Consumer Adjustment Inc

12/11/2017: Mediator sent consumer email requesting update.12/12/2017: Mediator contacted ***, per note in file, and she requested that I contact *** *** directlyShe believes they are still contacting Mr*** at work and even acted as a potential employer12/12/2017: Mediator called Mr*** *** and left message on voice mail12/14/2017: Mediator sent consumer email requesting documentation

We have not received any letter from ***We would need to see a copy of her credit report to see if this was the right *** ***If she is disputing it, we would need to know thisIf she can send some documentation to us showing us the account and the amount, we will be more than
happy to verify this and submit her documentation of the debt

Initial Business Response /* (1000, 5, 2015/06/23) */
June 23,
To: StLouis Revdex.com
From: *** ***, Training Supervisor CACi
Re: Complaint - Case # *** - *** M ***
This communication is in response to the above referenced complaintThank you
for the opportunity to respond to this complaint so that it may be resolved
CACi made attempts to reach Ms*** at the phone number(s) provided, including an employer numberCACi was able to speak with Ms*** at her employer phone number on June at which time she informed us that she thought she was making paymentsThe representative explained no payments had been made toward the account, and it was still dueMs*** stated she would have to call back later regarding the matterThe representative asked for an alternate phone number to reach Ms*** and she declined the information, and hung up
On June 19, CACi did inquire Ms***'s credit report, however our inquiry should show as "YC" which stands for Collection AgencyUpon receiving the complaint, we did contact our representative from the credit bureau and confirmed our inquiry reports as suchOur Collection Manager called Ms*** and asked that she send a copy of her alert from MyFico to show how the inquiry was reportingUpon receiving the paperwork, CACi decided it would be best to submit a request to the credit bureau to suppress our credit inquiry that took place on June due to inaccurate inquiry reporting from MyFico
Should Ms*** have any additional questions, please have her contact our office at (XXX) XXX-XXXX, or toll free at (XXX) XXX-XXXXAgain, thank you for the opportunity to respond to this inquiry

July 25, 2016To: St. Louis Revdex.comFrom: [redacted], Training Supervisor CACiRe: Complaint – Case # [redacted] – [redacted]This communication is in response to the above referenced complaint. Thank you for the opportunity to respond to this complaint so that it may be...

resolved.CACi received an account for Ms. [redacted] on July 14, 2015. An initial notice was sent to her July 16, 2015. We did not have any communication from Ms. [redacted] until May 4, 2016 at which time we received a letter stating she disputed the account and requested validation.The account was marked as a dispute, and reported as such to all three credit reporting agencies. CACi mailed validation along with a signed patient consent form to Ms. [redacted] on June 17, 2016. A deletion was submitted to all three credit reporting agencies.CACi has no control over, and is not responsible for the amount of time it takes to update a credit report or whether the credit report is updated. Due to this, it is sometimes necessary for a consumer to contact the credit bureau(s) to have them correct their information. In this instance, CACi has requested that the credit bureaus remove the trade line so that [redacted] may have an Automated Universal Data Form (AUD) number for reference. The number is [redacted].Should Ms. [redacted] have any additional questions, please have her contact our office at [redacted], or toll free at [redacted]. Again, thank you for the opportunity to respond to this inquiry.

Complaint:...

[redacted]
I am rejecting this response because:they have called my place of employment and have sent faxes asking for verification of employment there as well.  I cannot receive phone calls at work and don't appreciate the calls and fax as well.  
Sincerely,
[redacted]

To: St. Louis Revdex.com
From: [redacted], Training Supervisor CACi
Re: Complaint - Case # [redacted] - [redacted]
This communication is in response to the above referenced complaint. Thank you for the opportunity to respond to this complaint so that it may be resolved....



CACi spoke with Mr. [redacted]'s spouse and negotiated a settlement amount on May 6, 2015. The representative followed up with the consumer on May 12, 2015 to advise the settlement offer was accepted. The consumers' spouse requested we contact Mr. [redacted] after 6 pm the following day to discuss the matter.
On May 13, 2015 we reached Mr. [redacted] and advised him the settlement offer was accepted. Mr. [redacted] said he feels that he would be able to obtain a better settlement offer from the original creditor and stated he was waiting on a letter, to follow up in a week or so. CACi did not have contact with the consumer until June 25, 2015 at which time Mr. [redacted]'s wife called our office requesting a lower amount to settle the account, and a pre-settlement letter be emailed.
CACi received notification from the original creditor on June 26, 2015 that the lower offer was declined, but the original offer was accepted and that was the only amount they would accept to settle the account in full. Mr. [redacted] called our office on June 30, 2015 and was advised the original offer was accepted. Mr. [redacted] stated he was unable to settle for the original amount his wife requested, and was only able to pay $20 - $25 monthly. The representative explained to Mr. [redacted] that whatever amount he mailed in would be accepted, but that we were unable to hold the account from further collection efforts for that amount. The manager Mr. [redacted] spoke with offered several different options in an attempt to close the account from further collections for Mr. [redacted], but no agreement was reached.
CACi did not hear from Mr. [redacted] again until July 30, 2015 when he called our office regarding a notice he received. The consumer stated he was only able to pay $10 monthly toward the balance. The supervisor Mr. [redacted] spoke with advised him several times during the phone call that CACi strongly encourages he mail in a payment to make an attempt at paying the bill. Also, the supervisor informed the consumer that it was against company policy to accept any payment amount less than $25 due to processing fees, but again suggested mailing in the payment as it would be accepted and applied toward his balance.
To date, CACi has not received any payment from Mr. [redacted].
Should Mr. [redacted] have any additional questions, please have him contact our office at (XXX) XXX-XXXX, or toll free at (XXX) XXX-XXXX. Again, thank you for the opportunity to respond to this inquiry.

We removed the work number from the file and will not contact her at work anymore. We do have a few other numbers on file, so we will try to contact her with those.

I do not see that we have ever contacted him or anyone in our system with that address. It is possible he has the wrong CACI, there are multiple companies located in the US with the same name. If he can provide documentation, we will be more than willing to take a look and verify the debt.

September 1, 2016To: St. Louis Revdex.comFrom: [redacted], Training Supervisor CACiRe: Complaint – Case # [redacted] – [redacted]This communication is in response to the above referenced complaint. Thank you for the opportunity to respond to this complaint so that it may be...

resolved.CACi made contact with Ms. [redacted] on July 1, 2016 and made arrangements to pay $150 July 15, 2016 and requested we contact her at the beginning of August to obtain payment of $100 monthly. CACi did not speak with Ms. [redacted] again until August 29, 2016 at which time she did not make a payment and said she wouldn’t be able to pay until August 31. At this time, Ms. [redacted] said she was unaware of what method she would be using to pay. During the phone conversation, Ms. [redacted] did not request we stop contacting her at her employer or any other phone number. The representative advised Ms. [redacted] she would contact her on August 31 to obtain payment from her.CACi attempted to reach Ms. [redacted] on August 31, as promised on the prior phone call, but was unable to reach her. To date, the last payment received from Ms. [redacted] was July 15, 2016. Ms. [redacted]’s account is now behind and currently in a broken promise status.Upon receiving this complaint, CACi has placed all phone numbers on hold for Ms. [redacted], and will not be attempting to reach her through any means of communication.Should Ms. [redacted] have any additional questions, please have her contact our office at [redacted], or toll free at [redacted]. Again, thank you for the opportunity to respond to this inquiry.

Initial Business Response /* (1000, 10, 2015/07/29) */
Contact Name and Title: [redacted]
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@cacionline.net
July 29, 2015
To: St. Louis Revdex.com
From: [redacted], Training Supervisor CACi
Re:...

Complaint - Case # [redacted] - [redacted]
This communication is in response to the above referenced complaint. Thank you for the opportunity to respond to this complaint so that it may be resolved.

CACi contacted Ms. [redacted] on June 23, 2015. During this communication, Ms. [redacted] asked for another statement to be sent.
On July 1, 2015, CACi received a certified letter from Ms. [redacted] requesting validation. CACi received validation on July 24, 2015 from the original creditor and was mailed to Ms. [redacted] the same day. The account number Ms. [redacted] references has not been reported to any credit reporting agency.
Also, no phone calls have taken place since June 27, prior to receiving her request for validation.

Upon receiving this complaint, CACi has requested the validation be mailed to Ms. [redacted] again to ensure it is received.
Should Ms. [redacted] have any additional questions, please have her contact our office at (XXX) XXX-XXXX, or toll free at (XXX) XXX-XXXX. Again, thank you for the opportunity to respond to this inquiry.

We have requested a letter be sent to the right party via mail.  The consumer was previously aware of this bill and has actually made payments on it as recent as April of 2016.  She asked us to send an updated statement back in April to which she responded with paying roughly half of the...

balance at that time.  I have requested yet another notice be sent to her address again. [redacted]Collection ManangerCACi