Consumer Collection Management Inc

Complaint: [redacted]
I am rejecting this response because: the excuse they didn't receive it is false. I demand the surety bond and collection license to take and file complaint with the attorney general office and state collection regulator. I have now made official cease and desist proof to CFPB and Revdex.com. All calls, collections, letters and deletion from credit report are to take place immediately. They emailed me trying to hide behind an email so I emailed back and copied to my attorney. This is breech of HIPAA and illegal collection and reporting.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: If the information Consumer Collection Management (CCM) sent to the credit reporting agencies was not my information then how did the credit reporting agencies get MY information?  I will tell you how.  CCM is not being truthful when they say that they did not report my information to the credit reporting agencies.  I have spoken with all three credit reporting agencies.  All three credit reporting agencies have confirmed that they receive ALL of their information from the debt collectors, such as CCM.  There was a total of four or five accounts, ALL from CCM, which were falsely reported to the credit reporting agencies.  It has taken me a total of six months to remove all of the fraudulent accounts CCM reported to the credit reporting agencies.  It is in the better interests of CCM to report false information to the credit reporting agencies, in the hopes that some poor soul won't stand up for themselves and then CCM could potentially collect money from people too fragile to stand up for themselves.  There needs to be some sort of demerit or red flag against this company so people know that they are dealing with a fraudulent and deceptive company.
Sincerely,
[redacted]

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  We did attempt contact with the consumer on several occasions.  We sent three letters to the consumer in 2010 when we received the debt.  None of which were returned to us by...

the post office so we have no reason to believe they weren't delivered.  We also spoke to the consumer several times in 2010 and 2011.  Each time the consumer advised us that she wasn't concerned about this bill.  I have forwarded the account to our dispute resolution department.  We will request validation from our client and forward it to the consumer as soon as it is received.  I hope this will resolve this complaint.  Please advise our office if we can be of further assistance.  Thank you!

Thank you for advising us of this consumer's complaint.  I have reviewed it and our file.  I confirmed with our clients that all of the accounts in question are for the correct consumer.  The date of birth is for [redacted].  Validation for all four accounts was mailed to...

the consumer on 2/1/17.  I hope this will resolve the consumer's concerns.  Please let us know if we can be of further assistance.  Thank you.

Complaint: [redacted]
I am rejecting this response because:
This is inaccurate information. I have no business with this company and no information has ever been sent to me. This does not exist. I want it removed from my credit immediately or further action will be taken to remove it.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
I am waiting on to receive validation from the business. I want a signed agreement from the hospital and a list of services. Please provide me with something that's signed by me, don't just provide me with a bill. Anyone can put a bill in someone elses name. I've requested a more than 3 times to have a validated agreement from the original creditor sent to me. If you cannot provide this then by law you are required to remove that account from my credit report.
Sincerely,
[redacted]

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  We received this account from our client on 11/28/15.  We sent two letters to the consumer before we finally heard from him on 3/10/16.  He advised us the same, that he had...

cancelled his membership and shouldn't owe a balance.  We addressed is concerns with our client.  They confirmed that they had never received a cancellation from the consumer.  Our representative also advised the consumer that he should have received email confirmation from the client upon cancellation.  If the consumer has that confirmation and can send it to us, we can go back to our client and try to resolve.  On 3/18/16, per the consumer's request, we mailed information received from our client regarding this account.  We sent him a copy of the agreement he signed which details cancellation procedures.  We also included a ledger showing charges and payments made.  At this point we show the balance is still due and accurate.  If the consumer has the confirmation from the client, we ask that he mail it to us. Please let me know if we can be of further assistance in this matter. Thank you!

Thank you for advising us of this consumer's complaint.  I have reviewed the complaint and our system.  We received notification of the bankruptcy on 3/15/16 and that day closed the account as part of the bankruptcy.  At the end of March 2016 we notified the credit bureaus that this...

was included.  When we notify the credit bureaus of a bankruptcy, the account will remain on the credit with a zero balance and will be noted as "[redacted]".  The consumer did submit credit bureau disputes which we responded to on 12/2/16 and 12/19/16.  On both occasions we verified that the credit bureau had the debt listed accurately as it states above.  We would be happy to provide proof of this to the consumer if she wishes.  She may contact our office for that information.  I hope this will resolve the consumer's complaint.  Please let us know if we can be of further assistance.  Thank you.

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  I do show that we spoke to the consumer on 12/6/16.  The consumer indicated that they wanted a letter sent to them stating that they have payment arrangements.  We...

don't send letters like that as we have had trouble with people using them in the past to get credit extended and then cancel the agreement.  If the consumer would like to establish a payment arrangement, we do send reminder letters 10 days before payment is due.  Each month would then reflect the new balance after the previous month's payment is applied.  We also advised the consumer that if they would like to bring the payments into our office, we can provide a receipt each time they do.  After the full balance is paid, we would be happy to issue a letter to the consumer stating that it is paid in full.  I hope this will resolve the consumer's concerns.  Please let us know if we can be of further assistance.  Thank you.

Initial Business Response /* (1000, 5, 2015/10/06) */
Contact Name and Title: [redacted] Srvcs
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@consumercollection.com
I have received and reviewed this consumer's complaint. We received this account from [redacted] on 3/24/15. A...

letter was mailed to the consumer that day and again on 8/19/15. We attempted phone contact 6 times between March and September 2015. We finally spoke with the consumer on 9/18/15. He advised us that he would be sending a certified letter to our address stating that the account was disputed and to cease and desist. We have never received a letter from the consumer. We didn't receive one before that phone contact and we haven't received one since. Per the conversation on 9/18/15, our representative removed the consumer's phone number and address so no further contact would be made. This account has not been sent to the consumer's credit report and will not be. As for the consumer's dispute, it states in the contract with [redacted] that the only way to cancel a membership is thru their online cancellation form. Verbally requesting it with an employee of [redacted] will not cancel the membership. He should have been informed of that by the [redacted] employee.
The consumer will have no further contact from us in regards to this account. I hope that will resolve this matter. Thank you.

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  We have mailed the consumer two notices.  The first was sent on 9/14/17 and the other on 10/19/17.  Neither one was returned to us by the post office.  We did call the...

consumer on 10/19/17 also.  The first call was to her personal phone and she did not answer nor did we leave a message.  We then did speak with the consumer at her work phone.  Per the consumer's request in this complaint, I have flagged her work phone to not receive any more phone calls.  I have noted our system to no longer call her at that number.  We do not leave messages on cell phones due to privacy concerns.  If the consumer would like to discuss this account further, she may call our office.  Please let us know if we may be of further assistance.  Thank you

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  I do show that we spoke to the consumer on 3/28/17 and setup up payment for the balance in full to be processed on 4/15/17.  At that time, the account had not been sent to the...

credit.  However a promise to pay will not keep an account from being reported to the credit.  The account was sent to her credit the beginning of April 2017, prior to the payment processing.  According to our notes, the consumer called our office on 4/11/17 to inquire about the account being reported to her credit.  Our agent advised the consumer that she would have the recording of the call from 3/28/17 pulled and a manager would call her back.  The manager called her back at 5:09 on 4/11/17.  The consumer was advised that at no time during the call on 3/28/17 was her credit questioned or discussed.  As a general practice, we send an update file to the credit bureaus at the beginning of each month.  As per our practice, at the beginning of May we will notify the credit that this has been paid in full.  Once the account has been paid in full for more than 30 days we will send an update advising the account should be removed from the credit.  At the beginning of June, this account will be removed.  I hope this will resolve the consumer's concerns.  Please let us know if we may be of further assistance.  Thank  you.

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  As we advised the consumer on the phone, we can not provide a letter stating that she has made payment arrangements.  If that letter were provided, we would have no recourse to...

collect if the payments are cancelled after her permanent housing is established.  We do send a letter to the consumer each month 10 days prior to the payment due date as a reminder.  We also would be very happy to provide a letter to the consumer stating the balance is paid in full, after said payment in full is received.Also, we do not show that this account was paid in full in 2012.  Our client (customer) placed this account with us in May 2013 and we have been attempting to collect ever since.  The consumer disputed this account with the credit bureaus in May 2016 but we confirmed that the balance was due and accurate.  We never requested this account be removed from her credit.  Please let us know if we may be of further assistance.  Thank you.

Thank you for advising us of this consumer's concerns.  We have reviewed her comments and our notes.  The account has now been closed in our office and she will have no further contact from us regarding this account.  The consumer may contact our office if she has any further...

questions or concerns.  Thank you.

Initial Business Response /* (1000, 5, 2016/02/10) */
Contact Name and Title: [redacted]-Acct Srvcs
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@consumercollection.com
Thank you for advising me of this consumer's complaint. I have reviewed his letter and our system. I show that...

we received requests from the consumer on 2/10/15 and 11/11/15 for proof of debt. We mailed responses with proof on 2/19/15 and 11/11/15. I believe the confusion may be that the account was placed in our office under the name [redacted] Properties". The ledger we provided to the consumer as proof of debt says [redacted] Properties" at the top. [redacted] Properties is a representative of [redacted] Properties. We have confirmed with our representative at [redacted] Properties that the balance due is accurate. I hope this clears up the misunderstanding. Please let us know if we can be of further assistance. Thank you.

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  The only address we have on file is the one the consumer provided as his in the complaint.  If that is also his father's address we are unaware.  I have noted our account that...

the consumer doesn't agree with the balance.  We would be happy to provide him with debt validation if he would like.  He may call our office and provide the address he wants it sent to.  I have noted our account to not make any future phone calls to the consumer.  Please let us know if we may be of further assistance.  Thank you.

Thank you for advising us of this consumer's complaint.  I have reviewed the complaint and our file.  Initial notice of this debt was mailed to the consumer on 8/13/15.  I have requested that debt validation be received from the client and mailed to the address provided, which does...

match the address we have for the consumer.  The consumer may contact us if he would like to discuss this account further.  Please let us know if we can be of further assistance.  Thank you.

Thank you for advising of this consumer's concerns.  I have reviewed the complaint and our system.  I do show we spoke to the consumer for the first time on 1/23/15.  The consumer advised us that the amount being billed was being disputed.  We updated the consumer's address info...

per request and forwarded the account to our dispute resolution department.  We confirmed the charges with our client and verified their accuracy.  On 1/30/15 we mailed a dispute response to the consumer along with documentation received from our client.  We did receive another letter from the consumer on 2/9/15 indicating the account was still in dispute.  We mailed a letter back to the consumer again on 2/13/15 still confirming the balance due as accurate.  That letter was mail returned to us but we confirmed it matched the information the consumer had given us.  On 4/6/15 we sent another letter, this time with an apartment number that we had not been provided before.  On 4/28/15 we received a letter from the consumer stating he wanted to settle the debt because he was returning to China.  On 7/17/15 we received notification from our client that consumer was requesting a settlement of his account.  Our client advised us that they would not be accepting any settlements as the balance is due and accurate.  Our client also stated that the consumer was claiming 3 other people were named on the lease but they only show the consumer's name.  We can send out another validation to the consumer, showing the lease and charges added.  We are not able to accept a settlement on this account.  I hope this will resolve the consumer's concerns.  Please let us know if we may be of further assistance.  Thank you!

Thank you for advising us of this consumer's concerns.  I have reviewed the complaint and our system.  We received this account from our client in 2014.  We mailed two letters to the consumer after receiving the account.  We spoke to the consumer on several occasions and the...

consumer never disputed the debt.  She simply stated that she couldn't afford to pay it at that time.  Since then, the consumer has initiated several credit bureau disputes.  We replied to each and confirmed the identity and balance on our system match that of her credit bureau.  We have no reason to believe the consumer doesn't owe the debt.  As a courtesy, I will send a validation to the consumer at the address provided.  Please let us know if we may be of further assistance.  Thank you.

Complaint: [redacted]
I am rejecting this response because:I didn't send it certified so I don't have a returned reciept. I'm waiting for validation for these accounts in question. 
Sincerely,
[redacted]