I have looked through the notes and have
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talked to the floor Manager and the collector to whom this account is assigned First of all, please let the consumer know that we are a real companyThe notes indicate that the consumer
denies that it is his loan It is our policy to answer all questions .fi.•om consunlers so along with giving the consumer the dates of the loan, the associate states that the origin and the amount of
the loan were also given We have closed the account and the consumer will receive no further communications from our office

This is in regards to complaint number *** Please advise the consumerthat this account has been closed in our office and that no further communicationswill be attempted.May we express our sincere apologies for any and all inconveniences that may have
occurred

This is in regards to complaint number
"letter-spacing: 2.35pt;"> [redacted] Please advise the consumer that this account has been closed in our office and there will be no further communications attemptedThe associate involved will be disciplined according to our policies and procedures May we express our sincere apologies for any and all inconveniences that may have occurred

This is in regards to complaint number I [redacted]  Please advise the consumer that we understand that this is a wrong number and we are willing to remove it, but the contact number provided does not appear in our database.  If the consumer is willing to give us the number that we are...

calling, we will remove it.May we express our sincere apologies for any and all inconveniences that may have occurred.

This is in regards to complaint number [redacted]. This account has been closedin our office and the consumer will receive no further communication from us. The cease and desist that was requested by the consumer will be honored. The associates involved were remanded to attend retraining in FDCPA....

Upon completion of this course, they will be placed on a 90 day probationary period during which they will be monitored and coached by Floor Managers and the Compliance Department. Please extend our apologies for any inconveniences that may have occurred. ,

This is in regards to complaint number [redacted]. Please advise the consumer that this account has been closed and that no attempts at further communications will be made from our office. The associates involved have been given their warnings and understand what they did wrong. We are working with...

them to develop better methods by which to do their respective jobs. Please extend our apologies for any and all inconveniences that may have occurred.

The following is in response to complaint number [redacted].  An investigation has been completed by my office and the findings are as follows:
• The consumer did indeed take a payment of $480.00 to satisfy the first account and we did...

send her a Paid in Full letter.
• The consumer does have another outstanding loan in the amount of $480.00.
• The loans are from the same lender but they were taken out on two separate occasions using two separate bank accounts to secure the loans.
• These two loans also defaulted on separate dates.
Our associate did not use the best customer service skills while communicating with the consumer and for that he has been written up

This is in regards to complaint number [redacted]. Please advise the consumer that this account has been closed in our office and that no further communications will be attempted.May we express our sincere apologies for any and all inconveniences that may have occurred.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I have not perceived anything incorrectly. The message that was automated said I would have legal ramifications. The problem was that the people that called and threatened my freedom and repeatedly called my home, and cell telling anyone that answered the phone that if I didn't pay, I would go to jail. I asked if they would tell me about the debt, they did not. I asked them to stop calling, they did not. I know under fair collection practices, this is not lawful. I want to know what account or accounts they were specifically collecting on. I want those accounts closed and marked paid because of the violations that occurred. I also want it in writing with a clear concise apology sent to my home address.

This is in regards to complaint number [redacted] This account has been closed in our office and the consumer will receive no further conununication from us.Please extend our apologies for any inconveniences that may have occurred.

This is in regards to complaint number [redacted]. Please advise the consumer that this account has been closed in our office and that no further communications wil1 be attempted. The associate involved in this complaint was dismissed from emp1oyment with our company on May 1st, 2015.May we...

express our sincere apologies for any and all inconveniences that may have occurred.

This is in regards to complaint number [redacted]. Please advise the consumer that this account has been closed in our office and there will be no further communications attempted.May we express our sincere apologies for any and all inconveniences that may have occurred?

The following is in response to complaint number [redacted]. An investigation has been completed by my office and the findings are as follows.
The first communication with the consumer was on June 6, 2014.  The consumer agreed to a settlement and said he would call back.  No...

call back was received and consumer was contacted again on June 11, 2014.  An agreement was set up at this time.  A 1 Part Settlement in Full (SIF) letter was emailed at this time.  Consumer claims that he never received the email so it was resent on June 24,2014.  On June 30, 2014, the payment on file was ran and there were insufficient funds available.  On July 2, 2014 consumer was contacted and was argumentative.
Call was disconnected.  At no time have we received a cease and desist letter from the consumer. As of today, July 14, 2014,we have closed this account.  Our belief is that there is no intent by the consumer to make any payment s to our company

This is in regards to complaint number [redacted] This account has been closed in our office and the consumer will receive no further communications from our office. Each of our collectors go through a training course in FDCPA and basic collection etiquette prior to entering the collection floor....

After they complete the courses, it is up to the managers and compliance department to monitor the collectors. Occasionally, someone will step out of line such as this associate did, usually out of desperation. This associate was brought in along with the Floor Supervisor and was given a written warning. They were both made aware of what took place and why it was wrong.
Please express my sincere apologies for any inconveniences that may have occurred .

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 
Problem:


I was contacted on my cellphone Oct10- 1100 am by this company regarding a debt. I spoke with a customer service rep about getting this debt in writing mail to my home adress. Rep on refused to do so saying it was sent on May 22 to my spam mailbox . The rep then transfered me to her supervisor [redacted] ext [redacted] . [redacted] proceed to say the debt was from old payday loan in Jan 2009 for 1400. She also refused to send anything in mail to me only via email to my spam box . I also check my email for date of May22 nothing was found from this company . The consumer has rights to get a bill for a debt in writing not something sent over spam email . also, im not even sure if they are legally allowed to collect this debt after certain amount of years.

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Desired Settlement / Outcome
 
Desired Settlement:



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Desired Outcome:


Put it in writing through mail or stop contacting me . NO SPAM EMAIL !!!!!!!!!!!!!!!!!!!

This is in regards to complaint number [redacted]. This account does not exist in any of our files. I as well as our IT department have searched in every possible way using the information provided on this complaint. If there is a number that needs to be removed and the consumer would like to provide...

it to us, we would gladly remove it.

This is in regards to complaint number [redacted]. Please advise the consumer that this account has been closed and that no attempts at further communications will be made from our office. At no time does our message reference that the consumer will go to jail and I am sorry if the consumer perceived...

that. All of our associates go through FDCPA and collector courtesy training prior to being al1owed on the collection floor. Ifanything was said to the consumer that was deemed offensive or derogatory, then I am sorry. Please extend our apologies for any and all inconveniences that may have occurred

This is in regards to complaint number [redacted].  Please advise the consumer that this account has been closed in our office on 2/11/2014 and there will be no further attempts at communication.  The associate involved has been brought in to the Compliance office and the issue has been...

reviewed with the associate and the Floor Supervisor.  The associate has been remanded to take refresher courses in both FDCPA as well as collector courtesy. Upon satisfactory completion of the courses, the associate will be permitted to return to the collection floor